Search found 434 matches

by andypanda
Sat May 23, 2020 6:55 am
Forum: Personal Consumer Issues
Topic: Amazon Prime delayed shipping
Replies: 39
Views: 2721

Re: Amazon Prime delayed shipping

We order a lot of stuff and get good service, but we're 10 or 15 miles from a number of their facilities. From what the drivers having been telling me it's at least as busy as the two weeks before Christmas, but after a couple of months of this marathon they're getting worn down. Heck, how do they e...
by andypanda
Wed May 13, 2020 11:21 am
Forum: Personal Consumer Issues
Topic: WFW (Work from Wherever)
Replies: 70
Views: 6304

Re: WFW (Work from Wherever)

"Time spent working in another country (even for a US employer) may eventually subject you to personal income tax reporting requirements " Working in another state, too. My brother in law died in January and my wife is the executor. Being a nice guy and kn owing he was a Virginia resident all of 201...
by andypanda
Sun May 10, 2020 8:34 am
Forum: Personal Consumer Issues
Topic: Where should I go for extended warranty on my Toyota?
Replies: 35
Views: 1843

Re: Where should I go for extended warranty on my Toyota?

I bought Toyota Platinum no deductible 6 yr/75k mile warranties in late 2016 when we purchased new '16 vehicles. We're retired and probably won't keep the vehicles 6 years and the warranties are transferable for $50 iirc. The one for my 4Runner Trail Premium with KDSS was $550 and the one for my wif...
by andypanda
Sat May 09, 2020 8:49 am
Forum: Personal Consumer Issues
Topic: Amazon Prime Membership Question
Replies: 84
Views: 6242

Re: Amazon Prime Membership Question

I started an Amazon Fresh cart yesterday and just added a few things to it. I know we live in a sweet spot SE of Richmond VA, but if I click the buy button right this minute here are choices for today... 2-hour delivery windows 1:00 PM - 3:00 PM FREE 3:00 PM - 5:00 PM FREE 5:00 PM - 7:00 PM FREE 7:0...
by andypanda
Wed Apr 29, 2020 7:28 am
Forum: Personal Consumer Issues
Topic: Should I accept a "free" vehicle from family member?
Replies: 22
Views: 2409

Re: Should I accept a "free" vehicle from family member?

What color is the truck? :happy

Who made it? :mrgreen:
by andypanda
Fri Apr 24, 2020 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Car Dealers not really wanting to make a deal
Replies: 226
Views: 31077

Re: Car Dealers not really wanting to make a deal

"I suggest Lysol-ing down any rental car. Including the seat fabric." A large Toyota dealer here - Richmond VA - is advertising that they will bring the test drive to you and let you watch them disinfect the keys and the car. You can drive it around and take it back to the dealership or they will re...
by andypanda
Thu Apr 23, 2020 12:00 pm
Forum: Personal Consumer Issues
Topic: Replacement for 4Runner
Replies: 70
Views: 4149

Re: Replacement for 4Runner

Okay, you win, a little bit of silver on a bumper makes it look like a skid plate. :oops: Reminds me of the old joke... How many legs does a dog have if you call his tail a leg? Answer: 4. "You are correct that all 4Runners come with skid plates, but they are not visible (except the TRD model)" They...
by andypanda
Thu Apr 23, 2020 10:36 am
Forum: Personal Consumer Issues
Topic: Replacement for 4Runner
Replies: 70
Views: 4149

Re: Replacement for 4Runner

The trim pieces on the bumpers don't simulate skid plates. ALL 4Runners come with skid plates. Who in the world ever confused a bumper on the end of a vehicle for a skid plate underneath? From the toyota site on 2020 4Runners... "Skid plates — on engine/front suspension, fuel tank and transfer case ...
by andypanda
Thu Apr 23, 2020 9:55 am
Forum: Personal Consumer Issues
Topic: Replacement for 4Runner
Replies: 70
Views: 4149

Re: Replacement for 4Runner

"I'm talking about the silver painted front & rear lower fascias, meant to simulate metal skid plates." Nonsense, those are just trim. The real skid plates are underneath - engine, transmission, gas tank, etc. I have a 2016 Trail Premium with KDSS. Now that model is called the Off Road Premium. The ...
by andypanda
Tue Apr 21, 2020 8:15 am
Forum: Personal Consumer Issues
Topic: How to get Liquid Hand Soap? seriously.
Replies: 76
Views: 4245

Re: How to get Liquid Hand Soap? seriously.

Well heck, I guess we got lucky. I looked for a Softsoap refill on 4/19 and found a 2-pack of 50-oz bottles online at Walmart for $7.94 with free shipping if I ordered $35 - I had that in the cart already. It's on the truck today.

I just checked. It's sold out now.
by andypanda
Wed Apr 15, 2020 7:04 pm
Forum: Personal Consumer Issues
Topic: Moving Furniture Yourself
Replies: 40
Views: 2930

Re: Moving Furniture Yourself

A $50 hand truck and a couple of ratchet straps from Harbor Freight will move a lot of things. I recently moved an electric range out the back door, down a half a flight of steps, along the sidewalk, and down the 50' alley to the street to get rid of it. I was selling the house. The same day I moved...
by andypanda
Tue Apr 14, 2020 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Quarterly Taxes
Replies: 43
Views: 2504

Re: Quarterly Taxes

"I paid them last week." I mailed mine Sunday. With the paperwork finally in hand, I gave it to my preparer a couple of weeks ago and she determined what we owed and how much we needed to pay to reach safe harbor again. I sent in the fed's $2100 for 2019 and the state's $2600. I also sent in the ent...
by andypanda
Mon Apr 06, 2020 5:08 pm
Forum: Personal Investments
Topic: Marcus or Ally
Replies: 137
Views: 14349

Re: Marcus or Ally

"I don't know if it's pure incompetence or just delaying tactics of some sort. " - me, in an earlier post My wife spent 2 hours on the phone today, counting waiting times, transfers, etc. It turns out that the last two customer service reps she spoke to were totally wrong and no additional info is r...
by andypanda
Fri Apr 03, 2020 7:09 am
Forum: Personal Consumer Issues
Topic: Trane or Carrier heat pump?
Replies: 5
Views: 679

Re: Trane or Carrier heat pump?

"And now someone has to put them together and they get to decide what options you will get."

And they have to put it all together in your driveway, basement, crawlspace or attic.
by andypanda
Wed Apr 01, 2020 6:43 am
Forum: Personal Investments
Topic: Marcus or Ally
Replies: 137
Views: 14349

Re: Marcus or Ally

After what Ally is putting my wife through I will never use them. :) And I know she won't and maybe you would want to think twice about it. Her brother died 1/20. His will listed her for the executor so she opened probate. But his files listed a large Ally CD as having beneficiaries. After many phon...
by andypanda
Sun Mar 29, 2020 5:32 am
Forum: Personal Consumer Issues
Topic: Chewy pet food delivery
Replies: 26
Views: 1961

Re: Chewy pet food delivery

I ordered Tuesday and they shipped the entire order this morning/last night. It's 6:30 Sunday morning here, so they are working hard.
The order was mostly Primal freeze dried food and Wellness snacks, etc. He's only 22# and doesn't eat too much.
by andypanda
Tue Mar 24, 2020 3:50 pm
Forum: Personal Consumer Issues
Topic: Chewy pet food delivery
Replies: 26
Views: 1961

Re: Chewy pet food delivery

7 to 10 days. I ordered the usual month or so worth of dog food and stuff today, well before we are going to run out. We've been using them for years and get delivery in a day or two. The site says, "A message about current events: Dear Pet Parents, Chewy is always here for you. Due to high demand, ...
by andypanda
Mon Mar 23, 2020 4:45 pm
Forum: Personal Consumer Issues
Topic: New Amazon order & delivery processes?
Replies: 30
Views: 3141

Re: New Amazon order & delivery processes?

We typically get regular non-Prime Amazon free shipping delivered in one or two days. Once an order came the same day. We seem to be in a sweet spot 10 to 15 miles from two fullfillment centers, and even closer to other Amazon facilities that handle sorting or fresh goods or something. We're near th...
by andypanda
Thu Mar 19, 2020 5:31 pm
Forum: Personal Consumer Issues
Topic: How much cash to have during coronavirus panic?
Replies: 144
Views: 10780

Re: How much cash to have during coronavirus panic?

"These things are all generally more difficult to pay for in cash (in my experience)"

I have never been turned down when I offered cash. I don't always get a discount for cash, but I frequently do.
by andypanda
Thu Mar 19, 2020 1:37 pm
Forum: Personal Consumer Issues
Topic: How much cash to have during coronavirus panic?
Replies: 144
Views: 10780

Re: How much cash to have during coronavirus panic?

"we generally have a $20 bill each in our wallet" When I left for my first year of college my father gave me a $20 to put in my billfold for emergencies. That was in 1968. $20 won't even buy much of a cab ride these days, much less a tow truck ride home or a tank of gas. I was a Boy Scout. You know ...
by andypanda
Tue Mar 17, 2020 5:34 am
Forum: Personal Consumer Issues
Topic: Are you in the mood to buy anything?
Replies: 62
Views: 5006

Re: Are you in the mood to buy anything?

Heck yes, just as soon as I close on the sale of my former residence in a week or so. It's a cash deal and we're waiting on the title company. I got married 15 months ago and we are living in her house. Somehow shopping for a bigger boat or a nice vacation spot just doesn't seem like it would be muc...
by andypanda
Tue Mar 17, 2020 5:09 am
Forum: Personal Investments
Topic: The Black Swan is Here
Replies: 153
Views: 16804

Re: The Black Swan is Here

Is it a Black Swan if it's happened before? Was the 1918 flu epidemic a Black Swan? The 1918 flu epidemic killed 50 million people worldwide. These things do happen, although you can't say when they'll happen. www.archives.gov/exhibits/influenza-epidemic I remember my grandfather talking about how s...
by andypanda
Tue Mar 17, 2020 4:59 am
Forum: Personal Investments
Topic: How much you lost/gain since Feb 20,2020 ?
Replies: 320
Views: 25676

Re: How much you lost/gain since Feb 20,2020 ?

My taxable account balance was down $667k after yesterday. (70/30 or so) Fwiw, I remember my grandfather talking about how sick he was in 1918 and how many people died. He was building barracks in Norfolk and had to ride the train back to the Shennandoah Valley. I think the number of deaths in Virgi...
by andypanda
Tue Mar 10, 2020 4:34 pm
Forum: Personal Consumer Issues
Topic: Selecting a coin dealer?
Replies: 11
Views: 992

Re: Selecting a coin dealer?

Thanks, I hadn't considered the larger boxes. I'm not going to bother trying to sell individual circulated coins, the partially filled blue books, or all of the bags of wheat cents. Then there are the multiple 21st century proof sets. I wish she could divide the mess into three piles and hand them o...
by andypanda
Tue Mar 10, 2020 4:21 pm
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 326
Views: 50432

Re: Anyone disenchanted with retirement?

I've been retired since 2012.

I've never met anyone who is disenchanted with retirement. I suppose I don't hang with the right crowd. :sharebeer
by andypanda
Tue Mar 10, 2020 7:11 am
Forum: Personal Consumer Issues
Topic: Selecting a coin dealer?
Replies: 11
Views: 992

Re: Selecting a coin dealer?

"1 silver dime has $1.22 worth of silver content. That makes it easy to compare offers. In my experience most dealers will pay less than the silver content." Fwiw, I'm helping my wife settle her brother's estate and recently called two local stores that buy silver coins. They are both paying $10 for...
by andypanda
Tue Mar 03, 2020 1:15 pm
Forum: Personal Consumer Issues
Topic: 90-yr old mom with dementia
Replies: 5
Views: 913

Re: 90-yr old mom with dementia

Having been through 15 years of the progression from failing memory to death with my mother, I suggest starting with the info on the Alzheimer's Association site. There are many different types of dementia, but a lot of folks call them all Alzheimer's. www.alz.org/?_ga=2.167829666.204743269.15832588...
by andypanda
Mon Mar 02, 2020 6:20 pm
Forum: Investing - Theory, News & General
Topic: Okay, now when you do buy back in?
Replies: 230
Views: 21563

Re: Okay, now when you do buy back in?

"I did nothing"

I renewed my boat registration for another 3 years.
All of my dividends and interest are automatically reinvested.
by andypanda
Sat Feb 29, 2020 8:08 am
Forum: Personal Consumer Issues
Topic: Boiler cracked - heating alternatives?
Replies: 22
Views: 1088

Re: Boiler cracked - heating alternatives?

"I don’t think the people responding to this thread understand the pipeline capacity problem that makes natural gas wildly expensive in Massachusetts." It's a topic that makes for interesting reading. Ignoring for the moment the energy politics of each New England state, I'll just mention that New Y...
by andypanda
Fri Feb 28, 2020 5:03 pm
Forum: Personal Consumer Issues
Topic: Should I get a safe? What kind? What would you do? How safe is a "safe"?
Replies: 91
Views: 6210

Re: Should I get a safe? What kind? What would you do? How safe is a "safe"?

"i was not referring to the UL rating."

The UL rating is what makes a safe a safe. Or an RSC.
by andypanda
Fri Feb 28, 2020 3:37 pm
Forum: Personal Consumer Issues
Topic: Should I get a safe? What kind? What would you do? How safe is a "safe"?
Replies: 91
Views: 6210

Re: Should I get a safe? What kind? What would you do? How safe is a "safe"?

"1. Ft Knox Safes. they are true 'safes' not 'security containers' (as most are). high ratings for fire, etc. https://www.ftknox.com https://www.ftknox.com/vault-builder-2/ Guardian and Titan are the higher end." ______________ They are RSC rated security containers. Here's a $7599 Titan. www.deansa...
by andypanda
Fri Feb 28, 2020 7:02 am
Forum: Personal Consumer Issues
Topic: Do you ever use cash?
Replies: 228
Views: 13448

Re: Do you ever use cash?

I unexpectedly needed $260 cash yesterday. I hired a local outfit to move a small load of furniture from my house in town (that I'm selling on short notice to my former neighbors) to my wife's house in the country where I'm now living. I pulled out a credit card, but the driver couldn't get a signal...
by andypanda
Fri Feb 28, 2020 6:49 am
Forum: Personal Consumer Issues
Topic: Fix this car or cut losses?
Replies: 13
Views: 1043

Re: Fix this car or cut losses?

Is it the convertible with the V6?

I'd probably still dump it. Maybe. But I'd keep my 4Runner.
by andypanda
Fri Feb 28, 2020 6:39 am
Forum: Personal Consumer Issues
Topic: iPhone 6s - upgrade to 11 or 12?
Replies: 41
Views: 2918

Re: iPhone 6s - upgrade to 11 or 12?

Isn't the OnePlus 8 series due out in the next few months? I've read some online rumors that they will be reasonably water resistant. Meanwhile, I'm still enjoying my iPhone 11 and don't miss my 6s at all. The battery life is great, the camera is great and the facial recognition always works which i...
by andypanda
Wed Feb 26, 2020 5:46 pm
Forum: Personal Consumer Issues
Topic: Should I get a safe? What kind? What would you do? How safe is a "safe"?
Replies: 91
Views: 6210

Re: Should I get a safe? What kind? What would you do? How safe is a "safe"?

I've had a Liberty Lincoln model gun "safe" for 20 years. It keeps the grandkids, friends and honest people away from the contents. Two or three grand buys you a Residential Security Container large enough to hold a number of rifles and shotguns, not a safe. Google RSC. Consider keeping a large unop...
by andypanda
Mon Feb 24, 2020 4:46 pm
Forum: Personal Consumer Issues
Topic: Do you ever use cash?
Replies: 228
Views: 13448

Re: Do you ever use cash?

I use cash at least half the time. Once a week or so I'll pull $600 in 20s from the ATM. I always have another $350 or $400 tucked away for yard sales, poker games or for the quick cash sale when a buddy is having a fire sale on fishing equipment, hobby stuff, etc. If I'm buying $200 worth of wine a...
by andypanda
Fri Feb 21, 2020 6:33 am
Forum: Personal Consumer Issues
Topic: Perform own oil change pros & cons?
Replies: 224
Views: 11120

Re: Perform own oil change pros & cons?

I let the dealer do the oil changes. Our 2016 Avalon and 4Runner came with 4 years of free oil changes (once a year with synthetic) and state inspections. And tire rotations and they'll do a free alignment check if I ask. Come to think of it, the 30,000 mile service was free on both of them. They ar...
by andypanda
Fri Feb 14, 2020 9:00 am
Forum: Personal Consumer Issues
Topic: Protection Against Home Intruders
Replies: 387
Views: 27265

Re: Protection Against Home Intruders

"In my area, most break ins occur mid morning. The thought being the homes are empty when people are at work/school."

More than likely it's because the junkie has been up partying all night, or almost all night, and needs a fix.
by andypanda
Fri Feb 14, 2020 7:37 am
Forum: Personal Consumer Issues
Topic: Car making noise at idle
Replies: 25
Views: 1503

Re: Car making noise at idle

How many heat shields does your vehicle have? Engine, manifold, exhaust? Are there top and bottom heat shields in various places? One to keep the exhaust away from the gas tank? Sounds can travel in funny ways.
by andypanda
Fri Feb 14, 2020 7:21 am
Forum: Personal Consumer Issues
Topic: Iphone cords / cables
Replies: 51
Views: 4026

Re: Iphone cords / cables

And I thought my wife was abusive to all forms of electrical cords. She will twist them into knots and will frequently carry the iPhone cord buried in her handbag under her day planner and keys and all of the usual stuff. I have a new iPhone 11 and the cord from my iPhone 6s still works. My wife has...
by andypanda
Fri Feb 07, 2020 6:15 pm
Forum: Personal Consumer Issues
Topic: Would you drive without a spare tire?
Replies: 193
Views: 11287

Re: Would you drive without a spare tire?

"If you have a flat and call for help, the tow-truck driver who shows will know how to make use of the spare, saving you substantial time, money, and hassle." I can put a spare on in the time it takes you to call for help and tell them where you are and give them your member number, etc. The secret ...
by andypanda
Wed Feb 05, 2020 2:23 pm
Forum: Personal Consumer Issues
Topic: Would you drive without a spare tire?
Replies: 193
Views: 11287

Re: Would you drive without a spare tire?

No. And I have a spare for the boat or the utility trailer if I'm pulling them. When I go any great distance off road I have a good 12v compressor, tire repair kit, snatch strap and recovery boards. And a first aid kit. And shoes or boots sturdy enough for a 5- or 10-mile hike. And water and snacks....
by andypanda
Sun Feb 02, 2020 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Uneven crack in sidewalk in front of my house, am I liable?
Replies: 37
Views: 3335

Re: Uneven crack in sidewalk in front of my house, am I liable?

"Many City ordinances make the maintenance of sidewalk the responsibility of the adjacent property owner." I'm glad I don't live in one of them. Richmond VA owns the sidewalk and the grass strip between the walk and the curb and they won't let you tamper with either or the trees that grow in the gra...
by andypanda
Sun Feb 02, 2020 2:57 pm
Forum: Personal Consumer Issues
Topic: Is high efficiency home heating equipment worth it? Worried I made a bad mistake.
Replies: 19
Views: 2915

Re: Is high efficiency home heating equipment worth it? Worried I made a bad mistake.

"High efficiency would not be worth it to me because I don't spend much to heat our well-insulated home ... maybe less than $400 a year." What state do you live in? What's the weather like? Heating for $400 a year in Richmond VA would be nice, but my 1916 house with the gas boiler and old radiators ...
by andypanda
Sat Feb 01, 2020 5:12 pm
Forum: Personal Consumer Issues
Topic: Is high efficiency home heating equipment worth it? Worried I made a bad mistake.
Replies: 19
Views: 2915

Re: Is high efficiency home heating equipment worth it? Worried I made a bad mistake.

Have you researched condensing boilers? The guy that checked out my old gas-fired boiler last year said some of the condensing boilers are only lasting 10 to 15 years. Maybe they weren't installed or maintained properly. The high efficiency boilers are going 15 to 30. He specializes in old boilers l...
by andypanda
Sat Feb 01, 2020 9:07 am
Forum: Personal Consumer Issues
Topic: Suggestions for wife's new luxury (or non luxury) SUV???? UPDATE: Thanks everyone for your help.
Replies: 138
Views: 9201

Re: Suggestions for wife's new luxury (or non luxury) SUV????

As I mentioned earlier, I have a '16 4Runner Trail Premium. I also have a 5' x 8' open trailer that's great for hauling lumber, soggy bags of mulch and whatnot. It's easier to load and unload than hauling large stuff inside the 4Runner. I don't know how far she has to drive to get to the feed store,...
by andypanda
Fri Jan 31, 2020 10:22 am
Forum: Personal Consumer Issues
Topic: Suggestions for wife's new luxury (or non luxury) SUV???? UPDATE: Thanks everyone for your help.
Replies: 138
Views: 9201

Re: Suggestions for wife's new luxury (or non luxury) SUV????

"I'm trying to get her into the Toyota 4Runner TRD 4wd which is outstanding but she doesn't like the look of the front end." I didn't like the front end of my 2016 Trail Premium w/KDSS when I bought it in '16. And still don't. But the dual-range 4WD system is what I needed and the locking rear diff ...
by andypanda
Mon Jan 13, 2020 3:38 pm
Forum: Personal Consumer Issues
Topic: Neighbor Harassment
Replies: 14
Views: 2402

Re: Neighbor Harassment

"What does leaving a fire unattended mean?" Seriously? It means you don't leave an open fire unattended. And you have means at hand to put it out and a way to quickly summon help if it spreads. www.dof.virginia.gov/infopubs/Outdoor-Fire-Laws_pub.pdf "4. Have water and hand tools, such as a shovel an...
by andypanda
Thu Jan 02, 2020 2:05 pm
Forum: Personal Consumer Issues
Topic: Auto repair - Is it reasonable price?
Replies: 32
Views: 1890

Re: Auto repair - Is it reasonable price?

"It’s a little bit hard to see how they could have spent so much time doing the listed work" Having worked on too many 20-year-old vehicles in my life, I can only imagine they were charging extra for every rusty stuck nut, bolt, washer and connection. And even more for every busted knuckle. But with...