Search found 170 matches

by spitty
Tue Dec 11, 2018 8:50 am
Forum: Personal Consumer Issues
Topic: hotel booking
Replies: 14
Views: 914

Re: hotel booking

Thanks for the excellent ideas--yes it's for 14 days so a significant difference. Think what I'll do is book one week each way, possibly at two different places for variety (Phoenix, so many choices) and watch the "cancel" week for a better deal. I've looked at VRBO but not a huge fan anymore due to...
by spitty
Tue Dec 11, 2018 8:22 am
Forum: Investing - Help with Personal Investments
Topic: High Fee 401(k) - How to Handle?
Replies: 11
Views: 709

Re: High Fee 401(k) - How to Handle?

If these are your only choices you're pretty much hand-cuffed..and you absolutely wanna keep contributing for the tax advantage. Hopefully you're getting a match to offset the double fees. Lobbying for better choices is a great idea and certainly worth a shot; will probably go nowhere if you're in a...
by spitty
Mon Dec 10, 2018 11:19 pm
Forum: Personal Consumer Issues
Topic: hotel booking
Replies: 14
Views: 914

hotel booking

Seems like all booking sites now offer "free cancellation" rates and "non-refundable" rates, the difference being $30-50 per night. I'm six weeks out and trying to decide which rate to choose. Lots can happen in the interim including what I think is an emergency reason to cancel--if they don't agree...
by spitty
Sun Dec 09, 2018 7:54 am
Forum: Personal Consumer Issues
Topic: portable jump starters
Replies: 58
Views: 3957

Re: portable jump starters

As a refresher, here's the proper way to use jumper cables: Step 1: With both cars OFF and in "park," connect the jumper cables in the following order: Connect one red clamp to the positive (+) battery post of the "dead" battery. Connect the other red clamp to the positive (+) post of the good batte...
by spitty
Sun Dec 09, 2018 7:36 am
Forum: Personal Consumer Issues
Topic: LED light bulbs
Replies: 127
Views: 15310

Re: LED light bulbs

Just gave a bag of incandescents to Goodwill last week so they do take them. We swapped in the Costco-Feit LEDs.
by spitty
Sun Nov 25, 2018 11:05 am
Forum: Personal Consumer Issues
Topic: Car advice - new attending - what to buy?
Replies: 37
Views: 3746

Re: Car advice - new attending - what to buy?

Very impressive savings just out of training! At your income I wouldn't buy a used car, especially since you plan to keep it 'forever". AWD with all season tires works great in snow..eg Subaru and Kia as some have mentioned.
by spitty
Sun Nov 25, 2018 10:52 am
Forum: Personal Consumer Issues
Topic: Replacing TPMS stem/kit when replacing tires?
Replies: 16
Views: 1275

Re: Replacing TPMS stem/kit when replacing tires?

You shouldn't need to replace at every tire change--that is if the shop jock is careful. The $7 ones might be junk; that sounds too cheap!
by spitty
Sat Nov 24, 2018 11:31 am
Forum: Personal Consumer Issues
Topic: 1 Week vacation in February 2019, to get away from the Midwest Winter
Replies: 45
Views: 3811

Re: 1 Week vacation in February 2019, to get away from the Midwest Winter

Also from the MW, we've had a vaca home in Scottsdale the past 12 years; the last two weeks in Feb are almost always ideal weather. I can't advise on places to stay, however. There will be more traffic and probably higher prices due to spring training. To change it up, we enjoy an occasional visit t...
by spitty
Tue Nov 20, 2018 3:47 pm
Forum: Personal Consumer Issues
Topic: Recommendations for Home Printer
Replies: 41
Views: 1741

Re: Recommendations for Home Printer

If you get the HL-L2380DW it has a wifi scanner too--been superb over almost 2 years for me.
by spitty
Tue Nov 20, 2018 3:28 pm
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 109
Views: 17178

Re: Don't pay full price for SiriusXM radio

Love the idea of a virtual cc amount--gotta look into that!
by spitty
Sat Nov 17, 2018 2:26 pm
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 109
Views: 17178

Re: Don't pay full price for SiriusXM radio

My offer said the same thing--I have a 6 month post-trial renewal and they do not have my cc number.
by spitty
Sat Nov 17, 2018 7:43 am
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 109
Views: 17178

Re: Don't pay full price for SiriusXM radio

As I mentioned a few days ago, use Best Buy prepaid cards for renewals--must call an "agent" but no cc required 8-)
by spitty
Sun Nov 11, 2018 1:46 pm
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 109
Views: 17178

Re: Don't pay full price for SiriusXM radio

My free trial ends at the end of this month--I got a phone call today (didn't answer), and a mailing offering $4.99/mo for 6 months. Will they bill me? I'm not inclined to give them a credit card number that they can charge rack rate in perpetuity. You must give them a credit card number in order t...
by spitty
Sun Nov 11, 2018 1:45 pm
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 109
Views: 17178

Re: Don't pay full price for SiriusXM radio

You must give them a credit card number in order to have any kind of service after the free trial. I just renewed this week after my trial expired using prepaid cards from Best Buy, 6 months/$35.66. First tried on their website but the system "required" my cc#--even using the prepaid cards. So I ca...
by spitty
Sun Nov 04, 2018 2:53 pm
Forum: Personal Consumer Issues
Topic: Time to splurge. MB E class, BMW 5 or Audi 6?
Replies: 70
Views: 6052

Re: Time to splurge. MB E class, BMW 5 or Audi 6?

You said you're getting older so that translates to wanting more comfort and a few cool nannies too. My favorite user interface of the German cars is the BMW system, especially the overhead camera. Sweet spot for comfort and sport is the 5 series; a great all day highway car and tight handling when...
by spitty
Sun Nov 04, 2018 9:42 am
Forum: Personal Consumer Issues
Topic: Time to splurge. MB E class, BMW 5 or Audi 6?
Replies: 70
Views: 6052

Re: Time to splurge. MB E class, BMW 5 or Audi 6?

You said you're getting older so that translates to wanting more comfort and a few cool nannies too. My favorite user interface of the German cars is the BMW system, especially the overhead camera. Sweet spot for comfort and sport is the 5 series; a great all day highway car and tight handling when ...
by spitty
Thu Nov 01, 2018 9:50 am
Forum: Personal Finance (Not Investing)
Topic: How would you proceed?--car accident
Replies: 22
Views: 1816

Re: How would you proceed?--car accident

Since he was irate, he probably thinks you sped up to prevent him from getting in your lane to make his turn; this will be his only defense. So his company will take on the "no fault" fight with your side. Depends on rules and regs in your area of course. Will be interesting to see how it turns out...
by spitty
Thu Nov 01, 2018 6:52 am
Forum: Personal Finance (Not Investing)
Topic: How would you proceed?--car accident
Replies: 22
Views: 1816

Re: How would you proceed?--car accident

Since he was irate, he probably thinks you sped up to prevent him from getting in your lane to make his turn; this will be his only defense. So his company will take on the "no fault" fight with your side. Depends on rules and regs in your area of course. Will be interesting to see how it turns out ...
by spitty
Sun Oct 28, 2018 7:09 am
Forum: Personal Consumer Issues
Topic: Additional charges for kids in Las Vegas hotels
Replies: 25
Views: 2717

Re: Additional charges for kids in Las Vegas hotels

I agree with HueyLD on all the extras...there are plenty of non-strip hotels that are cheaper and without the fees. I stayed at a LaQuinta out towards Red Rocks several years ago and it was fine. And the monster strip hotels are like big cities; walk forever from your room to the lobby with crowds e...
by spitty
Sun Oct 28, 2018 6:56 am
Forum: Personal Consumer Issues
Topic: What Memberships/Subscriptions Are Most Valuable To You?
Replies: 68
Views: 4860

Re: What Memberships/Subscriptions Are Most Valuable To You?

Roboform--I've had it for at least 10 years and never had a problem
Smithsonian--excellent monthly magazine. And nice discounts at all the museum cafeterias and movie theaters. We were just in D.C. and visited most of the 17 museums + zoo. Highly recommend "A Star is Born" remake!
by spitty
Sat Oct 27, 2018 7:46 am
Forum: Personal Consumer Issues
Topic: House selling costs
Replies: 23
Views: 2181

Re: House selling costs

Yep you can't back out with $30k signed. Good neighborhood/schools will hold value if you wanna sell in a few years. I always negotiate title insurance by calling several places and playing one vs. others. "I'm buying at $540k what's your insurance cost? Acme wants $1800, can you beat that?" And lea...
by spitty
Wed Oct 03, 2018 12:42 pm
Forum: Personal Consumer Issues
Topic: Best Forums Guide!
Replies: 7
Views: 1068

Re: Best Forums Guide!

cameras: https://www.dpreview.com/ political: https://www.realclearpolitics.com/ iphone/Mac: https://forums.macrumors.com/ bicycling: https://www.bikeforums.net/forum.php chainsaw repair: https://chainsawrepair.createaforum.com/index.php dashcams: https://dashcamtalk.com/forum/ car issues: I google ...
by spitty
Sun Sep 30, 2018 10:16 am
Forum: Personal Finance (Not Investing)
Topic: 0% loan to family member
Replies: 44
Views: 2758

Re: 0% loan to family member

IRS will expect interest income reported on your dad's 1040 every year. There is a minimal rate that changes monthly, i believe found here: https://apps.irs.gov/app/picklist/list/federalRates.html We did this 7 years for my SIL who was about to be foreclosed; title company closed the deal so it's of...
by spitty
Sun Sep 30, 2018 7:52 am
Forum: Personal Finance (Not Investing)
Topic: Pay extra on mortage if I'm already maxing 401k and Roth?
Replies: 16
Views: 2339

Re: Pay extra on mortage if I'm already maxing 401k and Roth?

Depends how disciplined you are with that money not used to prepay. Will you spend more of it here and there on "stuff" rather than invest it? I didn't trust myself so stayed on a strict pre-payment plan until done; and I'd do the same again even with a rate less than 4%. It's a great feeling that f...
by spitty
Thu Sep 27, 2018 5:44 am
Forum: Personal Consumer Issues
Topic: Good flip flops
Replies: 46
Views: 3515

Re: Good flip flops

My favorite at present is Teva Katavi 2; got them from Zappos in April and they're excellent. Very thick, contoured base and have felt great since day one. I've not seen any with high arches but these are very supportive. Also tried their Langdon model and it's not as comfortable...Zappos is great o...
by spitty
Mon Sep 24, 2018 3:21 pm
Forum: Personal Consumer Issues
Topic: When is it OK to not go through car insurance after you've been hit?
Replies: 17
Views: 1937

Re: When is it OK to not go through car insurance after you've been hit?

Rupert wrote:
Sun Sep 23, 2018 10:17 am
Get a written estimate for the repairs. Give the estimate to the friend and ask her if she wants to pay cash or if she wants you to file a claim on her insurance.
this^^...can't get any easier
by spitty
Mon Sep 24, 2018 3:16 pm
Forum: Personal Consumer Issues
Topic: squeaky lock and hard to turn key
Replies: 18
Views: 1058

Re: squeaky lock and hard to turn key

Agreed not to use WD-40 or oil; I haven't used Lock-Ease but looks like a good choice. I use a garage door lube spray from our local Overhead Door dealer--used for tracks, rollers and springs. Works great on stuck locks; just spray it in the keyhole. Contains no silicon or oil.
by spitty
Mon Sep 24, 2018 9:37 am
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 231
Views: 16175

Re: iPhone XS Max

stan1 wrote:
Sun Sep 23, 2018 9:07 am
The estimated value of my 3.5 year old 6 is $70.
Check out this site--looks like $95 today: https://www.macmeanoffer.com/
by spitty
Fri Sep 21, 2018 7:34 am
Forum: Personal Consumer Issues
Topic: Need iPhone case recommendations
Replies: 19
Views: 1160

Re: Need iPhone case recommendations

Several good Youtube videos on Xs cases--I'm leaning towards Pitaka but will look at the Defender too. Been using a Spigen Tough Armor for 4 years on my 6 and dropped it many times without incident--may go that way again. If you're not aware, the bottom and camera cutouts are slightly different on t...
by spitty
Thu Sep 20, 2018 8:53 am
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 25786

Re: What is your single most expensive mistake?

Joined a country club in 1990 and paid an initiation fee of $25k with the "deal" that staying members for 3 years we'd get 1/2 back. We resigned after about 4 years due to relocation and applied for the refund. Shortly after moving we got a letter saying the ownership group had filed for bankruptcy ...
by spitty
Thu Sep 20, 2018 7:57 am
Forum: Personal Consumer Issues
Topic: auto/home insurance rates
Replies: 19
Views: 1660

Re: auto/home insurance rates

"Price optimization"...I learned this game about 5 years ago; insurance companies are masters at it and why we have to regularly shop rates. It's illegal in some states. IWe've been with an indy broker since who (apparently?) shops rates yearly. He's had us with Safeco for 3 and they've bumped rates...
by spitty
Sun Sep 16, 2018 8:04 am
Forum: Personal Consumer Issues
Topic: Should I sell my MacBook pro?
Replies: 18
Views: 1657

Re: Should I sell my MacBook pro?

Probably should sell--value will just go down the longer you wait. Apple will buy it back and instructions on wiping it clean are on their website; I bet they only give store credit and not cash. Someone recently mentioned: https://www.macmeanoffer.com/ Looks straightforward and prices (in cash) are...
by spitty
Sun Sep 16, 2018 7:53 am
Forum: Personal Consumer Issues
Topic: Rain Jacket recommendations and care
Replies: 32
Views: 2522

Re: Rain Jacket recommendations and care

https://www.backcountry.com/arc-teryx-b ... c00rz?rr=t

Here's the one I got a few years ago--not cheap but 100% dry protection and very well made. None of the Gortex products are real breathable otherwise they'd allow moisture in..my experience anyway.
by spitty
Thu Sep 13, 2018 3:46 pm
Forum: Personal Consumer Issues
Topic: I need a chainsaw to trim branches and limbs!!
Replies: 93
Views: 4479

Re: I need a chainsaw to trim branches and limbs!!

You don't have that much work on 1/2 acre that would justify a chainsaw so I'd start with a manual pole saw--mine's a Jameson 17"blade with 6' extension. It's fast and easy to use especially without the extension; about $100 from Bailey's. It has never needed sharpening and it's safe. You'll have ma...
by spitty
Fri Aug 24, 2018 8:12 am
Forum: Personal Consumer Issues
Topic: Short Term Health Insurance regulation changes - good for age 62 retirement?
Replies: 82
Views: 4639

Re: Short Term Health Insurance regulation changes - good for age 62 retirement?

You are correct nisiprius--the company was Tokio Marine and they still have an AM Best A++ rating. My first impression was health insurance one would find on Ebay! There are several choices on ehealthinsurance so each buyer needs to evaluate considering one's health, activities and company rating.
by spitty
Fri Aug 24, 2018 6:53 am
Forum: Personal Consumer Issues
Topic: Short Term Health Insurance regulation changes - good for age 62 retirement?
Replies: 82
Views: 4639

Re: Short Term Health Insurance regulation changes - good for age 62 retirement?

I bought a 6 month policy as a bridge to Medicare last year at https://www.ehealthinsurance.com/. It was cheap and high deductible, sorta like an emergency plan--luckily didn't have to use it. I had to pay a small "no ACA" penalty but that was a minor fee compared to avoiding 6 months of ridiculous ...
by spitty
Fri Aug 24, 2018 6:37 am
Forum: Personal Consumer Issues
Topic: $65K Fun Daily Driver
Replies: 112
Views: 8812

Re: $65K Fun Daily Driver

OP, if you do sell your 911tt be aware it's worth a premium since it's a 6MT which isn't made anymore. Rennlist would be a good place to start both looking at the classifieds and asking the group for a value number. Sold mine there a few years ago in 24 hrs.
by spitty
Mon Jul 30, 2018 1:37 pm
Forum: Personal Consumer Issues
Topic: Kitchen sink (faucet)
Replies: 10
Views: 992

Re: Kitchen sink (faucet)

OP--we remodeled our kitchen about 5 years ago, and having low water pressure this was my concern also. So I called Kohler tech support and they said if the aerator was too restrictive they'd send another free of charge. Turns out the faucet was (and still is) perfect out of the box. Model we have i...
by spitty
Thu Jun 14, 2018 6:49 am
Forum: Personal Consumer Issues
Topic: Documentaries to recommend?
Replies: 158
Views: 25897

Re: Documentaries to recommend?

Prohibition and Vietnam--both PBS documentary series by Ken Burns. HBO's Real Sports--we haven't missed an episode since it started.
by spitty
Tue May 29, 2018 5:11 am
Forum: Personal Consumer Issues
Topic: Near commercial level treadmill
Replies: 36
Views: 3252

Re: Near commercial level treadmill

Tacx now makes a bicycle treadmill that's uber expensive (about $9) but OP is asking about commercial grade:

https://www.youtube.com/watch?v=vVLls05qzV4

We have a Landice and it's bullet proof after 8 years.
by spitty
Tue May 29, 2018 4:56 am
Forum: Personal Consumer Issues
Topic: Best brand of appliances for new condo
Replies: 21
Views: 2443

Re: Best brand of appliances for new condo

I agree with Costco--we just bought 3 Samsung appliances for our vaca condo and using the Citi VISA added 2 more years to the warranty. So 4 years total since Costco doubles the factory basic 1 year warranty anyway. Includes delivery, installation and "haul away" plus a $300 Costco gift card just fo...
by spitty
Thu May 03, 2018 7:22 am
Forum: Personal Consumer Issues
Topic: Should reliability rankings eliminate Jeep Grand Cherokee?
Replies: 91
Views: 9582

Re: Should reliability rankings eliminate Jeep Grand Cherokee?

Here's a link to extended warranty purchase as recommended on several Jeep forums: http://www.chryslerfactoryplans.com/ I've not used it but apparently much cheaper than dealer sells for. Of course if you have a favorite dealer you can challenge them to meet or beat. Since you're looking at a 2016 I...
by spitty
Fri Apr 27, 2018 9:22 am
Forum: Personal Consumer Issues
Topic: Extended Warranty for Honda Odyssey - worth it?
Replies: 23
Views: 5106

Re: Extended Warranty for Honda Odyssey - worth it?

Have you ever bought one before? If not, say you've bought 10 vehicles and saved $1500/each by not buying--that's a nest egg of maybe $25,000 invested by now. There's your post-warranty repair fund; I've never bought one and not had any repairs making me wish I had. http://www.businessinsider.com/te...
by spitty
Wed Apr 25, 2018 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Lump sum inherited IRA make estimate tax payment?
Replies: 9
Views: 735

Re: Lump sum inherited IRA make estimate tax payment?

Can you set this up in your name as a "beneficiary IRA"? If so you need only pay tax on the small amount you're required to take out each year based on your life expectancy. This spreads the tax hit out over many years so it's not as painful and the account can really grow into a nice nest egg--tax-...
by spitty
Sun Apr 22, 2018 7:42 am
Forum: Personal Consumer Issues
Topic: How much off MSRP should one expect?
Replies: 23
Views: 4239

Re: How much off MSRP should one expect?

Just came across this article--interesting and appropriate to this thread:

https://cars.usnews.com/cars-trucks/wha ... oice-price
by spitty
Sat Apr 21, 2018 11:02 am
Forum: Personal Consumer Issues
Topic: Mowing with a ZTR - sharpening blades
Replies: 22
Views: 1908

Re: Mowing with a ZTR - sharpening blades

That looks like a perfect sized mower for your 3 acres. I'd run it up on some cheap auto ramps and buzz the blades off with an air impact wrench--mine is a JD 997 ztrak and that works great. I lay a 2x4 across the garage door opening so the ramps don't slide forward as the mower goes up plus some 2x...
by spitty
Sun Apr 15, 2018 1:34 pm
Forum: Personal Consumer Issues
Topic: Lessons learned with Booking.com and VRBO
Replies: 13
Views: 3380

Re: Lessons learned with Booking.com and VRBO

That's sad you lost money when your booking was canceled; surely you appealed to VRBO but they decided to hose you--amazing! I've lost interest in them the past couple years for a few reasons. Prices per night seem to be going up rapidly, "cleaning fees" are outrageous, and deposits are high--dollar...
by spitty
Sat Apr 14, 2018 5:03 am
Forum: Personal Consumer Issues
Topic: Cedar Fence: is Maintenance required?
Replies: 30
Views: 2590

Re: Cedar Fence: is Maintenance required?

Regarding stain, choose an oil based product so it lasts longer--we use Cabot. They make different shades, so pick your color. Our house and two outbuildings are cedar siding and we treat every 5-7 years depending on sun exposure. Before getting smart we used Thompsons Wood Protector which just does...
by spitty
Sun Mar 11, 2018 7:49 am
Forum: Personal Consumer Issues
Topic: Chain Saw pruner or Pole Saw?
Replies: 24
Views: 2292

Re: Chain Saw pruner or Pole Saw?

125 oakes/2acres is thick--bet you're easy on mower blades! I'd say just rent a Stihl pole saw (or equivalent) every few years and do the smaller yearly trims with a manual type. Mine is a Jameson from Bailey's and cost about $110. Works great. Stihl stuff is expensive and requires upkeep; I just wo...