Search found 885 matches

by ataloss
Sun Mar 05, 2017 9:40 am
Forum: Personal Consumer Issues
Topic: Oil Change Advice Honda CR-V
Replies: 40
Views: 25346

Re: Oil Change Advice Honda CR-V

I would get it changed when the year is up. Owner's manual for our 2010 says 1 year or according to maintenance minder. We usually get to 8,000 to get to 5% oil life. The mechanic who gets paid for oil changes may tell you to change at some higher % but that isn't Honda's recommendation
by ataloss
Sun Jul 03, 2016 8:16 pm
Forum: Personal Consumer Issues
Topic: Encyclopedia, World Book, Complete Set, 1960 Ed.
Replies: 43
Views: 10487

Re: Encyclopedia, World Book, Complete Set, 1960 Ed.

My family had the 1964 World Book with a custom made cabinet. It was sad to see them get recycled a few years ago.
by ataloss
Sun Jul 03, 2016 6:09 pm
Forum: Forum Issues and Administration
Topic: Raddr's forum OK?
Replies: 2
Views: 5035

Re: Raddr's forum OK?

It is still there although posting is light
http://www.raddr-pages.com/forums/
by ataloss
Sat Mar 19, 2016 5:38 am
Forum: Personal Finance (Not Investing)
Topic: Did I take appropriate steps to ensure proper insurance coverage for medical procedure
Replies: 42
Views: 4899

Re: Did I take appropriate steps to ensure proper insurance coversge for medical procedure

This is important for people to be understand because it is counter-intuitive for most of us. For example, if a woman has ever had a diagnosis of breast cancer or pre-breast cancer all subsequent mammograms will be considered diagnostic, rather than screening.
This is facility dependent i.e. there is no universal approach. Diagnostic pays better but there is generally nothing to preclude billing screening.
by ataloss
Thu Mar 03, 2016 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: FYI H&R Block Deluxe & Foreign Tax Credit Form 1116
Replies: 23
Views: 6132

Re: FYI H&R Block Deluxe & Foreign Tax Credit Form 1116

Turbotax is pretty nice and the 1116 is very easy. Although I liked the old Vanguard deal, compared to paying someone to do taxes TT is not bad.
by ataloss
Thu Mar 03, 2016 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Failed "slaying" of form 1116
Replies: 2
Views: 925

Failed "slaying" of form 1116

TaxSlayer's web site indicates that it can handle form 1116 Foreign Tax Credit but it can't. For individuals/joint filings with < $300/600 you can claim the credit without filing the form. If the amounts are greater TS doesn't give you the option of completing the form. I confirmed with customer service. I am back to Turbotax which has worked well for me for years. I did like it when Vanguard paid for it :D
by ataloss
Mon Jul 20, 2015 10:23 pm
Forum: Personal Consumer Issues
Topic: Cost of Routine Dental Cleanings
Replies: 50
Views: 7187

Re: Cost of Routine Dental Cleanings

$120 for cleaning, bitewings only every 2-3 years as recommended by ADA
by ataloss
Sat Dec 06, 2014 6:24 pm
Forum: Personal Consumer Issues
Topic: Vanguard offers login security code
Replies: 124
Views: 50270

Re: Vanguard offers login security code

Ah, Mint. I like the site and trust it enough for my checking and credit card accounts but I don't give it access to investment accounts.
by ataloss
Sat Dec 06, 2014 12:16 pm
Forum: Personal Consumer Issues
Topic: Vanguard offers login security code
Replies: 124
Views: 50270

Re: Vanguard offers login security code

This was not the solution I asked for exactly, my Etrade account uses the dynamically changing password each and every time, which is less convenient, therefore seems more secure. It seemed more secure until RSA was hacked. Back in the old days I assumed it was magic and not subject to hacking. Soon I will have unlimited texts but for now I pay for each. How would GV work with this? I'd have to check my GV account for the code? Seems a bit cumbersome . Open Google voice in one broswer tab, open the login for Vanguard in another. Not too cumbersome. Of course I have 2 factor for my Google accounts using text. What I found interesting is as soon as I turned on 2 factor auth, I started getting texts at 2AM. Yes, folks were actively trying to ...
by ataloss
Sat Dec 06, 2014 8:50 am
Forum: Personal Consumer Issues
Topic: Vanguard offers login security code
Replies: 124
Views: 50270

Re: Vanguard offers login security code

True. People have their pet issue and want that implemented. I was a fan of the RSA security tokens over at E*trade but less so now that they (RSA) were hacked. Vanguard has good security. Probably user error/carelessness is the biggest risk but we all think that applies only to the other guy :D
by ataloss
Sat Dec 06, 2014 6:58 am
Forum: Personal Consumer Issues
Topic: Vanguard offers login security code
Replies: 124
Views: 50270

Re: Vanguard offers login security code

What happens if your computer dies?
Only a problem is you have the smoke inhalation voice change at the same time :happy
by ataloss
Sat Nov 29, 2014 6:46 am
Forum: Personal Consumer Issues
Topic: Florescent lights
Replies: 20
Views: 2378

Re: Florescent lights

I am not sure mercury is magnetic enough for this to be practical at room temperature. Maybe it might work at 4 degrees Kelvin according to this site:
https://van.physics.illinois.edu/qa/listing.php?id=388

There is something called Mercury Magnet but it is a commercial spill powder: http://www.sorb-tech.com/products/mercury-magnet.php

More info on diamagnetism:
http://en.wikipedia.org/wiki/Diamagnetism

I would be interested in links showing the use of a magnet to pick up mercury
by ataloss
Fri Nov 28, 2014 9:24 am
Forum: Personal Consumer Issues
Topic: Vanguard offers login security code
Replies: 124
Views: 50270

Re: Vanguard offers login security code

Suck eggs, you people with no text capabilities, signed Vanguard.
If you turn on the computer specific restriction (as I have) the potential evil doer has to physically steal your computer as well as get your password. I think my risk of getting struck by a meteorite is higher. Still nice that Vanguard is making yet another form of security available to those who choose to use it.
by ataloss
Fri Nov 28, 2014 9:13 am
Forum: Personal Consumer Issues
Topic: Buying a Computer. Need recommendations.
Replies: 52
Views: 7654

Re: Buying a Computer. Need recommendations.

2 GB is ram is plenty with a chromebook. $150 today at Amazon. I would get a 1TB external drive for local storage too (but that's just me)
by ataloss
Fri Nov 28, 2014 9:09 am
Forum: Personal Consumer Issues
Topic: Honor Societies (any point?)
Replies: 35
Views: 4225

Re: Honor Societies (any point?)

If you have to spend money to join its not an "honor," it's a club.
There is sort of a continuum from PBK and TBP to various lesser organizations. It is probably specific to the area of study. I don't think a one size fits all applies here. My parents wanted me to get the PBK key which was optional and more expensive than the initiation fee. In 35 years I still haven't had occasion to wear it. :D
by ataloss
Fri Nov 28, 2014 8:46 am
Forum: Personal Consumer Issues
Topic: Dog food - how cheap is too cheap?
Replies: 64
Views: 12127

Re: Dog food - how cheap is too cheap?

I didn't read the paper but I did look at some of the links. I wasn't even aware that pet food was a FDA issue. I think I will trust the professionals on this.
by ataloss
Wed Nov 26, 2014 5:27 am
Forum: Personal Consumer Issues
Topic: Dog food - how cheap is too cheap?
Replies: 64
Views: 12127

Re: Dog food - how cheap is too cheap?

Most of the claims made by ultra premium brands is pure marketing and not evidence based.
Evidence is fine but marketing is designed to appeal to people. A web site run by a dentist with a personal story about his beliefs about grain seems to have a lot of influence. I thought it was interesting that the Tufts and OSU web sites linked in this thread specifically address the grain myth.
by ataloss
Tue Nov 25, 2014 6:05 am
Forum: Personal Consumer Issues
Topic: Dealing with pressure for "social donations" at work
Replies: 181
Views: 23735

Re: Dealing with pressure for "social donations" at work

Don't pay and see what happens... They won't fire you over it, although you may get on a "list"... So who cares? If being on that list has a noticeable impact on your work life, then you can start looking for another job.
I would probably be looking for a job anyway whether I paid or not. I just don't like the approach. I would also consider anonymously reporting to HR if not for the fact that the new guy would be suspected.
by ataloss
Tue Nov 25, 2014 5:59 am
Forum: Personal Consumer Issues
Topic: Telephone Calls! Help! [Stopping telemarketing calls]
Replies: 123
Views: 17992

Re: Telephone Calls! Help! [Stopping telemarketing calls]

I was surprised to find my Ooma voip number listed on whitepages.com. I claimed it and turned it off. Ooma is fine and you can add numbers to your blacklist but there is no whitelist option :(
by ataloss
Sat Nov 22, 2014 7:23 pm
Forum: Personal Consumer Issues
Topic: Changes to T-Mobile's pay-as-you-go plan
Replies: 12
Views: 10078

Re: Changes to T-Mobile's pay-as-you-go plan

If t mobile prepaid becomes less of a good deal would it make sense to switch to ptel prepaid?
by ataloss
Sat Nov 22, 2014 5:53 pm
Forum: Personal Consumer Issues
Topic: Dog food - how cheap is too cheap?
Replies: 64
Views: 12127

Re: Dog food - how cheap is too cheap?

Thanks Sevenseas. It is good to have input from a professional.

We have been feeding Iams for various retrievers over a 25 year period and they have done great. It and Science diet were the best available in my area at one time but both get marked down by the petfoodadvisor site for having grain. Your Tufts link has a good section on grains: http://vet.tufts.edu/nutrition/faq/gene ... ion.html#4
by ataloss
Sat Sep 20, 2014 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Amount to set aside for Special Needs Trust
Replies: 11
Views: 2078

Re: Amount to set aside for Special Needs Trust

As a result, we haven't been able to more accurately assess how much to fund it when we die.
We haven't really found any guidance in this aspect. Estimates range from a low of $250,000 to millions of dollars.
I think all you can do is estimate. People plan 3-4% withdrawals from retirement portfolios that need to last a few decades. Maybe 2% would be a good estimate for this longer term situation. That would mean 50x current spending. Of course you would need to inflation adjust and perhaps even eventually account for his aging. I am not sure that a one time attorney visit will resolve this.
by ataloss
Fri May 23, 2014 6:07 am
Forum: Personal Consumer Issues
Topic: Question for renters that are happily renting..
Replies: 44
Views: 11542

Re: Question for renters that are happily renting..

Annual rent increases are the norm in many areas and they can exceed the rate of inflation. I think increases in my area have averaged 4-6% per year with recent increases being even higher. Buying a home in ten or twenty years could involve significant price appreciation relative to current prices.
I bought a house in Michigan 20 years ago and the current value is the same or less. I don't think anyone would have predicted this at the time. I would be in trouble if I had been counting on price appreciation. I don't regret the decision but my point is that we might be best off basing decisions on current needs than predictions of the distant future.
by ataloss
Sat May 03, 2014 7:42 pm
Forum: Personal Consumer Issues
Topic: Alternatives to Quicken
Replies: 41
Views: 33184

Re: Alternatives to Quicken

I used quicken from the days of dos until a few years ago. Gnu cash wasn't simple enough for me. I ended up with Mint for checking and credit. I spend much less time on the process than before. Investment positions are in a spreadsheet that updates prices.
by ataloss
Sat May 03, 2014 7:27 pm
Forum: Personal Consumer Issues
Topic: Purchasing first smartphone, need advice
Replies: 62
Views: 7405

Re: Purchasing first smartphone, need advice

The beauty of the Nexus 5 is that it supports both GSM and CDMA so if my wife is unhappy with Ting (Sprint/CDMA) she can switch to Straight Talk (ATT/GSM) and vice versa for myself.
not bad to have diversification of carriers. The Nexus 5 is a great phone but I have been impressed with a Nokia 521 windows phone that we are running on our T mobile plan. $70 new. T mobile isn't for everybody but it works fine where I live. I tested it out with a dumb phone on prepaid before committing. P-tel is sort of a Ting like MVNO. I haven't switched since we have a cheap discontinued family plan with t mobile.
by ataloss
Fri Apr 04, 2014 6:40 pm
Forum: Personal Consumer Issues
Topic: Frugal Fatigue
Replies: 96
Views: 15317

Re: Frugal Fatigue

We live in Boise, very low cost of living, no crime, and make very good money. We live on about 20% of our gross (36% of our net) income, we live in a nice (2700 sqft 5 bedroom in a nice neighborhood) house, drive nice cars (we lease new every 3 years because we like new cars, can afford it and otherwise are frugal) and occasionally buy designer clothes (I love them, she would rather save the money). When we go on dates we eat at the nicer resturants in town and this weekend we are doing a stacation and spending nearly $400 for a hotel for one night.


living on 20% of gross! that amazing
by ataloss
Sat Mar 15, 2014 12:04 pm
Forum: Personal Consumer Issues
Topic: I don't want to upgrade XP just yet, is that ok?
Replies: 86
Views: 12752

Re: I don't want to upgrade XP just yet, is that ok?

so I just looked at the website for a major computer retailer. They have lots of windows 7 used/refurbished desktops for $100-200. I don't know or care what anybody else should do. If your hobby is dealing with old computers and software, fine. On the other hand, I don't think there is any financial reason not to upgrade.
by ataloss
Sat Mar 15, 2014 10:46 am
Forum: Personal Consumer Issues
Topic: Was frugality a mistake? The downsides of saving too much.
Replies: 115
Views: 26575

Re: Was frugality a mistake? The downsides of saving too mu

so is this related to your thread about the guy who wants a Porsche? FWIW I have been frugal about objects but less so with experiences. Flew to Disneyworld with the kids and wife enough that they got tired of it. Cruises, trips. I buy expensive beer and consumables. Experiences that you defer may not be replaceable. It helps that Mrs is ok with frugality. When I have upgraded product quality I have found that the thrill doesn't last. Hedonic treadmill and all that.
by ataloss
Sat Mar 15, 2014 8:25 am
Forum: Personal Consumer Issues
Topic: I don't want to upgrade XP just yet, is that ok?
Replies: 86
Views: 12752

Re: I don't want to upgrade XP just yet, is that ok?

I kept using an old xp netbook beyond the point of reason even upgrading the ram to try to improve performance. The money isn't the issue I was just determined to keep using it. Eventually I gave up and switched to a chromebook for web browsing and a win 7 desktop for circumstances where I must use msft software. I am saving time and will find a more productive hobby.
by ataloss
Sat Mar 15, 2014 8:05 am
Forum: Personal Consumer Issues
Topic: Used $35k Porsche on $64k income?
Replies: 95
Views: 11590

Re: Used $35k Porsche on $64k income?

G-Money wrote:That's a lot of money for a used car. But to each his or her own.
exactly. I wouldn't do it but it would be interesting to hear how it works out for him :D
by ataloss
Sat Mar 15, 2014 8:04 am
Forum: Personal Consumer Issues
Topic: Used $35k Porsche on $64k income?
Replies: 95
Views: 11590

Re: Used $35k Porsche on $64k income?

G-Money wrote:That's a lot of money for a used car. But to each his or her own.
exactly. I wouldn't do it but it would be interesting to hear how it works out for him :D
by ataloss
Sat Mar 08, 2014 7:18 am
Forum: Personal Consumer Issues
Topic: Considering moving to Oregon
Replies: 71
Views: 12900

Re: Considering moving to Oregon

max state income tax rate in OR is 11% vs Michigan 4.35%. Big difference to me (also a job opportunity issue) Although the per capita tax burden in the two states is similar the lack of sales tax means that oregon has to make it up elsewhere.

Oregon is fine but I lived on the coast and it seemed to me like customer service at retail places was poor.
by ataloss
Sat Mar 08, 2014 7:03 am
Forum: Personal Consumer Issues
Topic: Cheap reading for a senior - Kindle or regular books?
Replies: 43
Views: 4486

Re: Cheap reading for a senior - Kindle or regular books?

does she have wifi at home? I am wondering how she loads the books on to the kindle. Thinking of a senior who has no home wifi for whom driving to the library (or McDonalds/Starbucks) would be a burden.
by ataloss
Fri Feb 21, 2014 6:07 pm
Forum: Personal Consumer Issues
Topic: Attic Retrofit: Spray Foam Insulation [Updated w Images]
Replies: 50
Views: 9838

Re: Attic Retrofit: Spray Foam Insulation [Updated w Images]

The pictures help. It looks tough. I wouldn't want you to level the house but if there is a central duct rising from the basement to the attic I was thinking that there might be a way to tap in to it in multiple spots on the first and second floor to have short runs of vents to living areas, abandoning the original ducts. Maybe a contractor has done this? Sealing and insulating the attic ducts might be the best you can do. I think R6 to R11 per energy star.

http://www.energystar.gov/ia/home_impro ... S_2005.pdf

although all ducts leak, attic leaks result in more energy loss

http://apps1.eere.energy.gov/buildings/ ... ystems.pdf
by ataloss
Wed Feb 19, 2014 9:08 pm
Forum: Personal Consumer Issues
Topic: Attic Retrofit: Spray Foam Insulation [Updated w Images]
Replies: 50
Views: 9838

Re: Attic Insulation Retrofit: Spray Foam Insulation

Can you just use spray foam and wood to keep heat from leaking into the attic from around the column? That part would seem like a diy project.

Can you move the ducts to conditioned space i.e. second floor? (not diy)

Here is a picture from energy.gov about insulating attic ducts
http://energy.gov/energysaver/articles/tips-air-ducts

and another explaining why you insulate the attic floor and not the rafters
http://www.michiganenergyoptions.org/co ... ate-attics
by ataloss
Wed Feb 19, 2014 8:17 pm
Forum: Personal Consumer Issues
Topic: Downsizing: Single home to a condo
Replies: 20
Views: 2547

Re: Downsizing: Single home to a condo

nice twin house!

OP, you might be done with major repairs for a while.I would hang on
by ataloss
Tue Feb 18, 2014 8:09 pm
Forum: Personal Consumer Issues
Topic: Good Idea to Sell Old Home To Upgrade To Newer Home?
Replies: 33
Views: 3344

Re: Good Idea to Sell Old Home To Upgrade To Newer Home?

The house we have now is bigger than we need now and still too big when we have kids. At least that is what we expect based on the average sized houses we were brought up in. If we were to move to a smaller home, we would want a 3br/2ba, so two kids could have their own bedrooms, if a third kid shows up then he will just have to bunk with one of the others
Same situation here but I couldn't figure out how to save money moving from a 4 to a 3 bedroom house after considering transaction costs including my time.
by ataloss
Thu Nov 21, 2013 5:36 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Passwords
Replies: 65
Views: 10847

Re: Vanguard Passwords

I feel safe enough with the 100 quadrillion possibilities....
and they have 3 chances before they are locked out :o Still, I will increase my password length since it is stored in Keypass and I don't have to type it. Also I notice that they are advocating caps and lower case so apparently they are recognizing 52 alpha characters rather than 26.
by ataloss
Sat Oct 05, 2013 7:40 am
Forum: Personal Consumer Issues
Topic: 2007 Honda Civic, to sell or not to sell?
Replies: 57
Views: 6837

Re: 2007 Honda Civic, to sell or not to sell?

Boat Guy wrote:What would the Millionaire Next Door do? Keep it. Get the timing belt replaced and do your next assessment of keep vs sell once you get to 180K.
the 07 has a timing chain
by ataloss
Sat Oct 05, 2013 7:30 am
Forum: Personal Consumer Issues
Topic: 2007 Honda Civic, to sell or not to sell?
Replies: 57
Views: 6837

Re: 2007 Honda Civic, to sell or not to sell?

Do the statistics say that the 07 Accord is a safer car than the 07 Civic? Are you sure? Couldn't the respective groups driving these cars have just a little bit to do with it? In my neighborhood, the drivers of the Accord have to be among the most conservative and safety conscious lot there is (with the exception of maybe Volvo drivers), while the Civic is the number one tuner car going and favored by the 16-30 year old Fast and Furious crowd. Statistics seldom tell the whole story. Just sayin'... I suppose can make up whatever interpretation of the numbers you want. For 4 door sedans the driver death rate in the civic is nearly 3 times that of the accord. The multi vehicle vs single vehicle death ratios are similar. If crazy driving was ...
by ataloss
Fri Oct 04, 2013 10:53 pm
Forum: Personal Consumer Issues
Topic: 2007 Honda Civic, to sell or not to sell?
Replies: 57
Views: 6837

Re: 2007 Honda Civic, to sell or not to sell?

ESC helps drivers maintain control on curves and slippery roads. It cuts in half the risk of a fatal single-vehicle crash.
http://www.iihs.org/iihs/ratings/safety-features
The overall driver death rate for the civic 4 dr is mostly from multi vehicle crashes not necessarily affected (at least as much) by esc. If you want a safer car than the 07 civic, the 07 accord would be a good choice with a death rate of 19/million.
by ataloss
Fri Oct 04, 2013 10:14 pm
Forum: Personal Consumer Issues
Topic: 2007 Honda Civic, to sell or not to sell?
Replies: 57
Views: 6837

Re: 2007 Honda Civic, to sell or not to sell?

Just to keep things in perspective, your 2007 Civic (assuming 4-door) has a driver fatality rate of 55 per million vehicles registered. In other words, the fatality rate is tiny, and it compares extremely favorably to other cars of its size and, indeed, other cars that are much larger. If a previous poster is correct that you could drop that by 50% with a brand new Civic, I think it's still vitally important to ask yourself what that reduction is worth. To me, that change in percentage (50% less than an already miniscule rate) is worth approximately nothing, though reasonable minds could differ. good point does someone have an actual reference for the 2014 number? My 07 civic needed a starter at 115,000 but is now running fine. The most re...
by ataloss
Fri Sep 27, 2013 4:00 am
Forum: Personal Consumer Issues
Topic: Lease: Who controls master alarm code?
Replies: 3
Views: 915

Lease: Who controls master alarm code?

I am new at this but I am looking at leasing a small commercial building. The lessor wants to retain a key and control over the master alarm code. I am fine with periodic inspection of the property but hesitate to allow him unrestricted access to the building when I am not there. From time to time I will need to allow others to enter the property for me and it would be more convenient if I had the master code for the alarm and could assign them a code.

The lessor says that what he is proposing is standard. Is that so? If not is there a reference I can cite?
by ataloss
Sun Sep 22, 2013 5:59 am
Forum: Personal Consumer Issues
Topic: Self defense for student
Replies: 33
Views: 2586

Re: Self defense for student

livesoft wrote:His bike should be so crappy that no one would want to steal it.
I have heard of people repainting nicer bikes to look crappy with the idea that in a rack full of bikes the thief will pick the one that looks like if would have the best resale value
by ataloss
Sun Sep 22, 2013 5:55 am
Forum: Personal Consumer Issues
Topic: Traffic Ticket
Replies: 42
Views: 5076

Re: Traffic Ticket

chrischris wrote:Dumb cop here. Short rant before I get back to the post.

It's obvious to see many of you have had a few experiences with bad cops and are willing to generalize. OP
I am sure most police are trying to do the right thing but it isn't 100%, It make sense to get an attorney even in an absurdly weak case like this. I can see some upside in talking to the police if you think there is a case of mistaken identity (yourself or the car) but once it is clear that you aren't being dismissed you should ideally stop talking. Nothing you say can help you but it can be used against you.
by ataloss
Sat Jul 27, 2013 7:29 pm
Forum: Personal Consumer Issues
Topic: Cutting the cord on Cable
Replies: 95
Views: 14254

Re: Cutting the cord on Cable

comcast- $39.95/mo for internet no cable for me
by ataloss
Sat Jul 27, 2013 3:51 pm
Forum: Personal Consumer Issues
Topic: Cutting the cord on Cable
Replies: 95
Views: 14254

Re: Cutting the cord on Cable

Using a Magnavox DVR with over the air TV has worked great for me. We record things to watch later so there is always something to watch when the mood strikes. This and the outside antenna (installed) amount to about 6 months of cable bills. Over the last 3 years we have watched better quality programming and saved a lot.
by ataloss
Tue Jul 16, 2013 9:04 pm
Forum: Personal Consumer Issues
Topic: Roomba vacuums
Replies: 46
Views: 6842

Re: Roomba vacuums

Rob5TCP wrote:Bought one soon after they first came out. Used it several times, but became more hassle than it was worth. Last couple of years, I only bring it out when people are visiting -- as a novelty.
by ataloss
Sat Jul 13, 2013 10:16 pm
Forum: Personal Consumer Issues
Topic: Fitness Wristbands??
Replies: 13
Views: 2185

Re: Fitness Wristbands??

I am using the fitbit flex. it works fine but I agree it isn't a necessity. Wife has a fitbit one so we compete a little.