Search found 3411 matches

by quantAndHold
Mon Jul 08, 2019 10:12 am
Forum: Personal Consumer Issues
Topic: DIY Home Security like Ring and SimpliSafe vs paid services like ADT and Rampart. What do you advise for and/or against?
Replies: 29
Views: 3027

Re: DIY Home Security like Ring and SimpliSafe vs paid services like ADT and Rampart. What do you advise for and/or agai

I don’t understand. Have you checked the crime statistics in your local area? Why are you moving to an unsafe neighborhood? There are a lot of things that can (and should) be done to secure a house without paying for an expensive alarm system and monitoring. Deadbolt strike plates, dowels in sliding...
by quantAndHold
Sun Jul 07, 2019 5:58 pm
Forum: Personal Investments
Topic: Under age 50 and have a stock allocation less than 50%?
Replies: 25
Views: 2837

Re: Under age 50 and have a stock allocation less than 50%?

For a very long timeline (and someone in their 40’s who’s saving for retirement has a very long timeline), I would think that inflation is actually a bigger, scarier risk than stock market volatility.
by quantAndHold
Sun Jul 07, 2019 4:08 pm
Forum: Personal Consumer Issues
Topic: Is Grass-fed milk worth it?
Replies: 82
Views: 4674

Re: Is Grass milk worth it?

Not sure why adults are interested in drinking milk. I have no issue with some amount of cheese, yogurt, etc products in our diet, but adults significant drinking quantities of plain milk strikes me as weird/slightly gross. I think very few adults drink milk by the glass. But lots of things are mad...
by quantAndHold
Sun Jul 07, 2019 3:58 pm
Forum: Personal Consumer Issues
Topic: Verizon iPhone international trip
Replies: 37
Views: 2508

Re: Verizon iPhone international trip

You can either pay Verizon $10/day, or pay $15-25 to get a local SIM card with 1-2GB of data.
by quantAndHold
Sun Jul 07, 2019 2:25 pm
Forum: Personal Consumer Issues
Topic: Is Grass-fed milk worth it?
Replies: 82
Views: 4674

Re: Is Grass milk worth it?

It’s milk either way. Nutritionally, it has slightly more Omega-3’s, but your overall diet will matter much more than the incremental difference between different types of milk. Grass fed is incrementally better for the cows and the environment, but not having milk or beef at all would have a much l...
by quantAndHold
Sun Jul 07, 2019 10:20 am
Forum: Personal Consumer Issues
Topic: "403 Access Forbidden" ??
Replies: 4
Views: 524

Re: "403 Access Forbidden" ??

Someone put a story up on the homepage without publishing it in their content management system first. Give it a few minutes. They’ll either fix the permissions, or take it down from the homepage.
by quantAndHold
Sun Jul 07, 2019 10:17 am
Forum: Personal Investments
Topic: Why not use Vang MM fund as my Bond Holding?
Replies: 7
Views: 1530

Re: Why not use Vang MM fund as my Bond Holding?

As long as you stay on top of rates and readjust holdings as rates change, it seems fine.
by quantAndHold
Sun Jul 07, 2019 10:12 am
Forum: Personal Consumer Issues
Topic: "Extended" Dental Insurance Networks?
Replies: 6
Views: 775

Re: "Extended" Dental Insurance Networks?

In my local area, the only PPO dentists are also the only ones that take DentiCAL, which means they’re overbooked, and going there is like going to public health. My dentist for the last 20 years is in the Premier network. I dropped down to the basic network for a year, tried the guy my dentist reco...
by quantAndHold
Sun Jul 07, 2019 9:48 am
Forum: Personal Consumer Issues
Topic: Job Promotion - How to Show on Resume
Replies: 40
Views: 3838

Re: Job Promotion - How to Show on Resume

“Expected” is one thing for a degree or a publication where the thing happening is a reasonable certainty. In the corporate world, nothing is certain until it actually happens. Putting it in he resume with an expected date would be really odd. At OP’s level, I’m sure he/she is working with a recruit...
by quantAndHold
Sun Jul 07, 2019 9:41 am
Forum: Personal Consumer Issues
Topic: Time for a new car - Corolla or Civic...
Replies: 101
Views: 9882

Re: Time for a new car - Corolla or Civic...

epictetus wrote:
Sun Jul 07, 2019 9:36 am
the data from Consumer Reports suggests that Toyota is more reliable overall that Honda..
Keeping in mind that they are both reliable enough that we’re counting angels on the head of a pin to find the difference.

Personally, in this class, I would get a year or two old Mazda 3.
by quantAndHold
Sun Jul 07, 2019 9:34 am
Forum: Personal Consumer Issues
Topic: Buying Electric Range and Microwave
Replies: 14
Views: 1085

Re: Buying Electric Range and Microwave

I can’t help with specific brands, but the Consumer Reports August issue, which just came out, has a large chart about appliance brand reliability, and an article about where to buy appliances. You might get a copy of that from your library, and a copy of whatever issue they reviewed stoves in. I do...
by quantAndHold
Sun Jul 07, 2019 9:25 am
Forum: Personal Investments
Topic: Retiree with no retirement accounts
Replies: 34
Views: 4719

Re: Retiree with no retirement accounts

Putting the entire $250k into an immediate annuity would give her just short of $2k per month for life.
by quantAndHold
Sat Jul 06, 2019 11:27 pm
Forum: Personal Investments
Topic: 25 years to retirement, advice on speeding up growth?
Replies: 62
Views: 5688

Re: 25 years to retirement, advice on speeding up growth?

quantAndHold this is awesome - thanks for taking the time to work that out! I currently pay my own health ins $420/mo, but I am negotiating with my employer to see if they could provide the insurance - if so, that frees up the $350/mo. I am trying to understand how contributing $800/mo to the 401K ...
by quantAndHold
Sat Jul 06, 2019 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: Which CC to buy International Plane Ticket?
Replies: 5
Views: 720

Re: Which CC to buy International Plane Ticket?

Have you looked up the benefits for each card?
by quantAndHold
Sat Jul 06, 2019 9:29 pm
Forum: Personal Consumer Issues
Topic: Sofa or couch ( an6 difference) for new homeowners
Replies: 25
Views: 1681

Re: Sofa or couch ( an6 difference) for new homeowners

Many times the structure of the couch lasts a good long time but the upholstery gets too dirty and worn. Re-upholstering usually costs more than buying a new sofa/couch. Reupholstering costs about the same as a cheap couch. A good couch, though, looks better, and will last practically forever. Ther...
by quantAndHold
Sat Jul 06, 2019 9:16 pm
Forum: Personal Investments
Topic: 25 years to retirement, advice on speeding up growth?
Replies: 62
Views: 5688

Re: 25 years to retirement, advice on speeding up growth?

I did some math. If you increase your monthly 401k contribution from $1000 (9%) to $1800 (16%), you would have a reasonable probability of getting the $1M or so that you need to retire at your current spending rate (assuming you’re getting a normal amount of Social Security). That reduces your taxab...
by quantAndHold
Sat Jul 06, 2019 7:55 pm
Forum: Personal Investments
Topic: 25 years to retirement, advice on speeding up growth?
Replies: 62
Views: 5688

Re: 25 years to retirement, advice on speeding up growth?

I think what people are telling you is that at a 9% savings rate, there’s no path to retirement at age 65, unless you cut spending significantly, or have a pension that we don’t know about.
by quantAndHold
Sat Jul 06, 2019 6:01 pm
Forum: Personal Investments
Topic: 25 years to retirement, advice on speeding up growth?
Replies: 62
Views: 5688

Re: 25 years to retirement, advice on speeding up growth?

It appears that you’re contributing about 9% to retirement savings?

Increasing your savings rate is the thing that’s most likely to get you over the line by age 65.
by quantAndHold
Sat Jul 06, 2019 5:56 pm
Forum: Personal Consumer Issues
Topic: Time for a new car - Corolla or Civic...
Replies: 101
Views: 9882

Re: Time for a new car - Corolla or Civic...

Get the one you can get the best deal on.
by quantAndHold
Sat Jul 06, 2019 4:37 pm
Forum: Personal Consumer Issues
Topic: Internet/cellphone service woes..
Replies: 12
Views: 1611

Re: Internet/cellphone service woes..

Do you really need 250mbps? 50 is overkill for most people. Does Xfinity have any competition in your area?

There are plenty of places to get cheap cell service. I wouldn’t let the cell service run the show here.
by quantAndHold
Sat Jul 06, 2019 4:19 pm
Forum: Personal Consumer Issues
Topic: Chest freezer not quite cold enough
Replies: 11
Views: 895

Re: Chest freezer not quite cold enough

I assume it isn’t just because it needs defrosting.

Otherwise, get a new one before the food goes bad.
by quantAndHold
Sat Jul 06, 2019 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Big Hospital Bill - Any way to negotiate ?
Replies: 130
Views: 8826

Re: Big Hospital Bill - Any way to negotiate ?

I don't know if this helps you but I have a friend who went to emergency room and was told he needed surgery which he didn't need and declined. A physician re-ordered a scan that he had already had. The charge was over $2000. He was furious. Refused to pay it. Bill went to collection agency. He ign...
by quantAndHold
Sat Jul 06, 2019 2:15 pm
Forum: Personal Consumer Issues
Topic: Job Promotion - How to Show on Resume
Replies: 40
Views: 3838

Re: Job Promotion - How to Show on Resume

Leave it out of the resume until it actually happens, but work it into the cover letter, and if you’re working with any recruiters, make sure they know. This is, of course, assuming that you can explain why you would leave a company when you’re expecting to get promoted, because the topic will defin...
by quantAndHold
Sat Jul 06, 2019 9:48 am
Forum: Personal Consumer Issues
Topic: Food sensitivity tests
Replies: 10
Views: 1112

Re: Food sensitivity tests

Wouldn’t an elimination diet be cheaper and more effective at determining food sensitivities? It sounds like the people who are claiming success are taking the test, then having to test it with an ad hoc elimination diet anyway. My wife went through issues with food sensitivities. She went to the do...
by quantAndHold
Fri Jul 05, 2019 9:11 pm
Forum: Personal Consumer Issues
Topic: Buying a suit
Replies: 35
Views: 2358

Re: Buying a suit

The last time we went to Canlis, we drove there in a 15 year old CR-V, and the waiters were dressed better than we were. IIRC, the parking valets were also dressed better than we were. It was kind of intimidating, but it was still a great meal. Unfortunately, that doesn’t translate into being able t...
by quantAndHold
Fri Jul 05, 2019 9:00 pm
Forum: Personal Investments
Topic: Pick one: $135,000 rental property or $110,000 in REITs
Replies: 89
Views: 11560

Re: Pick one: $135,000 rental property or $110,000 in REITs

In a VLCOL rental property vs pretty much anything else, I’d pick pretty much anything else. Way too much idiosyncratic risk in a single rental property. Especially one at the wrong end of the wrong town like that one must be. If the property was part of a well diversified portfolio of rentals, it m...
by quantAndHold
Fri Jul 05, 2019 5:51 pm
Forum: Personal Investments
Topic: Why did SPTL drop today?
Replies: 6
Views: 824

Re: Why did SPTL drop today?

It went down because I needed to sell $100k of it.

That is all...
by quantAndHold
Fri Jul 05, 2019 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Big Hospital Bill - Any way to negotiate ?
Replies: 130
Views: 8826

Re: Big Hospital Bill - Anyway to negociate ?

I have a question, because I’m out of the loop and don’t know. Every place I worked in the last few years had a list of health insurance choices, where I could pay a larger or smaller premium, to get higher or lower deductibles and copays. I always did math, and chose the plan that fit my needs the...
by quantAndHold
Fri Jul 05, 2019 3:04 pm
Forum: Personal Consumer Issues
Topic: ISP rural area what are my options?
Replies: 23
Views: 2059

Re: ISP rural area what are my options?

Your advertised DSL speed is in megabits, not megabytes. 12 Mbps is somewhere around 1.5 MBps. If everything worked perfectly, about the best you could expect is about 1200 kBps. Netflix will work at that speed, but not much less, and you’re not going to get HD either way. For DSL to run at a higher...
by quantAndHold
Fri Jul 05, 2019 2:39 pm
Forum: Personal Consumer Issues
Topic: Have you cleaned your own carpets?
Replies: 26
Views: 2073

Re: Have you cleaned your own carpets?

bhsince87 wrote:
Fri Jul 05, 2019 2:31 pm
And with 3 cats, vomit spots are a constant struggle....
Our neighbors (yes, the same neighbors as above) got a smaller Rug Doctor, meant for spot cleaning. It works a treat on cat and dog barf, and it’s much easier to handle than the full size carpet machine.
by quantAndHold
Fri Jul 05, 2019 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: 50-60k boat purchase??
Replies: 84
Views: 6295

Re: 50-60k boat purchase??

Assuming your job is stable, you can pay cash, and you’re planning on continuing to live on the lake, it seems perfectly reasonable to me. I would do the same. If I actually liked boats. Or lakes.
by quantAndHold
Fri Jul 05, 2019 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Big Hospital Bill - Any way to negotiate ?
Replies: 130
Views: 8826

Re: Big Hospital Bill - Anyway to negociate ?

So, bottom line on this thread... If you have a high deductible plan, you need to be prepared to pay the deductible some years. Depending on you or your family’s health, “some” years may actually be every year. You, as a consumer, can always ask for a discount. If you don’t have insurance, you will ...
by quantAndHold
Fri Jul 05, 2019 12:59 pm
Forum: Personal Consumer Issues
Topic: Have you cleaned your own carpets?
Replies: 26
Views: 2073

Re: Have you cleaned your own carpets?

We borrow a machine from our neighbors. It does fine, more or less, and it’s free to us. I’m pretty sure we use it more than they do. Having neighbors who are spenders is an advantage sometimes. No home or rental machine will get the deep clean that a professional, truck mounted machine will. The bi...
by quantAndHold
Fri Jul 05, 2019 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Banking for Nomads
Replies: 28
Views: 3291

Re: Banking for Nomads

We’re mobile about four months per year. We’ve been fine with Cap One. But if you have a credit union account, if your credit union is in the COOP network, you can use ATM’s at any 7-Eleven, and a lot of other credit unions across the country. Regardless, we find we don’t need nearly as much cash as...
by quantAndHold
Fri Jul 05, 2019 9:38 am
Forum: Personal Consumer Issues
Topic: Tree fell against house. Assess possible damage?
Replies: 17
Views: 1626

Re: Tree fell against house. Assess possible damage?

You’re having the roof redone? I would just tell the roofer what happened, and ask him to look for tree or other storm damage, and file a claim if he finds any.
by quantAndHold
Thu Jul 04, 2019 10:26 pm
Forum: Personal Finance (Not Investing)
Topic: Employers asking salaries
Replies: 47
Views: 6440

Re: Employers asking salaries

There’s more room for negotiation if going directly and no recruiter involved. Somewhat true? Not really. The salary will be the same either way. The recruiter usually gets a percentage of your first year’s salary. In some companies and industries, you might be able to convince them to give you a s...
by quantAndHold
Thu Jul 04, 2019 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: Do you share your net worth with family members?
Replies: 252
Views: 22535

Re: Do you share your net worth with family members?

delamer wrote:
Wed Jul 03, 2019 9:03 pm
Does anyone remember the economic stimulus in 2008 under which eligible taxpayers received rebates of up to $1200 per family?
We spent our stimulus paying for part of our wedding. The back of the programs had a message... "This wedding paid for, in part, by The Economic Stimulus Act of 2008."
by quantAndHold
Thu Jul 04, 2019 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: my auto insurance went up 100%
Replies: 12
Views: 1867

Re: my auto insurance went up !00%

$60-$120 for what time period? Month? Six months? Year? We pay $700/year and we're old ladies with clean driving records for forever, driving a 15 year old car.

The two things people do to control their insurance premiums are to shop around, and if they can afford to, raise their deductibles.
by quantAndHold
Thu Jul 04, 2019 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Big Hospital Bill - Any way to negotiate ?
Replies: 130
Views: 8826

Re: Big Hospital Bill - Anyway to negociate ?

I had an A/C guy over yesterday. He gave me a $6K bill. Any recommendations to negotiate this with the company? I see your point. I walked into a car dealership the other day and the MSRP for the car was $30k, so I just paid it. :D That's the price, right? In this case, OP is using a buying service...
by quantAndHold
Thu Jul 04, 2019 3:16 pm
Forum: Personal Consumer Issues
Topic: Prescription drugs - how to determine country of origin?
Replies: 25
Views: 1928

Re: Prescription drugs - how to determine country of origin?

The pharmacy I use prints the name of the manufacturer on the label. I can look up that name to find the country for the manufacturer. That does not guarantee where it is actually manufactured, but gives a good clue. Many of the generics seem to come from India. If you have the company name, you ca...
by quantAndHold
Thu Jul 04, 2019 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Big Hospital Bill - Any way to negotiate ?
Replies: 130
Views: 8826

Re: Big Hospital Bill - Anyway to negociate ?

I had an A/C guy over yesterday. He gave me a $6K bill. Any recommendations to negotiate this with the company? I see your point. I walked into a car dealership the other day and the MSRP for the car was $30k, so I just paid it. :D That's the price, right? In this case, OP is using a buying service...
by quantAndHold
Thu Jul 04, 2019 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Big Hospital Bill - Any way to negotiate ?
Replies: 130
Views: 8826

Re: Big Hospital Bill - Anyway to negociate ?

If it goes to collections, the collection agency will add a bunch of fees, and you’ll owe more than $6k. At that point, you will probably be able to negotiate it back down to $6k. It’s doubtful, though, that the in-house collection agency will reduce it below the insurance negotiated price, for the ...
by quantAndHold
Thu Jul 04, 2019 1:48 pm
Forum: Personal Consumer Issues
Topic: Reservations about purchasing a 16 year old house
Replies: 65
Views: 5546

Re: Reservations about purchasing a 16 year old house

That being the case, I would just rent. That said, if something goes wrong, then you’re at the mercy of both the landlord and the tradespeople. I like old houses because they tend to be better constructed. But the advantage of a newer place (16 is newer) is that when stuff breaks, the repair is usua...
by quantAndHold
Thu Jul 04, 2019 10:08 am
Forum: Personal Finance (Not Investing)
Topic: How to interpret different raise percents?
Replies: 41
Views: 2953

Re: How to interpret different raise percents?

It’s completely company and industry dependent. I’ve worked at a couple of jobs where the company paid each person what they were worth on the open market, including letting people go who were overpaid. I’ve also worked at companies who doled out raises like JoMoney’s company. The policy was explici...
by quantAndHold
Thu Jul 04, 2019 9:47 am
Forum: Personal Consumer Issues
Topic: Reservations about purchasing a 16 year old house
Replies: 65
Views: 5546

Re: Reservations about purchasing a 16 year old house

Assuming you will live in a home 10+ years, any home you buy is going to need maintenance, and at least some of those systems will fail. In a 16 year old home, I would indeed price in the fact that most of the builder grade systems in the house are nearing the end of their life. Maintenance is part ...
by quantAndHold
Wed Jul 03, 2019 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: Adult son has not controlled credit card overuse!
Replies: 106
Views: 6849

Re: Adult son has not controlled credit card overuse!

I’m mighty thankful this is not one of my kids, at least not yet. But if this were one of my kids, I would do three things. 1) offer them a gift of the Dave Ramsey course. For something like this, peer support is valuable, so the in person course would be better than online. 2) offer to hold their ...
by quantAndHold
Wed Jul 03, 2019 6:57 pm
Forum: Personal Consumer Issues
Topic: What to let kids buy?
Replies: 50
Views: 4363

Re: What to let kids buy?

We would sometimes give advice . For example, "we are not going to buy you that [junky toy], so if you want it, you will have to buy it with your own money. You will have to save it up and not spend much while you are saving. If you spend your allowance every week, then you will never get it." By t...
by quantAndHold
Wed Jul 03, 2019 6:37 pm
Forum: Personal Consumer Issues
Topic: What to let kids buy?
Replies: 50
Views: 4363

Re: What to let kids buy?

We always paid for their needs, then let them spend their money on whatever they wanted that was legal. Mostly, they saved up, then spent money on perfectly reasonable things. Like a tuba. What 15 year old buys a tuba?
by quantAndHold
Wed Jul 03, 2019 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: Adult son has not controlled credit card overuse!
Replies: 106
Views: 6849

Re: Adult son has not controlled credit card overuse!

I’m mighty thankful this is not one of my kids, at least not yet. But if this were one of my kids, I would do three things. 1) offer them a gift of the Dave Ramsey course. For something like this, peer support is valuable, so the in person course would be better than online. 2) offer to hold their c...
by quantAndHold
Wed Jul 03, 2019 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Do you share your net worth with family members?
Replies: 252
Views: 22535

Re: Do you share your net worth with family members?

My side of the family, yes, we share. Financial planning has been the family hobby since I was a kid, so we all talk about money and investing a lot. It probably helps that we’re all in roughly the same shape financially. My wife’s family, no way. That side of the family generally has a different re...