Search found 561 matches

by Trism
Sat Apr 20, 2019 1:52 pm
Forum: Personal Consumer Issues
Topic: Washing Machine that uses a LOT of Water
Replies: 73
Views: 4227

Re: Washing Machine that uses a LOT of Water

All those steps must be hyperbole too or you must have a horrible machine or very, very dirty clothes. All what steps? I set the machine and press the start button. In order to match the cleaning results of our old top loader, on our front loader we: - Cut the load size by 1/3 to 1/2 - Set the pre-...
by Trism
Sat Apr 20, 2019 1:25 pm
Forum: Personal Consumer Issues
Topic: Washing Machine that uses a LOT of Water
Replies: 73
Views: 4227

Re: Washing Machine that uses a LOT of Water

My Samsung front loader uses about 13 gallons of water per load, so it is hardly tablespoons. And that is on the normal setting. https://i.imgur.com/xx37Nms.png All those steps must be hyperbole too or you must have a horrible machine or very, very dirty clothes. All what steps? I set the machine a...
by Trism
Sat Apr 20, 2019 11:52 am
Forum: Personal Consumer Issues
Topic: Washing Machine that uses a LOT of Water
Replies: 73
Views: 4227

Re: Washing Machine that uses a LOT of Water

Also:

By a show of hands, how many people would purchase a car that required you to leave the door open when it wasn't in use to prevent mold and mildew from developing inside?
by Trism
Sat Apr 20, 2019 11:50 am
Forum: Personal Consumer Issues
Topic: Washing Machine that uses a LOT of Water
Replies: 73
Views: 4227

Re: Washing Machine that uses a LOT of Water

In order to match the cleaning results of our old top loader, on our front loader we: - Cut the load size by 1/3 to 1/2 - Set the pre-soak cycle to one hour (the max) - Add the steam-clean cycle to the beginning - Set the water temperature one setting warmer than the front loader (hot instead of wa...
by Trism
Sat Apr 20, 2019 11:16 am
Forum: Personal Consumer Issues
Topic: Washing Machine that uses a LOT of Water
Replies: 73
Views: 4227

Re: Washing Machine that uses a LOT of Water

In order to match the cleaning results of our old top loader, on our front loader we: - Cut the load size by 1/3 to 1/2 - Set the pre-soak cycle to one hour (the max) - Add the steam-clean cycle to the beginning - Set the water temperature one setting warmer than the front loader (hot instead of wa...
by Trism
Sat Apr 20, 2019 9:47 am
Forum: Personal Consumer Issues
Topic: Windows 7 end of support - Jan 14, 2020
Replies: 69
Views: 3624

Re: Windows 7 end of support - Jan 14, 2020

"Milked?" That's like saying someone is getting milked for repairs on a 14-year-old car whose warranty expired in 2008. The difference, to me at least, is that car maintenance generally deals with wear and tear of a mechanical product while all those security fixes over the 10 year lifetime of Wind...
by Trism
Sat Apr 20, 2019 9:35 am
Forum: Personal Consumer Issues
Topic: fun car advice
Replies: 140
Views: 9037

Re: fun car advice

Reconsider an early NA Miata. I just picked up an immaculate red 91 that looks like it just came off the assembly line with only 18,000 miles. I paid 8K for it and it might just be the best purchase I ever made. It is a blast to drive. What is "NA"? The standard Miatas of that vintage look only mar...
by Trism
Sat Apr 20, 2019 8:38 am
Forum: Personal Consumer Issues
Topic: Apple MacBook Air - what to do next.
Replies: 45
Views: 2726

Re: Apple MacBook Air - what to do next.

LuigiLikesPizza wrote:
Sat Apr 20, 2019 8:35 am
Any battery extending tips for stretching this out until I can get time off to go to an Apple store?

powering it off completely, etc. - something like that? I may inadvertently be making the battery burn out sooner through my usage habits?
What exactly are your usage habits?
by Trism
Sat Apr 20, 2019 8:32 am
Forum: Personal Consumer Issues
Topic: Trip to Central Asia. Do you need a CC?
Replies: 44
Views: 2357

Re: Trip to Central Asia. Do you need a CC?

When I travel outside the US I always take at least four credit cards (V/MC).

I keep two with me, and keep two elsewhere (hotel safe, or inside the liner of my luggage) in case the two I carry are lost or stolen.
by Trism
Sat Apr 20, 2019 8:24 am
Forum: Personal Consumer Issues
Topic: Washing Machine that uses a LOT of Water
Replies: 73
Views: 4227

Re: Washing Machine that uses a LOT of Water

In order to match the cleaning results of our old top loader, on our front loader we: - Cut the load size by 1/3 to 1/2 - Set the pre-soak cycle to one hour (the max) - Add the steam-clean cycle to the beginning - Set the water temperature one setting warmer than the front loader (hot instead of war...
by Trism
Sat Apr 20, 2019 8:08 am
Forum: Personal Consumer Issues
Topic: Apple MacBook Air - what to do next.
Replies: 45
Views: 2726

Re: Apple MacBook Air - what to do next.

Any idea as to the ease of opening this up and putting a new one in? I really am clueless, don't even own any tools. But thanks I've only replaced batteries on PC laptops, which basically snap out and back in. Briefly looking at Youtube it looks like it's a little more involved (removing the cover ...
by Trism
Sat Apr 20, 2019 8:02 am
Forum: Personal Consumer Issues
Topic: Apple MacBook Air - what to do next.
Replies: 45
Views: 2726

Re: Apple MacBook Air - what to do next.

New batteries are $50-60 on Amazon.
by Trism
Sat Apr 20, 2019 7:59 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 825
Views: 81443

Re: What frugal thing did you do today?

I was going to order a $6 terra cotta "brown sugar bear" to rehydrate 2/3 of a bag of rock-hard brown sugar. After 10 seconds of research it was obvious I could accomplish the same thing in under a minute with a bowl, a damp paper towel and a microwave. Alternately I could have thrown the brown suga...
by Trism
Sat Apr 20, 2019 7:21 am
Forum: Personal Consumer Issues
Topic: Windows 7 end of support - Jan 14, 2020
Replies: 69
Views: 3624

Re: Windows 7 end of support - Jan 14, 2020

Microsoft milked XP users who needed support and they'll likely profit handsomely on 7. Navy pays Microsoft $9 million a year for Windows XP https://money.cnn.com/2015/06/26/technology/microsoft-windows-xp-navy-contract/index.html Navy Accelerates Migration to Windows 7 https://www.doncio.navy.mil/...
by Trism
Sat Apr 20, 2019 6:49 am
Forum: Personal Consumer Issues
Topic: Advice on non warrantable condo in Bellingham
Replies: 17
Views: 1469

Re: Advice on non warrantable condo in Bellingham

However, the condo is non warrantable, meaning that home loans can't involve Freddy or Fanny, and a portfolio loan is required usually from a smaller to medium sized bank. The portfolio loan is kept in the bank, and it is significantly harder to get with interest rates a little higher and a large d...
by Trism
Sat Apr 20, 2019 6:30 am
Forum: Personal Consumer Issues
Topic: fun car advice
Replies: 140
Views: 9037

Re: fun car advice

Reconsider an early NA Miata. I just picked up an immaculate red 91 that looks like it just came off the assembly line with only 18,000 miles. I paid 8K for it and it might just be the best purchase I ever made. It is a blast to drive. What is "NA"? The standard Miatas of that vintage look only mar...
by Trism
Sun Apr 14, 2019 7:08 pm
Forum: Personal Consumer Issues
Topic: Luxury car recommendations?
Replies: 107
Views: 9393

Re: Luxury car recommendations?

AQ wrote:
Sun Apr 14, 2019 5:20 pm
low end luxury car, with no specific criteria in mind
Proposed/estimated budget would be helpful. New? Buy or lease?
by Trism
Sun Apr 14, 2019 6:38 pm
Forum: Personal Consumer Issues
Topic: Are Airport Lounges Worth the Money?
Replies: 95
Views: 8244

Re: Are Airport Lounges Worth the Money?

Value is personal. Buy a day pass or a one-time admission each of the next few times you fly and decide for yourself.
by Trism
Sun Apr 14, 2019 6:29 pm
Forum: Personal Consumer Issues
Topic: new car thoughts
Replies: 15
Views: 2480

Re: new car thoughts

We have a Lexus RX.

I assure you there is no prestige walking out of the grocery store and trying to pick out ours from the other 77 silver RXs in the parking lot.

It's also a ridiculously boring car, but not as boring as the other two you are considering.
by Trism
Sun Apr 14, 2019 4:43 pm
Forum: Personal Consumer Issues
Topic: [Our account on] walmart.com Hacked - Fraudulent purchase
Replies: 9
Views: 1316

Re: [Our account on] walmart.com Hacked - Fraudelent purchase

Summit111 wrote:
Mon Apr 08, 2019 5:17 pm
Never use a debit card except for ATM withdrawals at your banks ATM...Too much risk...

Summit.
This times infinity
by Trism
Sun Apr 14, 2019 4:36 pm
Forum: Personal Consumer Issues
Topic: Any tips for getting status back with American?
Replies: 17
Views: 1952

Re: Any tips for getting status back with American?

I retired almost two years ago. Until then I had the top tier with AA due to flying quite often. Since then they made me a lifetime gold member I believe it's called. I get priority boarding and an extra bag check. I've been using frequent flyer miles since retirement. I noticed in FLL last week th...
by Trism
Sun Apr 07, 2019 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Making loan payment with Credit Card
Replies: 8
Views: 723

Re: Making loan payment with Credit Card

A number of card issuers allow you to set adjust the cash advance limit to $0 or $1 or something else very small.

If you call and make the adjustment on your account, the transaction will be declined if the merchant treats the transaction as a cash advance.
by Trism
Tue Apr 02, 2019 7:58 am
Forum: Personal Consumer Issues
Topic: Banff/Lake Louise Winter Trip
Replies: 5
Views: 809

Re: Banff/Lake Louise Winter Trip

The Fairmont Chateau Lake Louise is fantastic. They have a Hertz counter inside the hotel. With that said... A rental car picked up at the Calgary airport and used for the duration of your trip would probably be less expensive AND more convenient than booking an airport shuttle both ways for four pe...
by Trism
Sun Mar 24, 2019 3:28 am
Forum: Personal Finance (Not Investing)
Topic: MM Rates [Money Market]
Replies: 21
Views: 3145

Re: MM Rates

If you have any meaningful amount of money in a credit union savings account, for example, you need to get your head out of the sand and look around. Too many people have bought into the folksy "we answer to members, not shareholders" nonsense and assume they have a competitive APY, but a lot of th...
by Trism
Sat Mar 23, 2019 8:40 am
Forum: Personal Consumer Issues
Topic: Global Entry Application turnaround times?
Replies: 35
Views: 2800

Re: Global Entry Application turnaround times?

Trism wrote:
Wed Mar 06, 2019 7:22 pm
I submitted my renewal application and paid the fee on 1/6/19 and I'm still waiting. Took 25+ minutes to get through the security line at TUS today.
My renewal was approved yesterday, 75 days from application.
by Trism
Sat Mar 23, 2019 7:25 am
Forum: Personal Finance (Not Investing)
Topic: Buying real estate at tax lien auction
Replies: 7
Views: 687

Re: Buying real estate at tax lien auction

I own a piece of property which I plan to live on. Next to the property is a lot with quite a bit of road frontage, but of little use to another buyer as it is oddly shaped and my driveway runs through the property at one end. This driveway has been there for over 25 years and at this point I do no...
by Trism
Sat Mar 23, 2019 7:17 am
Forum: Personal Finance (Not Investing)
Topic: Refinancing 4.125% 30-year fixed mortgage
Replies: 25
Views: 2239

Re: Refinancing 4.125% 30-year fixed mortgage

If you can get a $4,277 credit on a 4% interest rate, you can get a lower rate by taking a smaller credit (or paying some/all of the fees out of pocket). That's how mortgage pricing works. Look at the long-term net costs of all scenarios and pick the best one. Make sure to use a realistic duration f...
by Trism
Sat Mar 23, 2019 7:08 am
Forum: Personal Finance (Not Investing)
Topic: MM Rates [Money Market]
Replies: 21
Views: 3145

Re: MM Rates

My suggestion is to keep it simple. Find one place and stay there. Modest differences over the years and these rates really don’t move the needle in any material way This depends heavily on the one place you initially chose. If you have any meaningful amount of money in a credit union savings accou...
by Trism
Sat Mar 23, 2019 7:00 am
Forum: Personal Finance (Not Investing)
Topic: Grandfathered into BofA/ME Preferred Benefits?
Replies: 3
Views: 522

Re: Grandfathered into BofA/ME Preferred Benefits?

Impossible to know the answer. I use the credit cards and bank accounts that best serve my needs in the present . I have no way of knowing if the same terms will apply in the future, if my needs will even be the same, or if competitors will come out with even better offerings later. You can always s...
by Trism
Sat Mar 23, 2019 6:53 am
Forum: Personal Finance (Not Investing)
Topic: Finding a Personal Finance Marriage Counselor
Replies: 34
Views: 3460

Re: Finding a Personal Finance Marriage Counselor

We worked this out before we got married.

Part of dating is determining compatibility, and there are very few topics as critical as finances.

Not helpful to OP, but for anyone else who thinks you'll resolve this later... chances are overwhelming that you will not.
by Trism
Thu Mar 21, 2019 9:26 am
Forum: Personal Consumer Issues
Topic: Toyota Sienna minivan for road trips
Replies: 23
Views: 1418

Re: Toyota Sienna minivan for road trips

With proper training, permits and safety equipment/apparel you could probably also use it to haul hazardous waste. But would you ? of course not but why would you ask :confused That is a very big stretch from camping gear/travel gear to hazardous waste hauler. Are you trying say I need a different ...
by Trism
Thu Mar 21, 2019 8:33 am
Forum: Personal Consumer Issues
Topic: How to buy a mattress
Replies: 59
Views: 5714

Re: How to buy a mattress

I purchased a new mattress about a year ago after extensive research. I would firmly advise you to stay away from any online mattress from Casper, Purple, Lisa, Tuft and Needle, etc. After hearing a number of great reviews about the ease and value of these new online, shipped-in-box mattress compan...
by Trism
Thu Mar 21, 2019 8:23 am
Forum: Personal Consumer Issues
Topic: Being a Boglehead and car enthusiast stinks
Replies: 72
Views: 4498

Re: Being a Boglehead and car enthusiast stinks

Someone in a recent thread actually said that the Toyota Corolla is one of the most fun-to-drive cars ever. :shock: Yah, I think they were confused about the model. What they meant to say is that the Toyota engine'd Lotus Exige S was the most fun to drive car ever. There seems to be a common belief...
by Trism
Thu Mar 21, 2019 8:05 am
Forum: Personal Finance (Not Investing)
Topic: Best Bank for Newlyweds
Replies: 27
Views: 1397

Re: Best Bank for Newlyweds

You need to analyze your needs and requirements, and then find the best match.

There is no best bank, just like there is no best soup.
by Trism
Thu Mar 21, 2019 7:18 am
Forum: Personal Consumer Issues
Topic: Being a Boglehead and car enthusiast stinks
Replies: 72
Views: 4498

Re: Being a Boglehead and car enthusiast stinks

Most of the car discussion here makes me cringe, so I stay out of it.

I wouldn't drive a Honda Fit to a rooster fight.

Someone in a recent thread actually said that the Toyota Corolla is one of the most fun-to-drive cars ever. :shock:
by Trism
Thu Mar 21, 2019 7:11 am
Forum: Personal Consumer Issues
Topic: Suggestions for Landline Alternatives (Ooma, Magic Jack, etc.)
Replies: 56
Views: 2192

Re: Suggestions for Landline Alternatives (Ooma, Magic Jack, etc.)

I work from home full-time. I cannot do my job without a phone. I have Ooma, and use it for hours a day on business calls. It works 100% of the time with perfect call quality. It even worked perfectly when I had 5 Mbps service that was shared with my laptop (connected to my employer's network over V...
by Trism
Thu Mar 21, 2019 7:00 am
Forum: Personal Consumer Issues
Topic: transportation from DFW to Dallas downtown?
Replies: 14
Views: 912

Re: transportation from DFW to Dallas downtown?

Business trip and public transportation don't go together Vacations and public transportation rarely go together either, with some notable exceptions like Hong Kong or Tokyo. Dallas? Never. {Edited: Actually I didn't use public transportation to/from the airport in HK or Tokyo either... too much tr...
by Trism
Wed Mar 20, 2019 9:29 am
Forum: Personal Consumer Issues
Topic: New carry-on policy at United Airlines?
Replies: 47
Views: 3601

Re: New carry-on policy at United Airlines?

It appears United has a new carry-on luggage practice. On my most recent business trip, after groups 1 and 2 boarded and just as they started to board group 3, they announced that no further carry-on bags that didn't fit under the seat would be allowed on the plane. I fly frequently on business (ar...
by Trism
Wed Mar 20, 2019 9:13 am
Forum: Personal Consumer Issues
Topic: Toyota Sienna minivan for road trips
Replies: 23
Views: 1418

Re: Toyota Sienna minivan for road trips

Dear Wife and I am recently retired. I am looking at a new or very lightly used Toyota Sienna for road trips. DW has a 2018 Toyota Corolla. I have a 2012 Toyota Corolla with 60k miles and thinking of trading it in for the Sienna. I believe the Sienna would be much nicer for long road trips with fol...
by Trism
Wed Mar 20, 2019 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Fraudulent credit balance transfer on my credit card - bank says "too bad"
Replies: 29
Views: 3882

Re: Fraudulent credit balance transfer on my credit card - bank says "too bad"

Raymond wrote:
Mon Mar 18, 2019 6:14 am
USAA
This was going to be my second guess, after "local credit union."
by Trism
Wed Mar 20, 2019 9:06 am
Forum: Personal Finance (Not Investing)
Topic: Fraudulent credit balance transfer on my credit card - bank says "too bad"
Replies: 29
Views: 3882

Re: Fraudulent credit balance transfer on my credit card - bank says "too bad"

Have the fraudulent transactions appeared on your credit card statement yet and if so, did you dispute in writing? If not, the FCBA (Fair Credit Billing Act) will apply once you are billed for the transactions and you dispute in writing. To invoke those protections, you must dispute the charge in w...
by Trism
Wed Mar 20, 2019 8:31 am
Forum: Personal Finance (Not Investing)
Topic: How Important is a Credit Score?
Replies: 86
Views: 3884

Re: How Important is a Credit Score?

Look into NACA. This is who I got my mortgage through. 15 years, 0.125% rate. No down payment. No closing costs. No PMI. They do not care about your credit score, only your ability to repay. 0.125% interest rate on a mortgage? Something is wrong here. When I locked in 2015, the rate at the time was...
by Trism
Wed Mar 20, 2019 7:34 am
Forum: Personal Finance (Not Investing)
Topic: How Important is a Credit Score?
Replies: 86
Views: 3884

Re: How Important is a Credit Score?

Since having a good credit score is certainly advantageous to having no or a bad credit score, I see no reason not to have one. It’s incredibly easy, and free, to have a good credit score. If you’re looking at mortgages, you would severely limit your choices of lender by having no credit score. Thi...
by Trism
Wed Mar 20, 2019 7:29 am
Forum: Personal Finance (Not Investing)
Topic: Cash back credit card w/o annual fee and w/o foreign transaction fee
Replies: 24
Views: 1707

Re: Cash back credit card w/o annual fee and w/o foreign transaction fee

Put $500 in their checking account and get a full 2% cash back with the PenFed Power Cash Rewards VISA Signature® Card. No annual fees, no foreign transaction fees, and chip and pin available for use which comes in handy internationally. https://www.creditcards.com/reviews/penfed-power-cash-rewards...
by Trism
Wed Mar 20, 2019 7:09 am
Forum: Personal Finance (Not Investing)
Topic: How Important is a Credit Score?
Replies: 86
Views: 3884

Re: How Important is a Credit Score?

I don't know why anyone would want to forego 2%-5% back or more on almost everything they are going to buy anyway. The last part is key. Over a lifetime this is real money. Statistically you are more likely to spend more than 2-5% when you use a credit card. Statistically I would be revolving thous...
by Trism
Tue Mar 19, 2019 8:21 am
Forum: Personal Consumer Issues
Topic: Visiting Tucson, AZ for 3 days - what to see?
Replies: 46
Views: 1701

Re: Visiting Tucson, AZ for 3 days - what to see?

I was there a couple of weeks ago. 3 days sounds like 2.5 too many if you've seen a desert before.
by Trism
Tue Mar 19, 2019 7:44 am
Forum: Personal Consumer Issues
Topic: What are the purposes of your travels?
Replies: 60
Views: 3458

Re: What are the purposes of your travels?

[deleted - not responsive to OP's questions]
by Trism
Tue Mar 19, 2019 7:36 am
Forum: Personal Consumer Issues
Topic: Garbage Disposal: So many choices out there. How do you decide which one?
Replies: 54
Views: 3491

Re: Garbage Disposal: So many choices out there. How do you decide which one?

I started researching this last year when I needed a new one.

As soon as I realized I had spent an hour researching a $100-300 item I bought the one with the best reviews on homedepot.com in the middle of that range and rolled the dice.