Search found 208 matches

by open_circuit
Mon Sep 24, 2018 11:29 am
Forum: Personal Consumer Issues
Topic: Ventilated car seats?
Replies: 39
Views: 2456

Re: Ventilated car seats?

I bought a ventilated seat cover that plugs into a 12V outlet for ~$25. Works great, and I can use it in any of my cars or seating locations. I would happily get such a feature built into a new car if it was not part of a huge upsell package that I otherwise didn't want, but I wouldn't spend a few t...
by open_circuit
Mon Sep 24, 2018 9:43 am
Forum: Personal Consumer Issues
Topic: squeaky lock and hard to turn key
Replies: 18
Views: 961

Re: squeaky lock and hard to turn key

Blaster makes a dry Teflon lube that comes in a can like WD-40. It leaves a white film of Teflon where you spray it. This has worked great for me for many different applications where I don't want to use an oil lubricant that might attract dirt and gunk.
by open_circuit
Fri Sep 21, 2018 10:29 am
Forum: Personal Consumer Issues
Topic: Bathroom and Basement Remodel Costs
Replies: 56
Views: 3533

Re: Bathroom and Basement Remodel Costs

1. Agree with everyone that said a drywalled ceiling should be avoided. We have one and it has been a pain whenever work has need to be done. I'm confused by this. I don't know anyone who puts a drop ceiling on first or second floor of a house, yet I've lived in several houses with plumbing in betw...
by open_circuit
Thu Sep 20, 2018 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Moving to Dallas, how to establish residency
Replies: 47
Views: 2785

Re: Moving to Dallas, how to establish residency

And yes expect to spend hours for the DL. I burned 6 hours at the local DPS office applying for mine! No appointments were available although one could "get in line" online and perhaps save an hour off that time. Certainly make sure you have ALL the docs and also $40 in cash. They don't take credit...
by open_circuit
Mon Sep 17, 2018 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: I see now why Rollovers can take FOREVER ....
Replies: 60
Views: 5698

Re: I see now why Rollovers can take FOREVER ....

Even doubly stupid: My previous employer set up our 401k at Vanguard (yay!). My rollover IRA is at Vanguard. You would think this could mean it could all be done electronically, but, no, I have to have the Vanguard 401k cut a check, which is mailed to me, which I then mail back to Vanguard for depo...
by open_circuit
Tue Sep 04, 2018 9:43 am
Forum: Personal Consumer Issues
Topic: Selling a car to CarMax
Replies: 74
Views: 5730

Re: Selling a car to CarMax

I've sold a car to them. Did not try to negotiate, but I don't believe they would negotiate anyway. I was offered a price that I felt was fair at the time, so I sold the car to them. Very easy and quick process.
by open_circuit
Fri Aug 31, 2018 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: State Farm - Homeowners discount :)
Replies: 35
Views: 2619

Re: State Farm - Homeowners discount :)

Must be nice. Got my homeowners renewal packet in the mail this week (or so I thought). Instead of ~$1500-2000 / year, they are declining to write a policy because they think my 7 year old roof is too old. Not awesome to live somewhere with large hail claims... Did the letter say that your roof was...
by open_circuit
Fri Aug 31, 2018 9:14 am
Forum: Personal Finance (Not Investing)
Topic: State Farm - Homeowners discount :)
Replies: 35
Views: 2619

Re: State Farm - Homeowners discount :)

Just received my annual State Farm Homeowners Insurance bill. For an insured (replacement) value of $258,000 and 1% deductible - the annual bill is only $437 - after listed discounts of $205 because we also have State Farm auto insurance (2 cars) and a claim record discount of $142. Very Happy :) M...
by open_circuit
Thu Aug 30, 2018 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Zelle, online payments
Replies: 53
Views: 4368

Re: Zelle, online payments

I haven't found a regular or common use for it. A friend sent me some money via Zelle one time to pay their half of a split bill. It took a few days for the transfer to clear, which surprised me. I would have preferred to just get cash some time later, since I see this person frequently anyway. I ha...
by open_circuit
Tue Aug 28, 2018 4:45 pm
Forum: Personal Consumer Issues
Topic: Minivan for family of 4.
Replies: 34
Views: 2902

Re: Minivan for family of 4.

aerosurfer wrote:
Tue Aug 28, 2018 4:00 pm
Nothing beats the stow and go seats too! Plenty of extra storage and turn the thing into a small cargo van with everything down.
I thought the plug-in hybrid version sacrifices stow-and-go because of batteries. Perhaps I'm misinformed or that was just last year's model?
by open_circuit
Tue Aug 28, 2018 4:43 pm
Forum: Personal Consumer Issues
Topic: Colorado Summer Vacation - what to see and where to stay
Replies: 65
Views: 5359

Re: Colorado Summer Vacation - what to see and where to stay

Ok here's another question: which would you choose for a day trip, Mt Evans or Trail Ridge Road? You can pretty easily do both if you start in Estes Park and don't plan to hike (just drive through and see stuff). Trail Ridge will dump you near Grand Lake, and you can continue back through Berthoud ...
by open_circuit
Tue Aug 28, 2018 1:33 pm
Forum: Personal Consumer Issues
Topic: Unique Phone Apps that you find yourself using most often?
Replies: 46
Views: 6636

Re: Unique Phone Apps that you find yourself using most often?

For those that like to go hiking or mountain climbing: Gaia gps: great trail app. I've used all the popular ones and find this the most reliable. No cell service needed. .. Peakfinder: one of the most ingenious apps I've seen. You point this to any mountains and it tells you the name of them. If yo...
by open_circuit
Tue Aug 28, 2018 9:24 am
Forum: Personal Consumer Issues
Topic: Recommend a good SOCK. Yes, I said SOCK!
Replies: 48
Views: 3980

Re: Recommend a good SOCK. Yes, I said SOCK!

People socks wool hiking socks https://www.amazon.com/PEOPLE-4pairs-So ... B009Y9QCCS

Very comfortable and durable. My first four pairs have lasted 2 and a half years without developing holes, and I wear these every day when it is pants weather.
by open_circuit
Mon Aug 27, 2018 1:27 pm
Forum: Personal Consumer Issues
Topic: Streaming TV services
Replies: 36
Views: 2580

Re: Streaming TV services

I am thinking of internet based TV....I will be a digital nomad, not looking to carry additional devices. I just found SLING online - looks to have my news channels and standard channels like NBC, etc. Now if I can find Bloomberg TV I will be all set. lol Cool, the extra info helps. I can see how a...
by open_circuit
Mon Aug 27, 2018 12:55 pm
Forum: Personal Consumer Issues
Topic: Streaming TV services
Replies: 36
Views: 2580

Re: Streaming TV services

9liner wrote:
Mon Aug 27, 2018 12:54 pm
The OP stated he's going to be watching on a laptop. I'm not quite sure what an antenna would do for him.
The HD Homerun encodes the video into MPEG and puts it out Ethernet. He can watch it on a laptop.
by open_circuit
Mon Aug 27, 2018 12:52 pm
Forum: Personal Consumer Issues
Topic: Streaming TV services
Replies: 36
Views: 2580

Re: Streaming TV services

by open_circuit
Mon Aug 27, 2018 9:40 am
Forum: Personal Consumer Issues
Topic: Best ultra thin pocket knife?
Replies: 54
Views: 3507

Re: Best ultra thin pocket knife?

I carry the classic 7-function victronix swiss army knife on my keyring, and a Kershaw Shuffle sometimes. Not sure how thin "ultra thin" is, but these are pretty low-profile (especially if you remove the belt clip from the Kershaw)
by open_circuit
Tue Aug 21, 2018 1:00 pm
Forum: Personal Consumer Issues
Topic: Cashing a check
Replies: 28
Views: 2486

Re: Cashing a check

Chase requires you to write "Electronically deposited at Chase" in the endorsement area. Alliant requires you to write "Electronically deposited" on the face of the check. I've never written those phrases on an electronically deposited check, and I have never had an electronic deposit rejected. I d...
by open_circuit
Tue Aug 21, 2018 12:56 pm
Forum: Personal Consumer Issues
Topic: Cashing a check
Replies: 28
Views: 2486

Re: Cashing a check

Chase requires you to write "Electronically deposited at Chase" in the endorsement area. Alliant requires you to write "Electronically deposited" on the face of the check. I've never written those phrases on an electronically deposited check, and I have never had an electronic deposit rejected. I d...
by open_circuit
Mon Aug 20, 2018 9:39 am
Forum: Personal Consumer Issues
Topic: Where to buy white, athletic fit dress shirt?
Replies: 52
Views: 3051

Re: Where to buy white, athletic fit dress shirt?

I'm looking for a new dress shirt to wear with a suit. Would like something with an athletic fit and that looks nice. I'll only wear it once or twice a year so not looking to spend a ton, unless there's a significant difference in look and quality. Any recommendations? I've had success at Kohl's an...
by open_circuit
Fri Aug 17, 2018 9:17 am
Forum: Personal Consumer Issues
Topic: How much did you pay to relocate laundry from basement to upstairs?
Replies: 20
Views: 1918

Re: How much did you pay to relocate laundry from basement to upstairs?

Laundry room sits off the living room and is the passageway to the garage. The one major design flaw in our house is that the laundry door and the garage access door swing through the same place. To get into the garage through the laundry, you have to walk into the laundry room, close the laundry d...
by open_circuit
Thu Aug 16, 2018 3:48 pm
Forum: Personal Consumer Issues
Topic: Car alarm '98 Camry ?
Replies: 31
Views: 1502

Re: Car alarm '98 Camry ?

Slightly stupid answer, but it sounds like leaving the door unlocked would prevent the problem. Obviously you couldn't leave anything in the vehicle you were worried about losing. Anecdotally, no one has stolen my Jeep or anything from inside it yet (knock on wood), and I leave it parked with no ro...
by open_circuit
Thu Aug 16, 2018 3:26 pm
Forum: Personal Consumer Issues
Topic: Car alarm '98 Camry ?
Replies: 31
Views: 1502

Re: Car alarm '98 Camry ?

Slightly stupid answer, but it sounds like leaving the door unlocked would prevent the problem. Obviously you couldn't leave anything in the vehicle you were worried about losing. Anecdotally, no one has stolen my Jeep or anything from inside it yet (knock on wood), and I leave it parked with no roo...
by open_circuit
Thu Aug 16, 2018 1:12 pm
Forum: Personal Consumer Issues
Topic: How much did you pay to relocate laundry from basement to upstairs?
Replies: 20
Views: 1918

Re: How much did you pay to relocate laundry from basement to upstairs?

Also, in my area, I'd guess relocating from basement to upstairs is somewhere between 5 and 10k. Building / contracting costs are pretty high here right now. Existing homes sell for ~$175 / sq ft or more, and remodel work is in the $70-$100 sq ft range, as a rough swag.
by open_circuit
Thu Aug 16, 2018 1:01 pm
Forum: Personal Consumer Issues
Topic: How much did you pay to relocate laundry from basement to upstairs?
Replies: 20
Views: 1918

Re: How much did you pay to relocate laundry from basement to upstairs?

Laundry room sits off the living room and is the passageway to the garage. The one major design flaw in our house is that the laundry door and the garage access door swing through the same place. To get into the garage through the laundry, you have to walk into the laundry room, close the laundry do...
by open_circuit
Thu Aug 16, 2018 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Savings rate per month???
Replies: 68
Views: 6163

Re: Savings rate per month???

Over 50% of gross, if I count employer matches into 401ks.
by open_circuit
Thu Aug 16, 2018 11:28 am
Forum: Personal Consumer Issues
Topic: How much did you pay to relocate laundry from basement to upstairs?
Replies: 20
Views: 1918

Re: How much did you pay to relocate laundry from basement to upstairs?

I'm relocating my laundry from main floor to the basement next month. The cost is absorbed into complete basement finishing costs, though, so it is difficult to provide a useful number here. Plus, since my basement is not yet finished, the new laundry build out will be far less costly than trying to...
by open_circuit
Thu Aug 16, 2018 10:52 am
Forum: Personal Consumer Issues
Topic: Sign - Speed checked by Radar
Replies: 41
Views: 2934

Re: Sign - Speed checked by Radar

I like the ones that say "enforced by aircraft". I've always wondered how the aircraft plans to stop a speeding vehicle, rather than simply monitor it? yeah, I'm 99% sure those are BS This was a real thing in VA which is why the signs were put up. It was a program in the early 00s where the state t...
by open_circuit
Thu Aug 16, 2018 9:33 am
Forum: Personal Consumer Issues
Topic: Sign - Speed checked by Radar
Replies: 41
Views: 2934

Re: Sign - Speed checked by Radar

I like the ones that say "enforced by aircraft". I've always wondered how the aircraft plans to stop a speeding vehicle, rather than simply monitor it?
by open_circuit
Wed Aug 15, 2018 2:29 pm
Forum: Personal Consumer Issues
Topic: Where to buy white, athletic fit dress shirt?
Replies: 52
Views: 3051

Re: Where to buy white, athletic fit dress shirt?

I'm looking for a new dress shirt to wear with a suit. Would like something with an athletic fit and that looks nice. I'll only wear it once or twice a year so not looking to spend a ton, unless there's a significant difference in look and quality. Any recommendations? I've had success at Kohl's an...
by open_circuit
Mon Aug 13, 2018 10:14 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Prime Money Market
Replies: 5
Views: 1120

Re: Vanguard Prime Money Market

I would like to see them offer Admiral Shares so we could get a higher rate on a half a million invested. They do, under VMRXX. It has a $5 million minimum investment, however. Clearly not intended for (most) individual investors. I would also be pleased to see a lower (attainable) minimum for this...
by open_circuit
Mon Aug 13, 2018 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Paper checks yes or no?
Replies: 116
Views: 6762

Re: Paper checks yes or no?

I can think of several places where we use checks because credit cards and cash are not accepted. Property taxes and private child care (before / after school) stand out as the largest dollar amount ones. I would hope your county allows ACH property tax bill payments. They charge a fee for eCheck (...
by open_circuit
Fri Aug 10, 2018 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Paper checks yes or no?
Replies: 116
Views: 6762

Re: Paper checks yes or no?

I can think of several places where we use checks because credit cards and cash are not accepted. Property taxes and private child care (before / after school) stand out as the largest dollar amount ones.
by open_circuit
Thu Aug 09, 2018 9:52 am
Forum: Personal Consumer Issues
Topic: Moving soon; whom to hire to help me move?
Replies: 27
Views: 2431

Re: Moving soon; whom to hire to help me move?

I was very glad to have a full service move in our last interstate move. Employer move assistance program chose the mover, so I did not have to make the same decision you are evaluating, fortunately. This was my only experience hiring movers, and it went far better than I expected. The only point of...
by open_circuit
Thu Aug 02, 2018 1:27 pm
Forum: Personal Consumer Issues
Topic: Hiking vacation in November - any recomendations?
Replies: 35
Views: 2115

Re: Hiking vacation in November - any recomendations?

I would agree entirely with this. Someone before me mentioned southern Utah parks so I was trying to offer other ideas. One drawback however of Moab might be driving time from and back to the airport and what that subtracts from time doing your activities. United runs flights from Denver to Moab, e...
by open_circuit
Thu Aug 02, 2018 12:08 pm
Forum: Personal Consumer Issues
Topic: Gated communities pros and cons? (Atlanta or anywhere.)
Replies: 67
Views: 4457

Re: Gated communities pros and cons? (Atlanta or anywhere.)

I was never a resident in such a community, but my in-laws were. They lived close enough that we would visit often, but we always found it to be annoying and inconvenient to visit with the gated guard station and ID check. When the in-laws did not hear the phone, or were out of town but we needed to...
by open_circuit
Mon Jul 30, 2018 3:05 pm
Forum: Personal Consumer Issues
Topic: Road trip Des Moines to Omaha to Kansas City
Replies: 39
Views: 2187

Re: Road trip Des Moines to Omaha to Kansas City

This isn't quite between Des Moines and Omaha, but is nearby -- the future birthplace of James T Kirk.
https://www.roadsideamerica.com/story/2081

I imagine if you are the sort to be interested in visiting this, you'd already have it on your list, though. Enjoy the trip!
by open_circuit
Wed Jul 18, 2018 8:49 am
Forum: Personal Consumer Issues
Topic: 35 minute connection for flight, long enough?
Replies: 65
Views: 3904

Re: 35 minute connection for flight, long enough?

No. I consider anything under 1 hour too short, as a general rule. For busy times or huge airports (like Denver), I would add in extra margin.
by open_circuit
Fri Jun 29, 2018 9:08 am
Forum: Personal Consumer Issues
Topic: Should I replace my water heater?
Replies: 50
Views: 3305

Re: Should I replace my water heater?

I would replace it before it causes a problem. I moved into a 15 year old house less than two years ago, and had a 15 year old water heater. I replaced it within 6 months of moving in. I took my own advice.
by open_circuit
Fri Jun 22, 2018 9:16 am
Forum: Investing - Help with Personal Investments
Topic: $1,700,000 from family trust...
Replies: 83
Views: 10960

Re: $1,700,000 "Portfolio Review" update from family trust

I'm not sure if it's a problem. I just noticed a bunch of the same text and wondered if it was any different. It's at least helpful to reference the original thread so folks have context to work from. Cheers.
by open_circuit
Fri Jun 22, 2018 8:52 am
Forum: Investing - Help with Personal Investments
Topic: $1,700,000 from family trust...
Replies: 83
Views: 10960

Re: $1,700,000 "Portfolio Review" update from family trust

Isn't this a direct repost from two months ago?

viewtopic.php?t=249877
by open_circuit
Mon Jun 18, 2018 10:48 am
Forum: Personal Consumer Issues
Topic: Which Supermarket are you?
Replies: 155
Views: 9239

Re: Which Supermarket are you?

Sprouts

Good quality produce and meat, great prices, no loyalty program / club card required, and good employees.
by open_circuit
Thu Jun 14, 2018 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Jumbo vs Conforming Loan and then Recast
Replies: 4
Views: 454

Re: Jumbo vs Conforming Loan and then Recast

In my experience with conforming loans, Wells Fargo can sell the loan / servicing to anyone they desire. That said, they bought one of my previous loans in the past, and never sold the loan they originated for me. There is no guarantee they will service your loan for the entire term, but they have b...
by open_circuit
Wed Jun 13, 2018 10:43 am
Forum: Personal Consumer Issues
Topic: Does anyone use Imperfect Produce?
Replies: 9
Views: 1208

Re: Does anyone use Imperfect Produce?

Never heard of it. Looks interesting, but doesn't deliver to my area. They do deliver to "Indianapolis, Illinois", wherever that is, though.
by open_circuit
Mon Jun 11, 2018 10:13 am
Forum: Personal Consumer Issues
Topic: Light Camping Trailer
Replies: 42
Views: 3766

Re: Light Camping Trailer

Outback owner. I've considered this several times. Given the towing limitations of the outback, the most attractive option I've found is something like this: https://theusatrailerstore.com/double-duty-utility-camping-trailer/ Lifetime used to make one that was sold on Amazon and Costco, but they sto...
by open_circuit
Fri Jun 01, 2018 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Comparing jobs: bonus vs no bonus
Replies: 26
Views: 1788

Re: Comparing jobs: bonus vs no bonus

When my wife or I have had a salary structure with substantial annual bonus components (20% or more), we always budget as if the bonus is 0. We've also never accepted a job if the base salary would not meet our budgeting requirements. We are (clearly) ultra conservative in this regard, but our budge...
by open_circuit
Wed May 30, 2018 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Have $3m at 33, "approach to career" advice needed
Replies: 100
Views: 14606

Re: Have $3m at 33, "approach to career" advice needed

With expenses at 95-100k (next year) and your stated net worth, I'd retire and do whatever you think is fun that brings in enough money to pay its own way. Run a small local business for fun and only worry about making enough money to keep the lights on and be happy, go work for a company who does w...
by open_circuit
Wed May 30, 2018 9:47 am
Forum: Personal Consumer Issues
Topic: moto g6
Replies: 9
Views: 1040

Re: moto g6

Beware the prime exclusive offering seems to come with a bunch of amazon stuff bundled by default. It is not the normal "unlocked" default android experience. Perhaps a plus or a minus, depending on your usage and preferences, this one comes pre-loaded with the Amazon voice assistant and some other ...
by open_circuit
Wed May 23, 2018 9:51 am
Forum: Personal Consumer Issues
Topic: Rental car in Denver, CO
Replies: 22
Views: 1911

Re: Rental car in Denver, CO

I plan to go to Denver, CO in late July, return early August. I'd like to have use of a car while I'm there. I'll be driving up and down the front range, no big trips. I'll be traveling from the east coast. Takes me 2-4 days way by car. I'd rather spend the time there. I probably need 10-14 days of...
by open_circuit
Fri May 18, 2018 11:19 am
Forum: Personal Consumer Issues
Topic: Moving to Texas - [Request for clothes, car window tint] recommendations
Replies: 42
Views: 3396

Re: Moving to Texas - [Request for clothes, car window tint] recommendations

The problem here is that companies keep their offices freaking cold in the summer to combat the heat outside, so most need a light sweater or something to wear at their desk. Definitely this. I was always cold in my office during summer when I lived in DFW, but would melt when I got into my scorchi...