Search found 274 matches

by TexasPE
Tue Aug 04, 2020 6:59 pm
Forum: Investing - Theory, News & General
Topic: What happens if you run out of money in retirement?
Replies: 105
Views: 8223

Re: What happens if you run out of money in retirement?

I’m 20 years from retirement, but I think Medicaid would allow you to live in a nursing home or assisted living center, and cover healthcare, and social security should be enough to cover expenses outside of that. Sell off assets, live in an apartment that’s income-based, etc. Based on a family mem...
by TexasPE
Sun Aug 02, 2020 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Losing a job in your 50's...
Replies: 532
Views: 81027

Re: Losing a job in your 50's...

...do not let yourself become like those people, where complacency leads you a place of extreme vulnerability. ... it just always comes down to "are you contributing as much as we are paying you?" +1000 A mass layoff in my early 30's opened my eyes. LBYM is important, but so is keeping oneself up-t...
by TexasPE
Sun Aug 02, 2020 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Car Windshield Cracked [Insurance coverage]
Replies: 17
Views: 1537

Re: Car Windshield Cracked

I'm sure it's quite variable on a number of factors, but a number of years ago, we had two cracked windshields in a short span of time. It caused us to be bumped up into a higher priced tier for a couple of years. We would have been better off paying out of pocket for at least one. This happened to...
by TexasPE
Wed Jul 29, 2020 4:45 pm
Forum: Personal Consumer Issues
Topic: Books that changed your life
Replies: 190
Views: 14779

Re: Books that changed your life

"How to Think Like a Boss and Get Ahead at Work" by Barry Eigen. Picked this book up in an airport newsstand. This book is an excellent guide for newer employees and managers. It was especially meaningful for me since I came from a blue collar/ union membership family. I gave copies to each of my di...
by TexasPE
Tue Jul 28, 2020 8:08 am
Forum: Personal Consumer Issues
Topic: Repair Refrigerator?
Replies: 61
Views: 3196

Re: Repair Refrigerator?

We are having the refrigerator problem too! Last week one morning we found that it stopped cooling. My husband started wiggling defrost knobs and the refrigerator started running again. We have had it over 20 years without any issues until now. Based on all the comments (this and other posts) regar...
by TexasPE
Sun Jul 26, 2020 4:09 pm
Forum: Personal Consumer Issues
Topic: Mattress toppers....
Replies: 33
Views: 1755

Re: Mattress toppers....

These worked for us (Kohls)

often on sale, especially if you have a Kohl's card

https://www.kohls.com/product/prd-37070 ... p?prdPV=18
by TexasPE
Sat Jul 25, 2020 4:00 pm
Forum: Personal Consumer Issues
Topic: Need Wheel Chair Ramp Portable
Replies: 7
Views: 536

Re: Need Wheel Chair Ramp Portable

antiqueman wrote:
Sat Jul 25, 2020 1:10 pm
Thank you for your reply. I am looking for a wheel chair ramp.
This should work

https://www.harborfreight.com/2-piece-s ... 44649.html

they also offer a folding model...
by TexasPE
Sat Jul 25, 2020 3:30 pm
Forum: Personal Consumer Issues
Topic: Refrigerator Thermometer
Replies: 22
Views: 1203

Re: Refrigerator Thermometer

and you don't have plans (or do you) to immerse it in ice water and calibrate it? I thought about doing that, but the package states "do not immerse in water". Suggest you seal the thermometer in a Ziploc bag and check its reading against icewater. (32 F) Then use the difference/ offset between 32 ...
by TexasPE
Sat Jul 18, 2020 7:37 pm
Forum: Personal Consumer Issues
Topic: Repair Refrigerator?
Replies: 61
Views: 3196

Re: Repair Refrigerator?

I would consider purchasing a used refrigerator (see local classified ads, local estate sales, rent-to-own stores) to use until the refrigerator you want is available. You can recover some/ all of the used appliance price by selling it when your new appliance is delivered. The rent-to-own stores in ...
by TexasPE
Sun Jul 05, 2020 6:27 pm
Forum: Personal Consumer Issues
Topic: Water Heater Leak
Replies: 23
Views: 982

Re: Water Heater Leak

Consider replacing with a dual-anode water heater. Adds ~$100 - 150 to cost [circa 2010], but doubles the length of corrosion protection. Also extends the manufacturer's warranty.
by TexasPE
Wed Jun 24, 2020 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of a PMP and is it worth it?
Replies: 38
Views: 3638

Re: Cost of a PMP and is it worth it?

It was worthwhile for me. I had been a PM (engineer at 1000+ employee oil refinery) for several years (projects up to $10M budget) when I decided to pursue the certification. My company paid for the training, testing fee, etc. They had an unusual approach to professional training - no corporate/ dep...
by TexasPE
Wed Jun 17, 2020 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: When does purchasing Umbrella Insurance Coverage makes sense?
Replies: 108
Views: 7059

Re: When does purchasing Umbrella Insurance Coverage makes sense?

Flobes wrote:
Wed Jun 17, 2020 3:16 pm

remember that it protects a victim to whom you may have caused harm. Imagine you seriously injured someone in an accident. It's good to know you have resources available to support their healing.
THIS

[Quotation corrected by Moderator Misenplace]
by TexasPE
Thu Jun 04, 2020 11:06 pm
Forum: Personal Consumer Issues
Topic: I Guess I Need A New TV?
Replies: 18
Views: 2147

Re: I Guess I Need A New TV?

If unplugging the tv for 2 minutes or so doesn't fix it, Google "reset xXxX yyyyy" where xXxX is the tv manufacturer and yyyyy is the model number. Manufacturers have specific ways to reset their firmware. Hope this helps.
by TexasPE
Thu Jun 04, 2020 9:48 pm
Forum: Personal Consumer Issues
Topic: Face mask recommendations
Replies: 173
Views: 12743

Re: Face mask recommendations

Is there a good way to fit test a N95 mask at home? A quantitative fit test at home is impractical (requires special equipment). We did an annual fit test at my employer to establish our proper mask size for different products and mask styles. A qualitative user seal-test will tell you whether the ...
by TexasPE
Sat May 30, 2020 6:04 pm
Forum: Personal Consumer Issues
Topic: Best home printer/scanner?
Replies: 39
Views: 2821

Re: Best home printer/scanner?

In my experience, you should ** reject ** all printer firmware updates. The printer manufacturers make their money on ink/toner - these firmware updates are usually issued to detect after market ink/toner. Years ago I was using aftermarket ink and received one of these updates. I allowed it to insta...
by TexasPE
Sat May 30, 2020 1:31 pm
Forum: Personal Consumer Issues
Topic: Face mask recommendations
Replies: 173
Views: 12743

Re: Face mask recommendations

I was fortunate to have some KN95 masks in my garage. Found this site

https://www.sages.org/n-95-re-use-instructions/

that explains how to safely reuse the masks.
by TexasPE
Thu May 28, 2020 7:17 am
Forum: Personal Consumer Issues
Topic: Best eFAX provider?
Replies: 11
Views: 855

Re: Best eFAX provider?

atikovi wrote:
Thu May 28, 2020 6:59 am
How much does a fax machine cost? Or why not scan and email your docs?
Many multifunction printers will also fax documents. Worth considering. Starting prices < $150.
by TexasPE
Mon May 25, 2020 7:50 am
Forum: Personal Consumer Issues
Topic: Update current laptop or buy new one?
Replies: 58
Views: 3979

Re: Update current laptop or buy new one?

If you are comfortable taking the laptop apart, https://www.youtube.com/watch?v=WldeVVjpRK4 eBay has a new upper and lower case set for $40 - free shipping. This should address the hinge issue. New battery is $15. Add an SSD and for ~$125 and 2-3 hours of your time you will have a renewed laptop, wi...
by TexasPE
Tue May 19, 2020 4:22 pm
Forum: Personal Consumer Issues
Topic: Ford F150 Engine long term reliability - V8 versus Turbo V6?
Replies: 86
Views: 6117

Re: Ford F150 Engine long term reliability - V8 versus Turbo V6?

Data point - brother and his son (nephew) both have the EcoBoost in their trucks. Both had stuck variable cam drive sprockets. There are four cams and each one has a sprocket that advances and retards the cam timing and they are controlled with oil pressure. Mechanic said that the system has several...
by TexasPE
Wed May 13, 2020 9:36 pm
Forum: Personal Consumer Issues
Topic: Dental estimate for a gold crown
Replies: 28
Views: 2021

Re: Dental estimate for a gold crown

Another data point - LCOL area, $650 for gold crown for molar last year - self pay... no insurance.
by TexasPE
Wed May 13, 2020 6:57 pm
Forum: Personal Consumer Issues
Topic: How to look for a good Primary Care Physician (PCP), and no price transparency...
Replies: 35
Views: 2125

Re: How to look for a good Primary Care Physician (PCP), and no price transparency...

Ask a nurse for a recommendation - they see many doctors 'in action' and can network with other nurses they know. (I'm married to one :D )
by TexasPE
Tue May 12, 2020 8:13 am
Forum: Personal Consumer Issues
Topic: Advice for upcoming foot surgery
Replies: 37
Views: 2163

Re: Advice for upcoming foot surgery

Pick up something like this https://www.amazon.com/Medline-Transfer-Bathtub-Adjustable-Non-Slip/dp/B086TPM48Y/ref=sr_1_12?crid=14ZEX0CEJ2KID&dchild=1&keywords=bath+transfer+bench+shower+chair&qid=1589289058&sprefix=bath+trans%2Caps%2C190&sr=8-12 The bench straddles the side of the tub... one side in...
by TexasPE
Thu Apr 16, 2020 8:14 am
Forum: Personal Consumer Issues
Topic: How to get N95 masks? Seriously
Replies: 61
Views: 5221

Re: How to get N95 masks? Seriously

Came across this...

https://www.snowjoe.com/products/kn95-p ... ard-5-pack

$17.00 for 5 plus shipping...
by TexasPE
Thu Apr 09, 2020 5:37 pm
Forum: Personal Consumer Issues
Topic: Laptop buying advice
Replies: 41
Views: 3145

Re: Laptop buying advice

her old laptop it has a 15.6" screen and 12 GB of RAM. Any advice out there for a good value? Is it worth paying up for an XPS? Is it worth paying up for 16 GB of RAM? Thanks! Consider upgrading to this SSD ($90) https://www.amazon.com/Samsung-500GB-Internal-MZ-76E500B-AM/dp/B0781Z7Y3S/ref=sr_1_2?c...
by TexasPE
Sun Apr 05, 2020 4:24 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1661
Views: 138561

Re: Coronavirus (Consumer Issues) How you are preparing?

Thought this might be of use (didn't read all 28 pages of posts - apologies if this has already been mentioned). How to safely reuse disposable N95 masks https://www.sages.org/n-95-re-use-instructions/ Also saw a comment that 'expired' N95 masks were based on the loss of elasticity of the straps , ...
by TexasPE
Thu Apr 02, 2020 9:21 am
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1661
Views: 138561

Re: Coronavirus (Consumer Issues) How you are preparing?

Thought this might be of use (didn't read all 28 pages of posts - apologies if this has already been mentioned). How to safely reuse disposable N95 masks https://www.sages.org/n-95-re-use-instructions/ Also saw a comment that 'expired' N95 masks were based on the loss of elasticity of the straps , n...
by TexasPE
Tue Feb 11, 2020 8:28 am
Forum: Personal Consumer Issues
Topic: Taken for a ride for Car maintenance [Can I dispute Credit card charge?]
Replies: 101
Views: 6642

Re: Taken for a ride for Car maintenance [Can I dispute Credit card charge?]

Invest a few hours reading something like this

https://www.amazon.com/gp/product/B00XM ... UTF8&psc=1

along with the maintenance schedule provided in your car user's guide, and you may save thousands
by TexasPE
Tue Jan 14, 2020 9:05 am
Forum: Personal Finance (Not Investing)
Topic: JPM Chase Reserve Card gets more expensive
Replies: 469
Views: 41939

Re: JPM Chase Reserve Card gets more expensive

From the comments looks like the card value to the holder is situational. For me, the Priority Pass Select (PPS) alone makes it worthwhile. My home airport is IAH. IAH has two airport lounges and two decent restaurants in the PPS network. I'm retired so my wife travels with me. We make ~5 trips each...
by TexasPE
Mon Jan 13, 2020 8:20 am
Forum: Personal Consumer Issues
Topic: Brother printer still recommended for small business?
Replies: 38
Views: 2199

Re: Brother printer still recommended for small business?

Check Amazon for the printer you are considering to see if remanufactured/ generic toner cartridges are available. This will save you in operating costs over the long run. My two cents. So, what I have been reading about Brother is that you cannot use those with their models any longer On a related...
by TexasPE
Sun Jan 12, 2020 10:03 pm
Forum: Personal Consumer Issues
Topic: Brother printer still recommended for small business?
Replies: 38
Views: 2199

Re: Brother printer still recommended for small business?

Check Amazon for the printer you are considering to see if remanufactured/ generic toner cartridges are available. This will save you in operating costs over the long run. My two cents.
by TexasPE
Thu Jan 02, 2020 5:24 pm
Forum: Personal Investments
Topic: Question about breaking CD 12 months before maturity
Replies: 22
Views: 1540

Re: Question about breaking CD 12 months before maturity

Have 200k in Synchrony bank's 5yr CD that matures in 12months. 2.25% APY. Is it worth to break CD now considering there hasn't been a recession in recent years? I usually split my CD funds into three or four separate amounts - say 50%, 25% ,25% or similar. That way, should I need some cash, I only ...
by TexasPE
Sat Dec 21, 2019 3:42 pm
Forum: Personal Consumer Issues
Topic: Please suggest easy vacation spots near Munich
Replies: 27
Views: 1309

Re: Please suggest easy vacation spots near Munich

We enjoyed Mittenwald... 65 miles from Munich via train. https://www.afar.com/magazine/bavarian-rhapsody-mittenwald-germanys-violin-making-capital on a trip several years ago. One of our party is a violinist and researched what to see. Fascinating if you or a traveling party member plays a stringed ...
by TexasPE
Thu Dec 19, 2019 9:39 am
Forum: Personal Consumer Issues
Topic: send in driver's license photo for new Capital One credit card
Replies: 49
Views: 11630

Re: send in driver's license photo for new Capital One credit card

As someone who churns a lot of credit cards, I've occasionally had this request from different banks for a new card. Fraud is on the rise, they're just trying to protect your identity and their business. Don't take it personally. I'm frankly glad to see they are being more vigilant about this. +1 Y...
by TexasPE
Tue Dec 10, 2019 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: Recent Engineering College Graduate can’t get job interviews, needs advice
Replies: 149
Views: 14247

Re: Recent Engineering College Graduate can’t get job interviews, needs advice

+1 for Networking Don't overlook local technical societies. One example is https://www.iise.org/Home/ but attend other societies that are strong in the area - AiChE, IEEE, ISA, ASME, etc. He can get to know engineers on a one-to-one basis and develop contacts. If he is not a polished communicator (I...
by TexasPE
Wed Dec 04, 2019 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Finding a Medigap insurance broker
Replies: 12
Views: 759

Re: Finding a Medigap insurance broker

I'm considering switching from Plan F to Plan G Medigap policy. In order to compare options and obtain quotes it might be helpful to contact a broker. I don't know much about this and how to contact a competent and ethical broker. Any advice would be appreciated. https://seniorsavingsnetwork.org/ w...
by TexasPE
Tue Dec 03, 2019 2:06 pm
Forum: Personal Consumer Issues
Topic: Airline overhead bins...do you think they're assigned?
Replies: 135
Views: 6759

Re: Airline overhead bins...do you think they're assigned?

To those who just throw their bag in any bin, as long as it is in front of their seat: Common sense and common(?) courtesy says use a bin as close to your seat as possible. Otherwise late boarders have to put their bag in a bin behind their seat (since you took up the space near their seat)- causing...
by TexasPE
Fri Nov 22, 2019 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: switch to manager role with 10% less pay, good idea?
Replies: 36
Views: 3096

Re: switch to manager role with 10% less pay, good idea?

Dottie57 wrote:
Fri Nov 22, 2019 4:46 pm
I think excellence in technology role beats management role by a mile.
+1

Moving from Technology to Management is often a one-direction move - you may be unpleasantly surprised at how quickly you lose your technical edge. This may make returning to a technical role in the future difficult.
by TexasPE
Thu Nov 21, 2019 9:28 pm
Forum: Personal Consumer Issues
Topic: Communication skills in group settings
Replies: 7
Views: 793

Re: Communication skills in group settings

I recommend Toastmasters

https://www.toastmasters.org/

There should be one or more groups in your area. Participation in this group will make you more comfortable in most speaking situations. I found their "Interpersonal Communication" projects especially meaningful.
by TexasPE
Wed Nov 20, 2019 4:27 pm
Forum: Personal Consumer Issues
Topic: Water heater - am I getting ripped off
Replies: 58
Views: 4597

Re: Water heater - am I getting ripped off

May want to consider a dual-anode water heater. Extends the life of the heater, and comes with a longer warranty. Cost for me (in 2010) was an additional $100.
by TexasPE
Mon Nov 11, 2019 9:17 pm
Forum: Personal Consumer Issues
Topic: Help :- Need a power wheelchair
Replies: 21
Views: 1983

Re: Help :- Need a power wheelchair

eBay has several brands and models in the $900-$1100 range, some with free returns.
by TexasPE
Sun Nov 10, 2019 8:58 pm
Forum: Personal Consumer Issues
Topic: Romantic northeast winter weekend getaway?
Replies: 28
Views: 3461

Re: Romantic northeast winter weekend getaway?

Take a look at

https://thomas-mott-bb.com/activities/

on the lake, optional chef-prepared dinners, lots to do in the area.
by TexasPE
Wed Nov 06, 2019 9:37 am
Forum: Personal Consumer Issues
Topic: Weddings - The good? The bad?
Replies: 47
Views: 4896

Re: Weddings - The good? The bad?

Another issue; destination weddings when it seems that every casual acquaintance is invited to fly 1000 miles or more, pay for hotel rooms, etc. Common sense says that most will not attend. Drastically thinning out the guest list is one of the main reasons that people use a destination wedding. Peo...
by TexasPE
Tue Nov 05, 2019 9:27 pm
Forum: Personal Consumer Issues
Topic: Weddings - The good? The bad?
Replies: 47
Views: 4896

Re: Weddings - The good? The bad?

Sometimes you are not allowed to enter the dining hall until couple arrives so then you also have to stand around...outside. +1 Waited 90 minutes in the dining hall - no food or drinks allowed until the bridal party arrived. I left - heard later it was two hours before the happy couple made it Anot...
by TexasPE
Mon Nov 04, 2019 8:16 am
Forum: Personal Consumer Issues
Topic: Cell phone service
Replies: 21
Views: 1880

Re: Cell phone service

Fellow bogleheads, I’ve had Verizon service for a decade. Due to some corporate changes, I’m looking to switch off the company plan. I can choose any personal plan Here are my criteria: 1. Extremely reliable. I like Verizon for this 2. Must have at least 3GB data/month. 3. Minimal hassles 4. Ideall...
by TexasPE
Sat Nov 02, 2019 8:31 am
Forum: Personal Finance (Not Investing)
Topic: No out of network coverage
Replies: 61
Views: 4147

Re: No out of network coverage

The same issue caused me to opt for Medicare + Supplement (Plan G) + Part D rather than an otherwise cost-effective local Advantage plan. A key area hospital (#1 in the USA for this specialty, which I have used before) does not participate in the available Advantage plans, but does accept traditiona...
by TexasPE
Fri Nov 01, 2019 10:16 am
Forum: Personal Consumer Issues
Topic: Halloween Candy - Favorites; Throw it in the Bag
Replies: 61
Views: 4022

Re: Halloween Candy - Favorites; Throw it in the Bag

anyone remember the Marathon candy bar? wonder why they discontinued it. Per Google... Snickers, which were first produced in the US in 1930, are believed to have taken their name from a beloved horse owned by the Mars family. Until July 1990 they were sold in the UK as Marathon bars , when Mars de...
by TexasPE
Mon Oct 28, 2019 11:47 am
Forum: Personal Consumer Issues
Topic: How to get a refund from Norwegian Airlines
Replies: 16
Views: 1389

Re: How to get a refund from Norwegian Airlines

If you want to avoid the hassle, give these guys a try https://www.airhelp.com/en/ I believe they keep 25% of any recovery They do keep 25%, but I filed my EU261 claim directly with Norwegian on their web site and it might have taken all of 15 minutes. I received my $1400 payoff in about 3 weeks. I...