Search found 84 matches

by steadyhand
Sat Aug 15, 2020 12:41 pm
Forum: Personal Consumer Issues
Topic: Chess.com, FICS or something else?
Replies: 12
Views: 1235

Re: Chess.com, FICS or something else?

Lichess for playing games for fun. Chess.com has more players and its rating matches closer to USCF so AI use that site for serious games. Lichess is not bad if you are closer to 1800-2000 rating and above. Lichess starts everyone at 1500 so you end up playing beginners a lot in the sub 1800 range. ...
by steadyhand
Mon Jul 13, 2020 3:11 pm
Forum: Personal Consumer Issues
Topic: “Surviving” a Florida panhandle vacation
Replies: 38
Views: 5055

Re: “Surviving” a Florida panhandle vacation

I would propose a vacation to the mountains instead. We went into a ski area last week with kids and mainly hiked. Social distancing was easy except on a few popular trails where we intentionally were more careful and walked carefully. Not all wore masks, but we felt safe given it was in the outdoor...
by steadyhand
Tue Apr 14, 2020 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Where Will Stimulus Check Go?
Replies: 37
Views: 2817

Re: Where Will Stimulus Check Go?

What if there was no refund but instead had to pay?
by steadyhand
Tue Apr 14, 2020 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Another refinance question
Replies: 2
Views: 231

Another refinance question

I have an existing 30 year Mortgage with 24 years left on it and a balance of $225K at 3.875%. I have been contemplating refinancing for a while but never got a lower rate (either waited for it to go lower or it never was lower). In this low interest environment I feel I can get a lower interest. I ...
by steadyhand
Sat Mar 07, 2020 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: my 9 yr old - very high myopia - $2000 cost
Replies: 5
Views: 899

Re: my 9 yr old - very high myopia - $2000 cost

+1 for meeting an Ophthalmologist. You want to rule out other conditions such as retinal diseases which also can manifest as only myopia initially. This doctor may then ask if he has any other vision issues such as excessive glare, night vision, etc. Vision is complex and important to get expert adv...
by steadyhand
Tue Jan 21, 2020 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: long term disability insurance
Replies: 14
Views: 1069

Re: long term disability insurance

Thanks that makes sense from an insurer’s point of view. That is where I was hoping that SSDI (as I understand it) seems to fall short in providing sufficient replacement income. So the lesson here is to then load up on disability insurance as early in your life as you can before you or anyone devel...
by steadyhand
Tue Jan 21, 2020 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: long term disability insurance
Replies: 14
Views: 1069

Re: long term disability insurance

Part of the challenge here are the following. 1) Do we (have to) disclose knowledge about an impending disability (which is not disabling enough yet)? 2) If we do not, can the insurance companies deny coverage later saying we had knowledge of an disabling medical condition. By not disclosing, I woul...
by steadyhand
Tue Jan 21, 2020 11:03 am
Forum: Personal Finance (Not Investing)
Topic: long term disability insurance
Replies: 14
Views: 1069

Re: long term disability insurance

Bumping it back up
by steadyhand
Sat Jan 18, 2020 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: long term disability insurance
Replies: 14
Views: 1069

long term disability insurance

I have read many posts here on getting long term disability insurance. I had a question about eligibility and payout. Both me and my spouse are covered at work with basic plan that will replace about 55% of our income upto a limit of $5k pr month (our incomes are high enough to mean hit this ceiling...
by steadyhand
Wed Sep 11, 2019 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Lending to friend to India
Replies: 54
Views: 4245

Re: Lending to friend to India

Often times the thread starts saying a friend but it could be a family member or themselves. With the latter I mean moving the money to use in a different country and then moving it back later. So it is better to focus on potential hassles than risk as the poster has mentioned.
by steadyhand
Sat Aug 31, 2019 9:07 am
Forum: Personal Consumer Issues
Topic: Negotiating on this Specific Truck
Replies: 20
Views: 2353

Re: Negotiating on this Specific Truck

I do not trust manufacturers who seek $12k below sticker. Makes a mockery of sticker prices and their meaning :annoyed

Those who know their worth and stick to it are better IMHO.
by steadyhand
Thu Aug 29, 2019 5:07 pm
Forum: Personal Consumer Issues
Topic: Nissan & Toyota pre collision systems
Replies: 4
Views: 506

Re: Nissan & Toyota pre collision systems

Toyota RAV4 2019 pre collision works. Once it stopped when I going to go over a ladder in my garage which I wasn’t expecting to be there.

BTW RAV4 does not have an EX trim only a Honda CarV does.
by steadyhand
Fri Aug 09, 2019 9:17 pm
Forum: Personal Consumer Issues
Topic: Overflowing/leaking gutters
Replies: 18
Views: 1407

Re: Overflowing/leaking gutters

Most likely a clog. Had same issues before when I moved into my house. You can recreate it easily by putting a hose into gutter. If you can reach the elbows, an auger will do the trick or just a thin stick. Remember to hose it down if you can to be sure. Issue comes when some Elbows are unreachable ...
by steadyhand
Wed Jul 10, 2019 10:25 pm
Forum: Personal Consumer Issues
Topic: Help plan [Machu Picchu], Sacred Valley trip
Replies: 27
Views: 2756

Re: Help plan [Machu Picchu], Sacred Valley trip

All went well. Ollantaytambo is a fabulous town by itself and has great hiking for at least a day. Also charming cobbled streets and restaurants. Cheaper than AC too. The Inka Express bus to lake Titicaca was also comfortable even though some of the additional guided stops were not. Lake Titicaca is...
by steadyhand
Wed Jul 10, 2019 10:19 pm
Forum: Personal Consumer Issues
Topic: Replacing broken glass on outdoor light lantern
Replies: 14
Views: 2957

Re: Replacing broken glass on outdoor light lantern

Just got two new lanterns and entire assembly. Cost about $230 in all but everything is back to normal. Wish lantern makers were more easily identifiable for future replacements. Thanks all.
by steadyhand
Mon Jul 08, 2019 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Is there any place you can buy a house for 50k west of Kansas?
Replies: 27
Views: 4186

Re: Is there any place you can buy a house for 50k west of Kansas?

If you are ok with Kansas itself, I recall seeing free land on offer in many rural areas.

For example, Marquette KS

http://www.marquettekansas.com/land.html
by steadyhand
Sun Jul 07, 2019 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Am I calculating my potential mortgage refinancing savings correctly?
Replies: 16
Views: 1832

Re: Am I calculating my potential mortgage refinancing savings correctly?

How likely are you to stay put for the next few years? If not very likely then the cost of refi may be sunk. Something to additionally consider.
by steadyhand
Wed Jul 03, 2019 6:16 pm
Forum: Personal Consumer Issues
Topic: Replacing broken glass on outdoor light lantern
Replies: 14
Views: 2957

Re: Replacing broken glass on outdoor light lantern

Through a local light fixture store found a glass shop. Unfortunately they only do flat glass; mine is a dome shaped and thus has curves. Trying to find the manufacturer and buying replacement glass from them may be easier.
by steadyhand
Tue Jul 02, 2019 7:29 pm
Forum: Personal Consumer Issues
Topic: Replacing broken glass on outdoor light lantern
Replies: 14
Views: 2957

Re: Replacing broken glass on outdoor light lantern

It is plain glass nothing special. Hoping after someone makes such panels I can have them stay in place. Will try these suggestions thanks!
by steadyhand
Tue Jul 02, 2019 6:21 pm
Forum: Personal Consumer Issues
Topic: Replacing broken glass on outdoor light lantern
Replies: 14
Views: 2957

Replacing broken glass on outdoor light lantern

I have two huge outdoor light lanterns on my porch on small posts over stone pillars. During a recent hail storm a lot of glass broke on one of them and fell out in many pieces. The other one is fine. I cannot find any manufacturer name on these lanterns to find a replacement. They are in fine order...
by steadyhand
Tue Jul 02, 2019 7:43 am
Forum: Personal Consumer Issues
Topic: Favorite mountain lodge destinations in the west?
Replies: 49
Views: 4857

Re: Favorite mountain lodge destinations in the west?

Big Sky near Bozeman Montana is a good mountain resort. Close enough to Yellowstone to be used as a base camp of sorts too, only about 1.5 hrs. Should be within a days drive from Portland easily.
by steadyhand
Fri May 17, 2019 7:08 pm
Forum: Personal Consumer Issues
Topic: Guidance on choosing between UMich and Brown
Replies: 102
Views: 6674

Re: Guidance on choosing between UMich and Brown

If interested in graduate school later, UM will likely be the better choice for CS as you may get better research experience while a UG student there.

If you want a more generalized degree and will likely never go to graduate school Brown is likely better.
by steadyhand
Thu May 16, 2019 6:33 am
Forum: Personal Consumer Issues
Topic: Usefullness of 2 in 1 laptops?
Replies: 18
Views: 2024

Re: Usefullness of 2 in 1 laptops?

Lenovo Thinkpads aren’t what they used to be. Late model ones have motherboard and other hardware issues. Not sure I will buy again.
by steadyhand
Tue May 07, 2019 12:37 am
Forum: Personal Consumer Issues
Topic: Bathroom Remodel - Looking for Advice
Replies: 56
Views: 5139

Re: Bathroom Remodel - Looking for Advice

+1 for a onyx shower as a solution. We did exactly the same things using a local remodel company. Included a onyx base too. Tore down old tile shower and cleaned up. Cost 10k but no issues since. Some others quoted half the price but I went with the ones that seemed most experienced and knowledgeabl...
by steadyhand
Wed Apr 03, 2019 8:21 pm
Forum: Personal Consumer Issues
Topic: New 2019 RAV4 is now out - looks good
Replies: 128
Views: 15921

Re: New 2019 RAV4 is now out - looks good

I am sold on one too. However, I need help deciding if I should add the pano sunroof option. I never had a car woth those, so wondering if there are any big negatives. I wonder if hail damage will be worse, if heat/cold and rain will be more difficult to keep out due to leaks, and if the shutters ca...
by steadyhand
Sun Feb 17, 2019 4:58 pm
Forum: Personal Consumer Issues
Topic: Help plan [Machu Picchu], Sacred Valley trip
Replies: 27
Views: 2756

Re: Help plan [Machu Picchu], Sacred Valley trip

Thanks for the tips. Will see how it goes. Feeling quite prepared at this time; time will tell if that pans out.
by steadyhand
Sat Feb 16, 2019 12:49 pm
Forum: Personal Consumer Issues
Topic: Help plan [Machu Picchu], Sacred Valley trip
Replies: 27
Views: 2756

Re: Help plan [Machu Picchu], Sacred Valley trip

Urubamba is close to Ollantaytambo; we are thinking of the latter so that we are close to train to MP. But perhaps there is a easy transfer between these towns. Wondering if there is a easy to tour the entire sacred valley area staying at one of these towns. Most tours seem to originate back in Cusc...
by steadyhand
Sat Feb 16, 2019 8:50 am
Forum: Personal Consumer Issues
Topic: Help plan [Machu Picchu], Sacred Valley trip
Replies: 27
Views: 2756

Re: Help plan [Machu Picchu], Sacred Valley trip

Wanted to add to this thread with an itinerary we plan to take. Hoping previous posters here including the OP who must have completed his/her trip will chime in. We are a family of four (including two 8-9 year old children) planning a visit to Peru in mid June. I would appreciate any feedback on the...
by steadyhand
Sat Feb 16, 2019 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Buying a 2019 RAV4 hybrid - how to pay for it?
Replies: 76
Views: 4796

Re: Buying a 2019 RAV4 hybrid - how to pay for it?

+1 for the RAV4 hybrid. I came to the same conclusion a few months back. Hard to beat its specs. Lexus like reliability, Prius like fuel economy, ample space, high seating position only a CUV can offer and promises 600 miles a tank of gas. Has all the latest safety and driving assist tech to boot. I...
by steadyhand
Fri Feb 01, 2019 9:11 pm
Forum: Personal Investments
Topic: Which HSA to keep?
Replies: 28
Views: 2375

Re: Which HSA to keep?

Everything went smoothly in setting up the Fidelity HSA and requesting transfer of assets from Optum. Only question is does one need to liquidate investments at Optum so cash can transfer over? There is a small cash balance in addition to investment. I am sort of worried if only the small cash amoun...
by steadyhand
Tue Jan 22, 2019 7:31 pm
Forum: Personal Investments
Topic: Which HSA to keep?
Replies: 28
Views: 2375

Re: Which HSA to keep?

Thanks Qzly. Will post back once done.
by steadyhand
Tue Jan 22, 2019 6:02 pm
Forum: Personal Investments
Topic: Which HSA to keep?
Replies: 28
Views: 2375

Re: Which HSA to keep?

This may be a dumb question, but how does one transfer money from Optum to another HSA? I see option to only close the account and receive the money. How does it go to the next HSA without taxes and other penalties? I am thinking Fidelity HSA based on this one thread, but am unsure of what low cost ...
by steadyhand
Wed Jan 09, 2019 8:19 pm
Forum: Personal Consumer Issues
Topic: Opinions on 2019 RAV4 and/or 2019 Santa Fe
Replies: 23
Views: 2482

Re: Opinions on 2019 RAV4 and/or 2019 Santa Fe

Unfortunately Subaru Eyesight does not yet have lane centering. I have stayed on top of this for many months now. In the non-luxury segment, only Toyota (TSS2.0) and Nisaan (ProPilot Assist) have the best Level 2 steering and braking combination systems. Honda Sensing comes close and has lane center...
by steadyhand
Wed Jan 09, 2019 9:26 am
Forum: Personal Consumer Issues
Topic: Opinions on 2019 RAV4 and/or 2019 Santa Fe
Replies: 23
Views: 2482

Re: Opinions on 2019 RAV4 and/or 2019 Santa Fe

We are in the same boat and feel the specs (mpg, cargo space, safety tech,reliability) of the 2019 RAV4 hybrid are hard to beat. However, its look is polarizing and may not appeal to all. More expensive as well at higher trims. If mpg and premium fuel costs and cargo space are not important I would ...
by steadyhand
Sun Dec 09, 2018 12:51 am
Forum: Personal Finance (Not Investing)
Topic: Rental Car Damage Issue
Replies: 69
Views: 4749

Re: Rental Car Damage Issue

Had a similar issue where a dent was shown at the end of the rental that we had no clue about and a deposit was taken and we directed to a third party claims company. We asked for proof of cost of damages and repair and previous rental agreement so we know dent was not from previous repair. Did not ...
by steadyhand
Thu Nov 15, 2018 11:47 am
Forum: Personal Consumer Issues
Topic: Help with choices for new car
Replies: 28
Views: 2854

Re: Help with choices for new car

I love the CX-5 too but am holding back only because I feel it’s lane keep assist LKAS is relative primitive. From what I read, it is not true lane centering or lane trace like Nissan ProPilot or Toyota TSSS 2.0 (peer manufacturers/ brands). Anyone know if the 2019 CX-5 has lane centering or lane tr...
by steadyhand
Sun Oct 28, 2018 10:46 am
Forum: Personal Consumer Issues
Topic: Does your Capital One 360 reimburse international ATM?
Replies: 43
Views: 4686

Re: Does your Capital One 360 reimburse international ATM?

I used it about 10 days back and have not seen any fees creep in. What is deducted is exactly the US dollar equivalent of the Euros I took out. Used it at the ATMs in the airports I passed through and some malls. I am not worried about getting money anymore without transaction fees in any country in...
by steadyhand
Sat Oct 13, 2018 7:08 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1176
Views: 189246

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

CR has now a video discussion on the oil dilution issue to go along with their previous report.

https://www.youtube.com/watch?v=AqzZm5j1Bl8
by steadyhand
Fri Oct 05, 2018 8:03 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1176
Views: 189246

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

We were on the market to buy a crossover and the crv was on top of our list. I would like to thank many on this thread, especially CULater, for making us all aware. There were times I felt this thread was just a lot of noise or fuss over nothing, but now I feel it was all justified. I wish those who...
by steadyhand
Fri Sep 28, 2018 11:28 am
Forum: Personal Consumer Issues
Topic: Geico umbrella us dropping me. What can I do?
Replies: 37
Views: 6534

Re: Geico umbrella us dropping me. What can I do?

Same thing happened to me recently where GEICO dropped our umbrella after a weather related accident. I have found another insurance company (Kemper) for all my insurance needs (home, auto, umbrella) through an insurance agent and saved about 25% also in the process. Note that umbrella typically nee...
by steadyhand
Wed Sep 26, 2018 8:12 am
Forum: Personal Consumer Issues
Topic: Electric Shaver/Beard Trimmer
Replies: 21
Views: 2082

Re: Electric Shaver/Beard Trimmer

+1 for Philips Norelco beard trimmer. Holds charge for long time (more than a month), works while pluggedin if needed, cleans under running water. Nothing more I would have wanted.
by steadyhand
Sat Sep 22, 2018 4:56 am
Forum: Personal Consumer Issues
Topic: Does your Capital One 360 reimburse international ATM?
Replies: 43
Views: 4686

Re: Does your Capital One 360 reimburse international ATM?

https://wallethub.com/b/capital-one-360-checking-account-1000348b/ This link states there should be no fees for using the cap1 360 debit card overseas. I did get this checking account a few months back for this purpose; can report back when I travel overseas next month on what I am charge, if there ...
by steadyhand
Tue Sep 04, 2018 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Auti/Home Insurance with different Companies and Umbrella
Replies: 10
Views: 1221

Re: Auto/Home Insurance with different Companies and Umbrella

I have auto with GEICO and home with Liberty Mutual. I also had Umberella with GEICO. Recemtly they dropped our umbrella due to a recent accident (nothing too major, just a car skidding on ice amd getting some cosmetic damage). They are still cheaper for us for home amd auto. Are there any companies...
by steadyhand
Sun Aug 05, 2018 5:07 pm
Forum: Personal Investments
Topic: Apple Stock
Replies: 13
Views: 2044

Re: Apple Stock

You can always take some off the table now and keep some to hedge your risks. Since your amount is on the smaller side I would leave it alone. My advise would be to focus more time on increasing your cash flow so you have bigger amounts to invest in the future.
by steadyhand
Sat Jul 14, 2018 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Pay to be in school district or move?
Replies: 20
Views: 1364

Re: Pay to be in school district or move?

If you do not have the children yet, I would wait. Lot of things can change: jobs, number of kids, wants, housing market.
by steadyhand
Sat Jul 14, 2018 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Would you take a job in a less desirable city if you had to work fewer days?
Replies: 40
Views: 3562

Re: Would you take a job in a less desirable city if you had to work fewer days?

If it helps, I can share the perspective of the inverse conundrum. A close friend moved from a metro with a population around 500k to another closer to 2 million. He always wanted to go to a much larger city, attracted to to the more amenities it can provide like a bigger and more connected airport,...
by steadyhand
Fri Jul 13, 2018 8:53 am
Forum: Personal Consumer Issues
Topic: Costco Membership
Replies: 54
Views: 7579

Re: Costco Membership

Using a Cash Card is not hack, it is in the printed terms of the Cash Card, which are visible on the back of the card. No need to spend $65 or more on a membership, regardless if you shop at Costco rarely or every week. However, you need to buy your first cash card online, or have an existing membe...