Search found 175 matches

by mrsbetsy
Sat Jun 22, 2019 3:28 pm
Forum: Personal Consumer Issues
Topic: Do you Casino? What do you play? Have you won?
Replies: 82
Views: 4358

Re: Do you Casino? What do you play? Have you won?

I meet my brother in Vegas one time a year for 2 days. We don't agree on hardly anything so this is one way that we can get along. :D I truly enjoy playing Craps and can be there for hours spending only $100 -$200. If you get on a table with fun people, it can be a real blast with plenty of cutting-...
by mrsbetsy
Mon Jun 17, 2019 2:11 pm
Forum: Personal Consumer Issues
Topic: User reviews - How do you use them?
Replies: 33
Views: 1268

Re: User reviews - How do you use them?

Amazon has a new movie out called Billion Dollar Bully. It's all about Yelp and how their review system works. It is worth the $4.
by mrsbetsy
Mon Jun 17, 2019 12:36 am
Forum: Personal Consumer Issues
Topic: My Bad Experience With Angie's List
Replies: 36
Views: 4125

Re: My Bad Experience With Angie's List

I realize that this may not work in every situation (e.g., for jobs that are small enough that a handyman suffices), but for larger jobs (e.g., HVAC) I've had good luck going through Costco. My assumption that the contractor must be good in order to have satisfied Costco's quality control has been ...
by mrsbetsy
Sun Jun 16, 2019 12:00 pm
Forum: Personal Consumer Issues
Topic: My Bad Experience With Angie's List
Replies: 36
Views: 4125

Re: My Bad Experience With Angie's List

It's worth the $4 to watch Billion Dollar Bully on Amazon.


https://www.amazon.com/Billion-Dollar-B ... way&sr=8-1

Our experience as small business owners confirms the evidence in this movie.
by mrsbetsy
Sat Jun 15, 2019 11:28 am
Forum: Personal Consumer Issues
Topic: My Bad Experience With Angie's List
Replies: 36
Views: 4125

Re: My Bad Experience With Angie's List

Angie's List, Yelp, Diamond Certified, BBB --- these are all "pay to play" type of sites. We are small business owners and refuse to play - especially with Yelp as they are particularly nasty. Best bet is word of mouth. Check with your neighbors on Next Door or a local group. I'm sorry you had such ...
by mrsbetsy
Tue Jun 04, 2019 12:07 am
Forum: Personal Consumer Issues
Topic: Blinds for Windows - Where is the best value ?
Replies: 30
Views: 2291

Re: Blinds for Windows - Where is the best value ?

Check out Budget Blinds. They come out to do an in-home free consultation including all measuring and installation. They have a generous warranty on all products. Each business is owner operated so you'll be supporting a small business in your town. Better than using the big box stores. If you need ...
by mrsbetsy
Fri May 17, 2019 11:02 pm
Forum: Personal Consumer Issues
Topic: Gardening/Wedding/Planning
Replies: 5
Views: 536

Gardening/Wedding/Planning

Our daughter's boyfriend just asked us for her hand in marriage!! They are 28 years old and we are super duper happy. She thinks she would like a backyard wedding at our house. Her favorite colors are blue and silver/blue and white. They have not set a date yet. What would you plant NOW that would b...
by mrsbetsy
Thu May 16, 2019 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3851
Views: 709529

Re: What's Your Credit Card Rewards Strategy?

We accumulate a ton of points because we are business owners. We use Chase UR points by using the "Things to do" button on the Chase portal. I know many would argue that it isn't a great redemption value, but we always have more than we can possibly use. There are many options available for Seattle...
by mrsbetsy
Thu May 16, 2019 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Property Tax vs. Income Tax vs. Sales Tax in Retirement
Replies: 27
Views: 2088

Re: Property Tax vs. Income Tax vs. Sales Tax in Retirement

Valid points all the way around. Property Tax: Here in CA, we have Prop 13 which limits the amount property tax can go up each year. It's 2% only. As a result, my property tax here in the Bay Area on a ridiculously expensive home is extremely cheap (about 6K) especially considering other states. If ...
by mrsbetsy
Wed May 15, 2019 11:44 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3851
Views: 709529

Re: What's Your Credit Card Rewards Strategy?

We accumulate a ton of points because we are business owners. We use Chase UR points by using the "Things to do" button on the Chase portal. I know many would argue that it isn't a great redemption value, but we always have more than we can possibly use. There are many options available for Seattle...
by mrsbetsy
Wed May 15, 2019 11:43 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3851
Views: 709529

Re: What's Your Credit Card Rewards Strategy?

We accumulate a ton of points because we are business owners. We use Chase UR points by using the "Things to do" button on the Chase portal. I know many would argue that it isn't a great redemption value, but we always have more than we can possibly use. There are many options available for Seattle...
by mrsbetsy
Tue May 14, 2019 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3851
Views: 709529

Re: What's Your Credit Card Rewards Strategy?

hey all, could use some advice. wife and i have been hoarding our Chase Ultimate Rewards points and as such we have about 550-600,000 between the two of us. issue is, i don't think we have any time for any large trips in the near future and we're worried about point devaluation and such. i'd love t...
by mrsbetsy
Tue May 14, 2019 9:07 pm
Forum: Personal Consumer Issues
Topic: Gardening 2019
Replies: 95
Views: 7675

Re: Gardening 2019

"The sunflower seed experiment has ended with 0 yield. I planted an entire package of brand new mammoth sunflower seeds in every part of my backyard and garden that has a possibility of sun. My plan is to relocate the new seedlings in better locations once I see what comes up." Bummer, but nice try ...
by mrsbetsy
Tue May 14, 2019 12:22 pm
Forum: Personal Consumer Issues
Topic: Gardening 2019
Replies: 95
Views: 7675

Re: Gardening 2019

Mother's Day was a big day for my garden. 35 strawberry plants, 16 pepper plants from mild to hot, and 2 yards of soil. Yeah...pretty easy to please this mom. Also, a cheerful bright yellow watering can. Now if it would just warm up so things can start growing! I also put in some 16 bush beans and 1...
by mrsbetsy
Mon May 06, 2019 11:57 pm
Forum: Personal Consumer Issues
Topic: Where to Buy an Area Rug in a Particular Color
Replies: 7
Views: 720

Re: Where to Buy an Area Rug in a Particular Color

Check with Budget Blinds. They carry area rugs. They'll do a free in-home consultation/demonstration.
by mrsbetsy
Mon Apr 29, 2019 9:27 pm
Forum: Personal Consumer Issues
Topic: out of network emergency visits. Huge bill!!!
Replies: 73
Views: 6209

Re: out of network emergency visits. Huge bill!!!

I am so sad that you are facing this astronomical bill. Our insurance has a maximum out of pocket amount and I'm certain it is less than 9K. If you end up having to pay it, I would at least apply for a credit card with an excellent sign up bonus and get a bunch of points for it! Of course, pay it of...
by mrsbetsy
Mon Apr 29, 2019 4:43 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4537
Views: 1168657

Re: What Movie Have You Recently Watched?

On a 10 hour long plane ride back from Europe, I watched a movie called 55 Steps. It's the history of mental health rights in America staring Hillary Swank and Jeffrey Tambor. It was really well done and I don't know why it didn't get more attention. Made me cry :( A Star is Born with Lady Gaga and ...
by mrsbetsy
Thu Apr 11, 2019 9:41 pm
Forum: Personal Consumer Issues
Topic: Wifi range from Ring doorbell
Replies: 8
Views: 706

Re: Wifi range from Ring doorbell

Thank you! I will look at the Google Wifi at Costco tomorrow. We had Mesh, but it didn't work out so well and we returned it.

If I could get all this to work for $300 and no headache, that would be great.
by mrsbetsy
Thu Apr 11, 2019 5:01 pm
Forum: Personal Consumer Issues
Topic: Wifi range from Ring doorbell
Replies: 8
Views: 706

Wifi range from Ring doorbell

We want to put a Ring doorbell by our garage door, but it's too far away from our router to pick up the signal.

Anyone have a frugal hack to boost it?

We really don't want to go through the expense of hardwiring something.
by mrsbetsy
Thu Apr 11, 2019 4:52 pm
Forum: Personal Consumer Issues
Topic: Are Airport Lounges Worth the Money?
Replies: 95
Views: 8368

Re: Are Airport Lounges Worth the Money?

We have the AMEX Platinum Business. It's a hefty AF at $550, but we get a $200 airline credit and $15 a month for Uber and we use both of those. However, the best perk is getting early access to things like concerts. We just got 4 tickets to see the Eagles in Vegas this September. Reselling the extr...
by mrsbetsy
Thu Apr 11, 2019 4:43 pm
Forum: Personal Consumer Issues
Topic: Gardening 2019
Replies: 95
Views: 7675

Re: Gardening 2019

I spent all last weekend weeding because the rains here made everything get out of control and it rained so much I think our drought is officially over! Zone 9A. I just put 8 tomato seedlings in the raised planter bed. They are a variety of heirloom slicers and cherry tomatoes. If I can keep half of...
by mrsbetsy
Fri Apr 05, 2019 11:26 am
Forum: Personal Consumer Issues
Topic: "The best and worst U.S. states for retirement"
Replies: 275
Views: 26826

Re: "The best and worst U.S. states for retirement"

I think the United States of Well-Being would be a better guide. https://finance.yahoo.com/news/happiest-us-states-205257429.html These are the qualifiers: Career: liking what you do each day and being motivated to achieve your goals Social: having supportive relationships and love in your life Fina...
by mrsbetsy
Thu Apr 04, 2019 12:53 pm
Forum: Personal Consumer Issues
Topic: Folks in their 60s and above. What early investment on health do you recommend.
Replies: 193
Views: 13519

Re: Folks in their 60s and above. What early investment on health do you recommend.

Research the CAC Coronary Artery Calcium Score. It's about $100 and lets you see how much calcification is in your heart. Take a look at the work by Ivor Cummins and watch the Widow Maker movie for free on You Tube. Learn to eat one nutrient dense meal a day. It frees up so much time to do other thi...
by mrsbetsy
Thu Apr 04, 2019 12:52 am
Forum: Personal Consumer Issues
Topic: Help With Travel to Prague - Vienna - Budapest
Replies: 15
Views: 1853

Re: Help With Travel to Prague - Vienna - Budapest

Part 2 -- make sure you catch a concert or more in one of the churches. We particularly loved the ones in the Jewish Ghetto.
by mrsbetsy
Thu Apr 04, 2019 12:50 am
Forum: Personal Consumer Issues
Topic: Help With Travel to Prague - Vienna - Budapest
Replies: 15
Views: 1853

Re: Help With Travel to Prague - Vienna - Budapest

Last year we did Prague and Budapest. Yes, I think 3 days is sufficient for both. While we enjoyed Prague, we loved Budapest. I recommend you get a personal guide for one of the days. Ours was fantastic! He took us into many buildings we would not have thought about going into. Citizens can enter an...
by mrsbetsy
Sat Mar 16, 2019 11:36 pm
Forum: Personal Consumer Issues
Topic: Angies List v. Homeadvisor v. ???
Replies: 23
Views: 1948

Re: Angies List v. Homeadvisor v. ???

Certainly agree that in the world on on-line reviews "fake positives" are more of a problem than fake negatives. And the "I was given a copy of this book to review ..." disclaimer on Amazon are not reassuring. Not true. Competitors give poor reviews to their competition all the time. There are plen...
by mrsbetsy
Thu Mar 14, 2019 2:08 pm
Forum: Personal Consumer Issues
Topic: Angies List v. Homeadvisor v. ???
Replies: 23
Views: 1948

Re: Angies List v. Homeadvisor v. ???

I think it does depend a lot on the area, but a combination of Yelp and BBB has helped me on several occasions. (Yelp is most definitely not the "worst." Obviously have to read the reviews with a critical eye, but I think the reviews for service providers like plumbers/electricians are often more h...
by mrsbetsy
Thu Mar 14, 2019 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Property tax hacks in California
Replies: 59
Views: 6273

Re: Property tax hacks in California

mmmodem wrote:
Thu Mar 14, 2019 12:40 pm
We have a million dollar home in CA and we pay about $6k in property taxes. There is no hack. Thank Prop 13 and ridiculous home prices. We bought it at $400k 8 years ago.
We pay about 7K a year on our 1.4M house in the Bay Area. Thanks to Prop 13.

Eventually it'll catch up for you, too.
by mrsbetsy
Wed Mar 13, 2019 5:34 pm
Forum: Personal Consumer Issues
Topic: Angies List v. Homeadvisor v. ???
Replies: 23
Views: 1948

Re: Angies List v. Homeadvisor v. ???

All of these are "pay to play" types of sites. Yelp is the worst. Best thing to do is ask your neighbors on Next Door or some other local site.
by mrsbetsy
Sat Feb 09, 2019 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Becoming a Franchisee
Replies: 13
Views: 1349

Re: Becoming a Franchisee

We have a franchise. It's a 10 year agreement. There's no way the margins are good enough to run passively. After 5 years, we now have staff, but it still requires managing it. That said, my husband is the happiest he has ever been in the 30 years we've been married. He loves running it and loves th...
by mrsbetsy
Sat Feb 02, 2019 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: Medicaid as Stand Alone Insurance for Adult with Disability
Replies: 2
Views: 338

Re: Medicaid as Stand Alone Insurance for Adult with Disability

I think this is location specific although in our case, it has been absolutely fine. We are in CA and thus have Medi-cal and our son has access to UCSF and their satellite offices. He also gets dental coverage and has a broad range of local dentists. You should be aware that you are not at all allow...
by mrsbetsy
Fri Dec 07, 2018 10:55 pm
Forum: Personal Consumer Issues
Topic: California 8 days road trip LA-SFO
Replies: 40
Views: 2271

Re: California 8 days road trip LA-SFO

Native here so I'd like to add a couple of ideas. It really depends on what you and your children are interested in, but they are a wonderful age to explore the area. #1 Ano Nuevo is fantastic for this age. Tide pooling afterwards is a bonus. #2 Check out the Lands End hike. Free parking right above...
by mrsbetsy
Wed Nov 21, 2018 2:06 pm
Forum: Personal Consumer Issues
Topic: Black Friday 2018
Replies: 123
Views: 15778

Re: Black Friday 2018

Costco has a Moto G6 Unlocked phone for $189.99. I'm not particular about phones, but it is time to upgrade. It's the only thing I'll likely buy this time around.

Mrs. Betsy
by mrsbetsy
Sat Nov 17, 2018 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Employment for a disabled son
Replies: 29
Views: 2431

Re: Employment for a disabled son

stoptothink,

You are clearly an accomplished and highly functional person. My son could never compose such a message as you've written.

Thank you for the insight and we will definitely make sure he has a big say in his next steps.

Mrs.Betsy
by mrsbetsy
Sat Nov 17, 2018 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Employment for a disabled son
Replies: 29
Views: 2431

Re: Employment for a disabled son

[/quote] I have a relative with this issue and what the parents did was start a microbusiness where they did the people facing roles and then the son had a manufacturing role. I don't want say exactly what it is but the trick is to work with a hobby that one (or preferably both) of the parents is in...
by mrsbetsy
Sat Nov 17, 2018 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Employment for a disabled son
Replies: 29
Views: 2431

Re: Employment for a disabled son

In a similar situation with a 17 yr old autistic son and two older unaffected siblings who are high achievers. One of the challenges of employment for these kids on disability is their earnings will count against their SSI and Medi-Cal eligibility to some degree. The earnings have to be quite minim...
by mrsbetsy
Fri Nov 16, 2018 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Employment for a disabled son
Replies: 29
Views: 2431

Re: Employment for a disabled son

His IQ is <70 so he is limited in his capabilities. He could do something like plant seedlings and with help sell them. But, he cannot count money or make change. Insurance is a good consideration because he has epilepsy too and takes 2 expensive medicines for seizures that are covered under MediCAL...
by mrsbetsy
Fri Nov 16, 2018 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Employment for a disabled son
Replies: 29
Views: 2431

Employment for a disabled son

We have a 21 year old disabled son with autism. I keep thinking there just has to be something he can do. I'm wondering about how to start a little microbusiness with him. He still lives at home. He is conserved. He is verbal, gentle, and kind, but just presents as "odd". Currently, he gets $910 a m...
by mrsbetsy
Fri Nov 09, 2018 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: How much money are you leaving your kids after you die?
Replies: 234
Views: 15510

Re: How much money are you leaving your kids after you die?

Two kids: One with special needs and is set up with a special needs trust and ABLE account which will (hopefully) last him his lifetime. One kid who is cheaper than cheap - frugal beyond frugal and saves most of every dime she makes. Neither will have kids so it's the end of the generational line. O...
by mrsbetsy
Fri Nov 02, 2018 12:15 am
Forum: Personal Consumer Issues
Topic: Where to stay to visit Yosemite
Replies: 12
Views: 1314

Re: Where to stay to visit Yosemite

Check out Pinecrest in Groveland. It's about 30 minutes to the gate from there. It is usually right below the snow line, but you won't be far from some fun. Your price per night is a bit unreasonably low. It is not guaranteed that you will have snow. We are going to the Bracebridge dinner, the weeke...
by mrsbetsy
Wed Oct 31, 2018 9:16 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1302
Views: 131919

Re: [What TV Show Have You Recently Watched?]

Just started the Netflix show Foods That Cure Diseases.

WOW....no wonder people are so confused about what is healthy to eat and what should be avoided.

Worth the watch.
by mrsbetsy
Wed Oct 31, 2018 9:10 pm
Forum: Personal Consumer Issues
Topic: Thanksgiving vacation suggestions
Replies: 9
Views: 1305

Re: Thanksgiving vacation suggestions

I live in the Bay Area as well.

Where you go depends on what you want to do...kids or no kids? Hiking? Adventure? Sight seeing? Where haven't you been?

Be more specific and it'll be easier to answer.
by mrsbetsy
Sun Oct 28, 2018 10:42 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1302
Views: 131919

Re: [What TV Show Have You Recently Watched?]

Tonights episode of Poldark was epic!

It's another indication that history does indeed repeat itself if we don't pay attention.

PBS Masterpiece Theater is worth it!
by mrsbetsy
Sun Oct 28, 2018 12:07 am
Forum: Personal Consumer Issues
Topic: What is a reasonable housecleaning cost?
Replies: 27
Views: 2581

Re: What is a reasonable housecleaning cost?

California Bay Area here. I've paid $110 per cleaning and we have them in every other week. They've cleaned for me about 12 years and I am really grateful to find such a consistent and careful crew. There are 3 of them and they are out in about 2 hours. The ROI is a no brainer. As small business own...
by mrsbetsy
Sat Oct 27, 2018 11:39 am
Forum: Personal Consumer Issues
Topic: Unplugging from Tech Tips
Replies: 38
Views: 3133

Re: Unplugging from Tech Tips

It helped that I found a new hobby in gardening. I am one that can spend hours on the computer going down all sorts of rabbit holes and learning about many things. However, I recently listened to a Seth Godin podcast about active learning and passive learning. I can research and learn by joining a t...
by mrsbetsy
Mon Oct 22, 2018 6:26 pm
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 248
Views: 26578

Re: PSA: Don't buy a big house

Yep! Those Lutron automatic window coverings we sell on those beautiful HIGH windows? Perfect for some repeat business going to change out the batteries. Homeowners just don't wanna get on a ladder that high, but our young strappin' installers are keen on it. :moneybag :moneybag :moneybag :moneybag ...
by mrsbetsy
Sat Oct 20, 2018 4:27 pm
Forum: Personal Consumer Issues
Topic: Pull kids from school for vacations?
Replies: 136
Views: 6446

Re: Pull kids from school for vacations?

Government schools do not own your child and you are in charge of them. Period. If you want to take your kids out to create some family memories, then it is your right to do so without second guessing your decision or feeling any guilt. Colleges don't give a rip about what your kids grades were in e...
by mrsbetsy
Fri Oct 19, 2018 10:52 pm
Forum: Personal Consumer Issues
Topic: Guidelines About Deposits on a Contractor Job?
Replies: 12
Views: 946

Re: Guidelines About Deposits on a Contractor Job?

A tale from the other side.... It depends. We are contractors, but customers are purchasing a product. We require payment in full before ordering. We will negotiate that the Installation fee could be paid at the time of installation, but that's it. We've been in business for 14 years and have a impe...
by mrsbetsy
Fri Oct 19, 2018 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: special needs family member approved for Medicaid coverage, need advice
Replies: 11
Views: 723

Re: special needs family member approved for Medicaid coverage, need advice

Our son was first eligible for SSI which makes MediCAL (California)/Medicaid automatic. In my state, primary insurance is first and MediCAL is second. However, it sounds like primary insurance is not available to your son so Medicaid would indeed be primary. (We experienced the same thing when we le...
by mrsbetsy
Fri Oct 12, 2018 8:00 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1302
Views: 131919

Re: [What TV Show Have You Recently Watched?]

I am so stoked that Season 4 of Poldark has finally arrived to America. The only downside is that I have to wait a week between episodes.

But I am a sucker for British historical fiction.

Masterpiece Theater airs quality shows.