Search found 275 matches

by open_circuit
Fri Sep 06, 2019 9:03 am
Forum: Personal Finance (Not Investing)
Topic: BofA ShopSafe going away
Replies: 109
Views: 7192

Re: BofA ShopSafe going away

LiveSimple wrote:
Thu Sep 05, 2019 2:22 pm
Uhmmm I use this .... is there any alternatives with other banks....
Capital one offers virtual card numbers with their "eno" tool.
by open_circuit
Thu Sep 05, 2019 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Current 15 year mortgage rates- refi?
Replies: 6
Views: 1079

Re: Current 15 year mortgage rates- refi?

This is the same rate and term I've seen on aimloan for the last couple weeks.
by open_circuit
Mon Aug 19, 2019 9:13 am
Forum: Personal Consumer Issues
Topic: RV purchase ?
Replies: 86
Views: 6080

Re: RV purchase ?

Rent until you find one you like and confirm you will actually enjoy camping in a big trailer. We started renting smaller trailers recently to see if we could find our camping sweet spot. Turns out, despite more creature comforts compared with tent camping, I still just don't like camping very much....
by open_circuit
Fri Aug 02, 2019 3:13 pm
Forum: Personal Consumer Issues
Topic: Pluto tv - free internet tv
Replies: 11
Views: 1306

Re: Pluto tv - free internet tv

This service is linked on Vizio TVs with a dedicated virtual input as well. I think it is becoming widely known.
by open_circuit
Thu Jul 18, 2019 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Post Daycare Finances
Replies: 25
Views: 2517

Re: Post Daycare Finances

... I said that would free up significant cash flow equivalent to a mortgage payment. ... What am I missing here? What are other people’s experiences? I’m hoping he’s exaggerating. Thanks. We realized substantial cash flow increase and decrease in overall expenses when our kids entered public schoo...
by open_circuit
Thu Jul 18, 2019 3:49 pm
Forum: Personal Consumer Issues
Topic: Automatic Watches
Replies: 92
Views: 5759

Re: Automatic Watches

AAA wrote:
Thu Jul 18, 2019 3:04 pm
After further consideration, I decided to get a Seiko 5 automatic
Hope you enjoy it. This thread has caused me to wear my Seiko 5 again after a short break trying an inexpensive smartwatch. :sharebeer
by open_circuit
Wed Jul 17, 2019 1:47 pm
Forum: Personal Consumer Issues
Topic: Selling Older Devices (SmartPhones) online
Replies: 13
Views: 1081

Re: Selling Older Devices online

bloom2708 wrote:
Wed Jul 17, 2019 1:44 pm
I prefer Swappa.com
I have also been successful with Swappa. I've sold several devices on this platform with no issues.
by open_circuit
Wed Jul 17, 2019 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Working 4 days a week?
Replies: 39
Views: 3073

Re: Working 4 days a week?

neilpilot wrote:
Wed Jul 17, 2019 10:00 am
For years I also worked a 4/10 schedule, be was able to set it up to alternate starting on Monday and Tuesday. I preferred having a 4-day weekend every other week, since that made short trips much nicer.
That's a clever idea. I've never considered that before. Thanks for pointing it out.
by open_circuit
Mon Jul 15, 2019 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Property tax value from pool = $63k ??
Replies: 10
Views: 1900

Re: Property tax value from pool = $63k ??

I think there was a recent thread on contesting property tax bills in Texas. If I remember right there are a bunch of private companies that do it for a cut of the savings they obtain on your behalf. I'm in California and we have a different process. This was the case when I lived in Texas. Fightin...
by open_circuit
Thu Jul 11, 2019 9:30 am
Forum: Personal Consumer Issues
Topic: Automatic Watches
Replies: 92
Views: 5759

Re: Automatic Watches

Another vote for a Seiko 5 if you want an inexpensive automatic with a good movement to get started. I have had one for many years and quite like it. How often do you adjust the time? Every few (3-4) days. It also tends to run down if I don't wear it for a few days (such as on weekends). It seems t...
by open_circuit
Thu Jul 11, 2019 9:19 am
Forum: Personal Consumer Issues
Topic: Automatic Watches
Replies: 92
Views: 5759

Re: Automatic Watches

Another vote for a Seiko 5 if you want an inexpensive automatic with a good movement to get started. I have had one for many years and quite like it.
by open_circuit
Wed Jul 10, 2019 11:05 am
Forum: Personal Consumer Issues
Topic: Grill Mat
Replies: 29
Views: 2610

Re: Grill Mat

I like using my cast iron pan or griddle for these applications. What's the benefit of a mat over a big chunk of solid iron?
by open_circuit
Wed Jun 12, 2019 10:03 am
Forum: Personal Consumer Issues
Topic: Which shaving cream / oil?
Replies: 58
Views: 4049

Re: Which shaving cream / oil?

Cremo to shave, and some Proraso pre/post shave crème.
by open_circuit
Tue Jun 11, 2019 12:17 pm
Forum: Personal Consumer Issues
Topic: Luxembourg--worth visiting?
Replies: 31
Views: 2563

Re: Luxembourg--worth visiting?

The German city of Trier is only a 45 min train ride away from Luxembourg City. It has some interesting sites including an impressive cathedral and Roman ruins. It's also in the heart of the Mosel wine region if you're into wine. Trier is a neat little city. The Romans settled in this part of Germa...
by open_circuit
Mon Jun 10, 2019 4:26 pm
Forum: Personal Consumer Issues
Topic: Luxembourg--worth visiting?
Replies: 31
Views: 2563

Re: Luxembourg--worth visiting?

I visited 20 years ago and have fond memories of Luxembourg. I would not pass up an easy opportunity to visit. I was only there for a day, while passing through from France to Germany.
by open_circuit
Wed Jun 05, 2019 11:31 am
Forum: Personal Consumer Issues
Topic: Trailer Camping while Skiing?
Replies: 14
Views: 1151

Re: Trailer Camping while Skiing?

I haven't skied at Taos, but my impression is that it's not a great place for a family with beginners. Taos has some great skiing and challenging terrain. I haven't taken my kids there, though. We've enjoyed Red River and Angelfire for family skiing. I hear Sipapu may be good for families and begin...
by open_circuit
Wed Jun 05, 2019 9:05 am
Forum: Personal Consumer Issues
Topic: Trailer Camping while Skiing?
Replies: 14
Views: 1151

Re: Trailer Camping while Skiing?

Red River, NM has an RV park on the west side of town. You should be able to reserve an RV space there. I've seen plenty of trailers / RVs in Colorado for this purpose, but I'm not sure where they park overnight. They may take advantage of dispersed camping (https://gearjunkie.com/camp-free-public-l...
by open_circuit
Mon Jun 03, 2019 3:23 pm
Forum: Personal Consumer Issues
Topic: Fair price to have a hitch installed (2017 Subaru Forester)
Replies: 12
Views: 1010

Re: Fair price to have a hitch installed (2017 Subaru Forester)

If you have some way to test the wiring, do so. I've checked wiring for people borrowing my trailer who had UHaul do the install. Almost always, they don't connect the ground wire so none of the lights work. I picked up a 4-flat wiring tester at Home Depot for about $6 a few weeks ago, since I was ...
by open_circuit
Wed May 29, 2019 12:18 pm
Forum: Personal Consumer Issues
Topic: Its a Jeep thing?
Replies: 40
Views: 3588

Re: Its a Jeep thing?

Remember, not a single tire vendor or service seller will let you know that your tires are in perfectly good condition. Never ask for advice from a person who has conflict of interest... His tires were 13 years old according to his post. There have been countless tire threads on this forum where ol...
by open_circuit
Wed May 29, 2019 11:58 am
Forum: Personal Consumer Issues
Topic: Its a Jeep thing?
Replies: 40
Views: 3588

Re: Its a Jeep thing?

adamthesmythe wrote:
Wed May 29, 2019 11:58 am
It's a unique vehicle with a cult following.

The Jeep is an unusual case of a vehicle with poor reliability that retains its value very well. It also gets rotten gas mileage.
You're right. I prefer to think of it as smiles per gallon instead of miles per gallon, though. :sharebeer
by open_circuit
Wed May 29, 2019 11:26 am
Forum: Personal Consumer Issues
Topic: Its a Jeep thing?
Replies: 40
Views: 3588

Re: Its a Jeep thing?

Well you must know more about this jeep thing than us since you didn't take that offer. No not at all...its just if I sold it I would have to find something else to replace it with...I am just amazed at how well these really simple Jeeps hold their value? Its good for taking the toys down to the be...
by open_circuit
Wed May 29, 2019 11:06 am
Forum: Personal Consumer Issues
Topic: Its a Jeep thing?
Replies: 40
Views: 3588

Re: Its a Jeep thing?

Wrangler LJs (2004-2006 unlimited) are highly sought after. I own a 2005. In Colorado, you will easily get 16-18k for a 2004-2006 with ~100k miles. I bet you could get over 20 with the right buyer and such low miles. They are fantastic for offroading, and the longer wheelbase of the 2004-2006 unlimi...
by open_circuit
Fri May 24, 2019 12:09 pm
Forum: Personal Consumer Issues
Topic: Prius Prime plug in
Replies: 22
Views: 2161

Re: Prius Prime plug in

Totally agree with this. Sunroofs are notorious for exploding. Check this for a Prius-specific one: https://priuschat.com/threads/exploding-sunroof.125260/ We had one spontaneously explode during highway driving on a trip a few years ago. I will not willingly buy a sunroof again. (Not on a prius)
by open_circuit
Fri Apr 19, 2019 12:41 pm
Forum: Personal Consumer Issues
Topic: At what point would you hire someone vs. cut down a tree yourself?
Replies: 88
Views: 3773

Re: At what point would you hire someone vs. cut down a tree yourself?

At the start. I don't have any experience with this work, nor a chainsaw. I'm all for DIY, but if I can risk seriously damaging my property or losing my life, it's time to hire someone.
by open_circuit
Fri Apr 05, 2019 12:06 pm
Forum: Personal Consumer Issues
Topic: Things to do in Dallas when rainy
Replies: 11
Views: 784

Re: Things to do in Dallas when rainy

All the major sports venues are indoors. That includes even practice fields for high school football. That's not really true. The Texas Rangers and FC Dallas both play in outdoor stadiums without a roof. I'm not sure what you're trying to get at. Tongue in cheek perhaps, and I just can't read the w...
by open_circuit
Fri Apr 05, 2019 9:03 am
Forum: Personal Consumer Issues
Topic: Things to do in Dallas when rainy
Replies: 11
Views: 784

Re: Things to do in Dallas when rainy

The national video game museum is up in Frisco, about 30 miles north of Dallas (http://www.nvmusa.org/). If you still want to hit some golf balls, you could head over to one of the Top Golf locations, which should provide enough cover to keep you dry, at least on the lower decks. However, it rarely ...
by open_circuit
Mon Apr 01, 2019 12:57 pm
Forum: Personal Consumer Issues
Topic: Installing Hitch on my Subaru Outback
Replies: 51
Views: 2986

Re: Installing Hitch on my Subaru Outback

Another vote for e-trailer and DIY (or pay your friend $40/hour). I recently bought (from e-trailer) and installed a hitch on my wife's vehicle. They provided good, clear installation instructions and free shipping. The only difficulty I encountered was lack of an appropriate hole saw to enlarge an ...
by open_circuit
Fri Mar 29, 2019 9:51 am
Forum: Personal Finance (Not Investing)
Topic: To Escrow, or to NOT Escrow
Replies: 24
Views: 1202

Re: To Escrow, or to NOT Escrow

I have never escrowed taxes and insurance with any mortgage I've held. I prefer to manage my cash myself. This has caused a little confusion when switching insurance in the past, as I've had carriers assume escrow and list the mortgage lender as the responsible billing party. If you are responsible ...
by open_circuit
Mon Mar 25, 2019 12:35 pm
Forum: Personal Investments
Topic: Just Broke Up with My Broker/Advisor
Replies: 10
Views: 1706

Re: Just Broke Up with My Broker/Advisor

It's almost in a SEP that I can no longer contribute to due to being a founder of my company (we now offer a 401k that is separate from all of this). My wife and I also have some money in separate Roth accounts. And, finally, there is a small amount in a taxable account. Cap gains to cash out are m...
by open_circuit
Fri Mar 22, 2019 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Canceling escrow account
Replies: 25
Views: 2477

Re: Canceling escrow account

For others, you can simply not do escrow in the first place. When you apply for your mortgage you let them know that you will not be doing escrow. We did this when we bought our houses. However, I believe that the down payment must be large enough for the bank to agree to this. When I recently requ...
by open_circuit
Thu Mar 21, 2019 3:41 pm
Forum: Investing - Theory, News & General
Topic: The $4,026,858.95 Car or a Worry-Free Retirement?
Replies: 245
Views: 13057

Re: The $4,026,858.95 Car or a Worry-Free Retirement?

PluckyDucky wrote:
Thu Mar 21, 2019 3:39 pm
Items merely for comfort are a waste in my opinion. Once you become comfortable, it's difficult to cut back. Ignorance is bliss.
Hedonistic adaptation is my enemy as well. :sharebeer

Thanks for the post Taylor.
by open_circuit
Wed Mar 20, 2019 10:19 am
Forum: Personal Consumer Issues
Topic: Beta Vanguard APP
Replies: 61
Views: 4880

Re: Vanguard beta app email - legit or phishing?

Data point -- I got the same e-mail today as well.
by open_circuit
Mon Mar 18, 2019 11:53 am
Forum: Personal Consumer Issues
Topic: Fishing Kayak recommendation
Replies: 50
Views: 2743

Re: Fishing Kayak recommendation

Going to throw out a completely different opinion than most here -- small, inexpensive, light, and easy to store. Intex makes some inflatable kayaks that can be purchased for ~$75. Look up the Intex Explorer K2. These can accommodate one or two persons, and are extremely portable. If you just want a...
by open_circuit
Thu Mar 14, 2019 4:57 pm
Forum: Personal Consumer Issues
Topic: Graphics problems
Replies: 8
Views: 521

Re: Graphics problems

I've had issues like that when my video card is in the process of failing or has already gone bad. This has happened with two different discrete video cards over the last 15 years. This doesn't mean your hardware has failed also, but do consider it a possibility.
by open_circuit
Tue Mar 12, 2019 11:14 am
Forum: Personal Consumer Issues
Topic: Vizio TV Remote Issue
Replies: 10
Views: 650

Re: Vizio TV Remote Issue

Probably the best bet is to use a third-party RF remote (instead of infra-red) with an IR-blaster that you can affix to the TV over the IR receiver. The idea here is that you would then have a separate remote (different RF band or codes) for each of the TVs. I suspect this is not the solution you ar...
by open_circuit
Tue Mar 05, 2019 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Accounting for a third car?
Replies: 18
Views: 1289

Re: Accounting for a third car?

As long as you have a place to park it, the costs do not have to be high. We bought a third car a couple years ago, and costs have not been higher than expected. Since you probably aren't buying a Jeep (just empty every pocket!) as your third vehicle like we did, your costs should even be lower than...
by open_circuit
Mon Mar 04, 2019 4:51 pm
Forum: Personal Consumer Issues
Topic: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish
Replies: 108
Views: 9127

Re: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish

I recall reading that classes at some state universities are free to audit for seniors who are local residents. University of Wisconsin, Madison comes to mind. (https://acsss.wisc.edu/senior-guest-auditors/) Op, I realize this doesn't answer your direct question, but I thought it would be useful to ...
by open_circuit
Mon Mar 04, 2019 2:08 pm
Forum: Personal Consumer Issues
Topic: Why do you live where you live?
Replies: 134
Views: 9496

Re: Why do you live where you live?

Moved a few years ago to where I live now simply for new experiences before the opportunity passed us by. Sought out a new job in a new city 800 miles from the prior place and made it happen. I never particularly wanted to live anywhere, but it felt like staying put in our prior residence simply bec...
by open_circuit
Mon Mar 04, 2019 11:31 am
Forum: Personal Consumer Issues
Topic: Snowblowers
Replies: 44
Views: 2231

Re: Snowblowers

I have an electric 15A snow blower. I do not find it particularly heavy or hard to maneuver, but I am also not elderly. It has handled up to ~7 inches of wet spring snow admirably, although I do often take less than full-width passes late season when the snow is wet and heavy. I can't comment on any...
by open_circuit
Fri Mar 01, 2019 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Company Travel Question
Replies: 34
Views: 1559

Re: Company Travel Question

The official policy at the last place I worked was (paraphrased) "an employee should neither gain nor lose money due to a business trip". I thought this was an equitable and concise way to summarize a travel policy. It seems this should be the right way for an employer to approach the situation -- t...
by open_circuit
Tue Feb 26, 2019 4:11 pm
Forum: Personal Consumer Issues
Topic: Things to do in Indiana
Replies: 64
Views: 4734

Re: Things to do in Indiana

OP here. We aren't retired (late 30s/early 40s) but simply take 5-7 days out of the year to go and visit a state we haven't been to yet. We went to Iowa/Nebraska last year and had a great time even though a lot of the attractions weren't "world class." Due to us closing on a house, we have to go a ...
by open_circuit
Sat Feb 16, 2019 11:18 am
Forum: Personal Investments
Topic: Vanguard Alert when Transferring Funds?
Replies: 5
Views: 364

Re: Vanguard Alert when Transferring Funds?

Vanguard manages costs on the fund partly by limiting transaction churn. It used to be (and probably still is) the case that automatic scheduled transactions are not affected by this warning. Additionally, you used to be able to send in a transaction request by mail that would also not be subject to...
by open_circuit
Thu Jan 31, 2019 8:47 pm
Forum: Personal Consumer Issues
Topic: Yubikey and Linux
Replies: 2
Views: 403

Re: Yubikey and Linux

Thanks for posting this. It can be really tough to figure out that a problem is because of a missing udev rule.
by open_circuit
Thu Jan 03, 2019 5:02 pm
Forum: Personal Investments
Topic: Will Your Bank Cash In U.S. Savings Bonds?
Replies: 4
Views: 540

Re: Will Your Bank Cash In U.S. Savings Bonds?

I cashed several mature (paper) EE bonds at Chase last year. It was quick and easy to do so. I didn't ask about other types of bonds.
by open_circuit
Thu Jan 03, 2019 11:07 am
Forum: Personal Consumer Issues
Topic: Snow Plowing
Replies: 54
Views: 2754

Re: Snow Plowing

I bought a snow blower when we moved to a snowy climate. I use it when we have more than an inch or two of snow. My driveway is maybe 80 ft long, but I've never considered hiring a plow for it. The blower is great when the snow is wet and heavy, but overkill for snow this time of year, which is ofte...
by open_circuit
Wed Dec 26, 2018 10:03 am
Forum: Personal Consumer Issues
Topic: Nice jeans for work with lowest average cost of ownership
Replies: 107
Views: 8101

Re: Nice jeans for work with lowest average cost of ownership

I've had your job, but I never wore jeans while supporting the factory, only slacks (Dockers or similar). I was quite junior in my career at the time, and it was important to me to appear professional. I no longer have a factory support position, but my vote is for Levi 505 or 569 -- something slim ...
by open_circuit
Thu Dec 06, 2018 10:08 am
Forum: Personal Consumer Issues
Topic: Streaming over-the-air TV on a laptop
Replies: 17
Views: 1403

Re: Streaming over-the-air TV on a laptop

There was another thread very much like this recently. I can't recall what to search for to find it, however. I think the requestor in that thread was not purely restricted to free, but the HD Homerun came up in that thread as well. I've been using an HD Homerun since the very first version, so long...
by open_circuit
Tue Dec 04, 2018 10:11 am
Forum: Personal Consumer Issues
Topic: ideas for a Xmas holiday in central Europe
Replies: 22
Views: 2248

Re: ideas for a Xmas holiday in central Europe

Stop by the Eisbachwelle in the English Garden while you are in Munich for the spectacle of some very cold surfing far from the normal waves.
by open_circuit
Mon Dec 03, 2018 9:49 am
Forum: Personal Consumer Issues
Topic: First Triathlon. What bike to buy?
Replies: 33
Views: 2043

Re: First Triathlon. What bike to buy?

I rode my first duathlon on a hybrid. It sucked, but proved to me that a better bike would improve my satisfaction and get regular use. I never bought a time trial or triathlon bike, but instead picked up a decent used road bike and outfitted it with aero bars for training and racing. I competed as ...