Search found 67 matches

by Pluto9th
Sat Aug 17, 2019 9:58 am
Forum: Personal Finance (Not Investing)
Topic: I really do not like using credit cards. Do any of you have a good credit score with no credit cards?
Replies: 247
Views: 6073

Re: Does anyone here have no credit cards? How is that working out for you? Do you have any trouble without them?

I work at a bank, and trust me.....our interchange on your swipes is not paying for your rewards. The revolvers are. Why would banks want non-revolvers as customers? I suppose with their existing long-term non-revolving cardholders it's not worth the ill will dropping them might generate, but why w...
by Pluto9th
Tue Aug 13, 2019 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: Are you a "solo ager?"
Replies: 133
Views: 17574

Re: Are you a "solo ager?"

Another good book: Katy Butler's "The Art of Dying Well". It isn't about solo aging specifically, but it discusses a number of practical ways to increase one's odds of having a better ending, and there are things one can do (or avoid doing) decades before the end. Though of course one can do all the...
by Pluto9th
Sun Jul 28, 2019 11:27 pm
Forum: Personal Consumer Issues
Topic: Why do my Oral-B brush heads wear out so quickly?
Replies: 16
Views: 1466

Re: Why do my Oral-B brush heads wear out so quickly?

Thank you all for the very helpful replies! It's most likely operator error. I got the brush heads at Rite Aid/Target/Walmart/Sam's Club, they can’t all be counterfeit (gosh I hope not). Tried the Rite Aid store brand once years ago and it didn’t fit the handle well. I suppose generic brush heads ar...
by Pluto9th
Sun Jul 28, 2019 6:11 pm
Forum: Personal Consumer Issues
Topic: Why do my Oral-B brush heads wear out so quickly?
Replies: 16
Views: 1466

Why do my Oral-B brush heads wear out so quickly?

I've been using Oral-B eletric toothbrush for years, most of the time using the small round brush head ("Precision Clean"). Oral-B recommends replacing the brush head every 3 months, and it always seemed that I needed to replace them much sooner than that, just from brushing twice a day, 2 minutes e...
by Pluto9th
Sun Jul 28, 2019 3:52 pm
Forum: Forum Issues and Administration
Topic: Please Try Out Test Posts Here
Replies: 274
Views: 235986

Re: Please Try Out Test Posts Here

Test posting image, following instructions in the BH wiki and using the Calculator.png:
Image
Hope it works.
by Pluto9th
Tue Jul 23, 2019 10:06 pm
Forum: Personal Consumer Issues
Topic: Uber Without Smartphone
Replies: 103
Views: 7165

Re: Uber Without Smartphone

cheese_breath, until a few years ago I also had zero interest in getting a smartphone. Then I found out that for low-volume users a smart phone plan can be quite cheap. Tracfone, $20/90 days for 180min/180mb data/180 texts, unused data keep getting rolled into the future; customer service isn't grea...
by Pluto9th
Sun Jul 07, 2019 9:55 pm
Forum: Personal Consumer Issues
Topic: Is Grass-fed milk worth it?
Replies: 82
Views: 4327

Re: Is Grass milk worth it?

You can taste the difference. For that reason alone, we get it. It is worth the $12/gallon price to us. Wait, you don't drink tiger's milk? Assuming that you were not referring to grass-fed tigers. I've only had cow's milk (plus human milk, in infancy) and vegan "milk". Wondering what alternative a...
by Pluto9th
Sun Jul 07, 2019 12:04 pm
Forum: Personal Consumer Issues
Topic: Tree fell against house. Assess possible damage?
Replies: 17
Views: 1452

Re: Tree fell against house. Assess possible damage?

Glad to hear your damage was minimal. You are lucky to have a very responsible neighbor (assuming in your state, like ours, a homeowner is generally responsible for any damage/removal costs of trees that fall from a neighbors property). We haven’t been so lucky! Yes, luckily my neighbors had acted ...
by Pluto9th
Fri Jul 05, 2019 2:15 pm
Forum: Personal Consumer Issues
Topic: Tree fell against house. Assess possible damage?
Replies: 17
Views: 1452

Re: Tree fell against house. Assess possible damage?

I should have mentioned upthread that one helpful thing I learned in a very similar situation several years ago was that if the insurance company sent an adjuster out that a claim would be initiated whether they found significant damage or not. YMMV depending upon location and insurance company. Th...
by Pluto9th
Fri Jul 05, 2019 11:19 am
Forum: Personal Consumer Issues
Topic: Tree fell against house. Assess possible damage?
Replies: 17
Views: 1452

Re: Tree fell against house. Assess possible damage?

Thank you, Yooper16, quantAndHold, Summit111. Nice to hear of other people's experience (and of positive experience with insurance company/agent). Yes, it's a smallish tree as trees go but the house is quite small so the toppled tree looked quite impressive actually. Thanks livesoft, Doom&Gloom. I d...
by Pluto9th
Fri Jul 05, 2019 7:58 am
Forum: Personal Consumer Issues
Topic: Tree fell against house. Assess possible damage?
Replies: 17
Views: 1452

Re: Tree fell against house. Assess possible damage?

:) I guess you didn't tell us that the tree trunk was only 2 inches in diameter. The trees in my yard are 2 feet in diameter. How big was this tree anyways? It's a bit less than a foot in diameter at the base, branches of around 4" where it met my house. About 17' high, the top 1/4 - 1/3 of it land...
by Pluto9th
Fri Jul 05, 2019 7:39 am
Forum: Personal Consumer Issues
Topic: Tree fell against house. Assess possible damage?
Replies: 17
Views: 1452

Re: Tree fell against house. Assess possible damage?

Thanks livesoft, Swansea and Shallowpockets. The tree has just been removed, I am not seeing obvious damage. As I said in the original post, the impact wasn't violent enough for me to notice in the midst of the storm - so does it mean one can be pretty sure there's no structural damage, or could the...
by Pluto9th
Fri Jul 05, 2019 7:09 am
Forum: Personal Consumer Issues
Topic: Tree fell against house. Assess possible damage?
Replies: 17
Views: 1452

Tree fell against house. Assess possible damage?

Neighbor's tree unrooted in storm, leaning against my house. Maybe no damage - I was in a nearby room and didn't hear or feel the impact amidst the heavy rain and wind, until I walked by the window, likely some minutes later. Neighbor is having a tree service removing the tree. I understand that any...
by Pluto9th
Tue Jul 02, 2019 10:15 pm
Forum: Personal Consumer Issues
Topic: Shower room with Window but no Exhaust Fan: Mildew Prevention
Replies: 34
Views: 2547

Re: Shower room with Window but no Exhaust Fan: Mildew Prevention

I have a humidifier in there, turn it on when showering. Very effective in keeping the room dry, and the water tank only needs to be emptied every month or two. Prior to the humidifier I used to place a twin window fan and run it as an exhaust fan, but keeping the fan in the window was letting too m...
by Pluto9th
Sun May 26, 2019 12:23 am
Forum: Personal Consumer Issues
Topic: Meaning of "high/low tolerance" in precision engineering
Replies: 12
Views: 1233

Re: Meaning of "high/low tolerance" in precision engineering

Thank you all for your replies! This is interesting, I'm learning to look at this from several different angles. :sharebeer
by Pluto9th
Sat May 25, 2019 4:26 pm
Forum: Personal Consumer Issues
Topic: Meaning of "high/low tolerance" in precision engineering
Replies: 12
Views: 1233

Meaning of "high/low tolerance" in precision engineering

I started reading Simon Winchester's "The Perfectionists - How Precision Engineerings Created the Modern World". In the book, high tolerance is positively correlated to high precision - e.g. a slipper is a thing of low tolerance since it may have "an agreed or stated amount of allowable variation in...
by Pluto9th
Tue Mar 26, 2019 10:00 pm
Forum: Personal Consumer Issues
Topic: Are independent garages cheaper than dealer?
Replies: 58
Views: 4473

Re: Are independent garages cheaper than dealer?

Dealerships don't necessarily have more competent mechanics. There are probably bad/dishonest independent shops along with good ones. I'd suggest finding an independent shop that has a reputation of being good and reasonably priced, then try it out first with a little job like an oil change, then gr...
by Pluto9th
Thu Dec 06, 2018 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 375
Views: 23363

Re: What are others paying for property taxes around the US?

670.00 per annum 1400 sq ft home Large lot. :happy You gotta love Tennessee!! If you want to live in the state ranked as the No. 8 least-educated state in the U.S. -- TN is also the 6th least healthy state -- both according to stories in the Tennessean Newspaper... Hmmmm. Good for you, Toons. TN’s ...
by Pluto9th
Fri Aug 10, 2018 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: 1024.99 for a book. Why?
Replies: 21
Views: 3526

Re: 1024.99 for a book. Why?

"Selected Nuclear Materials and Engineering Systems" (https://www.amazon.com/Selected-Nuclear-Materials-Engineering-Landolt-Börnstein/dp/3540484744/), multiple used and new copies, from $3,420 and up. Years ago on the New Yorker, Nicholson Baker, writing about the Kindle, mentioned the high price of...
by Pluto9th
Thu Jun 28, 2018 8:48 pm
Forum: Personal Consumer Issues
Topic: Anyone using Obitalk for Google Voice?
Replies: 38
Views: 7306

Re: Anyone using Obitalk for Google Voice?

The Simonics gateway to Google voice will be discontinued: see the 28 Jun announcement on https://simonics.com/news/. Those who have been using the old Obi 1xx devices connecting a regular phone to Google Voice through Simonics Gateway will need to upgrade to newer Obi devices (e.g. the Obi 200).
by Pluto9th
Sun May 13, 2018 1:38 pm
Forum: Personal Consumer Issues
Topic: Google Voice voicemail via email: recent changes?
Replies: 8
Views: 1602

Re: Google Voice voicemail via email: recent changes?

Are you clicking on the Request Desktop Site? The voicemail I checked was on April 6. I just did a test, and it worked for me using my iPad/Safari (iOS 11.2.5, but that should matter too much). .... BTW, are you having same issue with Firefox on desktop? No, I didn't actually "Request Desktop Site"...
by Pluto9th
Sat May 12, 2018 8:03 pm
Forum: Personal Consumer Issues
Topic: Google Voice voicemail via email: recent changes?
Replies: 8
Views: 1602

Re: Google Voice voicemail via email: recent changes?

I just looked at this. It's one of those mobile vs desktop issues. If I Request Desktop Site ( https://www.imore.com/how-request-desktop-version-website-your-iphone-or-ipad ), I can still play the messages in the browser. Hmm, that does not work here. The "PLAY MESSAGE" button in the email has a li...
by Pluto9th
Sat May 12, 2018 4:46 pm
Forum: Personal Consumer Issues
Topic: Anyone using Obitalk for Google Voice?
Replies: 38
Views: 7306

Re: Anyone using Obitalk for Google Voice?

upgrade to a 200 series.. they announced a while ago the 100 series was end of life, then google changed something as well.. https://forums.redflagdeals.com/google-voice-xmpp-support-ends-obi100-110-ata-users-2139232/ OP: note that the link above also mentions the $5.99 solution (one-time fee, you ...
by Pluto9th
Sat May 12, 2018 4:26 pm
Forum: Personal Consumer Issues
Topic: Google Voice voicemail via email: recent changes?
Replies: 8
Views: 1602

Re: Google Voice voicemail via email: recent changes?

Thanks to fortfun and stinkycat for the Chrome suggestion. I tried it on a desktop and a laptop, and it seemed to work - the voicemail can play directly and can be downloaded as voicemail.mp3. It doesn't seen to work on iOS devices (iPad or iPhone). On iOS, the recipient of the forwarded voicemail w...
by Pluto9th
Thu May 10, 2018 4:25 pm
Forum: Personal Consumer Issues
Topic: Google Voice voicemail via email: recent changes?
Replies: 8
Views: 1602

Google Voice voicemail via email: recent changes?

Has anyone else seen a change in Google Voice voicemail message starting about 1-2 months ago? I have "get voicemail via email" in my Settings, and in the past when a voicemail came in through email, I could just hit 'play message', and a browser window (Safari on iPad/iPhone; Firefox on desktop com...
by Pluto9th
Mon Apr 02, 2018 12:56 am
Forum: Personal Finance (Not Investing)
Topic: IRS free fillable form: confirmation of scheduled withdrawal?
Replies: 7
Views: 806

Re: IRS free fillable form: confirmation of scheduled withdrawal?

By paying on 14th of April instead of 7th, I'm saving ... ~15¢ in interest :P
by Pluto9th
Sun Apr 01, 2018 11:36 am
Forum: Personal Finance (Not Investing)
Topic: IRS free fillable form: confirmation of scheduled withdrawal?
Replies: 7
Views: 806

Re: IRS free fillable form: confirmation of scheduled withdrawal?

Thanks for the replies. I checked my efile status on the IRS site and it just said that the return has been accepted, be sure to pay before the deadline if there is any tax due, and refund info can be found at ... Alas Get Refund Status is not set up for a dual-purpose check - it requires the expect...
by Pluto9th
Sun Apr 01, 2018 12:05 am
Forum: Personal Finance (Not Investing)
Topic: IRS free fillable form: confirmation of scheduled withdrawal?
Replies: 7
Views: 806

IRS free fillable form: confirmation of scheduled withdrawal?

At the end of e-filing of fed tax using free fillable form, I picked the option of having the balance due drawn from a checking account on 14 Apr, but did not print out/screen-capture the page when it was done, assuming that the info would be included in the filing summary. It wasn't. Is there a way...
by Pluto9th
Fri Mar 09, 2018 9:52 pm
Forum: Personal Consumer Issues
Topic: Books that have actually changed your life, in a way.
Replies: 172
Views: 20369

Re: Books that have actually changed your life, in a way.

Bertrand Russell’s Autobiography and Conquest of Happiness.
Patrick O’Brian’s Aubrey-Maturin series.
Richard Dana’s Two Years Before the Mast.
Oh, when I got my first car (a horrible crate), Deanna Sclar‘s Auto Repair for Dummies. I wonder if that was the very first “for dummies” book.
by Pluto9th
Fri Mar 09, 2018 9:22 pm
Forum: Personal Consumer Issues
Topic: What do you pay for your phone/cable/internet? REAL total with tax?
Replies: 48
Views: 4227

Re: What do you pay for your phone/cable/internet? REAL total with tax?

What is a PEG fee? Public, Educational & Government access. Mainly Public TV, I assume. $50/mo all inclusive for Verizon Fios internet; Google Voice with an Obi device; $7/month Tracfone (have wi-fi nearly all the time so 180MB/90day data is sufficient). So, $57/month. Have a TV antenna and Apple T...
by Pluto9th
Mon Mar 05, 2018 7:29 am
Forum: Personal Consumer Issues
Topic: Annotating locked pdfs
Replies: 13
Views: 1239

Re: Annotating locked pdfs

At a minimum, is there a way to save a pdf which currently has all properties set as 'not allowed,' to at least allow commenting (e.g. highlighting, or drawing boxes around sections, or adding notes in the margins with the typewriter function), and copying sections of text so you don't have to type...
by Pluto9th
Sun Feb 11, 2018 8:32 pm
Forum: Personal Consumer Issues
Topic: Can I track a friend's trip on my Windows computer?
Replies: 12
Views: 1710

Re: Can I track a friend's trip on my Windows computer?

Would like to be able to use the phone with Android Auto at the same time, but it looks like Android Auto pre-empts the phone and cannot also run the Glympse app at the same time. What if you set up the Glympse sharing, then leave it running in the background while connecting to Android Auto? I hav...
by Pluto9th
Sun Feb 11, 2018 4:21 pm
Forum: Personal Consumer Issues
Topic: Can I track a friend's trip on my Windows computer?
Replies: 12
Views: 1710

Re: Can I track a friend's trip on my Windows computer?

Only thing I've noticed so far is that it defaults to 15 minutes of sharing location and you have to tediously increase that in 15-minute intervals. I'd like to be able to more directly select the time; usually it would be about 12 hours to allow viewing location during the full day of travel. To q...
by Pluto9th
Sun Feb 11, 2018 12:17 am
Forum: Personal Consumer Issues
Topic: Can I track a friend's trip on my Windows computer?
Replies: 12
Views: 1710

Re: Can I track a friend's trip on my Windows computer?

Have your friend install the "glympse" app on his phone and send you a glympse invite by email, specifying a length of time the glympse is valid for (I think the maximum is 12 hours at a time). You should be able to see his location/movement on your web browser without having to do anything special ...
by Pluto9th
Sun Jan 21, 2018 11:29 pm
Forum: Personal Finance (Not Investing)
Topic: Going to one income-seeking testimonials
Replies: 101
Views: 6894

Re: Going to one income-seeking testimonials

I currently make a little over 108k, plus the possibility of 15k bonus (or 15% of current salary). BradJ, That is not low six figures income as per my comprehension. In any case, Roth 401K still may not make sense. You should max up 2 X 5.5K = 11K of Roth IRA instead of Roth 401K if you want to put...
by Pluto9th
Tue Dec 05, 2017 1:47 am
Forum: Personal Consumer Issues
Topic: housing for in-laws
Replies: 48
Views: 4493

Re: housing for in-laws

.... so this is more like year 5. This is just the longest continuous stretch and why I have hit my limit. .... Honestly we know people in the same situation who do #3 (separate condo), I think the resistance is just based on them thinking it is too expensive, but the alternatives are no cheaper (f...
by Pluto9th
Sun Oct 22, 2017 10:52 pm
Forum: Personal Consumer Issues
Topic: "Getting Things Done" Kindle book currently $1.99
Replies: 3
Views: 959

"Getting Things Done" Kindle book currently $1.99

Just bought the 2015 edition of David Allen's "Getting Things Done", Kindle version, for $1.99. I bought the paper version of an earlier edition years ago. Maybe the Kindle version will finally get me organized :|
by Pluto9th
Tue Oct 03, 2017 7:08 am
Forum: Personal Consumer Issues
Topic: Is it a waste of money having your furnace checked every year?
Replies: 75
Views: 11309

Re: Is it a waste of money having your furnace checked every year?

Assuming having the HVAC system checked every year or every 2-3 years is a good idea (for gas furnace. I imagine an electric furnace needs less maintenance while an oil system needs more), why can't there be a combined heating/cooling systems check? Can't check the A/C when it's too cold, but the fu...
by Pluto9th
Wed Sep 27, 2017 12:30 am
Forum: Personal Consumer Issues
Topic: Looking for Quality Landline Phone Manufacturer
Replies: 14
Views: 1788

Re: Looking for Quality Landline Phone Manufacturer

AT&T - can't vouch for current models, but the batteries in the two handsets of my AT&T cordless phone/answerer (circa 2007) lasted 9 years before needing replacement. The battery of an earlier AT&T cordless phone lasted 15-16 years (it got very little use near the end, so the battery could have nee...
by Pluto9th
Mon Aug 14, 2017 10:48 pm
Forum: Personal Consumer Issues
Topic: ipad or tablet for hospital?
Replies: 34
Views: 3862

Re: ipad or tablet for hospital?

An elderly family member was in hospital/rehab for weeks recently and found her ipad mini a great way to keep in touch with outside world (keep up with news and contact with friends/family). Also it was a good conversation opener with the facility's staff she came in contact with. If the patient is ...
by Pluto9th
Tue Aug 08, 2017 12:40 am
Forum: Personal Consumer Issues
Topic: Car Depreciation As Reason to Get A New Car
Replies: 34
Views: 4653

Re: Car Depreciation As Reason to Get A New Car

The way to avoid big depreciation is to buy a good late model low mileage (and I prefer CPO [certified w/warranty]) car instead of new. ... Depreciation most often is super-steep in the first few years and then levels off a lot. A 7 year old car is not much more expensive than a 9 year old one. A 1...
by Pluto9th
Thu Aug 03, 2017 8:27 pm
Forum: Personal Investments
Topic: wedding fund
Replies: 24
Views: 2902

Re: wedding fund

I have 2 small daughters, and I've been putting aside about $500/mo for their weddings in the distant future. I heard of this before saving for a wedding. But you are saving for the unknown. If it turns out you don't need the money yourself along the way, you can hand the funds to each daughter whe...
by Pluto9th
Sat Jul 22, 2017 1:39 am
Forum: Personal Consumer Issues
Topic: Books not to read.
Replies: 155
Views: 17964

Re: Books not to read.

Anything by Thomas Friedman. However, if he can provoke Matt Taibbi to review him again, then I hope he'll keep writing. Anything by F. Scott Fitzgerald. Unfortunately I've now read all his novels and found them all insufferable. Are all Victorian English novels bloated messes? That's my impression ...
by Pluto9th
Mon Jul 17, 2017 9:44 pm
Forum: Personal Consumer Issues
Topic: Books not to read.
Replies: 155
Views: 17964

Re: Books not to read.

Taylor Larimore wrote:
Books not to read.
Wricha:

Any investment book that promises to "beat the market."

Best wishes
Taylor
Does that include "One Up on Wall Street"? :?
Oh, a search yields this thread from 2014: viewtopic.php?t=146294
I should go read through it.
by Pluto9th
Thu Jul 13, 2017 1:00 am
Forum: Personal Consumer Issues
Topic: Best way to buy a iPAD
Replies: 13
Views: 2050

Re: Best way to buy a iPAD

Check out http://prices.appleinsider.com/ipad. Prices change frequently. Sometimes there is a large discount for a specific color among the same model iPads.
by Pluto9th
Thu Apr 06, 2017 9:16 pm
Forum: Personal Consumer Issues
Topic: Amazon Fire HD 10" tablet
Replies: 8
Views: 1311

Re: Amazon Fire HD 10" tablet

Well, that would mean taking a walk on the dark side for me. We have zero Apple products. I do have some Apple stock I bought when it faded last year. But, no, I don't see myself buying any Apple products, given our household is full of PCs and Amazon products. :D Good for you, Broken Man. It was j...
by Pluto9th
Sat Apr 01, 2017 4:21 pm
Forum: Personal Investments
Topic: Andrew Tobias's "The only investment guide you'll ever need" $2.99 on Kindle
Replies: 4
Views: 1396

Re: Andrew Tobias's "The only investment guide you'll ever need" $2.99 on Kindle

lazyday wrote:
If you're willing to split into four, TIPS and nominal Treasuries are different assets that behave differently. Owning both provides diversification.
....
Thanks much for the great explanation/ideas, lazyday! It's time for me to hit the books (or at least hit that one book) again ...
by Pluto9th
Fri Mar 31, 2017 11:16 pm
Forum: Personal Investments
Topic: Andrew Tobias's "The only investment guide you'll ever need" $2.99 on Kindle
Replies: 4
Views: 1396

Andrew Tobias's "The only investment guide you'll ever need" $2.99 on Kindle

I first bought the 2005 edition in paperback, it prompted me to start in Vanguard index funds. Just noticed that the Kindle version of the 2016 edition is now $2.99, so I decided to update my old book. For the really lazy and unsophisticated investor like me, in 2005 he recommended to split one's in...
by Pluto9th
Wed Mar 08, 2017 12:08 am
Forum: Personal Finance (Not Investing)
Topic: Transferring a maturing CD to a different e-bank?
Replies: 5
Views: 1428

Re: Transferring a maturing CD to a different e-bank?

I would follow your original plan. If you do that, the transfer to Bank C is one clean transaction. Then, the transfer from Bank C to Bank B is another clean transaction. If you try to go directly from Bank A to Bank B, you are combining a withdrawal from one bank with a deposit at another bank, ne...
by Pluto9th
Tue Mar 07, 2017 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Transferring a maturing CD to a different e-bank?
Replies: 5
Views: 1428

Re: Transferring a maturing CD to a different e-bank?

Thanks Kevin M. It is a regular (non-IRA) CD, i should have specified that. Also, I don't have non-CD accounts (e.g. checking) at either Bank A or B, which seems to make the transfer trickier. My original (dumber) plan was to instruct Bank A to transfer the matured CD to Bank C, where i do have a ch...