Search found 466 matches

by Turbo29
Sun Jun 23, 2019 2:09 pm
Forum: Personal Consumer Issues
Topic: Outdoor vs Indoor HD antenna
Replies: 31
Views: 1166

Re: Outdoor vs Indoor HD antenna

I live only a few miles from the transmitters (plural because almost all of them are in the same location here). I use an indoor antenna. No problems except for one. On channel 5, when an airplane lands at the airport about 4 miles from here in the other direction from the transmitters, the picture ...
by Turbo29
Sun Jun 23, 2019 11:18 am
Forum: Personal Consumer Issues
Topic: roofer randomly showing up to home
Replies: 28
Views: 727

Re: roofer randomly showing up to home

I have a tree trimmer that did a similar thing. Did not show up when he said he would. Finally I texted him and ask him if he wanted to do it or not. He said okay I'll come tomorrow and he did, and did a great job.

I would use him again.
by Turbo29
Sun Jun 23, 2019 9:18 am
Forum: Personal Consumer Issues
Topic: Do you Casino? What do you play? Have you won?
Replies: 82
Views: 4233

Re: Do you Casino? What do you play? Have you won?

Interesting article about how the machines are designed to addict the gambler.

https://www.theatlantic.com/magazine/ar ... ll/505814/
by Turbo29
Sun Jun 23, 2019 8:03 am
Forum: Personal Consumer Issues
Topic: Do you Casino? What do you play? Have you won?
Replies: 82
Views: 4233

Re: Do you Casino? What do you play? Have you won?

Gambling can also affect taxation of Social Security. Winnings, even if offset by deductions of losses, increase the amount of SS subject to tax and Medicare premiums. I have a friend who was blindsided by this.

https://www.thebalance.com/hidden-gambl ... rd-2388969
by Turbo29
Sat Jun 22, 2019 4:10 pm
Forum: Personal Consumer Issues
Topic: How to avoid high vet bills?
Replies: 90
Views: 4947

Re: How to avoid high vet bills?

It's amazing what vets can miss though. I posted earlier that I had a cat infected with cryptococcus several years ago and researched it before deciding whether or not to go through with treatment, this was 17 or 18 years ago. About a ago I got a text from a friend in another state with a picture of...
by Turbo29
Sat Jun 22, 2019 3:46 pm
Forum: Personal Consumer Issues
Topic: Do you Casino? What do you play? Have you won?
Replies: 82
Views: 4233

Re: Do you Casino? What do you play? Have you won?

Guess I just do not "get it" - spending significant amounts on a statistically sure long term losing activity. I remember going to Las Vegas with a friend when I was 21 or so. We walked up to a craps table and watched. I turned to my friend and said, "That guy rolling the dice is obviously a busine...
by Turbo29
Sat Jun 22, 2019 3:42 pm
Forum: Personal Consumer Issues
Topic: Do you Casino? What do you play? Have you won?
Replies: 82
Views: 4233

Re: Do you Casino? What do you play? Have you won?

Try wagering on thoroughbred horse racing. I remember in my early to mid 20's going to Santa Anita, Hollywood Park, Del Mar, Los Alamitos, etc. I was fascinated by the whole thing and read several books about it. In a way it was like the stock market, studies have shown that the rank of the horse b...
by Turbo29
Mon Jun 17, 2019 6:54 pm
Forum: Personal Consumer Issues
Topic: My Cost of Progressive Lenses/glasses - did I pay too much?
Replies: 69
Views: 3755

Re: My Cost of Progressive Lenses/glasses - did I pay too much?

Yes, you did. For me (9.75, astigmatism), Costco was $200. Zenni was $80. Last time I got glasses (progressives) I purchased a pair from Costco. Just for fun (and to have a spare) I ordered a pair from Zenni. I can see perfectly well with either pair, the Zenni glasses were just as good as the Cost...
by Turbo29
Mon Jun 17, 2019 11:52 am
Forum: Personal Consumer Issues
Topic: How to avoid high vet bills?
Replies: 90
Views: 4947

Re: How to avoid high vet bills?

I had a cat that at~1yr old came down with a fungal infection (cryptococcus). I read some veterinary journals and found that the cure rate with treatment was near 100%. Treatment was about $2K but the cat lived 18 more years. I tell this story about the cat to any vet I deal with the first time I se...
by Turbo29
Mon Jun 17, 2019 11:32 am
Forum: Personal Consumer Issues
Topic: How to avoid high vet bills?
Replies: 90
Views: 4947

Re: How to avoid high vet bills?

dm200 wrote:
Mon Jun 17, 2019 9:19 am
Be willing to "replace" the dog sooner - and do not spend much at all on vet bills.

I grew up on a farm - and most folks had dogs - BUT spent very little on vet bills.

Usually cheaper to replace the dog than spend a lot on these vet bills.
Yep, on Bogleheads, it's ALL about the money.
by Turbo29
Mon Jun 17, 2019 11:29 am
Forum: Personal Consumer Issues
Topic: My Bad Experience With Angie's List
Replies: 36
Views: 4117

Re: My Bad Experience With Angie's List

I realize that this may not work in every situation (e.g., for jobs that are small enough that a handyman suffices), but for larger jobs (e.g., HVAC) I've had good luck going through Costco. My assumption that the contractor must be good in order to have satisfied Costco's quality control has been ...
by Turbo29
Sun Jun 16, 2019 9:37 am
Forum: Personal Consumer Issues
Topic: Alternative to US Postal (USPS) for Mail Delivery of Checks
Replies: 7
Views: 484

Re: Alternative to US Postal (USPS) for Mail Delivery of Checks

Fast forward: Several years ago, got sick of hassling with misdirected residential mail and talked to a USPS desk clerk and he said that my problem was common and recommended that I get a PO Box. So I did it. I wouldn't talk to a desk clerk. I had this problem several years ago. In fact it got so b...
by Turbo29
Sun Jun 16, 2019 8:44 am
Forum: Personal Consumer Issues
Topic: Mosquitos
Replies: 45
Views: 3664

Re: Mosquitos

Been using this for years. Chrysanthemum-based, no pesticide spraying! Very effective 15 mins after turning it on: All pyrethroid insecticides are derivatives of chrysanthemums, but they are insecticides. From the manufacturer's website: "Active ingredientD-cis/trans allethrin" From http://pmep.cce...
by Turbo29
Sat Jun 15, 2019 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Chase "You Invest" balance count for checking fees?
Replies: 7
Views: 765

Re: Chase "You Invest" balance count for checking fees?

Okay, so I just got hit with a $12 fee for my Chase checking. My balances including the You Invest account never dropped below $5000. The only thing I can think that I did wrong is they state that $0 Monthly Service Fee when you have any ONE of the following: • Direct deposits totaling $500 or more ...
by Turbo29
Mon Jun 10, 2019 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: How to donate to a non profit organization anonymously?
Replies: 22
Views: 1714

Re: How to donate to a non profit organization anonymously?

I'll give more when I want to - paying for them to send more money requests turns me off. It bugs me too but look at it from their point of view. If they spend $100 to send out solicitations and it brings in $101 in donations, it is worth it for them. (Disregarding the fact that it irritates a lot ...
by Turbo29
Mon Jun 10, 2019 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: Laminating important documents - a good idea?
Replies: 34
Views: 2433

Re: Laminating important documents - a good idea?

From the social security office. Do not laminate your social security card: https://faq.ssa.gov/en-US/Topic/article/KA-02202 I have my original from before they said, "Do not laminate." I laminated it over 40yr ago. Am I in trouble? (Had I not laminated it back when I got it, I doubt it would have ...
by Turbo29
Mon Jun 10, 2019 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for rent is throwing away money...myth?
Replies: 302
Views: 18735

Re: Paying for rent is throwing away money...myth?

If I understand the forum's sentiments correctly: It's not ok to lease a car over the long term (let's say 30 years) but it IS ok to lease a house over the long term (let's say 30 years, especially in the same city)? Something tells me there's maybe some bias affecting responses. There's actually m...
by Turbo29
Mon Jun 10, 2019 1:41 pm
Forum: Personal Consumer Issues
Topic: Anyone familiar with driving from Disneyland area to Tucson, Az?
Replies: 39
Views: 2021

Re: Anyone familiar with driving from Disneyland area to Tucson, Az?

I laugh, it's going to be 108F today here in Phoenix. It's great, all the snowbirds left at the first sign of the 90s ("Heeeeelp me I'm meeeeeeelting"), all the idiots are off the roads now. I'm in Arizona and have to disagree. Not all the idiot are off the roads; we have plenty that live here year...
by Turbo29
Mon Jun 10, 2019 12:57 pm
Forum: Personal Consumer Issues
Topic: Do you drive old cars for long distance travels?
Replies: 105
Views: 6980

Re: Do you drive old cars for long distance travels?

Yet the average age of the North American airline fleet is 14yr. Don't see a lot of worry about that.
by Turbo29
Mon Jun 10, 2019 11:02 am
Forum: Personal Consumer Issues
Topic: Anyone familiar with driving from Disneyland area to Tucson, Az?
Replies: 39
Views: 2021

Re: Anyone familiar with driving from Disneyland area to Tucson, Az?

HI all, thank you. On second thought, we may end up not doing this drive to Tucson because I see that the average temps for late September are still around mid 90s there. Our 3yr old does not enjoy those temps (neither do we). So...that means we will probably stay in the LA area. Not sure this is a...
by Turbo29
Mon Jun 10, 2019 10:51 am
Forum: Investing - Theory, News & General
Topic: Investing Techniques For People Approaching Retirement In This Aging Bull Market
Replies: 35
Views: 5249

Re: Investing Techniques For People Approaching Retirement In This Aging Bull Market

CurlyDave wrote:
Mon Jun 10, 2019 2:42 am


And, yes I have looked up "flash crashes". They are rare. I am willing to take the chance with a couple years worth of expenses.
As with anything reading about it and experiencing it are two different things. I had a position in SPY with a stop in 2010. Never again.
by Turbo29
Sun Jun 09, 2019 8:52 pm
Forum: Personal Consumer Issues
Topic: Gillette Fusion razors
Replies: 57
Views: 4899

Re: Gillette Fusion razors

drzzzzz wrote:
Sun Jun 09, 2019 7:37 pm
Do folks use shaving cream or gel or something else with their razors? I find the cream/gel to me seems to clog the fusion blades or are more difficult to wash out.
I actually use shaving soap with a brush.
by Turbo29
Sun Jun 09, 2019 6:05 pm
Forum: Personal Consumer Issues
Topic: Gillette Fusion razors
Replies: 57
Views: 4899

Re: Gillette Fusion razors

I like Harry's. Reasonable cost and close shave. I am a fast shaver, and I'm not sure how forgiving a DE razor is for someone who rushes through their shaves; anyone have any insight on that? I rush with a DE razor and rarely cut myself. About the same as when I used multiblade razors. Buy a pack o...
by Turbo29
Sun Jun 09, 2019 10:47 am
Forum: Personal Finance (Not Investing)
Topic: W/O comp and collision, how does reimbursement from a not at fault accident work?
Replies: 20
Views: 1252

Re: W/O comp and collision, how does reimbursement from a not at fault accident work?

Many people think of "my insurance" as an advocate for me. I don't think that is right. My insurance pays under the terms of my policy, and has the right to recover (subrogate). Attorneys are advocate, insurance companies are not. Your insurance company is an advocate for themselves. Sometimes, if ...
by Turbo29
Sun Jun 09, 2019 10:44 am
Forum: Personal Finance (Not Investing)
Topic: W/O comp and collision, how does reimbursement from a not at fault accident work?
Replies: 20
Views: 1252

Re: W/O comp and collision, how does reimbursement from a not at fault accident work?

If the other driver doesn’t have insurance, then you could sue, small claims court if relatively low damage, regular court otherwise. But unless they have no insurance due to extenuating circumstances [ forgot to mail check, etc) most likely they have no money, so even if you win good luck getting ...
by Turbo29
Fri Jun 07, 2019 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: Suggestions on fraudulent medical bill
Replies: 88
Views: 6085

Re: Suggestions on fraudulent medical bill

I had a cortisone shot coded on my doctor visit bill once. I contacted the office several times and told them I received no injection of any kind during my visit but could never get it removed. I never had mis-billing at that office prior nor since. I have finally come to believe it was just a mista...
by Turbo29
Mon Jun 03, 2019 11:24 am
Forum: Personal Consumer Issues
Topic: Anyone familiar with driving from Disneyland area to Tucson, Az?
Replies: 39
Views: 2021

Re: Anyone familiar with driving from Disneyland area to Tucson, Az?

Might consider going to San Diego from Anaheim and then taking I-8, which will bypass Phoenix. It will be a little more distance but might be less time due to avoiding LA traffic and Phoenix traffic. Instead of more northerly routes that are very hot, this is even hotter. But possibly easier. There...
by Turbo29
Mon Jun 03, 2019 10:42 am
Forum: Personal Consumer Issues
Topic: Anyone familiar with driving from Disneyland area to Tucson, Az?
Replies: 39
Views: 2021

Re: Anyone familiar with driving from Disneyland area to Tucson, Az?

Might consider going to San Diego from Anaheim and then taking I-8, which will bypass Phoenix. It will be a little more distance but might be less time due to avoiding LA traffic and Phoenix traffic.
by Turbo29
Sun May 26, 2019 7:50 pm
Forum: Personal Consumer Issues
Topic: Central AC not Working Properly?
Replies: 37
Views: 2327

Re: Central AC not Working Properly?

I didn’t think you could just replace Freon (R-22)with Puron (R410-A), and I found this info on an HVAC website: “You cannot just switch refrigerants because R410-A and R-22 have different chemical properties. R410-A operates at a higher pressure. If you put R410-A into an R-22 system, the parts wi...
by Turbo29
Sun May 26, 2019 3:14 pm
Forum: Personal Consumer Issues
Topic: Should I replace my AC?
Replies: 27
Views: 2266

Re: Should I replace my AC?

I had to have them as a condition of a 10yr vs a 5yr warranty on the unit (parts and labor). That's interesting because when we replaced our a/c a few years ago I asked the salesman if we had to have annual inspections to maintain the ten year warranty and he said no. For mine it so states right in...
by Turbo29
Sat May 25, 2019 9:39 pm
Forum: Personal Consumer Issues
Topic: Should I replace my AC?
Replies: 27
Views: 2266

Re: Should I replace my AC?

Just had my annual HVAC inspection... Jumping in here with a related question - is an annual a/c inspection of any value if the unit is working as expected? What would need servicing? I had to have them as a condition of a 10yr vs a 5yr warranty on the unit (parts and labor). From what I have seen ...
by Turbo29
Sat May 25, 2019 9:34 pm
Forum: Personal Consumer Issues
Topic: What has changed in new home construction over the years?
Replies: 49
Views: 6079

Re: What has changed in new home construction over the years?

I bought I new home in a subdivision; as we have expansive soil in many areas here, my builder used post-tension slabs. Across the street a year later, another builder built homes with conventional slabs, which are cheaper.

If the soil heaves, I know which homes will function better.
by Turbo29
Sat May 25, 2019 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Will my checks work?
Replies: 26
Views: 1862

Re: Will my checks work?

I am still using checks from Washington Mutual, which collapsed in 2008 and was taken over by Chase. They work fine. I do cross out the old address on them with a black marker. I'm not worried that Chase will stop honoring them even thought it's been over 10 years. Chase not only took over the insti...
by Turbo29
Mon May 20, 2019 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Chase "You Invest" balance count for checking fees?
Replies: 7
Views: 765

Chase "You Invest" balance count for checking fees?

I have a regular Chase checking account which requires either a $1500 minimum balance or a "An average beginning day balance of $5,000 or more in ny combination of this account and linked qualifying Chase checking, savings and other balances." As I derive value in having a local brick and mortar ban...
by Turbo29
Mon May 20, 2019 12:35 pm
Forum: Personal Consumer Issues
Topic: Class action law suits
Replies: 52
Views: 5464

Re: Class action law suits

I did get $10 once for a pair of athletic shoes purchased for $99. Not a bad return on signing up. But my big win was the VW Diesel. (For those of you who may not be familiar Google "VW diesel scandal.") For a 2009 VW purchased for $22K in 2009 I got back $15K in late 2016. It was a buyback and the ...
by Turbo29
Sun May 19, 2019 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: New Car in Texas or Illinois
Replies: 10
Views: 1065

Re: New Car in Texas or Illinois

I'm guessing that the average car you see in Central Texas probably wouldn't even be street legal in California due to how dark the windows are tinted. My car is (I live in AZ) is technically illegal when i drive it 200 miles west and cross the CA border. Never been bothered. Anecdotally, I have he...
by Turbo29
Sun May 19, 2019 1:15 pm
Forum: Personal Consumer Issues
Topic: new roof
Replies: 34
Views: 3183

Re: new roof

Thanks, I will. I have called several roofing companies, some more than once, and got no answer. I am sure they are still in business. I talked to one that said they'd call me back in 6-8 weeks to schedule an appointment. I have two estimate appointments next week. Would like at least one more, may...
by Turbo29
Sun May 19, 2019 10:11 am
Forum: Personal Finance (Not Investing)
Topic: At what NW do I have disposable income?
Replies: 85
Views: 5976

Re: At what NW do I have disposable income?

B4Xt3r wrote:
Sun May 19, 2019 7:18 am
I haven't assumed that, but I do understand what you wrote. It should also be restarted that I'm not holding this position until FI, but rather just until I won't have to eat cat-food for the rest of my life, lol.
And if you do, you want it to be Fancy Feast instead of regular Friskies.
by Turbo29
Sat May 18, 2019 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: At what NW do I have disposable income?
Replies: 85
Views: 5976

Re: At what NW do I have disposable income?

I'm unsure I agree. In this moment I would say that, until you can also meet these basic needs (shelter, food, etc.) in retirement, you do not have fully disposable income. People on this forum are often worried about poverty in their retirement. And so they live very frugally and save a lot for re...
by Turbo29
Sat May 18, 2019 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage in Retirement
Replies: 73
Views: 5616

Re: Mortgage in Retirement

What if one lives in a non-recourse state?
by Turbo29
Fri May 17, 2019 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: My solar investment experience
Replies: 100
Views: 8713

Re: My solar investment experience

I live in sunny Arizona and this does not make financial sense as I am in "SRP" territory (local power company) and they jack up the rates for solar customers with peak charges. I've tried 3 times, but each time the calculation ends up with me paying more with solar than without. Mind boggling. Wha...
by Turbo29
Tue May 14, 2019 9:50 pm
Forum: Personal Investments
Topic: Does your retirement plan work if stocks are flat or in decline for decades?
Replies: 180
Views: 10471

Re: Does your retirement plan work if stocks are flat or in decline for decades?

If you assume worst case scenarios then there are many other things that you could worry about: Insolvent FDIC or social security, black Mondays after black Mondays, massive weather-related events, new wars, etc. I try to make decisions based on the information I currently have. TravelforFun Let’s ...
by Turbo29
Mon May 13, 2019 11:08 am
Forum: Personal Consumer Issues
Topic: Car lost acceleration
Replies: 111
Views: 6060

Re: Car lost acceleration

<r><QUOTE author="andypanda" post_id="4541287" time="1557749147" user_id="126967"><s>[quote=andypanda post_id=4541287 time=1557749147 user_id=126967]</s> "The ECU learns about your engine as you drive your car. It uses what it learns to track the changes in the sensors on your engines and monitors i...
by Turbo29
Mon May 13, 2019 11:03 am
Forum: Personal Consumer Issues
Topic: Single People and Retirement Question
Replies: 124
Views: 17466

Re: Single People and Retirement Question

While I have a good marriage, there are many people in marriages that are technically functional but not great. They stay together because things aren't terrible and who wants to go through a divorce. But that doesn't mean they're happy together, and they would probably be a lot happier if they wer...
by Turbo29
Sat May 11, 2019 10:12 pm
Forum: Personal Consumer Issues
Topic: Recycling Different Plastics
Replies: 63
Views: 3347

Re: Recycling Different Plastics

I like peanut butter and buy a lot of it. The plastic jars are labeled "1", so they are recyclable but must be cleaned first. I throw them in the trash. I live in the desert so if someone here can explain to me how washing them with water pumped uphill from the Colorado River (which must be heated t...
by Turbo29
Fri May 10, 2019 11:50 pm
Forum: Personal Consumer Issues
Topic: 256 Gbytes for IPhone! How much further?
Replies: 29
Views: 2108

Re: 256 Gbytes for IPhone! How much further?

See how far we've come in 50yr or so. 8 bytes took up more space then than 8 gigabytes does now.


Image
by Turbo29
Sun May 05, 2019 11:36 am
Forum: Investing - Theory, News & General
Topic: What worst case scenario should bonds cover?
Replies: 47
Views: 2404

Re: What worst case scenario should bonds cover?

while assuming a functioning society, financial system, and governance. Bonds should not cover situations of prolonged warfare, martial law, breakdown of society, hyperinflation. In the latter situations, the best investments may be in things like water, food, medical supplies, gold, brass, and lea...
by Turbo29
Sun May 05, 2019 8:41 am
Forum: Personal Consumer Issues
Topic: Canadian Pharmacies
Replies: 27
Views: 2392

Re: Canadian Pharmacies

I would never use a debit card, e-check or especially an ACH transfer for ANY online purchase even if they were located on my street, let alone another country. I have a free (no monthly charge, no min. balance) checking account at a local bank. I keep $200 in it. Only use it for ACH transactions f...