Search found 105 matches

by FeesR-BullNotBullish
Thu Jan 10, 2019 5:53 pm
Forum: Personal Consumer Issues
Topic: Disciplined with finances, but not so with diet
Replies: 217
Views: 9618

Re: Disciplined with finances, but not so with diet

I like time restricted eating. I do a 12/12, and it helps me avoid snacking after dinner. I don't have a set schedule, but I'm pretty good at waiting at least 12 hours after dinner until I have breakfast. I find it difficult to increase my fasting duration without cramping my lifestyle. I do cheat o...
by FeesR-BullNotBullish
Sun Jan 06, 2019 11:53 am
Forum: Personal Consumer Issues
Topic: How often do you deep clean?
Replies: 52
Views: 2371

Re: How often do you deep clean?

This seems extreme, but once a year should be tolerable. If you want something to make you think "well, it could be worse", then I recommend a show on Netflix called "Obsessive Compulsive Cleaners." Be careful about letting your partner see this because it might inspire him to deep clean more often!
by FeesR-BullNotBullish
Sun Jan 06, 2019 11:30 am
Forum: Personal Finance (Not Investing)
Topic: $40,000 in debt, bankruptcy seems to be the best option right now
Replies: 258
Views: 20167

Re: $40,000 in debt, bankruptcy seems to be the best option right now

I could be way off base, though I have this weird feeling you and your wife are on different pages as far as talking about money. This occurred to me when reading the initial post because I saw a lot of "I" instead of "we". It's imperative that OP and wife are a team going forward. That doesn't mea...
by FeesR-BullNotBullish
Thu Dec 27, 2018 11:31 am
Forum: Personal Consumer Issues
Topic: Do Hertz/Avis really cost double Enterprise?
Replies: 58
Views: 3266

Re: Do Hertz/Avis really cost double Enterprise?

Rental car prices are all dynamic. Avis/Hertz may be more expensive simply because they happened to have rented more cars that week than Enterprise. FWIW I hate renting from Enterprise because they always send the guy with you to show you how to open the windows and they definitely look at the cars...
by FeesR-BullNotBullish
Sat Dec 22, 2018 10:20 am
Forum: Personal Finance (Not Investing)
Topic: online job
Replies: 9
Views: 930

Re: online job

How do you feel about tutoring? You can check out wyzant which brokers tutoring services for myriad subjects. You can also look into teaching English online. I'm using italki.com to learn Spanish. You can check out that site or look for others that might be more lucrative. If you want to utilize you...
by FeesR-BullNotBullish
Thu Dec 20, 2018 5:39 pm
Forum: Personal Consumer Issues
Topic: Stand up desks: Jarvis vs UpLift vs ?? (Help me shop)
Replies: 34
Views: 1703

Re: Stand up desks: Jarvis vs UpLift vs ?? (Help me shop)

I love my UpLift desk. I bought the base from UpLift and the desktop from IKEA which saved me quite a bit of money. Another option is to call around to used office supply stores (it helps if you're in a big city). I found one for my employee this way. It cost a lot less than I could get anywhere els...
by FeesR-BullNotBullish
Thu Nov 29, 2018 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Advice On Job Offer
Replies: 12
Views: 1273

Re: Advice On Job Offer

Go for it! But do consider if DFW is where you want to be. I think you can get a job anywhere in the country in your field. If there are other places that intrigue you, now is a good time to consider them.
by FeesR-BullNotBullish
Thu Nov 29, 2018 10:11 am
Forum: Personal Consumer Issues
Topic: Remodeling - tipping?
Replies: 56
Views: 2871

Re: Remodeling - tipping?

This is nuts! These are professional small business owners and perhaps a handful of employees.

Of course I might have to eat my words when we start our remodel next year and DW wants to show our appreciation. :oops:
by FeesR-BullNotBullish
Tue Nov 27, 2018 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Employeer taking vacation days on public holidays - is this legal or normal?
Replies: 99
Views: 7534

Re: Employeer taking vacation days on public holidays - is this legal or normal?

This is crummy but I don't think it's completely out of the ordinary. My brother worked for a place that did this or maybe they deducted pay for the holiday I'm not certain. From the employer's perspective, this practice helps ensure you are properly staffed on either end of a holiday. I'm self-empl...
by FeesR-BullNotBullish
Tue Nov 27, 2018 11:12 am
Forum: Personal Consumer Issues
Topic: Dual Monitor Set up
Replies: 52
Views: 2884

Re: Dual Monitor Set up

At my last company they gave us the choice between dual 27”, or a single 34” curved ultra wide monitor with 3440x1440 resolution. Within a couple of months, nearly everyone who had originally chosen the dual monitors had switched to the 34. After I left the company, I missed the 34” monitor enough ...
by FeesR-BullNotBullish
Mon Nov 19, 2018 11:50 am
Forum: Personal Consumer Issues
Topic: Coffee tablebooks??
Replies: 21
Views: 1488

Re: Coffee tablebooks??

Wilderness Librarian wrote:
Mon Nov 19, 2018 1:22 am
Browse the oversize section of your public library to get an idea of the scope variety and range of possibilities.
I love the library for coffee table books because I get to rotate them and keep things fresh.
by FeesR-BullNotBullish
Fri Nov 16, 2018 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Incompetent home inspector - what to do?
Replies: 52
Views: 5235

Re: Incompetent home inspector - what to do?

This sounds fishy. I wonder if they buyers got cold feet and the inspector hammed up the report on their behalf. The "faults" you say the inspector found might prompt me to ask for a remedy, but they wouldn't make me walk away. To add insult to injury you might have to disclose this inspection next ...
by FeesR-BullNotBullish
Thu Nov 08, 2018 5:21 pm
Forum: Personal Consumer Issues
Topic: Favorite "free stuff"?
Replies: 137
Views: 10980

Re: Favorite "free stuff"?

Podcasts (though I do send some $ to a few of my favorites)
Audio books from LibriVox
Free dinner tomorrow thanks to the blood bank and a local restaurant! Is it still free if I pay in blood? :twisted:
by FeesR-BullNotBullish
Thu Nov 08, 2018 3:30 pm
Forum: Personal Consumer Issues
Topic: aerobic exercise: rower vs. treadmill and elliptical
Replies: 44
Views: 4058

Re: aerobic exercise: rower vs. treadmill and elliptical

My experience is that rowing was not as good a work out as the elliptical or treadmill. I tried a Concept 2 at my gym for several workouts and never quite got my heart rate to where it would get on the other machines. Maybe there is a technique to get a workout but I never really looked into it that...
by FeesR-BullNotBullish
Thu Nov 08, 2018 11:09 am
Forum: Personal Consumer Issues
Topic: Home Design CAD program for Mac or iPad
Replies: 7
Views: 521

Re: Home Design CAD program for Mac or iPad

I recommend the 3rd party because designing and CAD drafting are distinct skill sets. Energy put into drawing your house on a computer will rob you of the time you need to make important design decisions and coordinate with contractors. Sure, Sketchup is easy enough to learn. However, to make a qual...
by FeesR-BullNotBullish
Fri Nov 02, 2018 9:52 am
Forum: Personal Finance (Not Investing)
Topic: HDHP vs. PPO new family
Replies: 7
Views: 381

Re: HDHP vs. PPO new family

My wife and I recently went the opposite direction. We went from HDHP to PPO when she got a job with benefits. The downside with the HDHP is that it's an incentive to put off treatment especially if somebody has chronic health issues. It's one thing to do the financial analysis during open enrollmen...
by FeesR-BullNotBullish
Wed Oct 31, 2018 5:07 pm
Forum: Personal Consumer Issues
Topic: Sell or Donate [Car]
Replies: 10
Views: 1264

Re: Sell or Donate

The standard deduction is going way up, so make sure you can still itemize.
by FeesR-BullNotBullish
Tue Oct 30, 2018 4:33 pm
Forum: Personal Consumer Issues
Topic: Just Moved. Furnishing Apartment. Beanbag recommendations
Replies: 19
Views: 1669

Re: Just Moved. Furnishing Apartment. Beanbag recommendations

Marjimmy wrote:
Sat Oct 27, 2018 3:18 pm
you can never go wrong with a bean bag chair.
They can be so comfortable and some are decent looking. If only DW agreed. Sigh.
by FeesR-BullNotBullish
Mon Oct 29, 2018 9:37 am
Forum: Personal Consumer Issues
Topic: When to change tires; and what brand
Replies: 131
Views: 8716

Re: When to change tires; and what brand

Looks like a lot of Michelin fans here. What do you think of the Continentals? I was looking at this test report from TireRack https://www.tirerack.com/tires/tests/testDisplay.jsp?ttid=236 We have Continental Control Contact Sport A/S tires on our Mazda 3, and we are pleased with them. I'm getting ...
by FeesR-BullNotBullish
Tue Oct 23, 2018 8:07 pm
Forum: Personal Consumer Issues
Topic: Cat's dental work costs
Replies: 31
Views: 2280

Re: Cat's dental work costs

We recently paid $934.94 for our cat’s dental work. Here’s the breakdown $450.00 - Dental cleaning $159.95 - X-ray $104.00 - Extractions (5 teeth) $220.99 - drugs (lots of different line items for meds before, during, and after the procedure) Have you confirmed whether your quote is firm? We talked ...
by FeesR-BullNotBullish
Tue Oct 23, 2018 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: How do you evaluate HDHPs?
Replies: 17
Views: 1323

Re: How do you evaluate HDHPs?

I’ll preface this by saying DW and I recently switched from an HDHP under the ACA to an employer subsidized PPO: If you or a family member regularly visits a doctor, I offer caution against an HDHP. DW and I had HDHPs for the past 5-6 years. DW has chronic health issues. Recently DW got a job that o...
by FeesR-BullNotBullish
Thu Aug 30, 2018 10:27 am
Forum: Personal Consumer Issues
Topic: Mega Downsize....
Replies: 91
Views: 8672

Re: Mega Downsize....

Lots of great advice here. I might have missed it but wanted to add that there are thrift stores in my area that will pick up items you leave at the curb. Just call them and schedule a date. I use this service when I have too much to fit in the car.
by FeesR-BullNotBullish
Thu Aug 02, 2018 12:25 pm
Forum: Personal Consumer Issues
Topic: Gated communities pros and cons? (Atlanta or anywhere.)
Replies: 67
Views: 4595

Re: Gated communities pros and cons? (Atlanta or anywhere.)

Another consideration is the cost of privately maintained roads. I don't know about ATL, but in my community the city doesn't maintain streets behind gates. Therefore, a good chunk of HOA dues will be set aside for street maintenance and occasional slurry seal/repaving. If the HOA can't budget or th...
by FeesR-BullNotBullish
Thu Jul 26, 2018 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Help Please!! Contract payments not being paid
Replies: 16
Views: 1913

Re: Help Please!! Contract payments not being paid

I've had that issue a couple times in my contracting business but to a lesser extent. When I get fed up, I let client know that I will stop sending deliverables pending payment. Client then finds a way to pay real fast. Are you in a position to stop sending deliverables? If your client still doesn't...
by FeesR-BullNotBullish
Mon Jul 23, 2018 8:08 pm
Forum: Personal Consumer Issues
Topic: Coast to Coast 2-3 Week Road Trip
Replies: 16
Views: 2060

Re: Coast to Coast 2-3 Week Road Trip

It sounds like you appreciate parks and natural beauty. I also recommend a southern route. Hightail it to El Paso and slow the pace when you enter New Mexico which I feel is the most underappreciated state for all it has to offer. New Mexico is a tough sell, but it has awe inspiring beauty, great fo...
by FeesR-BullNotBullish
Fri Jul 13, 2018 12:03 pm
Forum: Personal Consumer Issues
Topic: Do insurance agents add value? How?
Replies: 24
Views: 1788

Re: Do insurance agents add value? How?

OP here. Thank you for the responses. I’m getting my fill of humble pie, which gives me cause to reconsider my attitude towards my agent. Regarding the cancellation letter, that got filed away as well. :oops: So yeah, it's past time to set up auto-pay and improve our mail filing system. It sounds li...
by FeesR-BullNotBullish
Fri Jul 13, 2018 11:04 am
Forum: Personal Consumer Issues
Topic: Do insurance agents add value? How?
Replies: 24
Views: 1788

Do insurance agents add value? How?

I missed my six-month auto insurance premium because the bill was filed away, and I just plain forgot it was due. Last night, I found the bill, paid up, and the policy was reinstated. Going forward, I will set up automated payments to prevent this from recurring. I feel let down that I didn’t get a ...
by FeesR-BullNotBullish
Wed Jul 11, 2018 3:45 pm
Forum: Personal Consumer Issues
Topic: Anyone take naps at work?
Replies: 93
Views: 6158

Re: Anyone take naps at work?

I am a huge believer in the power of an afternoon nap. I used to take 20-30 minute naps. I felt refreshed and more productive after - naps are way better than afternoon coffee for me. I got away from napping because I didn't have a dedicated space in my office, and it was a pain to set up and break ...
by FeesR-BullNotBullish
Tue Jul 10, 2018 1:17 pm
Forum: Personal Consumer Issues
Topic: Crock Pot Recipes
Replies: 19
Views: 2012

Re: Crock Pot Recipes

My favorites are stews. When looking for recipes I came across a web site for supermoms called whoneedsacape.com . I'm not sure if it was there or somewhere else that I learned the following technique for preparing multiple slow cooker meals: Choose several meals and buy all the ingredients. When yo...
by FeesR-BullNotBullish
Mon Jul 09, 2018 3:46 pm
Forum: Personal Consumer Issues
Topic: Flooring for New House
Replies: 57
Views: 4353

Re: Flooring for New House

My preference is wood throughout and tile in the kitchen and bathrooms. When DW and I were house hunting we encountered quite a few homes that had LVP flooring. Initially, I thought the LVP floors looked good. However, after seeing a few LVP floors, I liked it less each time and came to think LVP w...
by FeesR-BullNotBullish
Mon Jul 09, 2018 2:10 pm
Forum: Personal Consumer Issues
Topic: Flooring for New House
Replies: 57
Views: 4353

Re: Flooring for New House

My preference is wood throughout and tile in the kitchen and bathrooms. When DW and I were house hunting we encountered quite a few homes that had LVP flooring. Initially, I thought the LVP floors looked good. However, after seeing a few LVP floors, I liked it less each time and came to think LVP wa...
by FeesR-BullNotBullish
Fri Jul 06, 2018 9:41 am
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 164
Views: 15122

Re: What I spent in 6 months on medicare

I am 38 and DW is 41. We are child free. 2018 insurance premiums will run $9200. 2018 has been a healthy year thus far, but if misfortune hits we will be out another $5,500 per individual before our “insurance” starts to pay for stuff. Even then out of pocket costs will continue to rise on the inevi...
by FeesR-BullNotBullish
Sun Jul 01, 2018 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Smart to transition to rental property?
Replies: 10
Views: 1421

Re: Smart to transition to rental property?

I agree with others that it's not a good idea to keep as a rental. I think this condo provides too little return for a lot of risk. There is always the potential for crazy tenants who don't pay rent and/or trash the place. Although maintenance costs have been minimal thus far, you will likely have s...
by FeesR-BullNotBullish
Thu Jun 28, 2018 1:51 pm
Forum: Personal Consumer Issues
Topic: Buying and selling house in Western NY..Bank or mortgage broker?
Replies: 14
Views: 824

Re: Buying and selling house in Western NY..Bank or mortgage broker?

It depends on the temperature of your housing market - the hotter the market the more valuable the mortgage broker's services. When you make an offer, a good mortgage broker will call the seller's realtor to vouch for you and emphasize that yours is a serious offer they should consider. He or she ca...
by FeesR-BullNotBullish
Tue Jun 19, 2018 2:31 pm
Forum: Personal Consumer Issues
Topic: gray hair
Replies: 130
Views: 9324

Re: gray hair

I started going gray in my early twenties. There were only a few grays back then but I was self conscious, so I dyed it. One day I was talking to a cute girl, and she called me out on it. :oops: I haven't dyed it since. Fast forward twenty years. Last night my wife showed me a picture she took of me...
by FeesR-BullNotBullish
Wed Jun 13, 2018 8:53 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3519
Views: 1033189

Re: What Book Are You Currently Reading? Part VI

The Beer Bible by Jeff Alworth is teaching me a greater appreciation for a product I enjoy. The book discusses how beer is made, the history and characteristics of different styles, and how to taste beer to pick up the nuanced flavors. It's fascinating learning how cultural and legal nuances explai...
by FeesR-BullNotBullish
Wed Jun 06, 2018 2:36 pm
Forum: Personal Consumer Issues
Topic: Switching car insurance agents
Replies: 15
Views: 1568

Re: Switching car insurance agents

I switched agents within the same company ten years ago. I went through corporate as somebody else already recommended. As I recall it was a pretty big deal and I got a call from the previous agent attempting to justify their bad service rather than apologizing for it. I let him have it, and the pho...
by FeesR-BullNotBullish
Tue Jun 05, 2018 9:28 am
Forum: Personal Consumer Issues
Topic: Tool board for basement - plywood or pegboard?
Replies: 30
Views: 2234

Re: Tool board for basement - plywood or pegboard?

I'm late as well, but I want to re-affirm the support for pegboard! Hooks usually stay on when I remove tools slowly and deliberately. I'd like to hang pegboard floor to ceiling all over the house, but i prefer living in harmony with DW.
by FeesR-BullNotBullish
Sat Jun 02, 2018 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Leave Job (Philly) and move To Arizon (Phoenix)?
Replies: 67
Views: 5624

Re: Leave Job (Philly) and move To Arizon (Phoenix)?

I vote you take advantage of your current situation and move. This likely isn't a great financial decision, but you have some cushion, and there's more to life than accumulating wealth. It's unfortunate that your wife would leave her job so soon, but life's short. If you don't move when the time is ...
by FeesR-BullNotBullish
Fri Jun 01, 2018 10:19 pm
Forum: Personal Consumer Issues
Topic: Driving UHaul
Replies: 20
Views: 2332

Re: Driving UHaul

We rented a U-haul for a 1000 mile move a few years ago. I had not driven anything that big previously and found it relatively easy. In addition to driving the truck, I towed my car while my wife followed behind in hers. Traffic was good, and I didn't have trouble merging onto the freeway when I nee...
by FeesR-BullNotBullish
Fri Jun 01, 2018 2:01 pm
Forum: Personal Consumer Issues
Topic: belize with kids -- advice?
Replies: 8
Views: 979

Re: belize with kids -- advice?

I agree that two weeks seems long. Placencia is a small place, and I'd get stir crazy after a few days there. My wife and I did two weeks in Belize, but split it up between Caye Caulker, Hopkins, and Placencia. As I recall the beach in Placencia was serene, but there weren't many waves - the water c...
by FeesR-BullNotBullish
Thu May 17, 2018 5:17 pm
Forum: Personal Consumer Issues
Topic: Should I have my new garage floor coated with Epoxy?
Replies: 30
Views: 4392

Re: Should I have my new garage floor coated with Epoxy?

Yes! It makes cleaning so much easier when your car dumps a bunch of filthy snow on the floor. It'll take your garage from "garage" to another pleasant space in your new home.
by FeesR-BullNotBullish
Thu May 17, 2018 3:11 pm
Forum: Personal Consumer Issues
Topic: Hot food flavoring (sauces, spices and peppers)
Replies: 51
Views: 3912

Re: Hot food flavoring (sauces, spices and peppers)

barnaclebob wrote:
Thu May 17, 2018 3:05 pm
Marie Sharp's sauce from Belize is really good.
+1
by FeesR-BullNotBullish
Thu May 17, 2018 9:41 am
Forum: Personal Finance (Not Investing)
Topic: MUSING: Working Remotely For Current Job and Own Cabin Rentals
Replies: 2
Views: 426

Re: MUSING: Working Remotely For Current Job and Own Cabin Rentals

Is it a dream for you to live in a different location? Ten years down the road, will you ask yourself "what if" if you don't take this jump? What has more meaning - living in a pristine area running vacation rentals or your career? Working remotely might have a negative impact on your career arc bec...
by FeesR-BullNotBullish
Tue May 15, 2018 9:42 pm
Forum: Personal Consumer Issues
Topic: Brake work estimate
Replies: 45
Views: 3441

Re: Brake work estimate

Price sounds about right. FYI. Replacing pads and rotors is actually a fairly easy DIY task even for someone who's not particularly handy. Haha be careful with this. Being handy is different from being mechanically inclined. I budgeted four hours for my first brake job. I wound up screwing around f...
by FeesR-BullNotBullish
Fri May 11, 2018 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage question: 20% down or larger down payment?
Replies: 47
Views: 5708

Re: Mortgage question: 20% down or larger down payment?

I'll offer the minority perspective: I say go larger on the down payment if it leaves you with a healthy emergency fund, and go with a 15 year fixed rate mortgage if you can swing it. Personally, I wouldn't pay off my house at the expense of tax advantaged investments, but I will put money towards ...
by FeesR-BullNotBullish
Fri May 11, 2018 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage question: 20% down or larger down payment?
Replies: 47
Views: 5708

Re: Mortgage question: 20% down or larger down payment?

I'll offer the minority perspective: I say go larger on the down payment if it leaves you with a healthy emergency fund, and go with a 15 year fixed rate mortgage if you can swing it. Personally, I wouldn't pay off my house at the expense of tax advantaged investments, but I will put money towards m...
by FeesR-BullNotBullish
Sun May 06, 2018 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Resignation letter
Replies: 66
Views: 7434

Re: Resignation letter

This sounds like a crummy situation. I think the best course is for her to suck it up and show up for the next two weeks. I know these last two weeks will feel like an eternity but keep the perspective that it's just two weeks. That said, she can put in an honest day's work, but she doesn't have to ...
by FeesR-BullNotBullish
Sat May 05, 2018 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Best brick & mortar bank?
Replies: 14
Views: 1803

Re: Best brick & mortar bank?

We banked at a credit union for over ten years in our previous city. When we moved, we went with a community bank, and the upgrade in professionalism was a breath of fresh air. I don't know if this is true across the board, but our credit union was solidly entrenched on the casual side of business-c...