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by michaeljc70
Thu Nov 16, 2017 3:28 pm
Forum: Personal Consumer Issues
Topic: Has used furniture dropped in value dramatically?
Replies: 92
Views: 5777

Re: Has used furniture dropped in value dramatically?

People want used furniture for practically free. The exception is well known, high cost, long established brands (also maybe very old, quality pieces). Even for those, as others have alluded to, the market is diminishing. A friend used to buy Baker and Henredon used and could often not loose much if...
by michaeljc70
Wed Nov 15, 2017 1:44 pm
Forum: Personal Consumer Issues
Topic: Flying first class, business, versus economy.
Replies: 182
Views: 15807

Re: Flying first class, business, versus economy.

I am not sure at what salary point I would need to be at in order to pay 5-10 times the price of coach to fly first class. We only fly Business/First for leisure travel, for the past 4-5 years now. We've never paid, nor even seen a 5-10x multiple. Most of the time it's around 2x. Now granted, we ha...
by michaeljc70
Wed Nov 15, 2017 12:32 pm
Forum: Personal Consumer Issues
Topic: Flying first class, business, versus economy.
Replies: 182
Views: 15807

Re: Flying first class, business, versus economy.

The topic is really about whether it is worth spending the money to fly first class or business versus economy. I don't think anyone is going to fly economy instead of first class (or private) if your company pays for it.
by michaeljc70
Wed Nov 15, 2017 11:22 am
Forum: Personal Consumer Issues
Topic: Chromebook/Similar for Elderly Dad
Replies: 30
Views: 1638

Re: Chromebook/Similar for Elderly Dad

I would recommend this one.... https://www.amazon.com/HP-Performance-Chromebook-BrightView-Processor/dp/B0759JXK2H/ref=sr_1_4?s=pc&ie=UTF8&qid=1510760305&sr=1-4&keywords=hp+chromebook+14 It is not particularly small or light but I'm assuming it would not be used for travel. It has a large 14" scree...
by michaeljc70
Wed Nov 15, 2017 10:50 am
Forum: Personal Consumer Issues
Topic: Chromebook/Similar for Elderly Dad
Replies: 30
Views: 1638

Re: Chromebook/Similar for Elderly Dad

An iPad has a small screen...unless you buy the iPad pro 12.9" which is still not that big of a screen and costs almost a $1000. Not ideal for an elderly person IMO.
by michaeljc70
Wed Nov 15, 2017 10:24 am
Forum: Personal Consumer Issues
Topic: Creating External Exhaust for Microwave over Range - Need Reality Check
Replies: 26
Views: 1970

Re: Creating External Exhaust for Microwave over Range - Need Reality Check

I agree with the suggestions to get a real vent hood and relocate the microwave. You are not going to get a powerful fan with a microwave. You can get pretty decent range hoods that recirculate and have carbon filters if you don't want to make a hole in the side of your house. Look at the CFMs which...
by michaeljc70
Mon Nov 13, 2017 9:45 am
Forum: Personal Consumer Issues
Topic: Flying first class, business, versus economy.
Replies: 182
Views: 15807

Re: Flying first class, business, versus economy.

I always fly economy. That's part of the travel. You know what I do when the economy seat gets tough. I think of crossing the Altantic in a boat, like the Pilgrims. I think of crossing the country in a wagon train. I think of all those who have gone before me in their travels in much tougher means ...
by michaeljc70
Mon Nov 13, 2017 9:40 am
Forum: Personal Consumer Issues
Topic: Best way to sell house contents
Replies: 19
Views: 2413

Re: Best way to sell house contents

Craigslist will most likely be a long, drawn out process. There are a lot of flakes that say they are coming and how bad they want something (they may have not even seen). They want everything cheap. I had a newer coffee table that was $1k. I moved and didn't need it anymore. Perfect condition. I li...
by michaeljc70
Mon Nov 13, 2017 9:31 am
Forum: Personal Consumer Issues
Topic: Chromebook/Similar for Elderly Dad
Replies: 30
Views: 1638

Re: Chromebook/Similar for Elderly Dad

Depending their eyesight, I don't think they necessarily need a bigger, separate monitor. There are many accessibility options for larger fonts, zooming in, etc. If their eyesight is marginal, I would just opt towards the larger size screen- like 14,15"- instead of 10-13". My eyesight isn't that gre...
by michaeljc70
Sun Nov 12, 2017 2:42 pm
Forum: Personal Consumer Issues
Topic: Chromebook/Similar for Elderly Dad
Replies: 30
Views: 1638

Re: Chromebook/Similar for Elderly Dad

If you get a Chromebook, I would get one that can use Android apps.
by michaeljc70
Sun Nov 12, 2017 2:40 pm
Forum: Personal Consumer Issues
Topic: Frontier Flight Fees
Replies: 17
Views: 1132

Re: Frontier Flight Fees

I'm flying to Florida on Spirit this week. It was a similar kind of thing. The flight for 2 people was like $120. After taxes, baggages fees, etc. it came to around $420. That was still less than the $650 United wanted. Since it is less than a 3 hour flight, I only paid the baggage fee and will deal...
by michaeljc70
Sun Nov 12, 2017 2:23 pm
Forum: Personal Consumer Issues
Topic: Chromebook/Similar for Elderly Dad
Replies: 30
Views: 1638

Re: Chromebook/Similar for Elderly Dad

I saw a couple good deals in the Costco Holiday flyer. I am sure many retailers will have Chromebooks on sale. I have an Acer Chromebook and am very happy with it. Costco has 2 Acers in the flyer. One is a 12" and one is a 14". They are both $200. I have a Windows laptop as well, but the Chromebook ...
by michaeljc70
Sun Nov 12, 2017 10:48 am
Forum: Investing - Theory, News & General
Topic: Selling all equities, discuss why I'm wrong. :)
Replies: 260
Views: 34916

Re: Selling all equities, discuss why I'm wrong. :)

Someone mentions the OP is in his 30's!? That's a cautious 30-something. What do you do for a living? Risk management? I just can't fathom a young person being 100% out of the market. 50% maybe but history has been kind to those who invest and that history is pretty long. Obviously things could cha...
by michaeljc70
Sun Nov 12, 2017 10:27 am
Forum: Personal Consumer Issues
Topic: Flying first class, business, versus economy.
Replies: 182
Views: 15807

Re: Flying first class, business, versus economy.

Curious about how many of the people that are willing to spend thousands more on a seat would be willing to buy a 5k watch? :) Choosing to fly anything other than economy is going to show the split in bogleheads between the high earners for whom spending a couple thousand bucks is reasonable and th...
by michaeljc70
Sat Nov 11, 2017 10:44 pm
Forum: Personal Consumer Issues
Topic: Worth changing 40 gal. to 30gal. hot water tank?
Replies: 90
Views: 4623

Re: Worth changing 40 gal. to 30gal. hot water tank?

I have a 40 and am going to a 30 once mine wears out. I can save about $100 a year. I should have done it a long time ago but I hate to get rid of something that is working. My father once ran a duplex on one 30 gallon tank. Remember the key is timing. Since he lived in the other half. He just note...
by michaeljc70
Sat Nov 11, 2017 10:42 pm
Forum: Personal Consumer Issues
Topic: Flying first class, business, versus economy.
Replies: 182
Views: 15807

Re: Flying first class, business, versus economy.

I always fly economy. That's part of the travel. You know what I do when the economy seat gets tough. I think of crossing the Altantic in a boat, like the Pilgrims. I think of crossing the country in a wagon train. I think of all those who have gone before me in their travels in much tougher means ...
by michaeljc70
Sat Nov 11, 2017 10:15 pm
Forum: Personal Consumer Issues
Topic: Worth changing 40 gal. to 30gal. hot water tank?
Replies: 90
Views: 4623

Re: Worth changing 40 gal. to 30gal. hot water tank?

I have a 40 and am going to a 30 once mine wears out. I can save about $100 a year. I should have done it a long time ago but I hate to get rid of something that is working. My father once ran a duplex on one 30 gallon tank. Remember the key is timing. Since he lived in the other half. He just note...
by michaeljc70
Sat Nov 11, 2017 10:05 pm
Forum: Personal Consumer Issues
Topic: Best way to sell house contents
Replies: 19
Views: 2413

Re: Best way to sell house contents

We have been going through this with my Grandfather passing away recently. I don't know what kind of stuff you have, but people don't want to pay much for anything used. If you have well known, desirable furniture, you might have some luck. I am talking Baker, Henredon, Steinway piano, etc. Otherwis...
by michaeljc70
Sat Nov 11, 2017 9:52 pm
Forum: Personal Consumer Issues
Topic: DIY vs work extra and pay a pro
Replies: 37
Views: 2747

Re: DIY vs work extra and pay a pro

I didn't read through all the posts, but one thing that comes into play a lot for me is availability/cost of good workers. I wind up doing a lot of things myself because if I call 5 pros, maybe 3 will get back to me. Of that, maybe 1 or 2 will show up for a quote. Maybe I'll wind up with 1 quote. Ye...
by michaeljc70
Sat Nov 11, 2017 11:27 am
Forum: Personal Consumer Issues
Topic: Eliminating Ads on Samsung Tablet
Replies: 4
Views: 390

Re: Eliminating Ads on Samsung Tablet

It is probably from an app you installed. I've owned several Samsung tablets and never had that from the tablet itself.
by michaeljc70
Sat Nov 11, 2017 11:25 am
Forum: Personal Consumer Issues
Topic: Tipping for restaurants where you order at the counter
Replies: 106
Views: 10141

Re: Tipping for restaurants where you order at the counter

Here's an ethical question for y'awl. If you get a meal during a restaurant promotion at a seriously, deeply discounted price (second entree for free, for example)--do you tip on the actual discounted price or the regular non-discounted price? The pre-discount price of course. The server's work is ...
by michaeljc70
Sat Nov 11, 2017 11:03 am
Forum: Personal Consumer Issues
Topic: Thoughts about wearing a "uniform"/same thing everyday?
Replies: 120
Views: 7088

Re: Thoughts about wearing a "uniform"/same thing everyday?

I rotate through this the same 6-8 work shirts. I’m don’t have to think about it in the morning (grab next shirt from “work shirt” area of closet) but I’m also not the guy who wears the same thing every day. Shopping is also easy - go once a year and buy another 4-8 shirts Exactly. I think people a...
by michaeljc70
Fri Nov 10, 2017 9:37 pm
Forum: Personal Consumer Issues
Topic: Thoughts about wearing a "uniform"/same thing everyday?
Replies: 120
Views: 7088

Re: Thouhgts about wearing a "uniform"/same thing everyday?

I've read some, but not all of the posts. If you think appearance plays no role in career advancement, I think you are mistaken. There may be exceptions, and it may be on the margins, but it is still there.
by michaeljc70
Fri Nov 10, 2017 9:17 pm
Forum: Personal Consumer Issues
Topic: 450,000 American Airlines MILES gifted to me - how to book
Replies: 25
Views: 2285

Re: 450,000 American Airlines gifted to me - how to book

I'm pretty sure logging in to the Uncle's account is fraud and would have unpleasant consequences if detected. The normal procedure is that the holder of the points books the tickets for the people he wants to buy tickets for. You don't just call up the airline and book a ticket using someone else'...
by michaeljc70
Fri Nov 10, 2017 8:58 pm
Forum: Personal Consumer Issues
Topic: Thoughts about wearing a "uniform"/same thing everyday?
Replies: 120
Views: 7088

Re: Thouhgts about wearing a "uniform"/same thing everyday?

I just don't see how it is complicated to have a few pair of jeans and different colored polos. Your response is quite different from FedGuy's above. Do you mean that all guys are not the same? Victoria I guess. lol I would think if you hate to shop, you could at least buy the same brand polo in a ...
by michaeljc70
Fri Nov 10, 2017 8:55 pm
Forum: Personal Consumer Issues
Topic: Flying first class, business, versus economy.
Replies: 182
Views: 15807

Re: Flying first class, business, versus economy.

I have flown both first class, business class and economy many times overseas. I have only flown non-economy if it was free or basically free (friend in the industry). I think many people fly business class for prestige more than comfort, though there is no doubt it is more comfortable. I don't care...
by michaeljc70
Fri Nov 10, 2017 8:46 pm
Forum: Personal Consumer Issues
Topic: Thoughts about wearing a "uniform"/same thing everyday?
Replies: 120
Views: 7088

Re: Thouhgts about wearing a "uniform"/same thing everyday?

I just don't see how it is complicated to have a few pair of jeans and different colored polos. I mean, pretty much any polo would match jeans. I think if you are a genius/billionaire people will let it slide (or even envy it), but otherwise it looks lazy and/or like you have no imagination and/or y...
by michaeljc70
Fri Nov 10, 2017 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 468
Views: 56102

Re: Quicken's future direction - a cause for concern

So, deluxe is now $89 at Amazon for 27 months. Since I'm on 2016, I'm debating just waiting a few years until it expires and then switching, or switch now for that price. When will 2016 sunset? You can buy 2017 Deluxe for less than $20. https://www.thepcconnectstorellc.com/products/taxact-2016-stat...
by michaeljc70
Fri Nov 10, 2017 1:01 pm
Forum: Personal Consumer Issues
Topic: 450,000 American Airlines MILES gifted to me - how to book
Replies: 25
Views: 2285

Re: 450,000 American Airlines gifted to me - how to book

I'll add that if you don't travel or are not able to use them to travel, you can use them for other things. I get catalogs for merchandise all the time. You can redeem miles for things from a Weber Genesis grill to an iPad. Generally, I think you are better off using them for expensive air travel, b...
by michaeljc70
Fri Nov 10, 2017 12:46 pm
Forum: Personal Consumer Issues
Topic: Worth changing 40 gal. to 30gal. hot water tank?
Replies: 90
Views: 4623

Re: Worth changing 40 gal. to 30gal. hot water tank?

I don't believe a blanket provides any benefit on newer hot water heaters. My hot water heater isn't even warm to the touch. They are very well insulated now. My parents had a blanket on their hot water heater 40 years ago though. You maybe correct, but I had 2 tanks replaced around 4 years ago and...
by michaeljc70
Fri Nov 10, 2017 12:00 pm
Forum: Personal Consumer Issues
Topic: Worth changing 40 gal. to 30gal. hot water tank?
Replies: 90
Views: 4623

Re: Worth changing 40 gal. to 30gal. hot water tank?

I don't believe a blanket provides any benefit on newer hot water heaters. My hot water heater isn't even warm to the touch. They are very well insulated now. My parents had a blanket on their hot water heater 40 years ago though.
by michaeljc70
Fri Nov 10, 2017 11:57 am
Forum: Investing - Theory, News & General
Topic: Selling all equities, discuss why I'm wrong. :)
Replies: 260
Views: 34916

Re: Selling all equities, discuss why I'm wrong. :)

I hear a lot of talk about CAPE. I know it was devised by a professor, but I am skeptical of determining valuations using 10 year old earnings. I understand the concept, but think 10 years is too long of a time frame. I certainly wouldn't be market timing using CAPE.
by michaeljc70
Fri Nov 10, 2017 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 468
Views: 56102

Re: Quicken's future direction - a cause for concern

So, deluxe is now $89 at Amazon for 27 months. Since I'm on 2016, I'm debating just waiting a few years until it expires and then switching, or switch now for that price. When will 2016 sunset? You can buy 2017 Deluxe for less than $20. https://www.thepcconnectstorellc.com/products/taxact-2016-stat...
by michaeljc70
Fri Nov 10, 2017 11:27 am
Forum: Personal Consumer Issues
Topic: Tankless Water Heaters
Replies: 10
Views: 899

Re: Tankless Water Heaters

I have a friend who has a whole-house gas-fired tankless water heater. She likes it, except that it is a long way from her kitchen, and might not come on if she only wants a trickle of hot water (tankless units need a minimum flow rate to start heating). So she had a mini-tank electric water heater...
by michaeljc70
Fri Nov 10, 2017 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 328
Views: 34270

Re: Did you tell anyone you paid off your mortgage?

Maybe I would tell a very close friend or family member. I wouldn't be advertising it though. People might draw inferences that might not be accurate. I paid cash for my last place (due to not being able to get a mortgage due to not being employed). I didn't go around telling people, but some people...
by michaeljc70
Fri Nov 10, 2017 10:30 am
Forum: Personal Consumer Issues
Topic: Worth changing 40 gal. to 30gal. hot water tank?
Replies: 90
Views: 4623

Re: Worth changing 40 gal. to 30gal. hot water tank?

I have a 40 and am going to a 30 once mine wears out. I can save about $100 a year. I should have done it a long time ago but I hate to get rid of something that is working. My father once ran a duplex on one 30 gallon tank. Remember the key is timing. Since he lived in the other half. He just note...
by michaeljc70
Fri Nov 10, 2017 10:26 am
Forum: Personal Consumer Issues
Topic: Tankless Water Heaters
Replies: 10
Views: 899

Re: Tankless Water Heaters

I can't comment on 110 vs 220, but what about other fixtures in that bath? Like the shower. It does take time to get hot water to my master which is 2 levels above where the water heater is. However, after taking a shower the sink gets hot pretty fast as there is hot water to the branch (or vice ver...
by michaeljc70
Fri Nov 10, 2017 10:23 am
Forum: Personal Consumer Issues
Topic: 450,000 American Airlines MILES gifted to me - how to book
Replies: 25
Views: 2285

Re: 450,000 American Airlines gifted to me - how to book

It won't be a problem. I have used my miles to get people tickets and they have done the same for me. It is particularly convenient as I have miles on American and a friend has a lot on United. One trip we took together I was able to get the tickets going there and they were able to get them coming ...
by michaeljc70
Fri Nov 10, 2017 10:16 am
Forum: Investing - Theory, News & General
Topic: Selling all equities, discuss why I'm wrong. :)
Replies: 260
Views: 34916

Re: Selling all equities, discuss why I'm wrong. :)

Not sure if anyone remembers this thread but here's a update 2+ years since I sold all equities on 9/1/15 The portfolio I probably 'should' be using: Vanguard life strategy growth: Up 28% including reinvested dividends. My model no equities portfolio: up 4% I still have no equities but my portfolio...
by michaeljc70
Thu Nov 09, 2017 11:56 am
Forum: Personal Consumer Issues
Topic: Worth changing 40 gal. to 30gal. hot water tank?
Replies: 90
Views: 4623

Re: Worth changing 40 gal. to 30gal. hot water tank?

If you have to turn up the 30 gallon higher to have enough hot water, you aren't going to save anything. I wouldn't do it. The cost savings will be minimal anyway and 40 gallons is pretty standard in the US. I have 40 now, but had a 75 at my last house because it was a larger home.
by michaeljc70
Thu Nov 09, 2017 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Having second thoughts about building up hsa
Replies: 17
Views: 1474

Re: Having second thoughts about building up hsa

Why would you choose to not pay the bills out of the HSA and then years later do so? I just don't see the point. I've never paid a bill out of my HSA over 15 years. The funds have grown nicely and I have no plans to touch it for 20 years when I go on Medicare. The tax-free growth is fantastic. You c...
by michaeljc70
Wed Nov 08, 2017 10:34 am
Forum: Personal Consumer Issues
Topic: Palma, Malta, Sicily, or Spain for winter break?
Replies: 18
Views: 1330

Re: Palma, Malta, Sicily, or Spain for winter break?

Depending on what time of winter you are going, many of those places will not be warm enough for beach going. In fact, if it is dead of winter, even in Marrakesh the average temps in Dec/Jan are 57/55. I've been to Malta, Sicily, Barcelona, Palma, Canary islands, Madrid and Portugal. If the beach is...
by michaeljc70
Tue Nov 07, 2017 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 468
Views: 56102

Re: Quicken's future direction - a cause for concern

I also noticed continued incorrect defaulting to categories, does anyone have a solution? When I updated to 2016 some of the category defaults were not what I wanted. I had to go to I think Tools memorized transactions, or something like that and delete the memorized transaction/ categorization tha...
by michaeljc70
Sun Nov 05, 2017 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Holding a mortgage for someone else - options?
Replies: 30
Views: 1842

Re: Holding a mortgage for someone else - options?

This is going back a long time, but my Great Grandmother held my parents mortgage. They had a simple agreement (a lawyer wasn't even involved). The payments were made to an account at a local bank who kept track of everything and held the deed. This was a local community bank which are hard to come ...
by michaeljc70
Sun Nov 05, 2017 9:12 am
Forum: Personal Consumer Issues
Topic: Bosch Dishwasher Recall
Replies: 2
Views: 746

Re: Bosch Dishwasher Recall

Mine falls under the recall, but I've dilly dallied about it. Does anyone know the process? Do they send you a new power cord and you have to get it installed or do they send someone to change it out?
by michaeljc70
Sun Nov 05, 2017 9:06 am
Forum: Personal Consumer Issues
Topic: Contract on Home Question
Replies: 14
Views: 872

Re: Contract on Home Question

Doesn't she have an attorney? This is a big transaction which she clearly doesn't understand. Where I live (Chicago), everyone uses an attorney for real estate transactions.
by michaeljc70
Sat Nov 04, 2017 10:57 am
Forum: Personal Consumer Issues
Topic: How much to spend for bathroom remodel with these features in LCOL area
Replies: 27
Views: 1656

Re: How much to spend for bathroom remodel with these features in LCOL area

I spent around $7500 this year for a small master gut job. I did the gutting and work myself except the tiling and patching/painting (electrical, demo, plumbing, etc). I attached a few pictures as it sounds like your bathroom might be similar in size to mine. http://fileserver.imagebucket.net/i/0000...
by michaeljc70
Sat Nov 04, 2017 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 468
Views: 56102

Re: Quicken's future direction - a cause for concern

I ordered Quicken Home & Business 2017 online for $27 shipped. The only issue is it is a physical CD or (DVD) and my laptop doesn't have a reader so I have to find a drive somewhere. I think I have a USB one somewhere... After using this a few days it seems like they changed the colors/fonts to mak...
by michaeljc70
Fri Nov 03, 2017 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Giving up on Quicken? (and expense tracking software altogether)
Replies: 52
Views: 3312

Re: Giving up on Quicken? (and expense tracking software altogether)

I use it and just bought a newer version. I use downloading of transactions to find fraud and categorize expenses. Yes, I could look at each statement carefully each month and try to remember what I bought 8 times with PayPal or Amazon and potentially find fraud 30 days later. I like getting the tr...
by michaeljc70
Fri Nov 03, 2017 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Giving up on Quicken? (and expense tracking software altogether)
Replies: 52
Views: 3312

Re: Giving up on Quicken? (and expense tracking software altogether)

I've used it 20 years and will continue to do so as long as I can. I have a lot of different accounts - well over 50, in terms of bank, credit card, investment, etc. With quicken tracking them all is pretty easy. To track that many accounts easily, are you doing one click / express web updating? No...