Search found 4443 matches

by quantAndHold
Tue May 26, 2020 1:47 pm
Forum: Personal Consumer Issues
Topic: Cross country road trip from MA to Glacier NP and Yellowstone NP
Replies: 36
Views: 1450

Re: Cross country road trip from MA to Glacier NP and Yellowstone NP

Most of the services and accommodations in both parks will either be closed or at very reduced capacity, because they can’t get enough workers (the seasonal workers usually live in dorms, but this year they have to be in private rooms). Glacier hasn’t opened yet at all, and it seems doubtful that mu...
by quantAndHold
Tue May 26, 2020 1:32 pm
Forum: Personal Consumer Issues
Topic: NJ property taxes too high. What are my alternative states?
Replies: 61
Views: 4372

Re: NJ property taxes too high. What are my alternative states?

If it’s entirely about the property taxes, then California. Okay, now that I got that out of my system...I assume you want to stay close to family, because the farther you are from them the more either you or they will have to spend on family visits, and that cost will quickly be greater than $8k/ye...
by quantAndHold
Tue May 26, 2020 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Avoiding keeping-up-with-the-joneses w.r.t. private schools
Replies: 70
Views: 3178

Re: Avoiding keeping-up-with-the-joneses w.r.t. private schools

By comparison my kid goes to a 10/10 public school and it's pretty bad. He finished second grade and they are not even learning multiplication. Multiplication is in the 3rd grade curriculum pretty much everywhere. None of my kids learned multiplication until the third grade. 2 are now SDE’s at FAAN...
by quantAndHold
Mon May 25, 2020 10:17 am
Forum: Personal Consumer Issues
Topic: Self Isolating Winter Getaway Ideas
Replies: 19
Views: 1708

Re: Self Isolating Winter Getaway Ideas

I’d stay away from Hawaii plans. Their mandatory quarantine disallows renting a car and leaving your rental for any reason other than medical (not even food shopping is allowed). Unless you can make plans with a great refund option, Hawaii is a huge gamble. And Hawaii does check up on people to mak...
by quantAndHold
Mon May 11, 2020 10:39 pm
Forum: Personal Finance (Not Investing)
Topic: Car Insurance; Bad Driver Penalty
Replies: 21
Views: 1669

Re: Car Insurance; Bad Driver Penalty

Have they shopped around for a better rate?
by quantAndHold
Sun May 10, 2020 8:00 pm
Forum: Personal Consumer Issues
Topic: BJJ -martial art
Replies: 58
Views: 2999

Re: BJJ -martial art

atikovi wrote:
Sun May 10, 2020 5:57 pm
quantAndHold wrote:
Sun May 10, 2020 3:30 pm
You haven’t really explained why you want to do martial arts. Health and fitness? Self defense?
Guns beat kicks.
Proportionality, my friend. Sometimes it’s more useful to take care of things without literally going ballistic.
by quantAndHold
Sun May 10, 2020 7:48 pm
Forum: Personal Consumer Issues
Topic: What are your alternative plans this summer if it was travel?
Replies: 65
Views: 5321

Re: What are your alternative plans this summer if it was travel?

So, do you have any interesting plans for this summer in lieu of travel? My alternative plans? Stay home and be bored. There's no way to put lipstick on this pig. Oh you too? Crazy. I’m also doing that. I’m getting really really good at making margaritas though. Life handed me a bunch of lemons. I’...
by quantAndHold
Sun May 10, 2020 7:45 pm
Forum: Personal Consumer Issues
Topic: Simplest Coffee Cold Brew Systems
Replies: 16
Views: 947

Re: Simplest Coffee Cold Brew Systems

Two pitchers and a fine mesh strainer. It’s what I already had.
by quantAndHold
Sun May 10, 2020 5:45 pm
Forum: Personal Consumer Issues
Topic: What are your alternative plans this summer if it was travel?
Replies: 65
Views: 5321

Re: What are your alternative plans this summer if it was travel?

I have a couple of bathrooms that are due to be remodeled but I do not want to do that myself. I don't feel comfortable with having contractors come in to do that yet otherwise I would use my travel budget to pay for that. We just this week finished a bathroom remodel that was started in the “befor...
by quantAndHold
Sun May 10, 2020 3:47 pm
Forum: Personal Consumer Issues
Topic: What are your alternative plans this summer if it was travel?
Replies: 65
Views: 5321

Re: What are your alternative plans this summer if it was travel?

I get it. I was supposed to leave April 14 and spend spring and part of summer in Spain and France. Most of the activities I would normally do while at home have also been canceled, and aren’t likely to come back anytime soon. So, I’m doing some DIY projects around the house. And got my art supplies...
by quantAndHold
Sun May 10, 2020 3:30 pm
Forum: Personal Consumer Issues
Topic: BJJ -martial art
Replies: 58
Views: 2999

Re: BJJ -martial art

You haven’t really explained why you want to do martial arts. Health and fitness? Self defense? Some other reason? Any martial art can be good, especially for health and fitness. My opinion is that what’s *best* really is about what’s available locally with high quality instruction. There are a lot ...
by quantAndHold
Sun May 10, 2020 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Quitting a job after two weeks: relocation expenses
Replies: 196
Views: 17339

Re: Quitting a job after two weeks: relocation expenses

I didn’t read all the responses, but I’ve had that job, or one very similar, anyway. Just quit, write them a check, move back to CA, and be done with it. $40-50k is nothing compared to your mental and physical health. If you try to last the year, you’ll be so damaged by the experience that you won’t...
by quantAndHold
Sun May 10, 2020 3:03 pm
Forum: Personal Consumer Issues
Topic: Has Your Spending Changed Since The Shutdown?
Replies: 180
Views: 6587

Re: Has Your Spending Changed Since The Shutdown?

greg24 wrote:
Sun May 10, 2020 2:51 pm
Everything has gone down except for groceries. Our monthly credit card statements have been really low.
Between less spending and refunds on plane tickets, this month’s balance on our main credit card is negative. It’s usually $4-6k.
by quantAndHold
Sat May 09, 2020 9:02 am
Forum: Personal Consumer Issues
Topic: What are you doing for haircuts due to coronavirus shutdown?
Replies: 254
Views: 20100

Re: What are you doing for haircuts due to coronavirus shutdown?

A family member had his boyfriend cut it the other day, live streamed on Facebook. 87 people watched it all the way to the end. This is what we do for entertainment now.

I’m letting mine grow out.
by quantAndHold
Fri May 08, 2020 6:30 pm
Forum: Personal Consumer Issues
Topic: Percentage of savings to "prepping"?
Replies: 132
Views: 8263

Re: Percentage of savings to "prepping"?

I’m more interested in things that I’m likely to need no matter what. You aren't likely to need food? I’m likely to be able to buy food the normal way. Any food shortage is likely to either be short term (flood, fire, earthquake, etc), or a spot shortage (meat right now). Having supplies for a week...
by quantAndHold
Fri May 08, 2020 3:37 pm
Forum: Personal Consumer Issues
Topic: Percentage of savings to "prepping"?
Replies: 132
Views: 8263

Re: Percentage of savings to "prepping"?

I’m more interested in things that I’m likely to need no matter what. It would probably be more useful to spend the money on health insurance, which almost everyone needs sooner or later, than a year’s worth of stuff I’ll never use.
by quantAndHold
Fri May 08, 2020 12:41 pm
Forum: Personal Consumer Issues
Topic: Need advice for finding a specialist doctor appointment quickly
Replies: 24
Views: 2035

Re: Need advice for finding a specialist doctor appointment quickly

Is your friend in danger of harming herself or others? If so, she needs to say that to her PCP in order to get appropriate care right away. This crisis has been emotionally hard on everyone, and I’m not surprised that psychiatrists are backlogged.
by quantAndHold
Fri May 08, 2020 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Choosing not to correct all billing/financial errors
Replies: 68
Views: 4587

Re: Choosing not to correct all billing/financial errors

I just had one of these come up. My nearby drug store could not get an Rx I wanted. They sent me to one 7 miles away. When I got home, I found that it was a year past the expiration date, and it was the last one they had. My Dr. prescribed something else instead. I could take it back to the store w...
by quantAndHold
Fri May 08, 2020 10:27 am
Forum: Personal Consumer Issues
Topic: IE, Chrome or Firefox, that is the question.
Replies: 53
Views: 2961

Re: IE, Chrome or Firefox, that is the question.

Windows 10 and a nontechnical user? Edge. It’s the most likely to work correctly and consistently on every website.

If the version of Windows is old enough that Edge doesn’t exist, then he OS needs to be updated.
by quantAndHold
Thu May 07, 2020 7:01 pm
Forum: Personal Consumer Issues
Topic: Cross Country Drive-Best route? Safest way to do it?
Replies: 40
Views: 3779

Re: Cross Country Drive-Best route? Safest way to do it?

If I were moving across the country today, I would fly and have my car shipped. Much less opportunity to get exposed in a five hour flight than on a weeklong drive. Not only that, but you eliminate the most likely source of risk - a car accident. Right now COVID-19 is blowing everything else out of...
by quantAndHold
Thu May 07, 2020 6:56 pm
Forum: Personal Consumer Issues
Topic: Cross Country Drive-Best route? Safest way to do it?
Replies: 40
Views: 3779

Re: Cross Country Drive-Best route? Safest way to do it?

If I were moving across the country today, I would fly and have my car shipped. Much less opportunity to get exposed in a five hour flight than on a weeklong drive. Not only that, but you eliminate the most likely source of risk - a car accident. Yes, but we can't abandon our pets. Pets can be flow...
by quantAndHold
Thu May 07, 2020 6:54 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1474
Views: 169653

Re: What frugal thing did you do today?

Bought paint. Doin’ it myself.
by quantAndHold
Thu May 07, 2020 6:52 pm
Forum: Personal Consumer Issues
Topic: Recommendations for relatively cheap cell phones
Replies: 34
Views: 1581

Re: Recommendations for relatively cheap cell phones

I would get the iPhone SE. It will continue to be supported for longer, so you’ll be able to keep it for five or six years, if you replace the battery after three or four years. Android phones don’t get software updates for as long.
by quantAndHold
Thu May 07, 2020 6:49 pm
Forum: Personal Consumer Issues
Topic: Hospice care - room and board
Replies: 33
Views: 2586

Re: Hospice care - room and board

I am sorry to hear of your mother's situation. I hope this move to a hospice facility works well for you. You may also want to consider if your mother is Medicaid eligible, which means they would cover most expenses. Mom has enough resources to pay - for which I am grateful. So no medicaid. The pla...
by quantAndHold
Thu May 07, 2020 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: How Do Early Retirees Pay for Medical
Replies: 132
Views: 9727

Re: How Do Early Retirees Pay for Medical

geerhardusvos wrote:
Thu May 07, 2020 1:09 am
AerialWombat wrote:
Wed May 06, 2020 8:45 pm
Health sharing ministry.
How much does it cost per month for a family of five?
It could be infinite if you get the wrong illness.

https://www.google.com/amp/s/khn.org/ne ... ators/amp/
by quantAndHold
Thu May 07, 2020 1:23 pm
Forum: Investing - Theory, News & General
Topic: Is Disney the most tempting value stock?
Replies: 222
Views: 12989

Re: Is Disney the most tempting value stock?

So nobody here seems to have run discount cash flows, except for one person who has a Python program and isn’t showing their work. A financial analysis would seem kind of important if I was arguing that Disney is a value play. The pros have already done this, and if you haven’t, then they know more...
by quantAndHold
Wed May 06, 2020 8:11 pm
Forum: Personal Consumer Issues
Topic: 2020 travel plans
Replies: 95
Views: 4408

Re: 2020 travel plans

What is everyone doing with their travel plans for the rest of the year? We have several trips planned (some paid for) and I'm not sure what to do about them. Niagara Falls/Pennsylvania in mid June - all reservations made and paid for Wedding in Wisconsin in July Orlando in November We live in NC a...
by quantAndHold
Wed May 06, 2020 6:12 pm
Forum: Personal Consumer Issues
Topic: 2020 travel plans
Replies: 95
Views: 4408

Re: 2020 travel plans

We plan to go ahead with our scheduled cruise from Boston to Canada in September if it sails. It all depends on your age and health. We are in our 50s and healthy. If you are elderly and/or have any health concerns- stay home. That is not us. As Thomas Friedman of the NYT said, it’s all about immun...
by quantAndHold
Wed May 06, 2020 4:15 pm
Forum: Personal Consumer Issues
Topic: Craigslist - are these scams?
Replies: 49
Views: 3127

Re: Craigslist - are these scams?

Responding to nearly every inquiry with "cash only, in person" stops pretty much every scam. Scammers use automated scripts to send out thousands of their messsages. They are not reading your ads and writing tailored scams just for you.. You can get a human by replying. It can be entertaining to en...
by quantAndHold
Wed May 06, 2020 3:25 pm
Forum: Personal Consumer Issues
Topic: Craigslist - are these scams?
Replies: 49
Views: 3127

Re: Craigslist - are these scams?

I had a side business buying and selling camera gear on Craigslist for a number of years. I did 50-100 transactions per year for 8 years. My experience is that CL is still the quickest and easiest way to sell stuff locally. Here's what I learned along the way. Responding to nearly every inquiry with...
by quantAndHold
Wed May 06, 2020 1:53 pm
Forum: Personal Consumer Issues
Topic: 2020 travel plans
Replies: 95
Views: 4408

Re: 2020 travel plans

Just from the CNBS news: (NY governor) "Cuomo said nearly 84% of the hospitalized cases were people who were not commuting to work through car services, personal cars, public transit or walking. He said a majority of those people were either retired or unemployed. Overall, some 73% of the admission...
by quantAndHold
Wed May 06, 2020 1:17 pm
Forum: Personal Consumer Issues
Topic: 2020 travel plans
Replies: 95
Views: 4408

Re: 2020 travel plans

I'm also hoping to do at least one multiple night backpacking trip, but that's really more a matter of my work schedule since I won't be around anyone, unlike in a campground. Make sure wherever you’re going is open to backpacking. I know they closed the PCT because when everything else closed, the...
by quantAndHold
Wed May 06, 2020 1:05 pm
Forum: Personal Consumer Issues
Topic: 2020 travel plans
Replies: 95
Views: 4408

Re: 2020 travel plans

All my travel plans (other than a walk around the block) are indefinitely postponed. The level of complacency I’m seeing around here is mindBogling. It’s like we’re asking for a second wave. What is the alternative? Never go out again? What about if there will be no vaccine? How about the virus com...
by quantAndHold
Wed May 06, 2020 12:54 pm
Forum: Personal Consumer Issues
Topic: 2020 travel plans
Replies: 95
Views: 4408

Re: 2020 travel plans

We have trips planned to Brazil in August and to Spain in September. I would put our odds of going at about 50% for Brazil and 75% for Spain. It all depends on what course the virus takes over the next few months. I'm shocked you would even consider going to Brazil. Somehow they've managed to bungl...
by quantAndHold
Wed May 06, 2020 10:24 am
Forum: Personal Consumer Issues
Topic: 2020 travel plans
Replies: 95
Views: 4408

Re: 2020 travel plans

All my travel plans (other than a walk around the block) are indefinitely postponed. The level of complacency I’m seeing around here is mindBogling. It’s like we’re asking for a second wave. I'm sorry you think that the world is going to end because my family that is likely already immune (we think...
by quantAndHold
Wed May 06, 2020 10:05 am
Forum: Personal Consumer Issues
Topic: Neighbor’s contractor wants to access our property
Replies: 158
Views: 16225

Re: Neighbor’s contractor wants to access our property

F150HD wrote:
Tue May 05, 2020 8:49 pm
ponyboy wrote:
Tue May 05, 2020 1:21 pm
Is this going to be one of those threads that lives on until the project is complete...so for the entire summer?
God I hope so. :D

someone should aggregate a list of 'best threads'
I still want to know what’s in the safe.
by quantAndHold
Wed May 06, 2020 9:59 am
Forum: Personal Consumer Issues
Topic: Cross Country Drive-Best route? Safest way to do it?
Replies: 40
Views: 3779

Re: Cross Country Drive-Best route? Safest way to do it?

Right now, even the rest areas are closed in a lot of places. If I were moving across the country today, I would fly and have my car shipped. Much less opportunity to get exposed in a five hour flight than on a weeklong drive. And my understanding is it’s not very fun out there with everything close...
by quantAndHold
Tue May 05, 2020 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: selling starter home to buy upgrade during Covid19
Replies: 11
Views: 960

Re: selling starter home to buy upgrade during Covid19

Do you really want random strangers wandering through your house touching your stuff right now? Or to have to clean and sanitize after each one comes through? Open houses around here are now one person/couple at a time and no touching anything in the house. Around here there are no open houses, and...
by quantAndHold
Tue May 05, 2020 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: selling starter home to buy upgrade during Covid19
Replies: 11
Views: 960

Re: selling starter home to buy upgrade during Covid19

Do you really want random strangers wandering through your house touching your stuff right now? Or to have to clean and sanitize after each one comes through?
by quantAndHold
Tue May 05, 2020 5:04 pm
Forum: Investing - Theory, News & General
Topic: Is Disney the most tempting value stock?
Replies: 222
Views: 12989

Re: Is Disney the most tempting value stock?

So nobody here seems to have run discount cash flows, except for one person who has a Python program and isn’t showing their work. A financial analysis would seem kind of important if I was arguing that Disney is a value play. The pros have already done this, and if you haven’t, then they know more...
by quantAndHold
Tue May 05, 2020 4:18 pm
Forum: Investing - Theory, News & General
Topic: All my friends are outperforming index funds
Replies: 122
Views: 11144

Re: All my friends are outperforming index funds

Everyone beats the market now and then, for a few trades. Long term, not so much. Your friends will tell you about their winners, and conveniently forget to tell you about their losers. Congratulate them and carry on with your plan.
by quantAndHold
Tue May 05, 2020 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: [thinking about buying a house in LA, wait for RE crash?]
Replies: 56
Views: 3311

Re: do you expect there to be a housing market crash? If so, when?

Real estate is all local. There was a housing shortage in LA County before this. I suspect there will still be a housing shortage after this is all over. While it’s going on? No idea how it will play out. As things currently stand, the market seems to be frozen in place. People have taken their plac...
by quantAndHold
Tue May 05, 2020 1:44 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 128840

Re: Coronavirus (Consumer Issues) How you are preparing?

I also have the Chase Sapphire Reserve so thanks for the reminder about Door Dash. Does anyone here have thoughts on warm vs. cold delivery food? I'd love to order a salad with a pizza but I had heard that we should only be ordering warm food for delivery. I'm glad you were able to find everything ...
by quantAndHold
Tue May 05, 2020 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Moving from High taxed state to no income tax state
Replies: 44
Views: 3104

Re: Moving from High taxed state to no income tax state

State tax is all personal. There is no one size fits all number. You have to look at each place you’re considering and run the numbers for your situation. When I retired, we moved from “no tax” WA to “high tax” CA, and our total tax burden went down significantly. CA income tax is very progressive, ...
by quantAndHold
Tue May 05, 2020 9:39 am
Forum: Personal Consumer Issues
Topic: How Long Should A Bed Last?
Replies: 30
Views: 2367

Re: How Long Should A Bed Last?

How big are you? Depending on your weight, whether or not you’re flipping and rotating the mattress, the quality, etc, it could be anywhere between 5 and 20 years. Also, as we mature, our bodies change, and a mattress that’s comfortable when we’re 35 might not be comfortable when we’re 45, even thou...
by quantAndHold
Tue May 05, 2020 9:33 am
Forum: Personal Finance (Not Investing)
Topic: sending a fax to IRS (w/o a fax machine!)
Replies: 10
Views: 807

Re: sending a fax to IRS (w/o a fax machine!)

Can you just print and snail mail?
by quantAndHold
Tue May 05, 2020 9:28 am
Forum: Personal Consumer Issues
Topic: Is a locking mailbox necessary or helpful, or more hassle than it's worth?
Replies: 43
Views: 2257

Re: Is a locking mailbox necessary or helpful, or more hassle than it's worth?

It’s been awhile since I got any mail that I would have cared about enough to buy a locking mailbox. Everything important is electronic now. Except the packages, which don’t fit in the mailbox anyway.
by quantAndHold
Tue May 05, 2020 9:05 am
Forum: Personal Consumer Issues
Topic: September Kenya Travel
Replies: 31
Views: 1803

Re: September Kenya Travel

You can always rebook when things are better, but I think the big risk is that the tour company might not be in business by 2021. For anything travel air tourism related, I would take any money I could get now.
by quantAndHold
Mon May 04, 2020 9:35 pm
Forum: Investing - Theory, News & General
Topic: Is Disney the most tempting value stock?
Replies: 222
Views: 12989

Re: Is Disney the most tempting value stock?

So nobody here seems to have run discount cash flows, except for one person who has a Python program and isn’t showing their work. A financial analysis would seem kind of important if I was arguing that Disney is a value play. The pros have already done this, and if you haven’t, then they know more ...