Search found 271 matches

by themesrob
Tue Jun 02, 2020 9:02 am
Forum: Personal Consumer Issues
Topic: How important is a light colored interior for your car in Florida? What about Apple CarPlay?
Replies: 43
Views: 2407

Re: How important is a light colored interior for your car in Florida? What about Apple CarPlay?

we made the same move from the NE to Florida. Best purchase we made when we moved here was a white car with a tan interior. It's a huge difference, even without tinting.
by themesrob
Wed May 13, 2020 3:13 pm
Forum: Personal Consumer Issues
Topic: Termites - Bait (Sentricon) vs Liquid (Termidor)
Replies: 17
Views: 893

Re: Termites - Bait (Sentricon) vs Liquid (Termidor)

I have no expertise to share, but I do know that given the emergence of Formosan termites in our area to go along with the native varieties, it is pretty common to have both Sentricon and Termidor treatments on homes around here, especially those nearer to the water.
by themesrob
Wed May 06, 2020 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Buying Home - How Near Parents?
Replies: 30
Views: 3016

Re: Buying Home - How Near Parents?

A parent of 2 young kids myself, I'm trying to get my own mother (who is 4 hours away) to move within our neighborhood. She keeps looking further away (like 30 to an hour) for better deals and while I agree the houses are better further away. As I explained to her 40 minutes might as well be severa...
by themesrob
Wed May 06, 2020 12:32 pm
Forum: Investing - Theory, News & General
Topic: How to I invest in the self-driving car industry?
Replies: 64
Views: 3405

Re: How to I invest in the self-driving car industry?

You think humanity won't make the tech leap to driverless cars because we can't figure out some legal/insurance stuff? lol I'm thinking that you don't have much business experience if you are lol'ing at the scale of the liabilities and regulatory morass caused by "some legal/insurance stuff." The p...
by themesrob
Mon May 04, 2020 8:44 am
Forum: Investing - Theory, News & General
Topic: How to I invest in the self-driving car industry?
Replies: 64
Views: 3405

Re: How to I invest in the self-driving car industry?

JustinR wrote:
Fri May 01, 2020 3:55 pm

You think humanity won't make the tech leap to driverless cars because we can't figure out some legal/insurance stuff?

lol
I'm thinking that you don't have much business experience if you are lol'ing at the scale of the liabilities and regulatory morass caused by "some legal/insurance stuff."
by themesrob
Fri May 01, 2020 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card fraud? Prank?
Replies: 20
Views: 1084

Re: Credit card fraud? Prank?

so the hypothetical fraudster set up an Elizabeth Arden account using your email address, and then ordered products using your credit card, that he/she then had shipped to your home address?

I think the call may be coming from inside the house...
by themesrob
Fri May 01, 2020 1:20 pm
Forum: Investing - Theory, News & General
Topic: How to I invest in the self-driving car industry?
Replies: 64
Views: 3405

Re: How to I invest in the self-driving car industry?

I’m a former software engineer and now a doctor (MD). My nephew who has a doctorate in computer science and works in machine learning agrees with me. Self-driving cars are never ever going to happen. As in never be able to get in your car and drive you to work. Never ever as in not in your lifetime...
by themesrob
Tue Mar 17, 2020 8:54 am
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 56076

Re: How to get Toilet Paper ? seriously.

Most of our local grocery stores are bought out, but Lowe's still had a ton over the weekend. Also, if you get more desperate, check your local organic markets -- the one near us had plenty of whatever green option they stock (obviously more expensive, but it gets the job done)
by themesrob
Mon Mar 16, 2020 1:18 pm
Forum: Personal Consumer Issues
Topic: Canceling through Chase Travel (Expedia)
Replies: 7
Views: 492

Re: Canceling through Chase Travel (Expedia)

I was in the same situation. It took me 30+ calls to Chase, at least 10 hours on hold combined, to get through to a rep. the first time, the rep was able to cancel my hotel and get a full refund on a nonrefundable reservation, but we got repeatedly disconnected before he could cancel the flights. I ...
by themesrob
Fri Mar 13, 2020 12:30 pm
Forum: Personal Consumer Issues
Topic: Cancel flights due to coronavirus concerns?
Replies: 76
Views: 7861

Re: Cancel flights due to coronavirus concerns?

I booked travel through Chase for this weekend. all the events we were attending have been cancelled. You cannot cancel flights through the Chase online portal (only book them), only on the phone. I have called the various Chase UR/Travel phone lines upwards of 25 times, and have gotten disconnected...
by themesrob
Thu Feb 20, 2020 5:03 pm
Forum: Personal Consumer Issues
Topic: Showing receipt at Walmart
Replies: 44
Views: 1999

Re: Showing receipt at Walmart

Ignoring the request to see a receipt may lead to the retailer being able to legally detain you and contact the police to investigate the issue, depending on the state. Shopkeeper's privilege is a law recognized in some parts of the United States under which a shopkeeper is allowed to detain a susp...
by themesrob
Tue Jan 28, 2020 11:06 am
Forum: Personal Consumer Issues
Topic: Renting a Car in Croatia
Replies: 20
Views: 1314

Re: Renting a Car in Croatia

I had a very easy time renting from Alamo in Slovenia - actually drove a new Mercedes around for a couple days, easy pickup/dropoff. I had a terrible time renting from Avis in Croatia. they didn't try the new damage move, but there were lots of hidden charges, car was not what we had arranged for, e...
by themesrob
Thu Jan 02, 2020 10:58 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3074
Views: 536215

Re: What are you up YTD? [Year To Date]

2019: 28.4%
83% US/12% intl/5% bonds
by themesrob
Tue Dec 24, 2019 12:05 pm
Forum: Personal Consumer Issues
Topic: Costco car rental question
Replies: 25
Views: 1954

Re: Costco car rental question

very normal, and most likely related to the supply flow. example: we had a wedding near Boston in early September. When booking a car at Logan, getting a large pickup truck was ~$60/day compared to $125 for economy, midsize sedan, and so forth (true across multiple companies). I reserved the cheap t...
by themesrob
Wed Dec 18, 2019 5:38 pm
Forum: Personal Consumer Issues
Topic: Estate sales, not for just dead people?
Replies: 21
Views: 2478

Re: Estate sales, not for just dead people?

Where I grew up, estate sales (as far as I knew) exclusively meant sales of property occurring after the owner passed away. After we moved to Florida, I learned that the term down here also encompassed, as others have mentioned, "downsizing"-type sales run by companies who will sell everything in a ...
by themesrob
Tue Dec 10, 2019 9:50 am
Forum: Personal Consumer Issues
Topic: Reliable Restaurant review sites for travel
Replies: 23
Views: 2118

Re: Reliable Restaurant review sites for travel

We've had generally good luck with Tripadvisor, and also with Yelp depending on the country (Yelp didn't exist in Croatia as far I could tell, but Tripadvisor was on point). I think you're right that the major downfall can be whether the hours are accurate, but I tend to call to make reservations if...
by themesrob
Wed Nov 13, 2019 10:38 am
Forum: Personal Consumer Issues
Topic: Experience/cost MLB spring training?
Replies: 29
Views: 2217

Re: Experience/cost MLB spring training?

I've been going for about ten years (have a friend who works in baseball so tickets have been free, making it easier). I love ST, and would recommend going to any baseball fan. The Nats/Astros shared complex is probably the best ST experience in Florida. Beautiful stadium. They have wide open practi...
by themesrob
Mon Oct 28, 2019 12:48 pm
Forum: Personal Consumer Issues
Topic: How much do you plan to spend on your children's weddings?
Replies: 182
Views: 10455

Re: How much do you plan to spend on your children's weddings?

That actually raises an interesting question that hadn’t occurred to me before. We gift our kids the annual gift tax exclusion annually. If we pay for a wedding, is that excluded (ie, can my wife and I gift $30k plus wedding)? Good question. It seems to me that it depends on who is actually hosting...
by themesrob
Tue Oct 22, 2019 1:37 pm
Forum: Personal Consumer Issues
Topic: Brisket Recipe
Replies: 19
Views: 2726

Re: Brisket Recipe

Franklin also has a series of youtube videos on smoking techniques (including a three part series on brisket). Better for those of us with auditory learning styles ;)
by themesrob
Wed Oct 16, 2019 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: FEHB Open Season 2019
Replies: 112
Views: 10252

Re: FEHB Open Season 2019

@UAL Flyer - I've read your previous discussions / arguments, and disagree. I'd associate myself with Tdubs here. Based on 4 years of actual EOB expense analysis, maxing HSA contributions, and a marginal rate of ~30%+, Grabiner's analysis and my analysis is borne out --- a clear win for GEHA HDHP o...
by themesrob
Mon Oct 14, 2019 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: [Vanguard glitch] Your brokerage Consolidated Form 1099 is now available
Replies: 40
Views: 2270

Re: Anyone else get an erroneous 1099 email notice from Vanguard today?

I just got one as well. Was already comparing the numbers against my filed tax return when I said to myself "I should probably check bogleheads"...
by themesrob
Fri Oct 11, 2019 9:59 am
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 441
Views: 76501

Re: Good Modern Science Fiction

I think I recommended Dark Matter by Blake Crouch earlier in this thread, but I'll add a plug for his more recent book, Recursion. The guy has a tremendous skill for coming up with one-off concepts.
by themesrob
Wed Sep 18, 2019 8:54 am
Forum: Personal Consumer Issues
Topic: Blue Apron for a sick friend?
Replies: 41
Views: 2677

Re: Blue Apron for a sick friend?

Freshly (or something similar) would be the way to go. your instinct that Blue Apron might overwhelm a non-cook is spot on, IMO. heat-and-eats, however, would likely be most welcome. a nice thought
by themesrob
Mon Sep 09, 2019 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 495
Views: 58123

Re: Selling home- Demanding Buyer (Repairs)

Update on the house: 1. A few more showings, a few more questions, but no bites or offers lately. 2. My agent and another agent independently said that fall often times picks up with buyers. 3. Price is $459k now. Will lower it to $449k if no offers this weekend. 4. Sale of this house is a major ob...
by themesrob
Tue Aug 13, 2019 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Help with job decision
Replies: 26
Views: 2076

Re: Help with job decision

that's a no-brainer for me -- TSP + pension + government medical/dental for your family + better commute will make up for the initial disparity in salary. congrats on the new job, and enjoy New Mexico!
by themesrob
Mon Aug 12, 2019 9:47 am
Forum: Personal Consumer Issues
Topic: Florida Panhandle recommendations
Replies: 17
Views: 2218

Re: Florida Panhandle recommendations

St. George Island. Quiet (no real spring break crowd), beautiful.
by themesrob
Mon Jul 29, 2019 1:48 pm
Forum: Personal Consumer Issues
Topic: Do you buy the highest trim car ?
Replies: 120
Views: 8861

Re: Do you buy the highest trim car ?

To be a little more concrete: It seems the highest trims are: 1) Produced/sold in small quantities - not too much inventory of these on dealer lots 2) Testing grounds for a lot of extravagant features, SOME of which will trickle down to lower trims over time, but some are just kinda stupid, IMO. Fo...
by themesrob
Mon Jul 15, 2019 8:54 am
Forum: Personal Consumer Issues
Topic: WaPo: "Mobile Passport" is the best-kept secret in air travel
Replies: 47
Views: 9083

Re: WaPo: "Mobile Passport" is the best-kept secret in air travel

tried Mobile Passport once returning to EWR from Europe after one of my old co-workers evangelized to me about it. after filling everything out and submitting, the app spat back an error message and told us to go through manual processing. I'm not sure what popped up on the guy's computer screen whe...
by themesrob
Tue Jul 09, 2019 3:05 pm
Forum: Personal Consumer Issues
Topic: Grilling with wood fire
Replies: 12
Views: 1481

Re: Grilling with wood fire

that sounds pretty cool. more power to you, that would be far beyond what my wife would allow me to do in our backyard. I've only participated (mostly watched) in an asado-type cook once. my recollection is that there was a layer of lump charcoal at the bottom under (a huge stack of) very dry wood, ...
by themesrob
Tue Jul 09, 2019 9:29 am
Forum: Personal Consumer Issues
Topic: Buying a Smoker
Replies: 130
Views: 11260

Re: Buying a Smoker

buying a Green Egg or another kamado-style rig is the way to go. super versatile, in that you can smoke with relative ease (I can do 12 hours at 250-275 with minimal adjustment of the vents, so overnights are pretty easy), but also crank up the heat and do pizzas/steaks at 600+. used is definitely a...
by themesrob
Mon Jul 08, 2019 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Would You Refinance Now?
Replies: 11
Views: 1311

Re: Would You Refinance Now?

Is my doppelganger posting? my wife and I bought in May 2018, $620k property, $453k loan, 30 year fixed @ 4.875%. We just refinanced two weeks ago into another 30 year for $440k @ 3.75%, no points, about $4k in costs (very little going to the lender, mostly due to Florida documentary taxes and the t...
by themesrob
Thu Jun 27, 2019 12:21 pm
Forum: Personal Consumer Issues
Topic: Boston travel ideas (was New England generally)
Replies: 51
Views: 4001

Re: New England travel ideas, summer 2019

Boston trip coming up shortly. Me, my wife, and 2 teen-aged kids (bright, with some tolerance for history, but a total museum-fest will be too much). Wedding for part of the time, but 3-3.5 free days, in and around Boston. Don't plan to rent a car, so relying on our feet, public transport (our hote...
by themesrob
Mon Jun 17, 2019 4:18 pm
Forum: Personal Consumer Issues
Topic: User reviews - How do you use them?
Replies: 33
Views: 1579

Re: User reviews - How do you use them?

1. Standing in front of a restaurant in a strange city. Look up TripAdvisor and Yelp reviews. Read/skim reviews. If many negative, move on the next restaurant. I have just avoided a lousy experience. Not seeking the 5-star experience. Seeking to avoid the 1-star experience. 2. Thinking about buying...
by themesrob
Fri Jun 14, 2019 8:27 pm
Forum: Personal Consumer Issues
Topic: Should I rent a car in Croatia? And other recommendations?
Replies: 11
Views: 990

Re: Should I rent a car in Croatia? And other recommendations?

Dubrovnik was incredible in terms of sights, but it’s crazy crowded and way too expensive. Can make it to Montenegro for a day trip from there, and to the oyster farms in Ston, but otherwise I’d branch out, 10 days is wayyy too much. Split was our favorite place in Croatia, calling it just a “port t...
by themesrob
Fri Jun 14, 2019 3:57 pm
Forum: Personal Consumer Issues
Topic: used car advice
Replies: 20
Views: 1725

Re: used car advice

have had great experience with VWs, and it's hard to find better value than a used VW Jetta/Passat (as you likely noticed when pricing out the options). Their PR nightmare for the past couple years is our gain.
by themesrob
Wed Jun 12, 2019 9:11 am
Forum: Personal Finance (Not Investing)
Topic: New Federal employee ... Choosing Healthcare
Replies: 19
Views: 1647

Re: New Federal employee ... Choosing Healthcare

I think it's a bit area-specific. You might ask your new colleagues what they use, especially those with similar family situations. We use GEHA, which in our area at least is part of the Aetna network, so we can go to any of the really good hospitals in our area. Most of my colleagues have it or BCB...
by themesrob
Tue Jun 11, 2019 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: How best to give broker payment to get apartment and win a race
Replies: 14
Views: 1476

Re: How best to give broker payment to get apartment and win a race

If you want to win a race, bring cash, and get a receipt. I don't think walking around NYC with cash is any more or less advisable than it is anywhere else in the US -- it's one of the safest major cities in the world. He should use his judgment, of course, when evaluating a broker, and not just han...
by themesrob
Mon Jun 10, 2019 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Costco Visa credit limit
Replies: 48
Views: 6067

Re: Costco Visa credit limit

I have the exact same issue with the Costco Visa. When I got the card, they gave me a $1200 limit, which seemed extremely low considering our 800+ credit scores, but since it was not long after we bought a house, I assumed it was simply related to all the recent hard pulls and new credit. But when I...
by themesrob
Thu May 23, 2019 5:04 pm
Forum: Personal Consumer Issues
Topic: ongoing eBay buying problems
Replies: 32
Views: 2634

Re: ongoing eBay buying problems

another thing that occurred to me is that last week, I noticed that my Paypal account balance wasn't showing up when I bought an item on ebay and looked at the payment options. I logged into Paypal, and immediately received a notification that I needed to set up a Paypal "cash" account, and had to g...
by themesrob
Thu May 23, 2019 1:20 pm
Forum: Personal Consumer Issues
Topic: ongoing eBay buying problems
Replies: 32
Views: 2634

Re: ongoing eBay buying problems

I have also bought items recently without incident. OP, you may be encountering issues with sellers who have set up restrictions as to which buyers can purchase their items. For example, when I sold items, I set it so that buyers with either zero feedback or recent negative feedback were not allowed...
by themesrob
Fri Apr 26, 2019 9:49 am
Forum: Personal Consumer Issues
Topic: Who is buying 1-3 year old used Toyotas and Hondas?
Replies: 114
Views: 13327

Re: Who is buying 1-3 year old used Toyotas and Hondas?

Any car that is traded at a year is either a lemon, or the buyer isn't bright. There is no reason to buy a 1 year old vehicle. The only exception might be someone that gets great deals and flips cars, like a family member. We can buy a Ford for a great price, and have to hold it for 6 months. Howev...
by themesrob
Fri Apr 19, 2019 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Wife hates new job...wants to quit after 1 day
Replies: 195
Views: 21727

Re: Wife hates new job...wants to quit after 1 day

spammagnet wrote:
Thu Apr 18, 2019 10:50 pm
HEDGEFUNDIE wrote:
Tue Apr 09, 2019 8:59 pm
I’m pretty sure no one has ever given their current boss as a reference for a new job.
I have done so with positive results.
agreed. I'm pretty sure I've successfully done so with every job I've applied for.
by themesrob
Wed Apr 10, 2019 9:16 am
Forum: Personal Consumer Issues
Topic: Jacksonville, Fl Hotels
Replies: 6
Views: 426

Re: Jacksonville, Fl Hotels

I'd stay at the Omni or the Hyatt Regency in downtown, or the Hilton Garden or Homewood in San Marco. Nice hotels in a safe area. There is no need for your wife to go all the way out to the beach or into Nassau County if she's just here for an event at the zoo, that's unnecessary hours of driving. I...
by themesrob
Tue Apr 09, 2019 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Wife hates new job...wants to quit after 1 day
Replies: 195
Views: 21727

Re: Wife hates new job...wants to quit after 1 day

we're talking about jobs in the same professional field here, so it's obviously relevant. That type of exclusion (arguably misrepresentation) can lead to not being hired (without the opportunity to explain oneself), or to a very awkward conversation (or termination) after being hired. And? "You mig...
by themesrob
Tue Apr 09, 2019 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Wife hates new job...wants to quit after 1 day
Replies: 195
Views: 21727

Re: Wife hates new job...wants to quit after 1 day

we're talking about jobs in the same professional field here, so it's obviously relevant. That type of exclusion (arguably misrepresentation) can lead to not being hired (without the opportunity to explain oneself), or to a very awkward conversation (or termination) after being hired. And? "You mig...
by themesrob
Tue Apr 09, 2019 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Wife hates new job...wants to quit after 1 day
Replies: 195
Views: 21727

Re: Wife hates new job...wants to quit after 1 day

How does she explain why she is looking for work...after 1 day at her new employer!? This was something we were struggling with. You don't explain it. You pretend, to other potential employers, that this current job has never happened and is not currently happening. Don't put it on the résumé and d...
by themesrob
Tue Apr 09, 2019 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Wife hates new job...wants to quit after 1 day
Replies: 195
Views: 21727

Re: Wife hates new job...wants to quit after 1 day

Immediately start looking for a new job and do the absolute bare minimum to keep this new paycheck coming in. Wild story, sorry for your SO. How does she explain why she is looking for work...after 1 day at her new employer!? This was something we were struggling with. You don't explain it. You pre...
by themesrob
Tue Apr 02, 2019 11:52 am
Forum: Personal Consumer Issues
Topic: Want to see a concert! Ideas?
Replies: 50
Views: 3231

Re: Want to see a concert! Ideas?

Merriweather Post Pavilion in Columbia MD is generally recognized as one of the best concert venues in the country. Jason Isbell will be there on 6/21, and Chris Stapleton with Margo Price as an opener on 8/11...I'd be at both if I still lived near DC.
by themesrob
Tue Mar 26, 2019 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Help with law school decision
Replies: 78
Views: 6333

Re: Help with law school decision

I'm an attorney in big-law for 8 years now, graduated from a top 14 law school, so I may be biased. I'm from the class of 2010, which means I graduated during the deep of the financial crisis, and even from a top 14 law school, we had a hard time finding good paying jobs. The NYTimes even had an ar...
by themesrob
Mon Mar 25, 2019 11:57 am
Forum: Personal Consumer Issues
Topic: Ireland & Scotland Do I Need Cash?
Replies: 24
Views: 2151

Re: Ireland & Scotland Do I Need Cash?

assuming you have an Ally debit card, withdraw from an ATM at the airport or at a bank near your hotel. Ally uses the Allpoint network, of which there are tons in the UK, and ATMs in Ireland are fee-free. Conventional wisdom now is that rarely if ever is it advantageous to obtain foreign currency be...