Search found 171 matches

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: 3206

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: 3071

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: 10465

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: 10465

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: 8392

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: 395

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: 1171

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: 3580

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: 1676

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: 99
Views: 12721

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: 966

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: 1752

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: 3194

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...
by open_circuit
Tue May 15, 2018 12:51 pm
Forum: Personal Consumer Issues
Topic: Car mileage, Fuel additives and other
Replies: 31
Views: 1598

Re: Car mileage, Fuel additives and other

1. Use the octane the manufacture recommends. No more/No less I agree with this, but be aware that available octanes differ based on altitude. In New Mexico and Colorado, for instance, pumps often only carry 85 (regular), 87 (mid), and 91 (premium) octane. 93 premium, available near sea level, is n...
by open_circuit
Wed May 09, 2018 9:55 am
Forum: Personal Consumer Issues
Topic: Gas Fireplace - Shut off pilot light during warm months??
Replies: 33
Views: 29008

Re: Gas Fireplace - Shut off pilot light during warm months??

I've only had a gas fireplace for one summer so far. Last summer, I left the pilot on. This spring, I've turned it off. I suppose I'll see what effect it has this year. The pilot alone produced a noticeable amount of heat from the fireplace last summer, so it seems like a good idea to leave it off w...
by open_circuit
Thu May 03, 2018 9:22 am
Forum: Personal Consumer Issues
Topic: Bucket List Adventures/Activities
Replies: 110
Views: 8509

Re: Bucket List Adventures/Activities

Become conversational in at least two languages besides your childhood / native language. Use these to support international travel.
by open_circuit
Mon Apr 30, 2018 10:20 am
Forum: Personal Consumer Issues
Topic: Gate latch that opens from both sides?
Replies: 11
Views: 848

Re: Gate latch that opens from both sides?

https://www.homedepot.com/p/Everbilt-Bl ... /202042254

All of my gates at my prior house had latches like this. They are operable from both sides.
by open_circuit
Thu Apr 26, 2018 9:33 am
Forum: Personal Consumer Issues
Topic: Comfortable Commuter Cars under $50K
Replies: 81
Views: 6113

Re: Comfortable Commuter Cars under $50K

Two nice used cars and switch every few days based on the weather?
by open_circuit
Wed Apr 25, 2018 11:38 am
Forum: Personal Consumer Issues
Topic: Do you have a car w/o ABS?
Replies: 53
Views: 2432

Re: Do you have a car w/o ABS?

ABS isn't the only safety feature an older car doesn't have. Key active safety systems include: Automatic emergency braking (AEB): Brakes are automatically applied to prevent a collision or reduce collision speed. Forward-collision warning (FCW): Visual and/or audible warning intended alert the dri...
by open_circuit
Wed Apr 25, 2018 10:22 am
Forum: Personal Consumer Issues
Topic: Do you have a car w/o ABS?
Replies: 53
Views: 2432

Re: Do you have a car w/o ABS?

Our daily drivers have ABS and traction/stability control. Our third vehicle (older Jeep Wrangler) has no fancy features -- no ABS, no traction control, etc. Before buying the Jeep, it has been about 15 years since I regularly drove a vehicle without ABS. For a daily driver, I prefer having ABS and ...
by open_circuit
Tue Apr 24, 2018 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Charles Schwab international ATM (worth the hard credit pull)
Replies: 25
Views: 1960

Re: Charles Schwab international ATM (worth the hard credit pull)

I set up a Schwab account before a recent international trip, just as you are considering. I found it very useful for foreign ATMs. I was not concerned about a credit pull and any impact on score. I recommend the account and card.
by open_circuit
Fri Apr 20, 2018 1:25 pm
Forum: Personal Consumer Issues
Topic: Best places to find discontinued appliance parts?
Replies: 14
Views: 1438

Re: Best places to find discontinued appliance parts?

MP123 wrote:
Wed Apr 18, 2018 3:54 pm
I've used https://www.repairclinic.com/ for appliance parts several times. It's worth check to see if they have it.
I second this site. They had the parts I needed and good instructions on how to replace the parts in the past.
by open_circuit
Tue Apr 17, 2018 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Best cash back card right NOW.
Replies: 34
Views: 4317

Re: Best cash back card right NOW.

Ice-9 wrote:
Tue Apr 17, 2018 2:05 pm
I get that VG=Vanguard and BoA=Bank of America. Probably a dumb question, but I can't figure out for the life of me what ME is. Could someone please spell it out for the uninitiated?
Since the card mentioned is Bank of America, it must be Merrill Edge, a Bank of America brand / company ?
by open_circuit
Mon Apr 16, 2018 4:22 pm
Forum: Personal Consumer Issues
Topic: Owning 3 vehicles
Replies: 30
Views: 3016

Re: Owning 3 vehicles

We only acquired a third vehicle after we had a house / driveway / garage combination that allows us to park all three on our property. We also bought a third vehicle that was older than our primary vehicles and provides utility that our primary vehicles do not. I'd recommend most or all of these to...
by open_circuit
Mon Apr 16, 2018 9:36 am
Forum: Personal Consumer Issues
Topic: Costco gas
Replies: 67
Views: 6228

Re: Costco gas

I've never bought gas at Costco in my life. I presume you'd need to be a member to buy gas there? Regardless, I'd have to drive 15 minutes out of my way, past many other gas stations, to get to one, so I can't imagine doing that.
by open_circuit
Tue Apr 10, 2018 2:12 pm
Forum: Personal Consumer Issues
Topic: Driver's permit before 18 - Any financial incentive
Replies: 52
Views: 2137

Re: Driver's permit before 18 - Any financial incentive

My parents were happy to have another person in the house to run errands and drive myself to school . Around here, they have these yellow vehicles called "school buses" that transport kids to and from school. They look like this: https://www.naschools.net/cms/lib/MA02202086/Centricity/Domain/7640/C...
by open_circuit
Mon Apr 09, 2018 3:12 pm
Forum: Personal Consumer Issues
Topic: Robotic lawn mowers
Replies: 18
Views: 1527

Re: Robotic lawn mowers

We had a robotic lawn mower about 10 years ago. It was gifted to us, and I would never have bought one. We had to set up a loop of wire in the yard to establish the perimeter (think invisible fence for a dog). The unit we had used three small blades to cut. Our back yard was fenced in with a 6ft ced...
by open_circuit
Thu Mar 15, 2018 10:27 pm
Forum: Personal Consumer Issues
Topic: Colorado Summer Vacation - what to see and where to stay
Replies: 53
Views: 3789

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

Just saw on their web site that the Pikes Peak cog railway will NOT reopen for 2018 and maybe beyond. So no need to consider that. This is brand new info. They say the infrastructure and equipment have run their course. There was only one mention in all the above posts, so I guess I'm not sad. That...
by open_circuit
Thu Mar 15, 2018 9:38 am
Forum: Personal Consumer Issues
Topic: Grand Canyon and Utah Parks
Replies: 16
Views: 1636

Re: Grand Canyon and Utah Parks

We lodged in Williams and took the historic railroad into the Grand Canyon National Park with our kids a few years ago. The kids enjoyed the train. Maybe not the best way to visit GC NP if you do not have the kids and have no interest in the train. Moab is a great base for the southeastern Utah park...
by open_circuit
Tue Mar 13, 2018 1:49 pm
Forum: Personal Consumer Issues
Topic: Do/Why don't a lot of people by mobile homes in the Bay Area?
Replies: 30
Views: 3411

Re: Do/Why don't a lot of people by mobile homes in the Bay Area?

Certainly some have tried this. The story of a Google engineer who lived in the parking lot for a while in a box truck comes to mind.

http://www.businessinsider.com/google-e ... ot-2015-10
by open_circuit
Fri Mar 09, 2018 1:52 pm
Forum: Personal Consumer Issues
Topic: What do you pay for your phone/cable/internet? REAL total with tax?
Replies: 48
Views: 3093

Re: What do you pay for your phone/cable/internet? REAL total with tax?

Comcast, internet only, the price is inclusive of taxes and fees for us. Cell phone with T-Mobile, same deal. Sounds like you're either getting a bad deal or your TV / phone portion of your bill is generating a lot of non-included fees.
by open_circuit
Fri Mar 09, 2018 1:16 pm
Forum: Personal Consumer Issues
Topic: As a home buyer, do you use your own realtor or agent?
Replies: 25
Views: 2297

Re: As a home buyer, do you use your own realtor or agent?

I did not use an agent to buy my first home (new construction from builder), but did use an agent for our interstate move. I found an agent to be helpful when moving to an unfamiliar city.
by open_circuit
Tue Mar 06, 2018 10:40 am
Forum: Personal Consumer Issues
Topic: Colorado Summer Vacation - what to see and where to stay
Replies: 53
Views: 3789

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

You might enjoy Georgetown and the railroad for something a little different. It would be on the loop from RMNP -> 70 -> Denver.

https://www.georgetownlooprr.com/
by open_circuit
Tue Feb 27, 2018 10:34 am
Forum: Personal Consumer Issues
Topic: "Don't tow an AWD vehicle"?
Replies: 13
Views: 1145

Re: "Don't tow an AWD vehicle"?

Find a buddy with a recovery winch (look for the guy with a lifted Jeep or pickup truck). In my neighborhood, about one in ten people have a winch already, so you probably have at least one neighbor with one. You can put the Volvo in neutral and pull it a few feet, no problem.
by open_circuit
Tue Feb 27, 2018 10:15 am
Forum: Personal Consumer Issues
Topic: "Don't tow an AWD vehicle"?
Replies: 13
Views: 1145

Re: "Don't tow an AWD vehicle"?

Some AWD can be flat towed (all four wheels on the ground). My manual transmission Subaru can be flat-towed in neutral, though I doubt I'll ever try. As the other poster mentioned, since you can't disconnect the front/rear axles, you should never tow an AWD vehicle with only two wheels on the ground...
by open_circuit
Tue Feb 20, 2018 12:36 pm
Forum: Personal Consumer Issues
Topic: Furnace Setting for Vacation
Replies: 23
Views: 1732

Re: Furnace Setting for Vacation

I recently read online that 50-60 is OK for vacation/unoccupied homes. Should prevent any pipes from freezing. I have a pipe that will freeze when outside temps are 15F and below if the inside temp is not ~70F or higher. Much easier and cheaper to just drain the pipes when I leave and then turn the...
by open_circuit
Tue Feb 20, 2018 11:41 am
Forum: Personal Consumer Issues
Topic: Furnace Setting for Vacation
Replies: 23
Views: 1732

Re: Furnace Setting for Vacation

I set to 55 and drain my pipes. No worries about freezing pipes in exterior walls that way, and little energy spent heating/cooling an unoccupied space.
by open_circuit
Wed Feb 14, 2018 10:06 am
Forum: Personal Consumer Issues
Topic: Digital alarm clock suggestions?
Replies: 38
Views: 3229

Re: Digital alarm clock suggestions?

I've been using the same Sony ICF C26 for about 30 years. It meets all of your criteria except for the "reverse time" buttons. I don't find this to be an issue, but I have had quite some time to become acclimated to this particular clock. Works great. It appears e-bay has some listed for ~$16. https...
by open_circuit
Fri Feb 09, 2018 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken Alternatives
Replies: 25
Views: 2779

Re: Quicken Alternatives

I also use MoneyDance. I switched from Quicken to MD over a decade ago. It works well for my needs.
by open_circuit
Thu Feb 08, 2018 1:06 pm
Forum: Personal Consumer Issues
Topic: Who has had a pool?
Replies: 79
Views: 4866

Re: Who has had a pool?

verbose wrote:
Thu Feb 08, 2018 12:47 pm
- Chemicals should be kept inside the home where it's climate-controlled--not in a shed or garage.
Which chemicals are you referring to? We used muriatic acid to adjust PH in our pool. I would never store that inside my living space.
by open_circuit
Thu Feb 08, 2018 11:50 am
Forum: Personal Consumer Issues
Topic: Who has had a pool?
Replies: 79
Views: 4866

Re: Who has had a pool?

We had a very inexpensive above-ground pool for two years, then built an in-ground pool. We started with the above ground pool when the kids were about 4 and 3, and moved away from the house with the in-ground pool when they were 8 and 7. We owned and operated the in-ground pool for about 2.5 years ...
by open_circuit
Tue Feb 06, 2018 1:42 pm
Forum: Personal Consumer Issues
Topic: Vacation options for wide age-range of children?
Replies: 27
Views: 1895

Re: Vacation options for wide age-range of children?

I thought Wisconsin Dells is super tacky / kitchy when I took my kids a few years ago. We visited while we were in WI already, but I would not make a trip cross country just to visit there.
by open_circuit
Wed Jan 31, 2018 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Car Lease -- High Residual Value -- what am I missing?
Replies: 49
Views: 5223

Re: Car Lease -- High Residual Value -- what am I missing?

Regarding your mileage, I do closely track mine, and can offer a data point for a car that got most of its miles from road trips and weekend driving. I put 7150 and 7800 miles on my primary car in 2016 and 2015, respectively. I drove round trip to work ever week day, but total round trip distance wa...
by open_circuit
Wed Jan 31, 2018 9:38 am
Forum: Investing - Help with Personal Investments
Topic: Introduction, or How does my portfolio look?
Replies: 11
Views: 758

Re: Introduction

If it were me, I'd get rid of the commodities. A 2% allocation is not going to make any significant difference one way or another. I'd also get rid of the cash allocation inside the IRA and move it into either stocks or bonds. If you want to hold a cash allocation as an emergency fund, that's fine,...
by open_circuit
Tue Jan 30, 2018 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Should I join Linkedin?
Replies: 48
Views: 4018

Re: Should I join Linkedin?

Not sure it has helped me in any way. I signed up before my last job search, but don't use it otherwise. I did not find my job through any LinkedIn contact or job listing. I've only ever used it in a web browser in incognito mode.
by open_circuit
Tue Jan 23, 2018 10:27 am
Forum: Personal Consumer Issues
Topic: Is a minivan the only commuter vehicle / backup with 3 children?
Replies: 40
Views: 2784

Re: Is a minivan the only commuter vehicle / backup with 3 children?

Do you really want to be moving a bunch of car seats back and forth between vehicles? Get another Corolla, and drive the kids around in the minivan. They 8 and 4 year old are probably in boosters (or the 4 year old will be soon). Boosters aren't expensive, and we keep a booster per child in each of...
by open_circuit
Tue Jan 23, 2018 9:43 am
Forum: Personal Consumer Issues
Topic: Is a minivan the only commuter vehicle / backup with 3 children?
Replies: 40
Views: 2784

Re: Is a minivan the only commuter vehicle / backup with 3 children?

Alternatively, a Mazda 5 is a nice compact minivan/MPV that has the same footprint essentially as the Mazda-3 or Toyota Corolla. If I had to choose a single vehicle to function as a fuel-efficient commuter and a kid-hauler, I would probably pick that one. We've owned two Mazda 5s. My wife loves it ...
by open_circuit
Fri Jan 19, 2018 4:33 pm
Forum: Personal Consumer Issues
Topic: Home Humidifier input please
Replies: 48
Views: 3027

Re: Home Humidifier input please

We have an Aprilaire bypass unit in our main house. We have a second, separate space with dedicated HVAC as well, and there is no humidifier for the second HVAC space & system. For comparison, the main house is at 32% RH today, while the other space is at 20% RH. The humidifier only runs while the ...
by open_circuit
Fri Jan 19, 2018 3:14 pm
Forum: Personal Consumer Issues
Topic: Home Humidifier input please
Replies: 48
Views: 3027

Re: Home Humidifier input please

We have an Aprilaire bypass unit in our main house. We have a second, separate space with dedicated HVAC as well, and there is no humidifier for the second HVAC space & system. For comparison, the main house is at 32% RH today, while the other space is at 20% RH. The humidifier only runs while the f...