Search found 234 matches

by TexasPE
Thu Nov 21, 2019 9:28 pm
Forum: Personal Consumer Issues
Topic: Communication skills in group settings
Replies: 7
Views: 583

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: 55
Views: 3600

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: 20
Views: 1430

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: 3001

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: 4305

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: 4305

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: 1654

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: 3688

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: 3265

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: 1155

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...
by TexasPE
Sun Oct 27, 2019 7:24 pm
Forum: Personal Consumer Issues
Topic: Travel hacking international flights
Replies: 50
Views: 5028

Re: Travel hacking international flights

May want to consider the Avianca credit card https://www.doctorofcredit.com/avianca-lifemiles-credit-cards-40000-60000-miles-bonuses-after-1000-in-purchases/ Gives you 60,000 Lifemiles after $1000 in purchases. Avianca is part of the Star alliance, along with United and Luftansa. Many credit cards (...
by TexasPE
Sat Oct 26, 2019 5:44 pm
Forum: Personal Consumer Issues
Topic: How to get a refund from Norwegian Airlines
Replies: 16
Views: 1155

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
by TexasPE
Fri Oct 25, 2019 11:28 am
Forum: Personal Consumer Issues
Topic: How to learn to communicate better as a leader?
Replies: 13
Views: 1301

Re: How to learn to communicate better as a leader?

Non-investing post here, but I have learned so much from the group here ++++++ We have a new leader from Europe leading a multicultural team Thanks! Encourage the manager to take cultural issues into account. I've had European managers bring their Eurocentric relationship models with them to the US...
by TexasPE
Wed Oct 23, 2019 4:45 pm
Forum: Personal Consumer Issues
Topic: Bought CPO car - checklist incomplete/wrong
Replies: 9
Views: 970

Re: Bought CPO car - checklist incomplete/wrong

TPMS should activate at roughly 20% below pressure on door tag. If it does not, sensors are missing or dead batteries. Indirect TPMS, 2014-2019: TPMS sensors are not installed in the wheel, tire pressure is communicated through the ABS system measuring tire rotation speed. https://www.ateq-tpms.com...
by TexasPE
Tue Oct 22, 2019 9:49 pm
Forum: Personal Consumer Issues
Topic: Subaru Legacy
Replies: 9
Views: 981

Re: Subaru Legacy

Given the OP's situation, I would search for a 2018 or 2019 Legacy Limited with the 3.6R engine and a certified pre-owned designation and warranty. This would provide a proven design including the improvements implemented in those model years, along with extensive warranty protection for a much low...
by TexasPE
Mon Oct 21, 2019 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: Beach City / Town in Florida
Replies: 64
Views: 7542

Re: Beach City / Town in Florida

Don't overlook Jupiter. Close to PBI. My BIL manages some condos there, and the beach, stores and restaurants are all walkable from his place. We've stayed with him several times and have always enjoyed it - the business district is growing - more stores and restaurants every visit. Traffic is not b...
by TexasPE
Mon Oct 21, 2019 5:52 pm
Forum: Personal Consumer Issues
Topic: BCBS wont pay lab bill...
Replies: 44
Views: 4114

Re: BCBS wont pay lab bill...

If you receive your insurance through your employer, HR may have a claims coordinator who will work with you on this. My employer funded the actual claims and hired an insurance company (Aetna) to administer the program. I successfully appealed a $3000+ genetic test the claims administrator original...
by TexasPE
Mon Oct 21, 2019 4:33 pm
Forum: Personal Consumer Issues
Topic: Second Opinion for Dental Procedure/Cost (Crown)
Replies: 13
Views: 1372

Re: Second Opinion for Dental Procedure/Cost (Crown)

I don't know the average costs for a crown in your area. In Central Florida if you call around you can get a crown and a buildup for 1300 or so in my area. There are certainly other things to consider besides price when getting a crown and a buildup. +1 1300 in SE Texas. I'd get a second opinion. A...
by TexasPE
Mon Oct 21, 2019 8:13 am
Forum: Personal Consumer Issues
Topic: Updgrade car for new safety features?
Replies: 77
Views: 4924

Re: Updgrade car for new safety features?

Death rates in vehicle accidents ignore the personal and economic impact of injuries, disabilities, and property damage incurred in non-fatal incidents. Self-righteous proclamations that constantly attentive driving can avoid all accidents are patent nonsense, as are the assertions that buying a ne...
by TexasPE
Sat Oct 19, 2019 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Continuing Disability Review
Replies: 21
Views: 1272

Re: Continuing Disability Review

Just a quick update; called my sister and she brought up that she was contacted as well about this. She said she never bothered to fill out and return the forms SSD sent her so I assume that’s why they reached out to me. The solution seems straightforward to me. She is receiving a government benefi...
by TexasPE
Wed Oct 16, 2019 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Frustrated with dentist fees
Replies: 82
Views: 6251

Re: Frustrated with dentist fees

I've self-insured for 20yrs. Most recently: --New patient exam, x-rays, and cleaning: ~$400 . (Old dentist closed office.) --Root canal and temporary crown: ~$1100 . (My last root canal was >20yrs ago.) --New crown: ~$1400 . (My last crown was >20yrs ago.) --Regular cleaning: ~ $150 . Interesting -...
by TexasPE
Mon Oct 14, 2019 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Frustrated with dentist fees
Replies: 82
Views: 6251

Re: Frustrated with dentist fees

I've self-insured for 20yrs. Most recently: --New patient exam, x-rays, and cleaning: ~$400 . (Old dentist closed office.) --Root canal and temporary crown: ~$1100 . (My last root canal was >20yrs ago.) --New crown: ~$1400 . (My last crown was >20yrs ago.) --Regular cleaning: ~ $150 . Interesting -...
by TexasPE
Mon Oct 14, 2019 5:48 pm
Forum: Personal Consumer Issues
Topic: How to retrieve measuring stick stuck inside oil delivery pipe?
Replies: 29
Views: 1693

Re: How to retrieve measuring stick stuck inside oil delivery pipe?

Fabricate something like this https://www.amazon.com/Redneck-Convent-Animal-Catch-Pole/dp/B07NDH412M/ref=sr_1_2?crid=7JIY7HTIKS11&keywords=snare+pole&qid=1571092849&sprefix=snare+pole%2Caps%2C210&sr=8-2 using a two-foot piece of small-diameter PVC pipe and a reasonably stiff wire (picture hanger or ...
by TexasPE
Mon Oct 14, 2019 7:18 am
Forum: Personal Consumer Issues
Topic: Car renting
Replies: 29
Views: 2471

Re: Car renting

If you tried the autoslash thing that was mentioned, you will need to do more checking on the company policies and they do seem to offer some less reputable companies that I would avoid. I recommended Autoslash. It presents several rental company choices. For those who haven't tried Autoslash, I us...
by TexasPE
Sun Oct 13, 2019 2:28 pm
Forum: Personal Consumer Issues
Topic: Portable Music for Exercise
Replies: 13
Views: 1107

Re: Portable Music for Exercise

You can still get iPods at pawn shops. ...and eBay... See sixth generation (that's what I use)... https://www.ebay.com/itm/Apple-iPod-Nano-1st-2nd-3rd-4th-5th-6th-7th-8th-Generation-4GB-8GB-16GB/202184251675?_trkparms=ispr%3D1&hash=item2f131ed91b:m:mL05kwlQ_MtF97JUNhRQ8ww:sc:USPSFirstClass!77706!US...
by TexasPE
Sat Oct 12, 2019 5:57 pm
Forum: Personal Consumer Issues
Topic: Car renting
Replies: 29
Views: 2471

Re: Car renting

Give Autoslash a try

https://www.autoslash.com/quote/pickup-location

It checks all the major rental car companies at your pick-up point, typically saves me $30+ per trip and will monitor your reservation for price drops.
by TexasPE
Sat Oct 12, 2019 4:16 pm
Forum: Personal Consumer Issues
Topic: Do you carry your passport with you during international travel?
Replies: 110
Views: 9583

Re: Do you carry your passport with you during international travel?

We also use passports when flying domestically because one time the TSA officer in a faraway city didn’t think my Enhanced DL was from a real state. He hand-wrote an SSSS on my boarding pass and got very special treatment on the remainder of my trip. What state did the TSA officer not recognize? I'...
by TexasPE
Sat Oct 12, 2019 7:18 am
Forum: Personal Finance (Not Investing)
Topic: Anyone ever got car insurance JUST for car rentals?
Replies: 13
Views: 1219

Re: Anyone ever got car insurance JUST for car rentals?

American Express offers a flat-rate per-rental primary coverage insurance policy for card-holders. May be sufficient for your needs.

https://feeservices.americanexpress.com ... ge/home.do
by TexasPE
Fri Oct 11, 2019 6:48 pm
Forum: Personal Consumer Issues
Topic: Replace water heater just because it's old?
Replies: 73
Views: 5990

Re: Replace water heater just because it's old?

zlandar wrote:
Fri Oct 11, 2019 5:29 pm
I replaced mine at 14 years. I looked into replacing the anode rod but no one locally carries them.
Last replacement I did was with a dual anode model - only ~$100 more, and came with an extended warranty. Something to consider... ours is in the attic and a PITA to replace.
by TexasPE
Fri Oct 11, 2019 3:11 pm
Forum: Personal Consumer Issues
Topic: Seiko Watch
Replies: 37
Views: 3736

Re: Seiko Watch

generally, if it's sold by Amazon, you're fine. If it's sold by a 3rd party seller, it's much murkier. That being said, at this price range, I highly doubt there is a market for fake Seikos. Amazon DOES sell grey-market watches. https://thewatchmaker.com/grey-market/ These are genuine but without t...
by TexasPE
Wed Oct 09, 2019 7:54 pm
Forum: Personal Consumer Issues
Topic: Do you carry your passport with you during international travel?
Replies: 110
Views: 9583

Re: Do you carry your passport with you during international travel?

I always carry it - deep in the front pocket of tight fitting jeans. +1 I use https://www.amazon.com/Eagle-Creek-Travel-Undercover-Hidden/dp/B0054IH9UC/ref=sr_1_8?crid=11NI9GT3Y9QVR&dchild=1&keywords=money+belts+for+travel+hidden&qid=1570668725&sprefix=money+belt%2Caps%2C204&sr=8-8 Also have DW and...
by TexasPE
Wed Oct 09, 2019 6:50 pm
Forum: Personal Consumer Issues
Topic: When to put on new roof?
Replies: 34
Views: 2875

Re: When to put on new roof?

Don't forget any insurance requirements such as windstorm certification. I believe this is free, at least in Texas, if the roof is inspected as it is replaced.
by TexasPE
Tue Oct 08, 2019 5:28 pm
Forum: Personal Investments
Topic: 12 month rule for 401k to IRA
Replies: 13
Views: 973

Re: 12 month rule for 401k to IRA

A more fundamental question is, why do you want to move away from 401k ? If the costs in the 401k plan are low, it might be better to leave funds in the plan instead of rolling over to IRA I did a 401(k) to a split IRA/ Roth IRA rollover to separate my pre- and post-tax 401(k) contributions. My emp...
by TexasPE
Sat Oct 05, 2019 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Do you know what your partner spends money on?
Replies: 80
Views: 6593

Re: Do you know what your partner spends money on?

Spouse gets a large "allowance" (the word sounds condescending but I can't think of a better one) that is not part of the YNAB budget and is a black box to me. The system works. :happy That word does not sound condescending to me, I don't see anything wrong with giving your spouse an allowance. +1 ...
by TexasPE
Thu Oct 03, 2019 7:42 pm
Forum: Personal Consumer Issues
Topic: Would or should you tip AAA road assistance?
Replies: 67
Views: 4955

Re: Would or should you tip AAA road assistance?

Tipped $20 once, 6 AM, 10 degrees out, in a snowstorm right outside downtown and got a flat. AAA guy came from 18 miles away since nobody closer would take the call. Ordinarily I would not tip unless there were special circumstances. I did the same thing last weekend. Except it was 100 degrees out,...
by TexasPE
Tue Oct 01, 2019 8:45 pm
Forum: Personal Consumer Issues
Topic: How did your Windows 10 upgrade go?
Replies: 60
Views: 4068

Re: How did your Windows 10 upgrade go?

...hard drive (spinning disk) and replacing with a SSD (solid state drive) and using windows 10 make these about as fast as most people need. +1 After installing Windows 10 on my 2011 desktop and 2012 laptops, I installed SSDs. The SSD made the machines as responsive as we needed. If you decide to ...
by TexasPE
Mon Sep 30, 2019 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: pension plan and bankruptcy
Replies: 7
Views: 1196

Re: pension plan and bankruptcy

Even solvent companies and pension plans occasionally make efforts to jettison their pensioners, through lump sums or private annuities, often using dubious math . Think hard and consult professionals as necessary if that happens. +1 one of many laid off - company acquired by another - new owner de...
by TexasPE
Mon Sep 30, 2019 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: New job and dislike it ... go back to old employer?
Replies: 43
Views: 4625

Re: New job and dislike it ... go back to old employer?

Many folks would be grateful for the opportunity for a significant bump in salary and a four day/forty hour work week. An hour plus on transit where you don't have to focus on driving and can read, listen to an audio book or do something else to pass the time beats an hour plus in stop and go traff...
by TexasPE
Mon Sep 30, 2019 5:58 pm
Forum: Personal Consumer Issues
Topic: high toilet
Replies: 33
Views: 3326

Re: high toilet

Take some time to figure out what height you would really like. Allow for the height of the seat. Maybe stick a small tape measure in your purse and measure a few... +1. Short persons use high toilets with their toes dangling inches above the floor. Trying to leap off the seat is tedious to painful...
by TexasPE
Mon Sep 30, 2019 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: New State Farm Coverages
Replies: 46
Views: 16298

Re: New State Farm Coverages

Have something similar from SAGE homeowners (TX). For $47/yr, thought it might be worthwhile for my two HVAC systems alone, which have been trouble-prone and just exhausted their 10-year P&L warranty. The $500 deductible would negate most of the value for the other items listed, unless there was a l...
by TexasPE
Mon Sep 30, 2019 7:54 am
Forum: Personal Consumer Issues
Topic: high toilet
Replies: 33
Views: 3326

Re: high toilet

Lots of options without having to replace the toilet. See, for example...

https://www.amazon.com/Essential-Medica ... 201&sr=8-5
by TexasPE
Wed Sep 25, 2019 11:25 am
Forum: Personal Finance (Not Investing)
Topic: College Student Internships
Replies: 45
Views: 2291

Re: College Student Internships

Note there is also favoritism, aka diversity, that leads to who do and do not get these plum internships. Girls in STEM, no problem if they are above avg students, they can beat the top male students. Same for various minority groups. [OT comments removed by admin LadyGeek] +1 It's been a while, bu...
by TexasPE
Tue Sep 24, 2019 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: How to find the best credit card promotion?
Replies: 47
Views: 3761

Re: How to find the best credit card promotion?

Long ago my credit card offered 2% cash back. Over the years that dropped to 1.5% and now sometimes it’s 1% on particular items. I have excellent credit, I pay my bill in full at the end of every month. I’m interested in a credit card with $0 fees and as much cash back as possible. Also, I know som...
by TexasPE
Tue Sep 24, 2019 10:34 am
Forum: Personal Consumer Issues
Topic: Best website to see what deals people have been getting on new car purchases.
Replies: 15
Views: 1814

Re: Best website to see what deals people have been getting on new car purchases.

masonstone wrote:
Mon Sep 23, 2019 8:40 pm
I’m interested in a Honda Odyssey
Try

https://www.odyclub.com/

A search engine is your friend :happy
by TexasPE
Tue Sep 24, 2019 7:34 am
Forum: Personal Consumer Issues
Topic: New Camry Questions
Replies: 101
Views: 6562

Re: New Camry Questions

I don't trust the push-button start systems. There's nothing wrong with just a key. A caveat on the push-button start - at least for the Mazda CX5. When the fob button battery dies (which ours do every two years), the car will not start . The spare key in the fob doesn't help - it will get you into...
by TexasPE
Tue Sep 24, 2019 7:19 am
Forum: Personal Finance (Not Investing)
Topic: College Student Internships
Replies: 45
Views: 2291

Re: College Student Internships

Note there is also favoritism, aka diversity, that leads to who do and do not get these plum internships. Girls in STEM, no problem if they are above avg students, they can beat the top male students. Same for various minority groups. [OT comments removed by admin LadyGeek] +1 It's been a while, bu...
by TexasPE
Mon Sep 23, 2019 10:38 am
Forum: Personal Consumer Issues
Topic: Credit Card Points - Best options?
Replies: 29
Views: 2282

Re: Credit Card Points - Best options?

If most of your spending is on travel and client meals, the Chase Sapphire Reserve is a better deal than most, as it gets triple points for travel and restaurants. +1 for Chase Sapphire Reserve (CSR). If your travel includes flying, CSR gives you free Priority Pass Plus membership. Check https://ww...
by TexasPE
Sat Sep 21, 2019 8:45 pm
Forum: Personal Consumer Issues
Topic: New Camry Questions
Replies: 101
Views: 6562

Re: New Camry Questions

A caveat on the push-button start - at least for the Mazda CX5. When the fob button battery dies (which ours do every two years), the car will not start . The spare key in the fob doesn't help - it will get you into the vehicle, but the push-button start doesn't function. Apparently the fob battery...
by TexasPE
Sat Sep 21, 2019 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: 2 weeks notice or No Notice ? save 3.5K or Reputation ?
Replies: 135
Views: 11260

Re: 2 weeks notice or No Notice ? save 3.5K or Reputation ?

Really, I cant decide. it so hard. During my surgery 2.5 yrs back, this same team (my same manager and peers) supported me a lot during my disability time. If feel I owe to them, the notice. I would give advance notice for the benefit of your manager and peers, who will be expected to pick up your ...
by TexasPE
Sat Sep 21, 2019 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Questions about switching homeowners insurance (logistics); also questions re: Amica quotes
Replies: 7
Views: 695

Re: Questions about switching homeowners insurance (logistics); also questions re: Amica quotes

Be aware that the new insurer may want to do an internal/ external house inspection. One company wanted to take photos under every sink/ vanity (existing leak, etc that might contribute to damage/ mold). Another wanted the gutters cleaned and a vine growing on our wooden fence removed - had to email...