Search found 207 matches

by InvisibleAerobar
Sat Dec 15, 2018 9:28 am
Forum: Personal Consumer Issues
Topic: Furnace in rental has issues with out-of-warranty parts, replace or repair?
Replies: 8
Views: 452

Re: Furnace in rental has issues with out-of-warranty parts, replace or repair?

Thanks again for all the responses. Unfortunately, the whole thing has been mooted. I actually contacted the HVAC company last night and told them to hold off until this afternoon; however, my dad just mentioned that the company sent out someone at 6 a.m. this morning. My dad is taking this quite a ...
by InvisibleAerobar
Fri Dec 14, 2018 10:24 pm
Forum: Personal Consumer Issues
Topic: Furnace in rental has issues with out-of-warranty parts, replace or repair?
Replies: 8
Views: 452

Re: Furnace in rental has issues with out-of-warranty parts, replace or repair?

thanks for all the responses. unfortunately, i'm 6 hours away, and my dad is 4 hours away, and we really can't be on-site for this thing. While I'd like to hire another two companies and compare the price, that may not be possible, given the constraints. But it does sound as if the HVAC company is d...
by InvisibleAerobar
Fri Dec 14, 2018 9:20 pm
Forum: Personal Consumer Issues
Topic: Furnace in rental has issues with out-of-warranty parts, replace or repair?
Replies: 8
Views: 452

Furnace in rental has issues with out-of-warranty parts, replace or repair?

My dad is currently renting a 9-yr old house to an excellent tenant, and the furnace in the house currently has some issues preventing the furnace from running. The tenant has a local HVAC company over to do a diagnostic, and the HVAC company stated that both the pressure switches and the inducer mo...
by InvisibleAerobar
Thu Dec 13, 2018 12:23 am
Forum: Personal Consumer Issues
Topic: Where does one purchase correctly-sized petite trousers?
Replies: 27
Views: 1224

Re: Where does one purchase correctly-sized petite trousers?

Thanks again to everyone who responded, special thanks to @rupert and @ResearchMed One general question is that what's the most that could be taken out from inseams? If it's no big deal to take out 3-4 inches, then a lot of individual trousers become feasible (suit jackets would be a whole 'nother i...
by InvisibleAerobar
Wed Dec 12, 2018 5:36 pm
Forum: Personal Consumer Issues
Topic: Where does one purchase correctly-sized petite trousers?
Replies: 27
Views: 1224

Re: Where does one purchase correctly-sized petite trousers?

thanks for all the responses; i'm male btw (she prefers to be addressed as my partner). And clarification re: size 3. I mistakenly thought that being btwn sizes 2 and 4 would mean size 3, without realizing that size 3 carries other implications. I think you should let the vanity-sizing thing go. The...
by InvisibleAerobar
Wed Dec 12, 2018 5:18 pm
Forum: Personal Consumer Issues
Topic: Where does one purchase correctly-sized petite trousers?
Replies: 27
Views: 1224

Where does one purchase correctly-sized petite trousers?

My partner is preparing for interviews, and few of her trousers currently fit, as she began exercising regularly half a year back. The trousers we'd want to buy should be: -90%+ wool -be sized properly (as in not overly vanity sized) -have inseam for petites For such a consumerism-driven economy, it...
by InvisibleAerobar
Mon Dec 10, 2018 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Do fundings in limited expense FSA (LEX-FSA) roll into regular FSA if insurance plan is changed?
Replies: 2
Views: 291

Re: Do fundings in limited expense FSA (LEX-FSA) roll into regular FSA if insurance plan is changed?

I'm also a federal employee, but going the opposite direction by electing HDHP with an HSA for the first time. I have plentiful unused FSA funds and am looking to use a LEX-FSA to carryover up to $500. The FSAFEDs folks told me over the phone that it will indeed carryover, although it's been a chal...
by InvisibleAerobar
Wed Nov 21, 2018 12:03 pm
Forum: Personal Consumer Issues
Topic: When to buy a new Volvo?
Replies: 16
Views: 1490

Re: When to buy a new Volvo?

Note that the CPO coverage has changed. Used to be 7 years from first purchase date of vehicle. Now it’s 5 years, extendable to 8 years. The V60 is still a car i’d want to buy, but i didnt like seeing the change Did not know about this change, which was obviously after we purchased our CPO 3 yrs ag...
by InvisibleAerobar
Wed Nov 21, 2018 12:23 am
Forum: Personal Consumer Issues
Topic: When to buy a new Volvo?
Replies: 16
Views: 1490

Re: When to buy a new Volvo?

Note that the CPO coverage has changed. Used to be 7 years from first purchase date of vehicle. Now it’s 5 years, extendable to 8 years.

The V60 is still a car i’d want to buy, but i didnt like seeing the change
by InvisibleAerobar
Sat Nov 17, 2018 11:26 pm
Forum: Personal Consumer Issues
Topic: Men's crew neck t-shirts
Replies: 47
Views: 3708

Re: Men's crew neck t-shirts

Uniqlo is the nicest i’ve worn. The cotton is relatively thick and holds up well
by InvisibleAerobar
Sat Nov 17, 2018 10:27 pm
Forum: Personal Consumer Issues
Topic: When is Too Long to Return a Hair Dryer to Costco?
Replies: 73
Views: 4927

Re: When is Too Long to Return a Hair Dryer to Costco?

Bike cables should get replaced every year or two, depending on how much use and abuse they’ve had, and whether they’ve been maintained properly (cables need to be lubed every once in awhile, too). Can't imagine that. Bought bikes 29 years ago. Same cables. Okay then. I suppose you could get by wit...
by InvisibleAerobar
Sat Nov 17, 2018 8:29 pm
Forum: Personal Consumer Issues
Topic: When is Too Long to Return a Hair Dryer to Costco?
Replies: 73
Views: 4927

Re: When is Too Long to Return a Hair Dryer to Costco?

I personally would say it provided good use, but I'd bet Costco will take it back if you ask them to. I did once return a bicycle to Costco 2 years after purchase. The cables that go to the brake calipers had completely disintegrated and the bike was undeniably unusable. I figured 2 years is too sh...
by InvisibleAerobar
Sat Nov 17, 2018 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: How Long / Hard To Become a Millionaire on Under $100k Income
Replies: 133
Views: 12318

Re: How Long / Hard To Become a Millionaire on Under $100k Income

EDIT: If you can't save 1,800 a month (assuming you make 50-100k per year), you need to seriously look at your expenses. Biggest thing you can do is buying a cheap house if your job is stable or getting roommates. You may want to look into cooking meals, buying used goods, learning to fix things on...
by InvisibleAerobar
Sat Nov 17, 2018 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: How Long / Hard To Become a Millionaire on Under $100k Income
Replies: 133
Views: 12318

Re: How Long / Hard To Become a Millionaire on Under $100k Income

EDIT: If you can't save 1,800 a month (assuming you make 50-100k per year), you need to seriously look at your expenses. Biggest thing you can do is buying a cheap house if your job is stable or getting roommates. You may want to look into cooking meals, buying used goods, learning to fix things on...
by InvisibleAerobar
Mon Nov 12, 2018 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Question re: HSA for federal employees and FSA carryover
Replies: 15
Views: 907

Re: Question re: HSA for federal employees and FSA carryover

I don't use the services often, but I do engage in a physical activity that could result in and had resulted in injuries (cycling), with one hospitalization. Otherwise, i just want to do one yearly check-up and be done with it. Compared to standard GEHA, the HDHP is not good for an accident-related...
by InvisibleAerobar
Fri Nov 09, 2018 11:37 am
Forum: Personal Consumer Issues
Topic: Best LSAT course?
Replies: 20
Views: 1012

Re: Best LSAT course?

Many thanks for the helpful suggestions!
by InvisibleAerobar
Thu Nov 08, 2018 11:40 am
Forum: Personal Consumer Issues
Topic: Best LSAT course?
Replies: 20
Views: 1012

Re: Best LSAT course?

to those of you who have taken the test, how many hours of studying elapsed before "you just got it", kinda like having things slow-down bullet-time style, metaphorically speaking. I remember when I was preparing for the old (1600-scale) SAT's, somewhere after memorizing a good bit of vocab and doin...
by InvisibleAerobar
Thu Nov 08, 2018 11:01 am
Forum: Investing - Help with Personal Investments
Topic: TSP over contribution
Replies: 12
Views: 2522

Re: TSP over contribution

bumping this thread, as I may run into a similar issue. I like to deal with whole numbers, and I have been contributing $725 into traditional TSP/biweek. This will sum to $18,850 for the entire year, which is $350 over. My question is, would TSP automatically return those contributions so that it's...
by InvisibleAerobar
Thu Nov 08, 2018 10:55 am
Forum: Investing - Help with Personal Investments
Topic: TSP over contribution
Replies: 12
Views: 2522

Re: TSP over contribution

bumping this thread, as I may run into a similar issue. I like to deal with whole numbers, and I have been contributing $725 into traditional TSP/biweek. This will sum to $18,850 for the entire year, which is $350 over. My question is, would TSP automatically return those contributions so that it's ...
by InvisibleAerobar
Tue Nov 06, 2018 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: FEHB HDHP options for Federal Employees
Replies: 28
Views: 2495

Re: FEHB HDHP options for Federal Employees

Have used GEHA for 7 years (HDHP last 2 years) with no real complaints. Definitely a big premium savings over BCBS. In 2018 GEHA changed their PPO network to UnitedHealthcare options in my area which provides a larger network than the previous company they used. It seems more in line with the BCBS ...
by InvisibleAerobar
Sat Nov 03, 2018 9:26 pm
Forum: Personal Consumer Issues
Topic: What are you learning or studying?
Replies: 112
Views: 9435

Re: What are you learning or studying?

Any new interests or hobbies that y'all are mastering? trying to make latté art bought a machine capable of making latté art three years ago and mainly dabbled since. More recently started trying to do it seriously and finally got a decent heart-shaped latté art today. Still have a ways to go befor...
by InvisibleAerobar
Thu Nov 01, 2018 4:10 pm
Forum: Personal Consumer Issues
Topic: Federal Employees Dental and Vision Insurance Program (FEDVIP) dental coverage
Replies: 14
Views: 1362

Re: Federal Employees Dental and Vision Insurance Program (FEDVIP) dental coverage

I have had GEHA for the past 6 years and have been happy with it. The vision insurances, however, are next to worthless if one needs toric contact lenses. The premium ends up barely covering the cost of the contact lens fitting. The affiliated shops from which one could obtain eyeglasses are also qu...
by InvisibleAerobar
Wed Oct 31, 2018 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: Calculating ROI for PhD
Replies: 86
Views: 4853

Re: Calculating ROI for PhD

I'd second this: "It is my personal experience that a PHD will not help an overperformer financially over the long term. It may provide other benefits though (nonfinancial)." For me, probably not a great financial decision, but I'd do it again in a heartbeat. Seems to be working out OK in the longe...
by InvisibleAerobar
Wed Oct 31, 2018 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Calculating ROI for PhD
Replies: 86
Views: 4853

Re: Calculating ROI for PhD

Great thread; youve gotten a lot of useful comments here. I was very naive in my 20s and never considered ROI when pursuing a PhD. I was a dreamer, an idealist, not at all pragmatic. I ended up spending way too much time in grad school, and now looking back in the rearview mirror, I incontrovertibl...
by InvisibleAerobar
Tue Oct 30, 2018 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Question re: HSA for federal employees and FSA carryover
Replies: 15
Views: 907

Re: Question re: HSA for federal employees and FSA carryover

Much appreciated for all the helpful answers! Someone on another forum mentioned that s/he had both a FSA for dental/vision and a HSA (a limited expense FSA, or LEX FSA), which is what got me curious about the whole thing. Specifically, whether money in my standard FSA can be channeled into this LEX...
by InvisibleAerobar
Tue Oct 30, 2018 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Calculating ROI for PhD
Replies: 86
Views: 4853

Re: Calculating ROI for PhD

"Top 1%" in talent for what? Talent for research is very different from talent for taking classes or learning from books. I don't think you can evaluate talent for research without actually doing some. another very good point. I found out about this the hard way, especially those requiring a lot of...
by InvisibleAerobar
Tue Oct 30, 2018 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Calculating ROI for PhD
Replies: 86
Views: 4853

Re: Calculating ROI for PhD

Don't get a PhD for the ROI. Do it so you can study what you want and never have a boss. Yep. I could make multiples what I do currently in grad school, but I wouldn't be able to work on nearly the kinds of interesting algorithms, math, or science that I can as a grad student. I spent 2 weeks almos...
by InvisibleAerobar
Tue Oct 30, 2018 8:48 am
Forum: Personal Finance (Not Investing)
Topic: Question re: HSA for federal employees and FSA carryover
Replies: 15
Views: 907

Re: Question re: HSA for federal employees and FSA carryover

bump; anyone has comments re: any of the providers or w/ the carryover?
by InvisibleAerobar
Sun Oct 28, 2018 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Question re: HSA for federal employees and FSA carryover
Replies: 15
Views: 907

Question re: HSA for federal employees and FSA carryover

as open enrollment is coming up, could someone enlighten me on which of the following may be reasonable alternative, compared to Blue Cross Basic? Specifically, the potential "traps" for Aetna Health Fund (10% coinsurance for most things, $70/biweek premium), Aetna Direct (20% of cost, $60/biweek pr...
by InvisibleAerobar
Fri Oct 26, 2018 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Making a substantial gift to a college
Replies: 27
Views: 2101

Re: Making a substantial gift to a college

Given your user name, I'd hazard a guess that your worry may be misplaced. Lots of old buildings on that campus, and almost none has been torn down since they moved to the current location some 100 years ago. That said, the eastern section of the campus has been panned ever since first built, so pe...
by InvisibleAerobar
Fri Oct 26, 2018 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Making a substantial gift to a college
Replies: 27
Views: 2101

Re: Making a substantial gift to a college

I have given regularly to my alma mater since graduation, usually meaningful but small amounts. A few days ago, they approached me about making a significantly larger gift to help anchor their new fundraising campaign for need-blind financial aid. It's a lot of ego-flattering stuff (invitation to j...
by InvisibleAerobar
Fri Oct 19, 2018 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Rule of thumb for how much to spend on rent?
Replies: 24
Views: 2312

Re: Rule of thumb for how much to spend on rent?

30% of net is a good place to start, but this is not a one-size fits all rule. When I say net, I mean that you should be contributing at least 15% to your 401k before calculating this number. I am currently spending 25% of my net, after maxing 401k and HSA. When I was fresh out of college (within t...
by InvisibleAerobar
Sun Oct 14, 2018 6:55 pm
Forum: Personal Consumer Issues
Topic: Recommendation for an ergonomic chair (staples)
Replies: 17
Views: 931

Re: Recommendation for an ergonomic chair (staples)

I got an open box Aeron from MadisonSeating and had to return the first one as one of the adjustment levers did't work but they took the return and gave me a different one and I've been really pleased. After going thru 4 chairs in 5 years, I've been happy with the Aeron. PS - I have no disc cushion...
by InvisibleAerobar
Sun Oct 14, 2018 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Trying to get a Federal Job
Replies: 22
Views: 3053

Re: Trying to get a Federal Job

Yes, less of your annuity will be taxable when you have to contribute more. But you are stuck with 4.8% regardless, so comparisons to options that aren’t available aren’t really relevant. I agree - I've just seen a lot of comments say it's not worth going into federal employment anymore specificall...
by InvisibleAerobar
Sun Oct 14, 2018 8:26 am
Forum: Personal Consumer Issues
Topic: NordVPN Gmail
Replies: 2
Views: 318

Re: NordVPN Gmail

working fine for me as well (gmail on chrome, with NordVPN extension running)
by InvisibleAerobar
Sat Oct 13, 2018 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Weigh in on our Marital Argument =)-- HCOL edition
Replies: 102
Views: 10568

Re: Weigh in on our Marital Argument =)-- HCOL edition

He takes public transport to work. I drive (because I drive further out to the suburbs), so we have 1 garaged parking space and 1 car. this part stood out. To which suburb would you commute? How much longer would your commute be? as for the 7am-8pm commuting schedule, unfortunately that's just "par...
by InvisibleAerobar
Sat Oct 13, 2018 11:12 am
Forum: Personal Consumer Issues
Topic: Recommendation for an ergonomic chair (staples)
Replies: 17
Views: 931

Re: Recommendation for an ergonomic chair (staples)

I'm also thinking of getting a fancy chair, as I have minor back issues. Came across this website, selling "open-box" Herman Miller Aeron chairs. Should I be wary of anything? https://www.madisonseating.com/aeron-chair-by-herman-miller-basic-lead.html?gclid=EAIaIQobChMIuurUi-eD3gIVxmSGCh1pVQcSEAQYAi...
by InvisibleAerobar
Sat Oct 13, 2018 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Kaiser or CareFirst
Replies: 39
Views: 2092

Re: Kaiser or CareFirst

I really liked CareFirst. Other than the fact that there's a deductible to hit (minimal), their rates are reasonable, and their annual cap is quite low (~$2k/person last time I checked). Most in the District and surrounding areas accept it as well. That said, I really wanted to join Kaiser, but thei...
by InvisibleAerobar
Thu Oct 11, 2018 4:51 pm
Forum: Personal Consumer Issues
Topic: Budget Coffee
Replies: 51
Views: 3274

Re: Budget Coffee

I tend to like light roasts and spend ~$16 / lb whole beans but got some New England Coffee the other day at about $6 / lb and didn't think it was all that bad. I'll probably stick with the local higher end stuff but am curious to try more of the cheap stuff. What do you all like for coffee say und...
by InvisibleAerobar
Sun Sep 30, 2018 12:06 pm
Forum: Personal Consumer Issues
Topic: What should you do if you have to use Facebook?
Replies: 22
Views: 2546

Re: What should you do if you have to use Facebook?

I just relocated to a new area and would like to participate in common-interest groups (cycling). Too bad a lot of them post events on facebook, and facebook lodges a few cookies any time i'd visit. Really annoying. I'm thinking of using private mode only.
by InvisibleAerobar
Fri Sep 28, 2018 1:25 pm
Forum: Personal Consumer Issues
Topic: Unexpected calls from my cell phone
Replies: 18
Views: 1467

Re: Unexpected calls from my cell phone

It has gotten so bad that I have blocked all non-contact calls from my area code and exchange - i.e. block all calls from 513-123... I missed one legit call because of this but added them as a contact which corrected it. I pretty much don’t answer any calls that make it through the call screening a...
by InvisibleAerobar
Fri Sep 28, 2018 10:19 am
Forum: Personal Consumer Issues
Topic: What flax seed do you buy (that is cadmium free)
Replies: 10
Views: 1052

Re: What flax seed do you buy (that is cadmium free)

thanks to all who chimed in. especially good to be reminded that I should put the bag in the fridge after opening, since i figured that whole seeds won't oxidize as easily. I've read that flax grown in northern Canada contains less cadmium than flax grown in southern Canada and the northern United S...
by InvisibleAerobar
Fri Sep 28, 2018 10:16 am
Forum: Personal Consumer Issues
Topic: Unexpected calls from my cell phone
Replies: 18
Views: 1467

Re: Unexpected calls from my cell phone

Wondering if anyone has had something similar happen . . . Recently, I received a call on my cell phone from an unrecognized number in my general area. I typically don't answer numbers I don't recognize, but for some reason, this one I answered. The caller indicated he was trying to identify my num...
by InvisibleAerobar
Tue Sep 25, 2018 8:56 am
Forum: Personal Consumer Issues
Topic: What flax seed do you buy (that is cadmium free)
Replies: 10
Views: 1052

What flax seed do you buy (that is cadmium free)

Used to be such an easy question to answer. However, while checking out an item today, I was notified that flax could absorb quite a bit of cadmium from the soil. Which leads me to ask, what flax seeds are cadmium free? A retailer from Saskatchewan claims its flax seeds to be cadmium free, but could...
by InvisibleAerobar
Fri Sep 21, 2018 7:44 pm
Forum: Personal Consumer Issues
Topic: True cost of a [dental] implant
Replies: 71
Views: 11449

Re: True cost of a [dental] implant

Reviving an old thread here. My SO received an estimate for 3 implants today for $21,000. This is in the Seattle area with one of the best dental insurances. I find it unbelievable. Could it be just a COL issue? no; it's an issue of materials + dentist's fee + dentist's profit. Is the $21k before o...
by InvisibleAerobar
Thu Sep 20, 2018 1:01 pm
Forum: Personal Consumer Issues
Topic: BlackFriday Shopping - what do you usually buy? (other than Christmas gifts)
Replies: 36
Views: 2631

Re: BlackFriday Shopping - what do you usually buy? (other than Christmas gifts)

I was preparing a list of items to purchase for this blackfriday and wanted to see what others are planning to. What do you usually find cheaper and buy during this time? I heard people plan buying things that they need for the next whole year. Here is my list so far - - QLED/OLED TV - MacBook lapt...
by InvisibleAerobar
Mon Sep 17, 2018 5:07 pm
Forum: Personal Consumer Issues
Topic: Sling TV experiences
Replies: 38
Views: 4188

Re: Sling TV experiences

does anyone know if Sling's DVR allows one to fast forward/skip ads?

also, is this available for NBC/NBCSN, Foxsports, and TNT? I ask b/c there are times i'd like to watch a soccer match a few hours (or days) after the match
by InvisibleAerobar
Sun Sep 16, 2018 3:59 pm
Forum: Personal Consumer Issues
Topic: That Extravagant Thing You Do
Replies: 307
Views: 53964

Re: That Extravagant Thing You Do

I own a bicycle that doubles the value of my car when it's on the rack. and how much does the value of your car increase when you affix the rack to your car ;) Mountain bike worth more than car. i guess that makes at least three of us? My reaction is mostly :sharebeer, though part of me is either o...
by InvisibleAerobar
Fri Sep 14, 2018 4:11 pm
Forum: Personal Consumer Issues
Topic: Benefits/longevity of more expensive ($300+) mens dress shoes?
Replies: 75
Views: 8821

Re: Benefits/longevity of more expensive ($300+) mens dress shoes?

Yall actually use shoe trees huh? Also, I'm curious what colors shoe people rotate between. $250 + shoes 2 Black 1 Brown of course. shoe trees soak up moisture and my maintenance supply probably cost another $100 (conditioners, lotions, actual shoe shine, horsehair brushes, etc). basically $30 for ...
by InvisibleAerobar
Thu Sep 13, 2018 7:18 pm
Forum: Personal Consumer Issues
Topic: Benefits/longevity of more expensive ($300+) mens dress shoes?
Replies: 75
Views: 8821

Re: Benefits/longevity of more expensive ($300+) mens dress shoes?

Allen Edmonds are good quality, but the they have the typical clunky american design. You've got to go British when buying dress shoes... Church Loakes Grenson Cheaney Barker And yes, in general, you get what you pay for. Obviously on a site like this you'll find people trying to convince you that ...