Search found 136 matches

by FeesR-BullNotBullish
Tue Oct 15, 2019 9:56 am
Forum: Personal Consumer Issues
Topic: Invited to join HOA board. Pros/cons?
Replies: 58
Views: 4650

Re: Invited to join HOA board. Pros/cons?

My previous HOA was headed towards bankruptcy when I moved in (ALWAYS LOOK AT FINANCIALS BEFORE YOU MOVE INTO AN HOA COMMUNITY!!!). When I joined the board, with the help of a mentor, we replaced the incompetent management company and the overpriced landscaping company. Within a few months we were b...
by FeesR-BullNotBullish
Wed Oct 09, 2019 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Dilemma buying a new house
Replies: 31
Views: 2633

Re: Dilemma buying a new house

It sounds like you're getting great advice on both sides, and the path you choose likely depends on your personal appetite for risk. I'm in the move first camp for reasons already stated. When it comes to selling your house quickly, the best Dave Ramsey advice I followed was how to choose a realtor....
by FeesR-BullNotBullish
Fri Sep 27, 2019 10:52 am
Forum: Personal Consumer Issues
Topic: New iPhone or iPhone 7 for ~$130
Replies: 16
Views: 1351

Re: New iPhone or iPhone 7 for ~$130

I've had good and bad experiences with screen repairs. I recommend you go to a place that specializes in screen repairs rather than say a battery store that offers screen repairs as an auxiliary service.
by FeesR-BullNotBullish
Thu Sep 19, 2019 4:29 pm
Forum: Personal Consumer Issues
Topic: Mid-Century Sofa - Quality of Online Brands / Midrange Chains
Replies: 33
Views: 3027

Re: Mid-Century Sofa - Quality of Online Brands / Midrange Chains

My wife and I just had two sofas delivered from www.article.com . We find them stylish and comfortable. Highly recommend. It's funny you mention that, their name comes up a lot but I initially didn't see anything I liked. However, now both the Burrard and, surprisingly, the Ceni jump out at me as p...
by FeesR-BullNotBullish
Thu Sep 19, 2019 3:10 pm
Forum: Personal Consumer Issues
Topic: Mid-Century Sofa - Quality of Online Brands / Midrange Chains
Replies: 33
Views: 3027

Re: Mid-Century Sofa - Quality of Online Brands / Midrange Chains

My wife and I just had two sofas delivered from www.article.com. We find them stylish and comfortable. Highly recommend.
by FeesR-BullNotBullish
Wed Aug 21, 2019 3:59 pm
Forum: Personal Consumer Issues
Topic: Trip to Costa Rica
Replies: 16
Views: 1694

Re: Trip to Costa Rica

My wife and I went in January. Unlike many people, our goal was to do as little as possible. We flew into Liberia and stayed a night there. Next day, we had Enterprise pick us us, and we drove to Playa Guiones. I got lost. Wife got mad. Probably best not to take the scenic route when everybody at En...
by FeesR-BullNotBullish
Mon Aug 19, 2019 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Check the restrictions on the out-of-pocket maximum on your health insurance policy
Replies: 20
Views: 1793

Re: If you have an HDHP, check the restrictions on the out-of-pocket maximum

Thank you for the PSA. My wife and I always opt for the most comprehensive plan her company offers. I feel this minimizes the "Haha you didn't know your in-network hospital has out-of-network doctors" gotchas and other such nonsense. I know this strategy doesn't completely protect us from extortion ...
by FeesR-BullNotBullish
Tue Jul 30, 2019 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: House not selling
Replies: 138
Views: 11966

Re: House not selling

Any opinions on whether or not to paint stained wood trim white? The realtor said it will sell house faster. What an invovled process. Any help relly appreciated Thanks, Duane Wife and I just had our house's interior painted which included painting the stained wood trim white. Total project cost wa...
by FeesR-BullNotBullish
Tue Jul 30, 2019 9:05 am
Forum: Personal Consumer Issues
Topic: How to avoid cleaners going out of business - and not getting your things?
Replies: 25
Views: 1859

Re: How to avoid cleaners going out of business - and not getting your things?

I know somebody whose dry cleaning business recently went under. The last thing he wanted was anything to do with the clothes in his possession. He held a couple pick up events and generally made himself available. I think the biggest risk is forgetting your clothes are there or neglecting to pick t...
by FeesR-BullNotBullish
Thu Jul 25, 2019 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Way out of financial catastrophe?
Replies: 80
Views: 11372

Re: Way out of financial catastrophe?

Holy cow, this is a nightmare. I'm not sure what the heck I would do in a situation like this. Have you talked to your insurance company? I would almost consider just walking away from the house and letting the bank foreclose on it. To sink 1 million dollars into structural home repairs that weren'...
by FeesR-BullNotBullish
Fri Jul 19, 2019 10:59 am
Forum: Personal Consumer Issues
Topic: Do you buy cellphone outright or pay over 2 years?
Replies: 129
Views: 8791

Re: Do you buy cellphone outright or pay over 2 years?

I buy brand new unlocked iPhones every few years when the new models come out in Sept/Oct. I buy one for my wife and one for me. It's painful, but I like owning what we have. The financial advantage is that we stretch our phones as long as we can; our upgrade cycle is every three to four years inste...
by FeesR-BullNotBullish
Tue Jun 11, 2019 3:15 pm
Forum: Personal Consumer Issues
Topic: Tips for new pet owner [puppy]
Replies: 71
Views: 4484

Re: Tips for new pet owner

For training, I recommend a podcast episode - Susan Garrett on the Tim Ferriss podcast. There is a lot of great insight and tips in that episode which gave my wife and I confidence with our puppy. Our biggest takeaway was to keep the puppy in a pen whenever it's inside but not under your direct supe...
by FeesR-BullNotBullish
Wed Jun 05, 2019 12:42 pm
Forum: Personal Consumer Issues
Topic: Favorite youtube channels?
Replies: 81
Views: 8115

Re: Favorite youtube channels?

Great ideas here! I'll add The Katering Show which features two Australian women and their misadventures in the kitchen. I also love Honest Trailers which gives hysterical commentary over an extended movie highlight reel. The trailers often contain spoilers.
by FeesR-BullNotBullish
Wed Jun 05, 2019 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Invoice Software for 30-person firm
Replies: 5
Views: 380

Re: Best Timesheet/Invoice Software for Small Consulting Business

I second the vote for Harvest. They put the start-stop timer in your face, but I enter time manually. They also want you to use their invoicing feature which won't work for me because my invoices aren't based off time. Reminders about assigning budgets are annoying, but it's a small nuisance. You ca...
by FeesR-BullNotBullish
Wed Jun 05, 2019 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Would you buy a house without a garage?
Replies: 95
Views: 6483

Re: Would you buy a house without a garage?

Yes I would consider a house without a garage, but I'd hesitate to buy a house with an unusable garage. The bathroom quirk is one I'd deal with.
by FeesR-BullNotBullish
Mon Jun 03, 2019 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Value of Zillow house price estimate
Replies: 44
Views: 6322

Re: Value of Zillow house price estimate

We made an offer on a house a couple years ago. We backed out four several reasons, one of which was the Zillow information was more accurate than the inflated square footage listed by the sellers. I know because I measured. Zillow pulls its data from the county or whatever municipality provides pub...
by FeesR-BullNotBullish
Mon Jun 03, 2019 9:59 am
Forum: Personal Consumer Issues
Topic: Anyone familiar with driving from Disneyland area to Tucson, Az?
Replies: 39
Views: 2278

Re: Anyone familiar with driving from Disneyland area to Tucson, Az?

7 hours sounds optimistic. I'd figure 9-10 hours, but I don't drive fast, and I take stops. You might hit traffic getting out of LA and again in Phoenix depending on the time and day. But there's not much in between, so it should be mostly smooth sailing.
by FeesR-BullNotBullish
Mon Jun 03, 2019 9:05 am
Forum: Personal Consumer Issues
Topic: Havasupai, Have a Sticker Shock
Replies: 27
Views: 3836

Re: Havasupai, Have a Sticker Shock

Yes, it truly is a special place. I recommend you go if it does not create a financial hardship. I have been half a dozen times. The increased rates deter me from going with the same frequency, and I live further away now. Still, I hope to make it back someday. If it was a one-time opportunity, I wo...
by FeesR-BullNotBullish
Tue May 28, 2019 10:53 pm
Forum: Personal Consumer Issues
Topic: Electric, corded, trimmer edger recommendations
Replies: 11
Views: 897

Re: Electric, corded, trimmer edger recommendations

That’s the one I have. I’m happy with it, and it’s been going strong for a couple years so far. However, my yard is much smaller than yours. If you end up getting it, I recommend using a zip tie for a trigger lock. It’s loose enough to slide up to lock and down to release the trigger.
by FeesR-BullNotBullish
Tue May 21, 2019 7:49 am
Forum: Personal Consumer Issues
Topic: Dealing with construction noise
Replies: 27
Views: 1846

Re: Dealing with construction noise

I'd look for an office during the day. Many offices won't bat an eye if you bring a well trained dog. Small inexpensive offices are tricky to find, but they're out there. Coworking spaces are another option. They tend to be pricey, but you might come out ahead if you use it intermittently. DW used ...
by FeesR-BullNotBullish
Mon May 20, 2019 9:08 am
Forum: Personal Consumer Issues
Topic: Dealing with construction noise
Replies: 27
Views: 1846

Re: Dealing with construction noise

I'd look for an office during the day. Many offices won't bat an eye if you bring a well trained dog. Small inexpensive offices are tricky to find, but they're out there. Coworking spaces are another option. They tend to be pricey, but you might come out ahead if you use it intermittently. DW used a...
by FeesR-BullNotBullish
Mon May 13, 2019 3:13 pm
Forum: Personal Consumer Issues
Topic: PSA: Do you have working carbon monoxide detectors?
Replies: 44
Views: 2573

Re: PSA: Do you have working carbon monoxide detectors?

Thanks for posting. A technician discovered our furnace wasn't venting properly, and we had him fix it. That was our wake up call to purchase carbon monoxide detectors. It's pretty harrowing to know that we could have been killed from work that was performed improperly and missed by our inspector pr...
by FeesR-BullNotBullish
Tue May 07, 2019 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: College credit for HS courses or not?
Replies: 49
Views: 2647

Re: College credit for HS courses or not?

I had to declare a major way before I was ready because I entered college loaded up with credits. Although I was good in school, I just didn't have much direction or drive for what came after. I wish I took more general courses in college to feel my way around for a year or two before getting serious.
by FeesR-BullNotBullish
Mon May 06, 2019 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: "Shopping for Healthcare" - How Use an HSA Effectively
Replies: 30
Views: 2348

Re: "Shopping for Healthcare" - How Use an HSA Effectively

Your bill doesn't sound bad. Yes going forward ask about the price. Expect to do a lot of asking. Before your appointment ask the front desk people how much the office visit will cost. If the doctor mentions "test", ask him or her how much it will cost. Even though they won't give you a straight ans...
by FeesR-BullNotBullish
Wed May 01, 2019 9:06 pm
Forum: Personal Consumer Issues
Topic: Should we go out of state during a painting project?
Replies: 14
Views: 1227

Re: Should we go out of state during a painting project?

Thank you all for the feedback. It sounds like there are myriad reasons to stay home for this project, and we will schedule it accordingly. I appreciate your perspectives.
by FeesR-BullNotBullish
Wed May 01, 2019 6:24 pm
Forum: Personal Consumer Issues
Topic: Should we go out of state during a painting project?
Replies: 14
Views: 1227

Should we go out of state during a painting project?

DW and I are having the interior of our house professionally painted. Our preferred contractor wants to work on trim throughout the house before moving onto walls and then ceilings. This approach will have most of our house occupied during the project which is expected to last five to seven days. We...
by FeesR-BullNotBullish
Tue Apr 23, 2019 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: First time buyer
Replies: 7
Views: 719

Re: First time buyer

I recommend a traditional mortgage broker due to a recent positive experience. When she makes an offer, a good mortgage broker will contact the seller's Realtor and vouch for your daughter. This helps ensure her offer is taken seriously. As far as Realtors are concerned, she should interview at leas...
by FeesR-BullNotBullish
Mon Apr 22, 2019 10:21 am
Forum: Personal Consumer Issues
Topic: I need advice on cleaning a toilet. How to you clean this part of the toilet? What is the best thing to use?
Replies: 52
Views: 7114

Re: I need advice on cleaning a toilet. How to you clean this part of the toilet? What is the best thing to use?

I had a toilet that was worse than yours. I tried everything I could think of which was less exhaustive than the advice on this thread. I ended up buying a new toilet. Hopefully you have better success.
by FeesR-BullNotBullish
Thu Apr 04, 2019 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Landlord looking to buy out my lease. Whats a reasonable price?
Replies: 75
Views: 6271

Re: Landlord looking to buy out my lease. Whats a reasonable price?

Does the landlord have additional properties in the area? If so, you can approach him about moving to one of those and keeping your current rate for a 12 or 24 month term.
by FeesR-BullNotBullish
Mon Mar 25, 2019 12:09 pm
Forum: Personal Consumer Issues
Topic: advice on a carpet cleaner
Replies: 14
Views: 1057

Re: advice on a carpet cleaner

I prefer a pro, but I do it on my own because it will cost $500+ to have our large house professionally cleaned. The first time, I rented a Bissell Big Green and dedicated the greater part of my weekend to carpet cleaning. Now, I own the Bissell ProHeat 2x Revolution Pet Pro Carpet Cleaner. It's $22...
by FeesR-BullNotBullish
Thu Jan 17, 2019 4:51 pm
Forum: Personal Consumer Issues
Topic: New dishwasher recommendations?
Replies: 17
Views: 1611

Re: New dishwasher recommendations?

We bought the Bosch 300 series dishwasher recommended by Wirecutter (https://thewirecutter.com/reviews/the-best-dishwasher/) and it has been fantastic. Very few items have ever come out dirty (usually only if I haven't cleaned the filter recently), it is very quiet, and it dries reasonably well des...
by FeesR-BullNotBullish
Thu Jan 10, 2019 5:53 pm
Forum: Personal Consumer Issues
Topic: Disciplined with finances, but not so with diet
Replies: 242
Views: 14167

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: 2671

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: 274
Views: 24834

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: 3558

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: 10
Views: 1330

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: 3207

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: 1313

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: 3183

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: 7947

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: 3278

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: 1590

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: 5597

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: 11779

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: 4342

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: 571

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: 414

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: 1324

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: 1789

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: 9535

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 ...