Search found 768 matches

by davebo
Mon Feb 19, 2018 12:14 pm
Forum: Personal Consumer Issues
Topic: Sams Club vs Costco
Replies: 65
Views: 4784

Re: Sams Club vs Costco

I've been a member at both, but I prefer Costco. Costco has a better meat department, wine, bakery, and the clothes they sell there are higher quality. As others have mentioned, the Kirkland brand is very high quality and you can save a lot if you just purchased that. Plus Sam's seems dingy and dirt...
by davebo
Thu Feb 15, 2018 6:58 pm
Forum: Personal Consumer Issues
Topic: Direct Primary Care-Anyone use it?
Replies: 11
Views: 956

Re: Direct Primary Care-Anyone use it?

So with $150 a month, how do you get your insurance company to pay for that? And if something more is needed, then what happens? Your insurance deductible starts then? Or ....? No, you can't bill the insurance company. If you go to a specialist, you're basically starting at $0 on the deductible.
by davebo
Thu Feb 15, 2018 6:57 pm
Forum: Personal Consumer Issues
Topic: How do docs treat "white coat hypertension"?
Replies: 35
Views: 2059

Re: How do docs treat "white coat hypertension"?

You are not alone. I check my BP usually daily with a OMRON machine and as others have said it varies somewhat according to time of day, but is usually at or under the generally accepted 120/80. Go for my annual checkup and the BP is usually 10 to 15 points higher at the Dr's office. I am constantl...
by davebo
Thu Feb 15, 2018 6:48 pm
Forum: Personal Consumer Issues
Topic: Direct Primary Care-Anyone use it?
Replies: 11
Views: 956

Direct Primary Care-Anyone use it?

I was going to put this into my other thread, but didn't want to muddy the waters. My in-laws recently started at a new doc and they absolutely love it there. I hadn't heard of Direct Primary Care, so I'll just explain it here in case you haven't heard of it. You pay a monthly fee for access to the ...
by davebo
Thu Feb 15, 2018 5:57 pm
Forum: Personal Consumer Issues
Topic: How do docs treat "white coat hypertension"?
Replies: 35
Views: 2059

Re: How do docs treat "white coat hypertension"?

Check it at home, keep a record, give it to your doc on exam day. Agreed. Anyways, even if it was a little high rest assured the treatment is diet and exercise. We get more upset when folks want a pill just because their number says it is 142/80 instead of 138/80. Also, keep in mind MANY things inc...
by davebo
Thu Feb 15, 2018 5:21 pm
Forum: Personal Consumer Issues
Topic: How do docs treat "white coat hypertension"?
Replies: 35
Views: 2059

Re: How do docs treat "white coat hypertension"?

There is also "hypertension" of males when an attractive female technician, nurse or physician takes his blood pressure. In such cases, having a male take the blood pressure can get a "normal" reading. She was a female, but I don't think that was the problem in this case..ha. I think the showing up...
by davebo
Thu Feb 15, 2018 4:55 pm
Forum: Personal Consumer Issues
Topic: How do docs treat "white coat hypertension"?
Replies: 35
Views: 2059

Re: How do docs treat "white coat hypertension"?

Same issue at every doctor except my primary, whose been my primary >20 years. Do you just keep records and then show them to him? I don't want them thinking I need to be on meds when I probably don't. I feel like I always get these nurses that give me these very concerned looks. Maybe it would act...
by davebo
Thu Feb 15, 2018 4:33 pm
Forum: Personal Consumer Issues
Topic: How do docs treat "white coat hypertension"?
Replies: 35
Views: 2059

How do docs treat "white coat hypertension"?

I have always kept an eye on my blood pressure since both my dad and brother have taken medications for quite a long time. I have an Omron home monitor that I use pretty much everyday to check my BP and can sit down and get a reading of 110/72 to 120/78 (on average). I'll also periodically check it ...
by davebo
Thu Jan 11, 2018 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: What career related challenges can one pursue after age 40?
Replies: 13
Views: 1489

Re: What career related challenges can one pursue after age 40?

I'm just a couple months short of 40 and have never been ultra career minded. I wanted a job where I made decent money, had a short commute, and not too much stress. Around age 33, I found the job that fit my skills and desires and it's been a nice past 7 years. I also never envisioned myself in man...
by davebo
Mon Jan 08, 2018 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Should I take this promotion?
Replies: 26
Views: 2053

Re: Should I take this promotion?

The only thing holding me back is the fear of the unknown, leaving a job I really like for something a little more uncertain. What are your long-term career goals? Do you think you'll be happy staying with your current job for the next 10-15+ years? Or would you like to advance to the highest posit...
by davebo
Mon Jan 08, 2018 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Should I take this promotion?
Replies: 26
Views: 2053

Re: Should I take this promotion?

Are you in a technical field? If so, just make sure you really want to manage people rather than work on technical work. I've promoted engineers/developers to management positions before and it's a relatively frequent occurrence to find out a few months/years later that they either weren't cut out ...
by davebo
Mon Jan 08, 2018 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Should I take this promotion?
Replies: 26
Views: 2053

Re: Should I take this promotion?

I'd take the gig if it was offered but be aware that a manager role is very different job. In addition a brand new manager has an enormous amount to learn about managing and reporting for a department, running a profit center/business, in addition to the required HR/people management skills which c...
by davebo
Sat Jan 06, 2018 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: Should I take this promotion?
Replies: 26
Views: 2053

Re: Should I take this promotion?

If you decline, I wouldn't say you'd never have another chance for a promotion but it likely wouldn't be with your present company. Do you have people there you can talk to privately when you have questions on how to handle something? I think that would be a big plus because as a first-time manager...
by davebo
Sat Jan 06, 2018 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Should I take this promotion?
Replies: 26
Views: 2053

Re: Should I take this promotion?

I'll ask you the same thing I ask my direct reports (I'm the president of the company): What do you want to be when you grow up? Simple question, very hard to answer. Often times they have an answer but as we talk, it goes a different direction. Once you answer that question, life gets really simpl...
by davebo
Sat Jan 06, 2018 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Should I take this promotion?
Replies: 26
Views: 2053

Re: Should I take this promotion?

Ask the employer in advance to consider returning you to your happy place if the promotion does not work out. Give you an escape route. More than likely you will do just fine at the new level of responsibility. I wouldn’t recommend this. It looks weak. You need to commit one way or the other and it...
by davebo
Sat Jan 06, 2018 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Should I take this promotion?
Replies: 26
Views: 2053

Should I take this promotion?

I've been employed at my company for 5+ years. Based on my experience when I came in, my bosses had told someone that I was someone that would likely be promoted into management. About 3 years ago, I was offered a promotion but turned it down. For one, it was in an area without a lot of growth poten...
by davebo
Tue Dec 26, 2017 11:02 am
Forum: Personal Consumer Issues
Topic: How to use up my FSA account?
Replies: 13
Views: 1200

Re: How to use up my FSA account?

I had the same predicament. I've always done $2500 in the FSA and never had a problem going through it. This year, I found myself with $2200 when we were entering December. I had a few doctors visits that knocked it down and then I ended up spending it on new eyeglasses and a backup pair of custom o...
by davebo
Wed Nov 22, 2017 11:11 pm
Forum: Personal Consumer Issues
Topic: Beware Amazon Price Gouging
Replies: 74
Views: 9708

Re: Beware Amazon Price Gouging

Amazon specifically will raise prices as inventory runs low, specifically if it's around the holidays when restocking might be problematic. Also, since there are so many 3rd party sellers on amazon, some of the changes are when a specific seller runs out of stock on amazon and the next seller compet...
by davebo
Wed Nov 22, 2017 6:42 pm
Forum: Personal Consumer Issues
Topic: What to do with portable basketball hoop in winter
Replies: 4
Views: 571

What to do with portable basketball hoop in winter

This is our first winter with a portable basketball hoop. We have it setup on the edge of our driveway so it's nice and level and it's filled with water. In the summer, the water is a good option because it gives us the ability to drain/move it when we need to e.g. when we have our driveway sealed. ...
by davebo
Thu Nov 09, 2017 3:31 pm
Forum: Personal Consumer Issues
Topic: What backup service to use?
Replies: 57
Views: 4744

Re: What backup service to use?

I keep all my important documents within Evernote. Not really a backup service, but any editable document is edited within Evernote so it's always up to date. Outside of documents, I only really care about photos/videos. I use the Google Photo app and it backs up automatically from my phone and you ...
by davebo
Thu Nov 09, 2017 12:00 am
Forum: Personal Consumer Issues
Topic: Pricing a home addition
Replies: 7
Views: 827

Re: Pricing a home addition

I find being as specific as possible in your desires and leaving nothing up to the contractor gives you the best quotes. This often means I end up having to do a lot of homework to figure out exactly what light fixtures, surface finishings, I want down to the brand and model. Anytime I have not bee...
by davebo
Wed Nov 08, 2017 12:25 pm
Forum: Personal Consumer Issues
Topic: Pricing a home addition
Replies: 7
Views: 827

Pricing a home addition

I'm moving along with a master suite addition for my house and it's been pretty difficult with trying to compare quotes between builders. First off, most of them are pretty slow to quote in the first place so it's kinda hard to do this quickly. Second, they all have their own format for quoting so i...
by davebo
Sun Oct 22, 2017 10:02 pm
Forum: Personal Consumer Issues
Topic: Protein Bars and Smoothies
Replies: 82
Views: 7437

Re: Protein Bars and Smoothies

For protein bars, I buy the Kirkland brand at costco. 21 grams of protein, 20 carbs, 7 grams of fat, 1 gram of real sugar, and 4 grams of fake sugar. For protein shakes, I use almond milk, 1 scoop of vanilla protein powder, 1/2 banana, and 1 Oreo cookie. The Oreo cookie might not be healthy, but it ...
by davebo
Sun Oct 22, 2017 9:49 pm
Forum: Personal Consumer Issues
Topic: Installing a slide inside a home?
Replies: 39
Views: 3008

Re: Installing a slide inside a home?

My mother in law briefly entertained the idea of a slide off their back deck, but the price was really really high because the height was not standard. I would imagine you would run into something similar. Personally, I think the idea of a secret room is way way more appealing. You put a bookshelf t...
by davebo
Fri Oct 06, 2017 3:48 pm
Forum: Personal Consumer Issues
Topic: Too much house? (nervous 1st time buyer)
Replies: 57
Views: 5006

Re: Too much house? (nervous 1st time buyer)

I wouldn't buy a house if I were you. I don't know anyone that ever purchased a house before they had a spouse that ended up keeping the house after they got married. Renting is a great way of testing out neighborhoods and finding what you like and dislike about places. I'm almost 40 and on my 3rd h...
by davebo
Wed Sep 27, 2017 1:52 pm
Forum: Personal Consumer Issues
Topic: $700 to install a dishwasher seem by a plumber?!
Replies: 65
Views: 5023

Re: $700 to install a dishwasher seem by a plumber?!

I would guess that nobody in your building knows a licensed plumber needs to do the install. They just buy the dishwasher and have the store do the install and haul away. You should do the same....ignorance is bliss
by davebo
Thu Sep 21, 2017 3:44 pm
Forum: Personal Consumer Issues
Topic: Account security - Hackers gain access to mobile and then break havoc
Replies: 159
Views: 14028

Re: Account security - Hackers gain access to mobile and then break havoc

Is your email address pretty much central to all of these hacks? If they can't access that, then are they out of luck? If so, changing the 2FA on Gmail to backup codes or authenticator would solve the problem? That would only address email vulnerability on a phone if the phone email client app did ...
by davebo
Wed Sep 20, 2017 9:40 pm
Forum: Personal Consumer Issues
Topic: Should I even bother with buying a school picture?
Replies: 39
Views: 3339

Re: Should I even bother with buying a school picture?

I think you're overthinking this. This isn't a photo shoot, it's lining a bunch of kids up and snapping a quick picture against a 80's style background.. You'll look back and laugh at the fake smiles and messy hair. I kinda doubt that they wouldn't take the kids picture though, they always include i...
by davebo
Mon Sep 18, 2017 7:21 am
Forum: Personal Consumer Issues
Topic: Account security - Hackers gain access to mobile and then break havoc
Replies: 159
Views: 14028

Re: Account security - Hackers gain access to mobile and then break havoc

So I went through and moved everything possible over to Google Authenticator (Gmail, Lastpass, Evernote, Amazon) and started researching this SMS problem. I went in and updated PIN, password, security settings on my verizion account. I also read this article, which seems to be way over my head. Does...
by davebo
Sun Sep 17, 2017 7:01 pm
Forum: Personal Consumer Issues
Topic: Account security - Hackers gain access to mobile and then break havoc
Replies: 159
Views: 14028

Re: Account security - Hackers gain access to mobile and then break havoc

Is your email address pretty much central to all of these hacks? If they can't access that, then are they out of luck? If so, changing the 2FA on Gmail to backup codes or authenticator would solve the problem?
by davebo
Wed Sep 13, 2017 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 56159

Re: Equifax customer information leak

A couple questions: 1) Has anyone else had issues freezing Experian's credit online? It wouldn't work for me or my wife and asked me to mail in a bunch of stuff (bills, copy of DL, SSN, a check for $10) to the address provided. There is an option to upload the information, but then I'm not sure how ...
by davebo
Tue Sep 12, 2017 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: How to handle medical collections on credit?
Replies: 6
Views: 674

Re: How to handle medical collections on credit?

It seems that if the collections agency reported the balance, they would need to take it off. When I spoke with the agency, they said they don't typically do that. She said I should deal with the hospital and see what they say about it, since this was their fault. I get the impression that they will...
by davebo
Tue Sep 12, 2017 2:51 pm
Forum: Personal Consumer Issues
Topic: Experian - credit freeze and credit card hacked
Replies: 11
Views: 2481

Re: Experian - credit freeze and credit card hacked

Freezing your credit only makes it impossible for a lender to pull your credit, which would mean they wouldn't grant credit to someone unless they could unfreeze it.

It won't stop fraudulent activity on existing cards
by davebo
Tue Sep 12, 2017 10:24 am
Forum: Personal Finance (Not Investing)
Topic: How to handle medical collections on credit?
Replies: 6
Views: 674

How to handle medical collections on credit?

I recently pulled my wife's credit and noticed 2 medical collections for around $150 and $110. They were both from the same date of service, one was from the hospital and the other from the doctor. I know we had never seen this or gotten any phone calls, so I called the hospital. It turned out that ...
by davebo
Sun Sep 10, 2017 6:59 pm
Forum: Personal Consumer Issues
Topic: Consider freezing your credit
Replies: 66
Views: 10343

Re: Consider freezing your credit

Experian is the only one that is giving me problems, the other 4 were very easy to submit the freeze online. Experian wants me to mail them a copy of a letter.

Has anyone considered freezing the credit of any of their children? Is it necessary or just overkill?
by davebo
Sun Sep 10, 2017 6:31 pm
Forum: Personal Consumer Issues
Topic: Consider freezing your credit
Replies: 66
Views: 10343

Re: Consider freezing your credit

I paid equifax $10 last night to freeze my credit. This morning when I went to freeze my wife's credit, they were not charging. I know the attorney general of IL said she was going to pressure Equifax to do it for free, so maybe they just waived the fee starting on the 10th.
by davebo
Tue Aug 29, 2017 9:03 pm
Forum: Personal Consumer Issues
Topic: Beginner Mountain Bike
Replies: 59
Views: 3903

Re: Beginner Mountain Bike

You should buy a 1996 GT Outpost from some guy on the internet :P
by davebo
Thu Aug 24, 2017 4:33 pm
Forum: Personal Consumer Issues
Topic: How do you watch movies? (Theater, online streaming, DVD, etc.)
Replies: 40
Views: 3540

Re: How do you watch movies? (Theater, online streaming, DVD, etc.)

In the last few years, I can't even remember the last movie I saw in the theater with my wife. We do go about 3-4 times a year to see movies with the kids. I've been pretty disappointed with movies lately so, if we do watch something, it's typically on Netflix, Amazon, or possibly Itunes....all stre...
by davebo
Thu Aug 17, 2017 2:47 pm
Forum: Personal Consumer Issues
Topic: Is it worth it? [demanding jobs vs time with family]
Replies: 182
Views: 13840

Re: Is it worth it? [demanding jobs vs time with family]

every minute we are not working, we spend with the kids for the most part I don't see how that number of minutes could be more than zero on weekdays. I work 50-55 hours per week and it is bad. I get up at 5:00am when our baby is sleeping and I come home at 6:00pm or later. Our baby goes to sleep at...
by davebo
Thu Aug 17, 2017 12:23 pm
Forum: Personal Consumer Issues
Topic: Is it worth it? [demanding jobs vs time with family]
Replies: 182
Views: 13840

Re: Is it worth it? [demanding jobs vs time with family]

In your situation, I think it would make sense to have one person stay home. I think 2 people can work as long as the hours are closer to 40 hours per week. If you're both doing 60-70, then I don't know how you'd manage the house and spend time with the kids.
by davebo
Wed Aug 16, 2017 9:57 pm
Forum: Personal Consumer Issues
Topic: Home Addition-Managing Payouts to Contractor
Replies: 6
Views: 712

Re: Home Addition-Managing Payouts to Contractor

I get the idea of progress payments, but my question is has anyone managed the lien waiver process? So for instance, before I make a payment, I should verify the bills for each subs and get a lien waiver for that dollar amount? Or something like that?
by davebo
Tue Aug 15, 2017 5:50 pm
Forum: Personal Consumer Issues
Topic: Home Addition-Managing Payouts to Contractor
Replies: 6
Views: 712

Home Addition-Managing Payouts to Contractor

We're close to moving forward with a home addition with a contractor. The builder lives a few blocks away, his wife went to HS with my wife, and we know a few people that have used him, so there is some comfort there. However, you hear horror stories about people paying contractors and things going ...
by davebo
Thu Jul 13, 2017 5:41 pm
Forum: Personal Consumer Issues
Topic: Buy/Remodel or Addition?
Replies: 14
Views: 1295

Re: Buy/Remodel or Addition?

Personally I'd probably just buy one of the $620K move in ready homes and avoid the add on and the massive full scale remodel of the $400K property. You're nit picking about the monthly payment going up due to property taxes, but that's not comparing apples to apples with stroking a $120K check (wh...
by davebo
Thu Jul 13, 2017 2:28 pm
Forum: Personal Consumer Issues
Topic: Buy/Remodel or Addition?
Replies: 14
Views: 1295

Re: Buy/Remodel or Addition?

Have you ever lived through a major remodel before? I ask because I wouldn't be so confident that you can remain in the home while the work is being done. I had a much smaller project done earlier this year that involved removing exterior walls in a small bathroom at the back of the house. The amou...
by davebo
Thu Jul 13, 2017 12:05 pm
Forum: Personal Consumer Issues
Topic: Buy/Remodel or Addition?
Replies: 14
Views: 1295

Re: Buy/Remodel or Addition?

In our HCOL area, bought a place w/2200 sf and a small 400sf basement; when #3 came along we just did not have the space. Saw several neighbors who did expansion remodels to add living space, we decided that we'd be overbuilding for the neighborhood and would not recoup much of the 'investment'. En...
by davebo
Wed Jul 12, 2017 3:50 pm
Forum: Personal Consumer Issues
Topic: Buy/Remodel or Addition?
Replies: 14
Views: 1295

Re: Buy/Remodel or Addition?

Just over two decades ago, we went through the same exercise. After we got the costs to upgrade/expand our previous home and included the then current value of the home, it made more sense to have a new house built that had all the features we wanted. It turned out well, without all the inconvenien...
by davebo
Wed Jul 12, 2017 3:00 pm
Forum: Personal Consumer Issues
Topic: Buy/Remodel or Addition?
Replies: 14
Views: 1295

Buy/Remodel or Addition?

I have an existing 3-bed/3 bath ranch with a full finished basement. Recently we have been talking about doing an addition to add a master suite. Our house is finished, with the exception of the small bedrooms and lack of a master…maybe lack of an office and ample closet space if I’m being picky. We...
by davebo
Mon Jul 03, 2017 10:26 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy this house?
Replies: 50
Views: 5281

Re: Should I buy this house?

I have no idea why you would want to buy a house with the, seemingly, primary reason being to have a 3-car garage to house the corvette that you don't own yet. It seems like with the amount of hours you work, you won't be home to enjoy either one of them.

I
by davebo
Mon Jul 03, 2017 10:18 pm
Forum: Personal Consumer Issues
Topic: Are you finding any good values at Amazon anymore?
Replies: 169
Views: 19031

Re: Are you finding any good values at Amazon anymore?

Generally speaking, if something is a name brand, you're more likely to find a good deal if it's Shipped/Sold by Amazon themselves. Most of the 3rd party sellers are not getting the merchandise from distributors, so they are finding products at clearance at local stores. Even if they are finding it ...