Search found 4904 matches

by quantAndHold
Mon Sep 28, 2020 8:09 pm
Forum: Personal Consumer Issues
Topic: How do YOU find a good doctor these days...
Replies: 60
Views: 3072

Re: How do YOU find a good doctor these days...

The best one I found intentionally was by asking a friend who is a specialist for the large HMO I had just joined who he recommended. He recommended his own primary care doc, who turned out to be a great choice. I found my current one accidentally. I rejoined Kaiser after a decade away, and the doct...
by quantAndHold
Mon Sep 28, 2020 8:00 pm
Forum: Personal Consumer Issues
Topic: DSLR camera improvement suggestions
Replies: 54
Views: 1990

Re: DSLR camera improvement suggestions

tommy85 wrote: Mon Sep 28, 2020 1:33 pm Any suggestions on a photography editing online course that you recommend?
Lynda.com has a bunch of them that look intriguing. My library has a subscription. Yours might, too.
by quantAndHold
Mon Sep 28, 2020 12:28 pm
Forum: Personal Consumer Issues
Topic: DSLR camera improvement suggestions
Replies: 54
Views: 1990

Re: DSLR camera improvement suggestions

If you want to get into photography as a hobby , it might be time to spend some money. A four or five year old mid grade camera will be worlds better than what you have. If you just want to take better pictures, invest in a book on post processing. Once you’ve finished the book, then reevaluate wher...
by quantAndHold
Mon Sep 28, 2020 12:19 pm
Forum: Investing - Theory, News & General
Topic: How would a USD collapse affect dollar-denominated international ETFs?
Replies: 20
Views: 820

Re: How would a USD collapse affect dollar-denominated international ETFs?

Unless something has changed recently, Vanguard international stock funds are not hedged, but Vanguard international bond funds are hedged.
by quantAndHold
Sun Sep 27, 2020 10:00 pm
Forum: Personal Consumer Issues
Topic: Heating System Tune Ups Necessary Every Year?
Replies: 14
Views: 1662

Re: Heating System Tune Ups Necessary Every Year?

Our local utility does checks of gas appliances for free. We have them out every fall to check the furnace. Every year but one, they checked it, all was well, and we went with our lives. The one exception was the year the heat exchanger was cracked. We got a new furnace that year. And a couple of CO...
by quantAndHold
Sun Sep 27, 2020 2:48 pm
Forum: Personal Consumer Issues
Topic: DSLR camera improvement suggestions
Replies: 54
Views: 1990

Re: DSLR camera improvement suggestions

Any recent model phone will have much better post processing software in it than a 10 year old low end DSLR. There was a short period where I considered starting a blog called “It’s not your camera, it’s you,” where I dissected pictures on places like the DPReview forums, where people were blaming t...
by quantAndHold
Sat Sep 26, 2020 9:21 pm
Forum: Personal Consumer Issues
Topic: Will not using my dishwasher cause problems?
Replies: 86
Views: 44576

Re: Will not using my dishwasher cause problems?

Do people who can’t fill their dishwasher just eat out all the time or something? There’s two of us. We run it after dinner every night. It’s usually full.
by quantAndHold
Sat Sep 26, 2020 9:01 pm
Forum: Personal Consumer Issues
Topic: What are subscriptions that add the most value in 2020?
Replies: 54
Views: 4031

Re: What are subscriptions that add the most value in 2020?

Prime Netflix NY Times (digital) My local newspaper (digital) SiriusXM. We use it in the motorhome. Then we switch off between other streaming services. A month here, a month there. Watch what they have, then move on to something else. It was Disney+ to watch Hamilton. Now, we’re about to get AppleT...
by quantAndHold
Sat Sep 26, 2020 8:43 pm
Forum: Personal Consumer Issues
Topic: Hiring a Security Guard Agency
Replies: 30
Views: 2375

Re: Hiring a Security Guard Agency

Do you not have any neighbors that would keep an eye on the place and call the cops?
by quantAndHold
Sat Sep 26, 2020 6:59 pm
Forum: Personal Investments
Topic: Is this a perfect time to pile into a 3% yield, net of fees, stable value fund?
Replies: 20
Views: 2972

Re: Is this a perfect time to pile into a 3% yield, net of fees, stable value fund?

For your fixed income allocation? Yes, this is a no brainer.

If you mean selling out some or all of your stock allocation and buying stable value, that’s a different question.
by quantAndHold
Sat Sep 26, 2020 2:05 pm
Forum: Investing - Theory, News & General
Topic: Were you nervous when you retired?
Replies: 77
Views: 6260

Re: Were you nervous when you retired?

I wasn’t nervous at all when I first retired. I was having stress related health issues and it felt like a “my money or my life” situation. Three years later, my physical and emotional health is much better, but we’ve had a couple of unexpected high expense years, along with market conditions that I...
by quantAndHold
Sat Sep 26, 2020 10:13 am
Forum: Personal Investments
Topic: Is a Trust really needed today?
Replies: 18
Views: 1887

Re: Is a Trust really needed today?

WoodSpinner wrote: Sat Sep 26, 2020 9:45 am What state is the family member in?
This question actually matters if you want useful answers.
by quantAndHold
Fri Sep 25, 2020 9:12 pm
Forum: Personal Consumer Issues
Topic: How to approach kid’s middle school / high school / college decisions?
Replies: 48
Views: 3931

Re: How to approach kid’s middle school / high school / college decisions?

This is going to sound like a flip answer, but your kids will do fine with any of those options, because they have you as parents. Any of those schools will be fine for kids whose parents care, and if a problem turns up, you can fix it then. Great Schools ratings are based entirely on test scores. T...
by quantAndHold
Fri Sep 25, 2020 7:35 pm
Forum: Personal Consumer Issues
Topic: Which car to sell first
Replies: 8
Views: 658

Re: Which car to sell first

If the eventual plan is to sell them both, then just pick one. I’d probably sell the older one, but I have no particular reason, other than liking new things.
by quantAndHold
Fri Sep 25, 2020 10:23 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4606
Views: 1281009

Re: What Book Are You Currently Reading? Part VI

The Loyalist Conscience: Principled Opposition to the American Revolution by Chaim M. Rosenberg We are now under the impression that the American Revolution was a popular uprising against British oppression. That's one part of the story. The other side is of those colonists of all walks of life, ri...
by quantAndHold
Fri Sep 25, 2020 10:12 am
Forum: Personal Consumer Issues
Topic: Synology NAS -> DS220J, DS420j, DS418
Replies: 38
Views: 1935

Re: Synology NAS -> DS220J, DS420j, DS418

I don’t remember what the difference in technology is, but I do remember that the ones which J in the model number are quite slow. If you’re doing anything where you’re expecting it to perform like a regular hard drive, you’ll want to spring for the higher end model. In my case, it was fine for list...
by quantAndHold
Fri Sep 25, 2020 9:55 am
Forum: Personal Consumer Issues
Topic: Best chair cushion for working?
Replies: 5
Views: 400

Re: Best chair cushion for working?

If space is so tight that I really couldn’t have a separate desk and chair in the corner, I would replace one of the dining chairs with an office task chair. At least get something that’s height adjustable and padded. But really, you’re spending more time working on a laptop at a dining table than a...
by quantAndHold
Fri Sep 25, 2020 1:54 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4606
Views: 1281009

Re: What Book Are You Currently Reading? Part VI

The Magus , by John Fowles. I remembered the title from one of those best novels of the 20th century lists, and it turned up in the Little Free Library down the block last spring when all the libraries were closed and I was desperate for something that wasn’t a romance novel. Anyway, it was written...
by quantAndHold
Thu Sep 24, 2020 9:11 pm
Forum: Personal Consumer Issues
Topic: OLD papers [How do I dispose of old papers?]
Replies: 53
Views: 3955

Re: OLD papers [How do I dispose of old papers?]

I just disposed of 20lbs at Staples. Papers go in a locked box and then a service picks it up and shreds it. They charge by the pound. They gave my five pounds free when I signed up for a Staples rewards card. (not credit card). Great feeling! Go for it. Best, Toadandfriends The UPS store does this...
by quantAndHold
Thu Sep 24, 2020 3:21 pm
Forum: Personal Consumer Issues
Topic: Annual oil changes a must? Car maintenance during these times
Replies: 80
Views: 5559

Re: Annual oil changes a must? Car maintenance during these times

I don’t think I’ve driven more than 3000 miles any year since 2012. This year, I’ve only filled up the gas tank 3 times. My biggest concern right now is the battery going dead. There are so very, very many arguments on the internet about how often to change oil. The conclusion I come to when I read ...
by quantAndHold
Thu Sep 24, 2020 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Quit Hated Job And Take 80% Pay Cut?
Replies: 57
Views: 6561

Re: Should I Quit Hated Job And Take 80% Pay Cut?

I assume in a perfect world, you’d move back to wife’s home country. How far are you from being able to do that and just live off of savings? assume you’re not there yet, so what are your job prospects in that country? If this were me, as long as the job isn’t causing health issues, I would stick it...
by quantAndHold
Wed Sep 23, 2020 10:18 pm
Forum: Investing - Theory, News & General
Topic: In which companies do you own a single share, or token amount, of stock?
Replies: 118
Views: 9484

Re: In which companies do you own a single share, or token amount, of stock?

Wife and I gave her mom one share of Nordstrom for Christmas one year. She was a woman who needed nothing, and it was her favorite store.
by quantAndHold
Wed Sep 23, 2020 9:57 pm
Forum: Personal Consumer Issues
Topic: PODS or ABF/U-Pack or Similar?
Replies: 11
Views: 718

Re: PODS or ABF/U-Pack or Similar?

Check the parking rules on both ends. Here (San Diego), parking a UPack trailer is a $250 ticket. Per day. The UPack rep will tell you they don’t know about local parking regulations. The meter maid, though, said they write tickets on UPack trailers every day, and of course ABF knows that parking th...
by quantAndHold
Wed Sep 23, 2020 11:16 am
Forum: Personal Consumer Issues
Topic: A simpler car.
Replies: 176
Views: 11037

Re: A simpler car.

Older cars don't have modern safety features. Or bluetooth. And they require more maintenance.

I have a 2005, and I'm content with it. When it goes, though, I'll get whatever's current. They clearly don't make them like they used to. And that's a good thing.
by quantAndHold
Wed Sep 23, 2020 11:03 am
Forum: Personal Consumer Issues
Topic: Smoker next door
Replies: 79
Views: 4339

Re: Smoker next door

I would check the condo rules, and if there is nothing, have a talk with the condo board. If they are no help, you have to consider moving, I don't see another solution. One could join the board. Or partition the board. I have had a similar experience. One person at every annual meeting puts forwar...
by quantAndHold
Wed Sep 23, 2020 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Physicians: Should I leave my job?
Replies: 207
Views: 15760

Re: Physicians: Should I leave my job?

I never wanted to be a physician. Not at all. I never wanted to work that hard or that long in school, I didn't want to start my working life in my mid 30's with a pile of debt, etc. But when I hear people making $500k+ whining and complaining about their jobs and/or the state of their profession, m...
by quantAndHold
Wed Sep 23, 2020 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Conflict with 2 Vision plans?
Replies: 1
Views: 142

Re: Conflict with 2 Vision plans?

I see nothing bad about this, unless you're paying for the coverage.

When you go to the eye doc, you have them check and see which one provides better coverage for your situation, and use that one.

Also, it might be possible to stack the discounts.
by quantAndHold
Wed Sep 23, 2020 10:21 am
Forum: Personal Consumer Issues
Topic: Is Costco worth the $120 membership?
Replies: 238
Views: 15026

Re: Is Costco worth the $120 membership?

I’m anxiously awaiting the opening of a Costco in my area next month. I’ve been a Sam’s Club member for 10 years, but I’ve already signed up for the executive membership and credit card with Costco (came out to $20 after ‘rebates’). Here is my biggest concern. Sam’s Club has a Scan & Go feature on ...
by quantAndHold
Wed Sep 23, 2020 10:19 am
Forum: Personal Consumer Issues
Topic: Is Costco worth the $120 membership?
Replies: 238
Views: 15026

Re: Is Costco worth the $120 membership?

Costco is not worth the $60 membership, much less $120. I throw away more stuff from that place than I consume. I realize they have a very liberal return policy but it's not worth fooling with. When my membership expires I'll not renew. Costco is like cable and satellite TV, there are much better, ...
by quantAndHold
Tue Sep 22, 2020 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: Dental practice billing
Replies: 34
Views: 2615

Re: Dental practice billing

I had that happen at a fancy place in one of those wealthy towns where everyone putts down to the village in their golf carts.

I found a new dentist in a part of town where the patients care how much stuff costs.
by quantAndHold
Tue Sep 22, 2020 7:26 pm
Forum: Personal Consumer Issues
Topic: Why buy medical insurance ?
Replies: 113
Views: 7296

Re: Why buy medical insurance ?

My late FIL had just been laid off from work, was on cobra felt a pain in his lower right abdomen thought it was appendicitis. He went into the ER, they diagnosed him with leukemia, he went from the ER directly to an inpatient hospital room where he stayed for the next 90 days! Three months in the ...
by quantAndHold
Tue Sep 22, 2020 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: How to cash an estate check when there is no estate?
Replies: 18
Views: 1510

Re: How to cash an estate check when there is no estate?

You need an attorney. There are laws which govern intestate succession (inheritance of property when no will exists) and legal steps which must be followed to have real property deeded to the person(s) who acquire the property through inheritance. It isn't just a matter of a clerk in the Courthouse...
by quantAndHold
Tue Sep 22, 2020 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: Credit score mystery
Replies: 26
Views: 2006

Re: Credit score mystery

There are a bajillion different credit scores. You’re not going to get the *real* credit score without spending money.

Beyond knowing that you’re in the highest tier, what does it matter?
by quantAndHold
Tue Sep 22, 2020 10:23 am
Forum: Personal Consumer Issues
Topic: Computer Monitor, what to get? (So many options)
Replies: 24
Views: 1370

Re: Computer Monitor, what to get? (So many options)

In my house we have two Dell Ultrasharp 38" curved monitors (U3818DW) and they are amazing. I have the 34” version of this. You’ll pry it out of my cold, dead hands. I think other big curved UhD monitors would work just as well, but you definitely, definitely want UHD. At this size and viewing dist...
by quantAndHold
Tue Sep 22, 2020 10:16 am
Forum: Personal Consumer Issues
Topic: Why buy medical insurance ?
Replies: 113
Views: 7296

Re: Why buy medical insurance ?

You can gamble on collision insurance for your car. If you lose, you're out $20k or $40k. If you lose without health insurance, you end up broke. Only people who don't insurance are ultra-rich or poor. I have no issue paying for umbrella insurance, costs me little for protection of millions. And ev...
by quantAndHold
Tue Sep 22, 2020 9:52 am
Forum: Personal Finance (Not Investing)
Topic: How to cash an estate check when there is no estate?
Replies: 18
Views: 1510

Re: How to cash an estate check when there is no estate?

If all else fails, you can open probate for her, then use the testamentary letter to open a bank account in the name of the estate, deposit the check, pay yourself, and close probate. Contact the county probate court where she last lived. But talk to the bank first. We had to do reopen probate on mo...
by quantAndHold
Mon Sep 21, 2020 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: Hospital bill for deceased parent...received 2 years later.
Replies: 67
Views: 7190

Re: Hospital bill for deceased parent...received 2 years later.

I handled all of dad’s money the last 3 years of his life, and was executor of his estate. In those 3 years, he had a lot of medical bills. It was enough that I had to keep a spreadsheet to keep it reconciled. Most of the time I would find out about a bill from the insurance EOB, then I’d get the bi...
by quantAndHold
Mon Sep 21, 2020 9:57 pm
Forum: Investing - Theory, News & General
Topic: Is anyone waiting until after the election?
Replies: 145
Views: 12978

Re: Is anyone waiting until after the election?

The election-related stuff shouldn't be acted upon because most will fall into the trap of assuming their favored candidate will be better for the market. But the market doesn't really care who your favorite candidate is. Even though you will see various Wall Street types opining about what the mar...
by quantAndHold
Mon Sep 21, 2020 9:27 pm
Forum: Personal Consumer Issues
Topic: Why buy medical insurance ?
Replies: 113
Views: 7296

Re: Why buy medical insurance ?

When insurance companies deny claims and/or docs refuse to take patients at negotiated rates, seems to me you aren’t paying for much. I’m not saying our medical system isn’t broken, because it clearly is. But the number of horror stories people post on the internet, about any topic, not just health...
by quantAndHold
Mon Sep 21, 2020 9:16 pm
Forum: Personal Consumer Issues
Topic: Why buy medical insurance ?
Replies: 113
Views: 7296

Re: Why buy medical insurance ?

When dad had his first heart attack, the bill, before insurance, for the first six days in the hospital, was $100k. That was just for the first week of the first heart attack. Medical insurance is expensive because the need for expensive healthcare is actually pretty common, especially for people wh...
by quantAndHold
Mon Sep 21, 2020 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: 2 passports- traveling between US and Canada help
Replies: 17
Views: 1298

Re: 2 passports- traveling between US and Canada help

A US citizen can cross through Canada if you have “essential” reasons for passing through to go between two points in the US. For example if you’re moving from the lower 48 to Alaska (or Point Roberts). You’re required to take the most direct route from the border to where you’re going, not stopping...
by quantAndHold
Mon Sep 21, 2020 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Challenging a physician's bill
Replies: 82
Views: 5361

Re: Challenging a physician's bill

The system is clearly broken. You’d think doctors, who clearly have a vested interest in the system working properly, would by working to fix it, instead of whining on an Internet forum every time a patient shares their bad experience with the system. How would you like the doctors to fix it? What ...
by quantAndHold
Mon Sep 21, 2020 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Challenging a physician's bill
Replies: 82
Views: 5361

Re: Challenging a physician's bill

Ahhh...the problems of being in an industry where you don't collect your payment up front or at the time of service. Now nobody is happy. Patient mad because he got a bill and lousy care. Doctor mad because he didn't get paid and forced to try to see patients in 8 minutes. And the insurance company...
by quantAndHold
Mon Sep 21, 2020 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Hospital bill for deceased parent...received 2 years later.
Replies: 67
Views: 7190

Re: Hospital bill for deceased parent...received 2 years later.

I would start with a call to the hospital billing office telling them that she died shortly after the service for this 2 year old bill was rendered, they had the opportunity to send the bill while probate was open and didn’t, 9 month limit, blah, blah, blah, so you don’t owe it. My experience with d...
by quantAndHold
Sun Sep 20, 2020 2:45 pm
Forum: Personal Consumer Issues
Topic: Preparing for a Long Distance Move - questions
Replies: 22
Views: 1494

Re: Preparing for a Long Distance Move - questions

Have your car moved too with a moving company. You can load up the trunk with all the fragile, cushioned around the clothing. In my case everything that was in the trunk of my car arrived in perfect condition. MOVERs: Its a hit or miss. I have had boxes missing. No one knows where they are or how t...
by quantAndHold
Sun Sep 20, 2020 2:32 pm
Forum: Personal Consumer Issues
Topic: Preparing for a Long Distance Move - questions
Replies: 22
Views: 1494

Re: Preparing for a Long Distance Move - questions

Have your car moved too with a moving company. You can load up the trunk with all the fragile, cushioned around the clothing. In my case everything that was in the trunk of my car arrived in perfect condition. Car movers will almost never allow you to do this if they know about it, and if anything ...
by quantAndHold
Sat Sep 19, 2020 11:22 pm
Forum: Personal Consumer Issues
Topic: Quicken Disaster!
Replies: 185
Views: 9625

Re: Quicken Disaster!

You have Acronis backups? Do you back up just the data files, or all changes? I’m thinking you might be able to take Quicken back to an earlier date using Acronis.
by quantAndHold
Sat Sep 19, 2020 11:17 pm
Forum: Personal Consumer Issues
Topic: Relocation - CO considerations?
Replies: 64
Views: 4713

Re: Relocation - CO considerations?

About Autora...I would, ummm, get there first and have a look around before I started planning to buy a cheap condo in Aurora. There are large swaths of Aurora that aren’t really that nice.
by quantAndHold
Sat Sep 19, 2020 11:11 pm
Forum: Personal Consumer Issues
Topic: Relocation - CO considerations?
Replies: 64
Views: 4713

Re: Blood

The dryness can be a negative though. My wife is not from here, and even though we've lived here for over twenty years she still complains about the skin on her hands cracking and her nose bleeding in the winter. Winter? I have lived in Denver for 40 years. I blow bloody snot out my nose every morn...
by quantAndHold
Sat Sep 19, 2020 10:50 pm
Forum: Personal Consumer Issues
Topic: Tour de France - sort of
Replies: 10
Views: 1071

Re: Tour de France - sort of

Have you ever been to Boston? Or New York, especially downtown.

Old towns were built when people got around mostly by walking. They didn’t need to accommodate a delivery van going 30 MPH. It was more useful to have things be close together to save walking time.