Search found 30 matches

by GUtiger
Fri Nov 29, 2019 11:50 pm
Forum: Personal Consumer Issues
Topic: Camera Question
Replies: 69
Views: 2786

Re: Camera Question

The only way to know if this is a reasonable camera for her is to know what the purpose of the camera is. Does she plan to take a few snapshots during travel? Is she starting to get into photography? Does she plan to shoot video? The major question to answer is whether she can accomplish her goals u...
by GUtiger
Thu Nov 07, 2019 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: Transferring Daughter's Funds to Her Efficiently
Replies: 16
Views: 1537

Re: Transferring Daughter's Funds to Her Efficiently

OP checking back. Very good information from Peter Foley from Wobegon. He is truly over average. I looked into the kiddie tax, and it looked like it was crafted to prevent the transaction that I was considering. I was previously planning to gift the shares (not really a gift, as it is her money) so...
by GUtiger
Sun Sep 29, 2019 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Selling my house to my sister
Replies: 12
Views: 1393

Re: Selling my house to my sister

Just a question, how come she recoups the whole 6% savings? Is she doing all the legwork on the sale? Shouldn't you reduce the sale by 3% and keep the other 3% in the sale for yourself?

Of course, you may just be a very nice sibling.
by GUtiger
Fri Sep 20, 2019 4:20 pm
Forum: Personal Consumer Issues
Topic: **UPDATE** Credit card dispute - what are best practices?
Replies: 34
Views: 2695

Re: Credit card dispute - what are best practices?

Not to get too crazy with this, but do THEY have any documentation of the initial subscription? Why not argue the whole subscription was an improper charge? Obviously an uphill battle since you didn't immediately dispute it initially, but if neither party can show an agreement existed there's no rea...
by GUtiger
Thu Sep 12, 2019 10:38 pm
Forum: Personal Consumer Issues
Topic: Chase Sapphire Reserve - a lot of travel in East Africa
Replies: 8
Views: 1289

Re: Chase Sapphire Reserve - a lot of travel in East Africa

I think there are other great reasons to use that card. Statistically, you're more likely to die in a car in those countries than on a plane, so you probably won't get to use that benefit (hopefully!). You will, however, get into the airport lounges (which makes a big difference in some of the regio...
by GUtiger
Sun Aug 25, 2019 12:02 am
Forum: Personal Consumer Issues
Topic: The cost to talk to a doctor
Replies: 151
Views: 10031

Re: The cost to talk to a doctor

My doctor doesn’t charge anything to communicate using email/patient portal. Obviously you don’t want to be the little boy crying wolf and emailing them every week, but when I’ve been genuinely sick I’ve always talked to them through the portal and they never charged me anything. IMO I’d try to fin...
by GUtiger
Mon Aug 19, 2019 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Biz Owners: Your Health Insurance Contributions?
Replies: 8
Views: 433

Re: Biz Owners: Your Health Insurance Contributions?

We do a flat dollar amount maximum of about $500 per employee. If the plan the individual selects exceeds that monthly cost the difference is made up by the employee.
by GUtiger
Thu Aug 08, 2019 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: Real Estate Negotiation Came to a Halt
Replies: 67
Views: 5651

Re: Real Estate Negotiation Came to a Halt

Another option is to come up on the offer to $9xx, whatever you think may get them to bite, and then ask for a major price reduction after inspections. They can say no and you can walk away, or they may feel they're far enough in the process that they just want to get it done. You can decide whether...
by GUtiger
Sat Jan 19, 2019 11:17 am
Forum: Personal Consumer Issues
Topic: Used electric car - a good deal?
Replies: 28
Views: 1822

Re: Used electric car - a good deal?

Can't give you a review quite yet, but I plan on purchasing a used 2016 BMW i3 in the coming months. It's hard to pass up to reasonable electric range, amenities, 0-30 mph pick-up, and very attractive pricing compared to new. I've already done to test drives, just waiting for rebuild the war chest a...
by GUtiger
Thu Jan 17, 2019 8:26 pm
Forum: Personal Consumer Issues
Topic: Audio book options
Replies: 28
Views: 1351

Re: Audio book options

By far the library is the best option. You already pay for it, so you should use it! My wife and I go through at least 100 audiobooks per year. If we were purchasing those it would be terribly expensive. The only downside is having to wait for popular books to become available, but in general I have...
by GUtiger
Mon Dec 17, 2018 3:18 pm
Forum: Personal Consumer Issues
Topic: Favorite Purchase of 2018?
Replies: 255
Views: 22064

Re: Favorite Purchase of 2018?

Favorite thing I DIDN'T buy: Bitcoin!
by GUtiger
Mon Sep 17, 2018 11:04 pm
Forum: Personal Consumer Issues
Topic: Is this a potentially dangerous electrical issue that needs to be addressed?
Replies: 19
Views: 2310

Re: Is this a potentially dangerous electrical issue that needs to be addressed?

Agree with link above as likely solution. This is an easy fix so long as you have minor experience and comfort with electricity. If not hire a handyman to swap out the outlet.
by GUtiger
Sat Aug 18, 2018 9:56 am
Forum: Personal Consumer Issues
Topic: Soap for hand washing dishes
Replies: 40
Views: 2529

Re: Soap for hand washing dishes

This is definitely in the category of first world problems, but maybe you can help to resolve a domestic issue. For years, my wife had been using a plain, unscented bar of soap to do our dishes. I did not think that such a hand/body soap was appropriate for dish washing, because it wasn't designed ...
by GUtiger
Fri Aug 17, 2018 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Non-owner contributing to home renovations: what's fair?
Replies: 39
Views: 2660

Re: Non-owner contributing to home renovations: what's fair?

My partner and I separately own our own homes and split time between them. We are in a fulfilling and committed relationship, and have no plans to get married. We do not commingle our finances and have no plans to. We are both perfectly happy with this arrangement. We're thinking about doing some r...
by GUtiger
Wed Aug 15, 2018 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: Terminating an employee with company car
Replies: 62
Views: 6784

Re: Terminating an employee with company car

Definitely thought I was about to read a story about you running over an employee with a company car. Glad no one was hurt, but this is less interesting.

Apply $500 of credits to the employee's Uber account.
by GUtiger
Wed Nov 29, 2017 10:21 pm
Forum: Personal Consumer Issues
Topic: Any websites to help find a great doctor?
Replies: 36
Views: 4444

Re: Any websites to help find a great doctor?

Generally the first thing I would look at is whether the problem is a general urology issue or a more specialized issue. For example, BPH is general, a complex renal mass in a person with only 1 kidney would be more specialized. If you think your issue is general then likely any urologist would prob...
by GUtiger
Fri Nov 24, 2017 10:13 pm
Forum: Personal Consumer Issues
Topic: Etiquette question: Paying for meals out & out of town guests
Replies: 79
Views: 10892

Re: Etiquette question: Paying for meals out & out of town guests

I always expect to pay for guests whenever they're in town; and I always pick the restaurant. On the occasions when they then offer to pay it's a welcome surprise. Conversely, when I'm a guest at someone else's house I also always expect to pay when going out to eat. Both ways I'm mentally and finan...
by GUtiger
Sun Oct 22, 2017 4:16 pm
Forum: Personal Consumer Issues
Topic: Best bathroom fan choice?
Replies: 16
Views: 1405

Re: Best bathroom fan choice?

I went over tons of exhaust fan reviews when remodeling 4 bathrooms and bought the most powerful and "quietest" fans I could get. This is one place where scrimping was not worth it. The lights in all the fan units I looked at were inadequate so I ended up wiring new light fixtures in. That was well...
by GUtiger
Sat Oct 14, 2017 12:00 am
Forum: Personal Consumer Issues
Topic: How does the medical billing system work?
Replies: 34
Views: 3300

Re: How does the medical billing system work?

I will add to this how the "MSRP" is determined as I understand it others might chime in to clarify... The hospital / DR does usually not know what various insurance will actually pay for a given procedure. So the billing office submits their fee and the insurance company pays a lower amount. Every...
by GUtiger
Sat Sep 30, 2017 11:45 am
Forum: Personal Consumer Issues
Topic: What will happen if I refuse to pay a medical bill?
Replies: 125
Views: 12112

Re: What will happen if I refuse to pay a medical bill?

I ran into pretty much exactly the same problem many years ago to the tune of about $600. I too refused to pay for the principle of it. If every single person who ran into this situation refused to pay, the medical billing industry would learn their lesson pretty quickly. Just a note here, you aren...
by GUtiger
Sat Sep 30, 2017 12:50 am
Forum: Personal Consumer Issues
Topic: What will happen if I refuse to pay a medical bill?
Replies: 125
Views: 12112

Re: What will happen if I refuse to pay a medical bill?

I ran into pretty much exactly the same problem many years ago to the tune of about $600. I too refused to pay for the principle of it. If every single person who ran into this situation refused to pay, the medical billing industry would learn their lesson pretty quickly. Just a note here, you aren...
by GUtiger
Sat Sep 30, 2017 12:46 am
Forum: Personal Consumer Issues
Topic: What will happen if I refuse to pay a medical bill?
Replies: 125
Views: 12112

Re: What will happen if I refuse to pay a medical bill?

The important recurring thread in this post is that YOU, the consumer, need to speak to YOUR insurance company prior to accepting any services. After all, the insurance contract you are party to is between you and your insurance company, not between you and the physician's office. The physician's of...
by GUtiger
Thu Jul 27, 2017 2:52 pm
Forum: Personal Consumer Issues
Topic: Use Guest wifi for thermostat, Roku, etc.
Replies: 28
Views: 4804

Re: Use Guest wifi for thermostat, Roku, etc.

Perhaps a little more technical than most want to get, but depending on your equipment and background even better1 than using the guest network would be to create separate VLANs that have specific rulesets allowing certain kinds of traffic in and out. You could then have a network for your hardware ...
by GUtiger
Tue Jul 25, 2017 11:44 pm
Forum: Personal Finance (Not Investing)
Topic: Late start for college savings
Replies: 16
Views: 2066

Re: Late start for college savings

But, don't adopt until after she finishes college. This is actually something we have thought to seriously consider. There seems to be a lot of potential financial upside and not much downside, so long as both sides are on board emotionally with the arrangement. It is my understanding that if a stu...
by GUtiger
Tue Jul 25, 2017 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Late start for college savings
Replies: 16
Views: 2066

Re: Late start for college savings

Thanks everyone for thoughtful insights and directions. We'd love to do a 2 year CC then 2-3 year university track, but if an admission from Yale came along I think it would be hard to tell her no. But I guess that's where she could also make a decision on what kind of debt to assume herself. 1) Is ...
by GUtiger
Tue Jul 25, 2017 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Late start for college savings
Replies: 16
Views: 2066

Late start for college savings

My wife and I are in the process of becoming foster parents for a teenager, with a likely plan to then adopt. Obviously we will be getting a rather late start on a college fund. We will exhaust all available government resources for the child, but it appears likely that she will probably become inel...
by GUtiger
Sun Jul 09, 2017 1:50 pm
Forum: Personal Consumer Issues
Topic: any way to eat healthier at Subway (or any other quick lunch ideas)
Replies: 102
Views: 7593

Re: any way to eat healthier at Subway (or any other quick lunch ideas)

Not only will bringing your own food be healthier, it will also be way cheaper! Much more Bogleheaded.

If you are truly looking at being more health conscious check out Forks Over Knives website for information on a plant-based diet. Meat, dairy, eggs are killing Americans.
by GUtiger
Sat Jul 01, 2017 10:30 am
Forum: Personal Consumer Issues
Topic: Amazon Echo vs. Google Home: which to get?
Replies: 41
Views: 4612

Re: Amazon Echo vs. Google Home: which to get?

By the way, for any concerns about both phone and Google Home recognizing the "OK Google" command, the phone will always defer to the Home devices. It will state something to the effect of "This query is being answered on another device" or some such thing.
by GUtiger
Thu Jun 29, 2017 11:00 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank - deposit limit exceeded by home closing check
Replies: 24
Views: 8604

Re: Ally Bank - deposit limit exceeded by home closing check

I do all of my normal banking at local brick and mortar. We're trying to move more and more away from the "evil" big banks to credit unions, but that's still a work in process. I use our internet-only accounts for electronic banking, which is basically transferring money between accounts. Easy to co...
by GUtiger
Thu Jun 29, 2017 10:57 pm
Forum: Personal Consumer Issues
Topic: Amazon Echo vs. Google Home: which to get?
Replies: 41
Views: 4612

Re: Amazon Echo vs. Google Home: which to get?

We have two Google Homes in the house. They are integrated with a couple of Chromecasts and our SmartThings hub, which in turn is integrated with several light switches. It works well for voice commands such as "Play Norah Jones on the pool speakers." As Google Assistant becomes more integrated into...