Search found 690 matches

by Trism
Sat Apr 04, 2020 5:53 am
Forum: Personal Consumer Issues
Topic: Work from home office set up
Replies: 7
Views: 830

Re: Work from home office set up

Honestly, I think you're over-complicating it. I've been working from home for 12+ years, and spend nearly all day looking at email, online meeting presentations, etc. I have a 15" laptop (as it came out of the box) connected to a $10 wired Microsoft mouse, and a desk that is as aesthetic as it is f...
by Trism
Sat Apr 04, 2020 5:25 am
Forum: Personal Consumer Issues
Topic: Should I cancel my travel in France and Belgium in mid May?
Replies: 75
Views: 5546

Re: Should I cancel my travel in France and Belgium in mid May?

I have a long weekend in Chicago with friends planned for late April/early May.

At this point, chances of actually going are practically zero, but I see no reason to cancel my lodging until the date gets closer (I haven't booked the flights).
by Trism
Sat Apr 04, 2020 5:21 am
Forum: Personal Consumer Issues
Topic: GOOD RX...What Is It?
Replies: 37
Views: 2848

Re: GOOD RX...What Is It?

My experience with GoodRX wasn't that great. I didn't have medical insurance at the time. I went to buy my two meds. One med wasn't offering a discount. It took the clerk 45 minutes to navigate the system to give me $3 off my other med. Meh. My understanding is that GoodRX is entered into the pharm...
by Trism
Sun Mar 08, 2020 4:21 pm
Forum: Personal Consumer Issues
Topic: Panera Coffee Subscription
Replies: 16
Views: 2161

Re: Panera Coffee Subscription

I have a coffee maker at home and at work. I make plenty of purchases that others would find illogical, but I will never understand the appeal of driving out of one's way, parking the car, and waiting in line to pay a premium for someone to serve hot brown caffeinated water. Hmm... I might have to ...
by Trism
Sun Mar 08, 2020 4:10 pm
Forum: Personal Consumer Issues
Topic: double-side tape to secure rug to floor - recommendations?
Replies: 20
Views: 963

Re: double-side tape to secure rug to floor - recommendations?

All three of the rug mats we have under our large area rugs have ruined (discolored) the carpet underneath. How so? Just curious. The mats eventually wear out/deteriorate and have to be replaced. As I mentioned above we've used them on 100% wool and silk orientals for 30 years and never a problem w...
by Trism
Sat Mar 07, 2020 5:33 pm
Forum: Personal Consumer Issues
Topic: double-side tape to secure rug to floor - recommendations?
Replies: 20
Views: 963

Re: double-side tape to secure rug to floor - recommendations?

All three of the rug mats we have under our large area rugs have ruined (discolored) the carpet underneath.
by Trism
Thu Mar 05, 2020 5:51 pm
Forum: Personal Consumer Issues
Topic: Traveling first time to Chicago - how many days
Replies: 13
Views: 677

Re: Traveling first time to Chicago - how many days

This is my favorite way to see Chicago.

https://www.chicagohelicopterexperience.com/

Last time I was there I picked up a deal on Groupon, but it's well worth retail price.
by Trism
Mon Mar 02, 2020 8:59 am
Forum: Personal Consumer Issues
Topic: Panera Coffee Subscription
Replies: 16
Views: 2161

Re: Panera Coffee Subscription

I have a coffee maker at home and at work.

I make plenty of purchases that others would find illogical, but I will never understand the appeal of driving out of one's way, parking the car, and waiting in line to pay a premium for someone to serve hot brown caffeinated water.
by Trism
Sun Mar 01, 2020 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: Poll: Break down your SPENDING by category
Replies: 22
Views: 2395

Re: Poll: Break down your SPENDING by category

Pet food is not a necessity, because neither is a pet. The word "necessity" is subjective in this post. Since my cats are family members to me, feeding them is a necessity. If you do not feel this same way, then it's not a necessity to you. I doubt that we all have the same lists. - Tim We have two...
by Trism
Sun Mar 01, 2020 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: Poll: Break down your SPENDING by category
Replies: 22
Views: 2395

Re: Poll: Break down your SPENDING by category

timboktoo wrote:
Tue Feb 25, 2020 7:22 pm

Necessities:
  • Pet Food
Probably not material here, but I just went through this with a friend who is having financial problems.

Pet food is not a necessity, because neither is a pet.
by Trism
Sun Mar 01, 2020 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Establishing Credit for a Recent Immigrant
Replies: 10
Views: 372

Re: Establishing Credit for a Recent Immigrant

This isn't directly responsive to your question, but your wife can be on the deed but not the mortgage. If you don't need her income to qualify, just leave her off the application, but put her name on the deed with yours. You should still start building her credit, and it only takes one trade line r...
by Trism
Sun Mar 01, 2020 4:34 pm
Forum: Personal Consumer Issues
Topic: Do you ever use cash?
Replies: 228
Views: 13447

Re: Do you ever use cash?

Several waitresses have told me that tips added to credit card payments frequently aren’t credited to the waitress or to the wrong waitress. Therefore, I tip in cash even if I use a credit card or a gift card. I am a good tipper; consequently, I receive excellent service at all of the local establi...
by Trism
Sun Mar 01, 2020 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Credit report confusion - missing CC, plus 3 different versions of my name, all with a unique Name ID #
Replies: 4
Views: 213

Re: Credit report confusion - missing CC, plus 3 different versions of my name, all with a unique Name ID #

Name variations don't matter. How new is the account that isn't reporting on one of the bureaus? The CC not reported is about 20 years old. We stopped using it years ago, but it is still open. A reason to add it would be to tweak our average credit age and get a slightly higher FICO score. Does not...
by Trism
Sun Mar 01, 2020 7:33 am
Forum: Personal Finance (Not Investing)
Topic: Pay off credit card bill before I actually recieve the bill? Credit rating implcations?
Replies: 23
Views: 1967

Re: Pay off credit card bill before I actually recieve the bill? Credit rating implcations?

This post reminded me of the 1990s when I used credit cards. Thanks for the trip down memory lane. Sadly, I have no advice for you on this topic as I no longer use credit cards. I save up and pay cash for things that I need. If I do not have the cash, I do not buy it. I don't buy anything without h...
by Trism
Sun Mar 01, 2020 7:30 am
Forum: Personal Finance (Not Investing)
Topic: Pay off credit card bill before I actually recieve the bill? Credit rating implcations?
Replies: 23
Views: 1967

Re: Pay off credit card bill before I actually recieve the bill? Credit rating implcations?

CreditWise, one of the credit score companies, says that credit utilization has a very high impact on score and that 0-10% is excellent, 11-30% good, 31-60% average and higher below average. It also says taht 46% are excellent, 20% good, 16% average and 18% below average, which seems an odd use of ...
by Trism
Sun Mar 01, 2020 7:27 am
Forum: Personal Finance (Not Investing)
Topic: Pay off credit card bill before I actually recieve the bill? Credit rating implcations?
Replies: 23
Views: 1967

Re: Pay off credit card bill before I actually recieve the bill? Credit rating implcations?

dknightd wrote:
Thu Feb 27, 2020 9:17 am
I have no plans to take out a loan.
Nothing else matters. Leave your money in the bank and take the float. This is what credit cards are for.

If you needed to get a mortgage next month and your scores were borderline for getting the best terms, I would have offered different advice.
by Trism
Sun Mar 01, 2020 7:09 am
Forum: Personal Finance (Not Investing)
Topic: Advice to improve credit?
Replies: 10
Views: 557

Re: Advice to improve credit?

one thing my brother in law suggested was that she take out a loan against her car for a small amount (maybe 1/2 the value) and find a credit union with very low rates, and make monthly payment for 6-9 months and then pay it off in full. This would help thicken her credit file and may marginally he...
by Trism
Sun Mar 01, 2020 6:16 am
Forum: Personal Consumer Issues
Topic: Citi double cash maximization
Replies: 24
Views: 2742

Re: Citi double cash maximization

Best way to maximize a cash back card is to stack it with more cash back offers. I'd look into pairing it with the Rakuten shopping portal. Converting to ThankYou points isn't really a good deal unless you want to earn jetBlue points. I agree with the sentiment, but Rakuten (formerly Ebates) genera...
by Trism
Sat Feb 29, 2020 5:25 pm
Forum: Personal Consumer Issues
Topic: Citi double cash maximization
Replies: 24
Views: 2742

Re: Citi double cash maximization

The Double Cash is one of a number of 2% cards on the market, but it's the only one that makes 2% back confusing to some people.
by Trism
Sat Feb 29, 2020 9:05 am
Forum: Personal Consumer Issues
Topic: Do you ever use cash?
Replies: 228
Views: 13447

Re: Do you ever use cash?

https://www.google.com/amp/s/www.forbes.com/sites/billhardekopf/2018/07/16/do-people-really-spend-more-with-credit-cards/amp/ Several studies indicating it cost a person more using a credit card than cash. Cash is king. Here's a survey that shows that the average American household has $16,420 in s...
by Trism
Thu Feb 27, 2020 11:26 am
Forum: Personal Consumer Issues
Topic: coronavirus and your health insurance cost
Replies: 8
Views: 920

Re: coronavirus and your health insurance cost

This article isn't about my health insurance cost, it's about the out-of-pocket expenses a guy in Miami had to pay as a direct result of canceling a higher-quality health insurance policy because he prioritized other expenses over the $400/month the plan was costing him. The topic also isn't actiona...
by Trism
Thu Feb 27, 2020 5:26 am
Forum: Personal Consumer Issues
Topic: Certificates or no certificates when purchasing tires as Discount Tires?
Replies: 20
Views: 3379

Re: Certificates or no certificates when purchasing tires as Discount Tires?

We have accidental death and dismemberment coverage on our coffee maker for only $1.99 a month. ;)
by Trism
Wed Feb 26, 2020 7:13 pm
Forum: Personal Consumer Issues
Topic: Do you ever use cash?
Replies: 228
Views: 13447

Re: Do you ever use cash

So you want to go through the hassle of calling the attention and take the undue risk they might not accept your explanation? OK, go for it. (And yes, they are victims, dear blame-the-victim.) There are bigger risks to carrying around wads of cash, and zero purchase protections on the things you bu...
by Trism
Wed Feb 26, 2020 11:17 am
Forum: Personal Consumer Issues
Topic: Do you ever use cash?
Replies: 228
Views: 13447

Re: Do you ever use cash

People who realize that they are less likely to be victims of fraud and can preserve some privacy when using cash. I know there are safeguards against credit fraud and privacy is a quaint notion but who wants the attendant hassles? I use cash for small purchases and in certain establishments. Credi...
by Trism
Wed Feb 26, 2020 9:51 am
Forum: Personal Consumer Issues
Topic: Iphone cords / cables
Replies: 51
Views: 4025

Re: Iphone cords / cables

I hope the EU forces Apple to change to USB-C. Heaven forbid letting the market decide. Market doesn't get to decide anything in an oligopoly. Most people aren't carrying around a Samsung phone and an Apple phone. Let's say I'm wrong, though. How much space do two different cords take up? My phone ...
by Trism
Wed Feb 26, 2020 9:49 am
Forum: Personal Consumer Issues
Topic: Avis charging for existing damage on rental car
Replies: 111
Views: 7628

Re: Avis charging for existing damage on rental car

OP: This is horrible. At first, I was blaming you as you did not report the damage. Then I saw that you had CDW. Now I blame them. I always assume that it covers everything. I learned something new here. Next time I will ask them for a list of exceptions. The C in C DW stands for collision . I don'...
by Trism
Wed Feb 26, 2020 8:16 am
Forum: Personal Consumer Issues
Topic: The "Stuff" Happens Fund - for when life's not fair
Replies: 10
Views: 1275

Re: The "Stuff" Happens Fund - for when life's not fair

I wholeheartedly agree with the sentiment.

Try to ask yourself, "What can I learn from this mistake so I can avoid making it again?"

And...

"How can I apply this lesson to other situations?"

I'm by no means perfect, so I always try to look for my share of the blame... which is rarely zero.
by Trism
Wed Feb 26, 2020 8:10 am
Forum: Personal Consumer Issues
Topic: Avis charging for existing damage on rental car
Replies: 111
Views: 7628

Re: Avis charging for existing damage on rental car

OP: This is horrible. At first, I was blaming you as you did not report the damage. Then I saw that you had CDW. Now I blame them. I always assume that it covers everything. I learned something new here. Next time I will ask them for a list of exceptions. The C in C DW stands for collision . I don'...
by Trism
Wed Feb 26, 2020 7:10 am
Forum: Personal Consumer Issues
Topic: Avis charging for existing damage on rental car
Replies: 111
Views: 7628

Re: Avis charging for existing damage on rental car

OP: This is horrible. At first, I was blaming you as you did not report the damage. Then I saw that you had CDW. Now I blame them. I always assume that it covers everything. I learned something new here. Next time I will ask them for a list of exceptions. The C in C DW stands for collision . I don'...
by Trism
Wed Feb 26, 2020 4:04 am
Forum: Personal Consumer Issues
Topic: Iphone cords / cables
Replies: 51
Views: 4025

Re: Iphone cords / cables

I hope the EU forces Apple to change to USB-C. Heaven forbid letting the market decide. Market doesn't get to decide anything in an oligopoly. Most people aren't carrying around a Samsung phone and an Apple phone. Let's say I'm wrong, though. How much space do two different cords take up? My phone ...
by Trism
Tue Feb 25, 2020 7:11 pm
Forum: Personal Consumer Issues
Topic: Do you ever use cash?
Replies: 228
Views: 13447

Re: Do you ever use cash

Only three kinds of people use cash: Old fashioned people who can't change their habits Paranoid people who think cash is more secure People who fear their spending would go wild with credit cards People who realize that they are less likely to be victims of fraud and can preserve some privacy when...
by Trism
Tue Feb 25, 2020 11:42 am
Forum: Personal Consumer Issues
Topic: Do you ever use cash?
Replies: 228
Views: 13447

Re: Do you ever use cash?

Only three kinds of people use cash: Old fashioned people who can't change their habits Paranoid people who think cash is more secure People who fear their spending would go wild with credit cards People who realize that they are less likely to be victims of fraud and can preserve some privacy when...
by Trism
Tue Feb 25, 2020 7:21 am
Forum: Personal Consumer Issues
Topic: Credit Card cancelled for non-use?
Replies: 25
Views: 2970

Re: Credit Card cancelled for non-use?

Well, looks like Shell has cancelled my account, supposedly they sent a letter. I don't remember getting a letter stating basically that because of an AUDIT they would not send new cards, is what customer service said????? It's my oldest CC Dec 2004, last statement was Aug 2017.... I know i had rea...
by Trism
Tue Feb 25, 2020 7:15 am
Forum: Personal Consumer Issues
Topic: Do you ever use cash?
Replies: 228
Views: 13447

Re: Do you ever use cash?

I use cash at those hole-in-the-wall places when I order take out so that the owners don't have to pay the transaction fees for credit cards. I also tend to use cash for small purchases (anything below $10) so that I don't have so many items to verify on my credit card statement when it comes aroun...
by Trism
Mon Feb 24, 2020 8:02 am
Forum: Personal Consumer Issues
Topic: Iphone cords / cables
Replies: 51
Views: 4025

Re: Iphone cords / cables

GeoffD wrote:
Mon Feb 24, 2020 6:59 am
I hope the EU forces Apple to change to USB-C.
Heaven forbid letting the market decide.
by Trism
Mon Feb 24, 2020 7:59 am
Forum: Personal Consumer Issues
Topic: Car shopping PHEV / ICE / or all electric?
Replies: 67
Views: 5180

Re: Car shopping PHEV / ICE / or all electric?

Why not just buy the beemer you are leasing? BMW residuals are inflated to keep the lease payments low. It's hard to imagine a scenario where buying a BMW at lease end makes financial sense. It would be wiser to buy a different, similar car for market value instead. BMW = Bring Money Withya I B rou...
by Trism
Mon Feb 24, 2020 7:56 am
Forum: Personal Consumer Issues
Topic: Costco Tires
Replies: 95
Views: 8066

Re: Costco Tires

Costco has high quality tires and good prices, especially on sale. I have bought there before but found it inconvenient when getting tires rotated. Also, they do not do front end alignments which are often desired when buying new tires. I have found my dealership to be a good option. I can get tire...
by Trism
Mon Feb 24, 2020 7:41 am
Forum: Personal Consumer Issues
Topic: Messages Posted on Rural Mailbox: Allowed or Not?
Replies: 12
Views: 1890

Re: Messages Posted on Rural Mailbox: Allowed or Not?

Once in a while, run with scissors.
by Trism
Mon Feb 24, 2020 6:53 am
Forum: Personal Consumer Issues
Topic: Costco for tires and batteries
Replies: 38
Views: 2427

Re: Costco for tires and batteries

Where do you people live that you’re burning through car batteries? Venus? I’m in a cool climate. Batteries last 8+ years. If I need a battery, I drive to the local auto parts store with a coupon from their web site, unbolt my battery, bring it into the store, buy a replacement, and install it. I b...
by Trism
Mon Feb 24, 2020 6:38 am
Forum: Personal Consumer Issues
Topic: How often do you need new car tires?
Replies: 50
Views: 4036

Re: How often do you need new car tires?

Tire life is inversely proportional to how engaging a car is to drive.
by Trism
Mon Feb 24, 2020 6:21 am
Forum: Personal Consumer Issues
Topic: Toy overload alternatives for grandparents
Replies: 104
Views: 5655

Re: Toy overload alternatives for grandparents

Spend money on: *books - they don't take up a lot of space and have more benefit than another random toy that won't be used (and whose parts will be lost) Make sure the kid likes books. No amount of wishing a kid would like books will make a kid who doesn't like books like books. I was one such kid...
by Trism
Mon Feb 24, 2020 6:14 am
Forum: Personal Consumer Issues
Topic: Iphone cords / cables
Replies: 51
Views: 4025

Re: Iphone cords / cables

MN-Investor wrote:
Thu Feb 13, 2020 12:42 pm
Make the children buy the cords? They might last longer.
This was going to be my suggestion.

Or let them trade in the old cord for a new one instead of something else they hoped to receive (pizza lunch planned for Saturday, for example).
by Trism
Mon Feb 24, 2020 6:10 am
Forum: Personal Consumer Issues
Topic: Costco for tires and batteries
Replies: 38
Views: 2427

Re: Costco for tires and batteries

Where do you people live that you’re burning through car batteries? Venus? I’m in a cool climate. Batteries last 8+ years. If I need a battery, I drive to the local auto parts store with a coupon from their web site, unbolt my battery, bring it into the store, buy a replacement, and install it. I b...
by Trism
Mon Feb 24, 2020 5:42 am
Forum: Personal Consumer Issues
Topic: Costco Tires
Replies: 95
Views: 8066

Re: Costco Tires

If you need to replace or repair a tire later it may take several days to get an appointment, or you''ll have to wait forever (HOURS) if you just drop in.

And their prices are no better than Discount Tire, where they excel at service (at no additional cost -- and they're usually even less).
by Trism
Mon Feb 24, 2020 5:34 am
Forum: Personal Consumer Issues
Topic: Help an Overthinker Pull the Trigger on a Used SUV Purchase
Replies: 34
Views: 2591

Re: Help an Overthinker Pull the Trigger on a Used SUV Purchase

Additionally, the plan is to put 10K down and finance the remainder on a ~20K vehicle. This makes sense in my head as it brings the monthly payment down, unsure if there's anything I might not be factoring in. Assuming good credit (and therefore low APR), putting 10k down doesn't reduce your overal...
by Trism
Mon Feb 24, 2020 5:19 am
Forum: Personal Consumer Issues
Topic: Costco for tires and batteries
Replies: 38
Views: 2427

Re: Costco for tires and batteries

Gas prices at Costco will also help pay the membership. Wife and I drove over this morning to fill up our cars - $2.099 versus $2.359 at the cheapest alternative in the area. Saved 7 bucks. This is heavily dependent on where you live, and is absolutely not true where I am. I have multiple options a...
by Trism
Sun Feb 23, 2020 7:47 pm
Forum: Personal Consumer Issues
Topic: Car shopping PHEV / ICE / or all electric?
Replies: 67
Views: 5180

Re: Car shopping PHEV / ICE / or all electric?

mhalley wrote:
Sun Feb 23, 2020 7:41 pm
Why not just buy the beemer you are leasing?
BMW residuals are inflated to keep the lease payments low.

It's hard to imagine a scenario where buying a BMW at lease end makes financial sense.

It would be wiser to buy a different, similar car for market value instead.
by Trism
Sun Feb 23, 2020 4:37 pm
Forum: Personal Consumer Issues
Topic: Assuming you were going to buy a cargo van (new vs carmax)...
Replies: 43
Views: 2401

Re: Assuming you were going to buy a cargo van (new vs carmax)...

What is the approximate daily/weekly cost to rent a suitable van when you want to use one? With anticipated usage in an average year, how does that compare to annual costs of owning (including depreciation, maintenance, repairs, insurance, etc.)? Not sure how to answer this other than saying, the c...
by Trism
Sun Feb 23, 2020 7:00 am
Forum: Personal Consumer Issues
Topic: Assuming you were going to buy a cargo van (new vs carmax)...
Replies: 43
Views: 2401

Re: Assuming you were going to buy a cargo van (new vs carmax)...

What is the approximate daily/weekly cost to rent a suitable van when you want to use one?

With anticipated usage in an average year, how does that compare to annual costs of owning (including depreciation, maintenance, repairs, insurance, etc.)?