Search found 2738 matches

by texasdiver
Thu Dec 13, 2018 8:42 pm
Forum: Personal Consumer Issues
Topic: Easy app for slideshows over TV?
Replies: 4
Views: 177

Re: Easy app for slideshows over TV?

OnceARunner wrote:
Thu Dec 13, 2018 8:28 pm
Photos app on the iPad has an easy slideshow function that you can project to the appletv through AirPlay.
Actually that looks like it will work well enough for my use. Thanks! Will save a ton of time.

Looks like that feature is only on the iPad and not the iPhone.
by texasdiver
Thu Dec 13, 2018 8:18 pm
Forum: Personal Consumer Issues
Topic: Easy app for slideshows over TV?
Replies: 4
Views: 177

Easy app for slideshows over TV?

We've got at least 3 different devices that will allow me to cast from computer or phone to my TV. I have an older Apple TV, I have a Google Chromecast, and I have a Samsung Smart TV that will also interact with my phone or iPad. What I'm looking for is a simple but elegant app for the iPad or for m...
by texasdiver
Thu Dec 13, 2018 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Setting Up Accounts For Minors
Replies: 20
Views: 948

Re: Setting Up Accounts For Minors

I am using USAA for both my personal and my kid's youth checking and savings accounts. It works extremely well. I have a USAA checking account that is my primary checking account used for direct payroll deposits and all of my wife and my checking needs. I have 3 daughters. For each of them I have se...
by texasdiver
Sat Dec 08, 2018 11:59 pm
Forum: Personal Finance (Not Investing)
Topic: Teachers Who Have Net Worth of $1 million +
Replies: 137
Views: 18504

Re: Teachers Who Have Net Worth of $1 million +

After 12 years of a second career in education my guess is that very few teachers have a net worth of $1 million unless you do tortured calculations to include social security and pensions into that net worth. The exception, of course, is married teachers who have a higher paid professional spouse. ...
by texasdiver
Sat Dec 08, 2018 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: HSA recordkeeping question (old receipts)
Replies: 9
Views: 790

Re: HSA recordkeeping question (old receipts)

Not trying to commit fraud here. I'm trying to reconstruct some old records to figure out how many unclaimed bills we may have. This is from 2007. We had a self-funded HSA through my wife's employer first. The my employer started funding medical FSAs for employees with unused portions of their medic...
by texasdiver
Fri Dec 07, 2018 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: HSA recordkeeping question (old receipts)
Replies: 9
Views: 790

HSA recordkeeping question (old receipts)

I'm organizing and purging my financial records this month. I have discovered an old folder with a bunch of 10+ year old medical bills including some minor elective surgeries and orthodontist work for a daughter. We've had FSAs with 2 different employers and 3 different HSAs over the years and I don...
by texasdiver
Fri Dec 07, 2018 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: HSA - How long is a doctor's note valid?
Replies: 9
Views: 1516

Re: HSA - How long is a doctor's note valid?

I want to piggy back off this thread - my dad has a couple of claims on his FSA, but was denied due to incomplete documentation. His doc literally wrote a paper prescription w/ his name/DOB/device requested (in this case air purifier/HEPA filter). What would would as a "sufficient/valid" doctor's n...
by texasdiver
Thu Dec 06, 2018 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Climate Concerns re: small Jersey Shore Vacation Home
Replies: 54
Views: 2932

Re: Climate Concerns re: small Jersey Shore Vacation Home

I would most definitely NOT assume that potential increased insurance costs or potential environmental damage due to storms or rising sea levels have been priced into the market. Real estate is not at all like the stock market and there is a lot of institutional, individual, and commercial denial ab...
by texasdiver
Wed Dec 05, 2018 5:13 pm
Forum: Personal Consumer Issues
Topic: Why is Costco gas so much cheaper
Replies: 117
Views: 10093

Re: Why is Costco gas so much cheaper

If you are using the Costco VISA you also get 4% cash back on all Costco gas purchases which has the effect of chopping an additional $0.12 off the price for $3/gallon gas. You don't always get the cash back at stations other than Costco. Depends on the location so if you want to be sure you are ge...
by texasdiver
Wed Dec 05, 2018 1:11 pm
Forum: Personal Consumer Issues
Topic: Is this normal for an HOA?
Replies: 95
Views: 8572

Re: Is this normal for an HOA?

This is not normal in my experience. I'm in my 3rd HOA and none of them have asked for anything more than basic contact information. The current one has a management company with a web site that you use to log into in order to set up your account for auto-pay of monthly fees, just like any utility. ...
by texasdiver
Wed Dec 05, 2018 12:59 pm
Forum: Personal Consumer Issues
Topic: declining employer benefits?
Replies: 36
Views: 3971

Re: declining employer benefits?

I have been declining employer-provided insurance from my school districts (I'm a teacher) for the past 15 years because I'm married to a physician who gets better family coverage through her HMO employer. The first district I worked at had a set amount of about $400 a month that was the district's ...
by texasdiver
Wed Dec 05, 2018 12:43 pm
Forum: Personal Consumer Issues
Topic: Dishwasher stopped working well
Replies: 16
Views: 1468

Re: Dishwasher stopped working well

YouTube is your go-to source for appliance repair and maintenance. There is an incredible wealth of information there. This was one of the first results when I googled "cleaning a Bosch dishwasher YouTube" https://www.youtube.com/watch?v=ktx8Ey4Uflc There are tons more dishwasher maintenance and rep...
by texasdiver
Wed Dec 05, 2018 12:27 pm
Forum: Investing - Theory, News & General
Topic: Edward Jones a Review and Analysis: Can Edward Jones be Used for a Boglehead Three Fund Portfolio?
Replies: 36
Views: 3561

Re: Edward Jones a Review and Analysis: Can Edward Jones be Used for a Boglehead Three Fund Portfolio?

Run a 40-year investment returns analysis of Edward Jones vs Vanguard for you 3-fund porfolio, taking into account the difference in fees. If you are contibuting 10k annually and getting 7% returns, the cost of a 1% fee will be $560,000 over a 40-year investment period. Increase the fee difference t...
by texasdiver
Wed Dec 05, 2018 10:06 am
Forum: Investing - Theory, News & General
Topic: Big endowments don't beat simple 60/40 over 10 yrs.
Replies: 25
Views: 3183

Re: Big endowments don't beat simple 60/40 over 10 yrs.

Why wasn't this quote the one that made the headline? The news wasn’t all bad for the Ivy endowments. Though the endowments didn’t beat a plain-vanilla portfolio over ten years, they did outpace it when looked at over the most recent 15-year period on an annualized basis. Good point,, but the next ...
by texasdiver
Tue Dec 04, 2018 11:43 pm
Forum: Investing - Theory, News & General
Topic: Big endowments don't beat simple 60/40 over 10 yrs.
Replies: 25
Views: 3183

Re: Big endowments don't beat simple 60/40 over 10 yrs.

Why wasn't this quote the one that made the headline? The news wasn’t all bad for the Ivy endowments. Though the endowments didn’t beat a plain-vanilla portfolio over ten years, they did outpace it when looked at over the most recent 15-year period on an annualized basis. Good point,, but the next ...
by texasdiver
Sun Dec 02, 2018 3:58 pm
Forum: Personal Consumer Issues
Topic: New Homeowner in Retirement/Travel Concerns
Replies: 16
Views: 2098

Re: New Homeowner in Retirement/Travel Concerns

If it were me and I was looking for a retirement home to serve as a base for extended long-travel I would most certainly look for some sort of condo or town home type of place that has very minimal or no outdoor maintenance. I would also look into finding a local property manager to maintain and pos...
by texasdiver
Sun Dec 02, 2018 3:40 pm
Forum: Personal Consumer Issues
Topic: Best values at Costco? Honestly, a little disappointed...
Replies: 156
Views: 17017

Re: Best values at Costco? Honestly, a little disappointed...

I've been shopping at Costco since the mid 1990s when they were just a regional chain. My experience is a follows: Costco house brand (Kirkland Signature) is almost always going to be cheaper than comparable store brands or name brands elsewhere. However Costco bulk sales of name brand items aren't ...
by texasdiver
Sun Dec 02, 2018 2:56 pm
Forum: Investing - Theory, News & General
Topic: "The Steak Dinner Annuity Pitch"
Replies: 60
Views: 7165

Re: "The Steak Dinner Annuity Pitch"

This notion that people who attend these steak dinners without intending to buy are somehow "cheating" the salesman is ridiculous. I, for one, don't eat red meat anyway so these events don't interest me. Life is too short to deal with this sort of aggrevation and I tend to follow Nisiprius' advice. ...
by texasdiver
Sat Dec 01, 2018 8:52 pm
Forum: Personal Consumer Issues
Topic: Why is Costco gas so much cheaper
Replies: 117
Views: 10093

Re: Why is Costco gas so much cheaper

tennisplyr wrote:
Sat Dec 01, 2018 8:36 pm
Where I live Costco's price is maybe 10 cents lower than other major brands. Costco has almost 100 million members times their membership fee = beaucoup bucks.
$60 membership fee x 100 million members = $6 billion.
by texasdiver
Sat Dec 01, 2018 7:59 pm
Forum: Personal Consumer Issues
Topic: Max resolution for laptop external monitor?
Replies: 9
Views: 565

Re: Max resolution for laptop external monitor?

I have been waiting to upgrade my monitor for an OLED solution. I could buy a small TV and use that as a monitor, but that does not sound like the ideal solution. Does anybody know when OLED monitors will be generally available? Ralph Can I ask why you think you need OLED? The existing high quality...
by texasdiver
Sat Dec 01, 2018 7:52 pm
Forum: Investing - Theory, News & General
Topic: What's the best web site for generating returns graphs?
Replies: 3
Views: 489

Re: What's the best web site for generating returns graphs?

Frequently in this forum I see people producing beautiful graphs that show comparisons of various funds against benchmarks for specific time periods. Is there some best go-to web site that you guys use to do these sorts of quick comparisons? If not, how do you guys generate these graphs? Say I want...
by texasdiver
Sat Dec 01, 2018 7:10 pm
Forum: Personal Consumer Issues
Topic: Why is Costco gas so much cheaper
Replies: 117
Views: 10093

Re: Why is Costco gas so much cheaper

Here in Vancouver WA, Costco generally runs about $0.05 cheaper than its closest competition which is Fred Meyer (a regional Grocery chain) and up to $0.70 cheaper than the assorted gas stations and mini-marts depending on location. The ones closest to highway interchanges with no competition seem ...
by texasdiver
Sat Dec 01, 2018 3:22 pm
Forum: Investing - Theory, News & General
Topic: What's the best web site for generating returns graphs?
Replies: 3
Views: 489

What's the best web site for generating returns graphs?

Frequently in this forum I see people producing beautiful graphs that show comparisons of various funds against benchmarks for specific time periods. Is there some best go-to web site that you guys use to do these sorts of quick comparisons? If not, how do you guys generate these graphs? Say I want ...
by texasdiver
Sat Dec 01, 2018 2:58 pm
Forum: Personal Consumer Issues
Topic: Why is Costco gas so much cheaper
Replies: 117
Views: 10093

Re: Why is Costco gas so much cheaper

Here in Vancouver WA, Costco generally runs about $0.05 cheaper than its closest competition which is Fred Meyer (a regional Grocery chain) and up to $0.70 cheaper than the assorted gas stations and mini-marts depending on location. The ones closest to highway interchanges with no competition seem t...
by texasdiver
Sat Dec 01, 2018 2:01 pm
Forum: Personal Consumer Issues
Topic: Max resolution for laptop external monitor?
Replies: 9
Views: 565

Re: Max resolution for laptop external monitor?

With the integrated graphics processors, Intel doesn't maintain much separate documentation of the graphics capabilities from the processor. So the thing to do is look up your CPU model in device manager, rather than the display adapter, then do a web search for that model (eg: i5-5200u). You shoul...
by texasdiver
Sat Dec 01, 2018 1:54 pm
Forum: Personal Consumer Issues
Topic: Max resolution for laptop external monitor?
Replies: 9
Views: 565

Re: Max resolution for laptop external monitor?

With the integrated graphics processors, Intel doesn't maintain much separate documentation of the graphics capabilities from the processor. So the thing to do is look up your CPU model in device manager, rather than the display adapter, then do a web search for that model (eg: i5-5200u). You shoul...
by texasdiver
Sat Dec 01, 2018 1:12 pm
Forum: Personal Consumer Issues
Topic: Max resolution for laptop external monitor?
Replies: 9
Views: 565

Max resolution for laptop external monitor?

My wife wants me to set up an external monitor to use at home with her work-issued laptop. I can't find any documentation online that says how large of an external monitor this laptop will drive. The laptop is an HP Elitebook 840 running Windows 7 Pro. It has a DisplayPort output and in the Device M...
by texasdiver
Fri Nov 30, 2018 4:32 pm
Forum: Personal Consumer Issues
Topic: Vacation for single parent and 2 teens: Belize or where?
Replies: 29
Views: 2309

Re: Vacation for single parent and 2 teens: Belize or where?

Thank you! This is all great info! A couple of more pieces of info about our family just in case anyone wants to throw in more opinions about what would be best for us. I am reading all the links, but overthink this as we can't often afford to do this kind of vacation, so I want it to be good. Kids...
by texasdiver
Thu Nov 29, 2018 9:01 pm
Forum: Personal Consumer Issues
Topic: Portable tabletop workstation ideas?
Replies: 1
Views: 231

Portable tabletop workstation ideas?

So we actually have 3 large workstation computer desks in the house but they are all upstairs in our home office area and mostly have been taken over by the kids for gaming, homework, and digital artwork. My wife spends a LOT of time on her work-issued HP laptop. But instead of going upstairs to the...
by texasdiver
Thu Nov 29, 2018 2:15 pm
Forum: Personal Consumer Issues
Topic: Why you might want to reconsider buying a vehicle with direct fuel injection
Replies: 48
Views: 4206

Re: Why you might want to reconsider buying a vehicle with direct fuel injection

My Toyota Sienna has a direct injection engine. Got 290,000 miles on it and have never once "cleaned the valves" In fact I've never done a single thing to the engine other than oil changes. The AC and lower control arms have needed replacing over the years but nothing with the engine. How the hell ...
by texasdiver
Wed Nov 28, 2018 5:31 pm
Forum: Personal Consumer Issues
Topic: Why you might want to reconsider buying a vehicle with direct fuel injection
Replies: 48
Views: 4206

Re: Why you might want to reconsider buying a vehicle with direct fuel injection

My Toyota Sienna has a direct injection engine. Got 290,000 miles on it and have never once "cleaned the valves" In fact I've never done a single thing to the engine other than oil changes. The AC and lower control arms have needed replacing over the years but nothing with the engine.
by texasdiver
Tue Nov 27, 2018 4:54 pm
Forum: Investing - Theory, News & General
Topic: Fisher Investments - Help a family member leave
Replies: 28
Views: 2764

Re: Fisher Investments - Help a family member leave

I happen to live in Camas WA a few blocks from the Fisher Headquarters. This is suburban Portland by the way, we are 20 minutes from downtown Portland when there's no traffic. They moved up here from CA a few years ago to take advantage of Washington's regressive tax structure (all sales tax, no inc...
by texasdiver
Sun Nov 25, 2018 1:13 pm
Forum: Personal Consumer Issues
Topic: Vacation for single parent and 2 teens: Belize or where?
Replies: 29
Views: 2309

Re: Vacation for single parent and 2 teens: Belize or where?

Costa Rica. You don't say which city you are flying out of but Alaska Airlines has direct flights to San Jose and Liberia from PDX. The plane stops at LAX so it isn't a nonstop but you stay on the same plane so no connection to make. My wife and I have taken our similar age kids to Costa Rica severa...
by texasdiver
Tue Nov 13, 2018 1:33 am
Forum: Personal Consumer Issues
Topic: Best city car
Replies: 20
Views: 2013

Re: Best city car

Thanks all for suggestions .. Lots of fans for Mazda 3 - I am going to give it serious look. I am leaning towards getting a Prius - great milage, and comfortable seating as you mentioned. Although 2019 Camry Hybrid has similar milage albeit at higher price. I have looked at electric, but the though...
by texasdiver
Mon Nov 12, 2018 12:21 pm
Forum: Personal Consumer Issues
Topic: Best city car
Replies: 20
Views: 2013

Re: Best city car

Important question. Do you have your own parking or garage with power? If so, I'd take a very hard look at electric cars, especially if you don't do long out of town road trips. If it is going to be your only car and you need to drive 250 miles to grandma's house on a frequent basis maybe not. Other...
by texasdiver
Mon Nov 12, 2018 12:15 pm
Forum: Personal Consumer Issues
Topic: 30" or 36" induction range for remodel?
Replies: 36
Views: 2327

Re: 30" or 36" induction range for remodel?

I would put in separates. You don't really lose much space if at all because the space under the cooktop is available for pots and pans storage. Then put in a double wall oven, or a oven/microwave combo. Also makes it nicer for big group cooking projects like Thanksgiving because your cooktop and ov...
by texasdiver
Sun Nov 11, 2018 5:49 pm
Forum: Personal Consumer Issues
Topic: Help! yet aother PPO vs HDHP plan
Replies: 12
Views: 1121

Re: Help! yet aother PPO vs HDHP plan

What are your co-pays in the PPO plan? We have a similar choice between HDHP and non-HDHP plans. The HDHP plan has no co-pays because you are paying for everything up to the deductible The non-HDHP plan had $25-50 co-pays for different categories of appointments up to the annual deductible after whi...
by texasdiver
Fri Nov 09, 2018 7:54 pm
Forum: Personal Consumer Issues
Topic: Paper or Paperless? How and what financial records do you keep?
Replies: 50
Views: 3687

Re: Paper or Paperless? How and what financial records do you keep?

We're all hosed if .pdf format becomes obsolete. I'm kind of joking and kind of not. Something I do think about. VHS anybody? Agree that would be a pain. But PDF has become so widely used for so long that I can't imagine that when something better comes along there won't be a long period where the ...
by texasdiver
Thu Nov 08, 2018 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: high deductible vs. PPO calculation--high deductible always wins?
Replies: 35
Views: 3117

Re: high deductible vs. PPO calculation--high deductible always wins?

If I get a non-HDHP plan, I will be eligible for an FSA. I have never had an FSA before. My experience is that switching companies with an HSA can be a good thing since any company seed money is generally frontloaded, so switching companies means you may be able to double-dip seed money from both c...
by texasdiver
Thu Nov 08, 2018 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Financial coaching - license / certificate?
Replies: 6
Views: 582

Re: Financial coaching - license / certificate?

Turn the question around. If you were shopping for a financial coach and planning to spend a meaningful amount of money for that advice, what qualificiations would you look for? And what combinations of qualifications and experience would you use to distinguish between potential candidates? If I wer...
by texasdiver
Thu Nov 08, 2018 12:04 pm
Forum: Personal Consumer Issues
Topic: Favorite "free stuff"?
Replies: 137
Views: 10891

Re: Favorite "free stuff"?

Libraries
Local parks and trails
Concerts in the park
First Fridays gallery walks and art in my town
Oregon beaches (compared to some east coast areas where you pay)
by texasdiver
Tue Nov 06, 2018 5:12 pm
Forum: Personal Consumer Issues
Topic: Paper or Paperless? How and what financial records do you keep?
Replies: 50
Views: 3687

Re: Paper or Paperless? How and what financial records do you keep?

I confess that I have a filing cabinet full of paper income tax returns dating back over thirty years. It's been my plan to scan all these into PDFs, but I've somehow never gotten around to it . I keep other financial records (statements, check registers, etc) as PDFs on a separate USB memory stick...
by texasdiver
Tue Nov 06, 2018 1:24 pm
Forum: Personal Consumer Issues
Topic: Paper or Paperless? How and what financial records do you keep?
Replies: 50
Views: 3687

Paper or Paperless? How and what financial records do you keep?

I'm the kind of person who stores every paper bank, credit card, mortgage, investment, and pay statement and then files them away in annual financial folders by year. For what purpose I'm not exactly sure but I have folders of records going back 25 years. I have all of the same information in Quicke...
by texasdiver
Tue Nov 06, 2018 10:06 am
Forum: Personal Finance (Not Investing)
Topic: high deductible vs. PPO calculation--high deductible always wins?
Replies: 35
Views: 3117

Re: high deductible vs. PPO calculation--high deductible always wins?

The actuaries who do the math aren’t stupid. The prices are based on the insurance company’s actual risk. +1 Actuaries work for the insurance company and don’t take into account incentives the federal government may offer to individuals to opt for a HDHP with HSA over a PPO. If someone will contrib...
by texasdiver
Mon Nov 05, 2018 10:53 pm
Forum: Personal Consumer Issues
Topic: retirement travel: RVs vs fly/drive/hotel
Replies: 98
Views: 9342

Re: retirement travel: RVs vs fly/drive/hotel

I have heard some analysis that you could actually travel by car, stay at medium level hotels such as Holiday Express, Springhill Suites, etc and still come out well ahead on an annual basis over an RV, but that would depend on whether taking a two week vacation vs months for sure. The idea of VRBO...
by texasdiver
Mon Nov 05, 2018 10:42 pm
Forum: Personal Consumer Issues
Topic: retirement travel: RVs vs fly/drive/hotel
Replies: 98
Views: 9342

Re: retirement travel: RVs vs fly/drive/hotel

Speaking of big RV shows, they seem to come to my area every three or four months, but the local RV/trailer dealers (there are several large ones) all seem to have a huge inventory of new vehicles on their lots. I often wonder how much of capital is tied up in that inventory and how many they can p...
by texasdiver
Mon Nov 05, 2018 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Dependent Care FSA Question
Replies: 10
Views: 929

Re: Dependent Care FSA Question

Hello, We have our son who is going to daycare now. He spends 8 hours at daycare while my wife and I go to work. Next year I'm thinking about signing up for Dependent Care FSA. What information do I need from daycare? Do I need Tax ID/SS#/EIN? Or just the receipt is sufficient? Thanks in advance! D...
by texasdiver
Mon Nov 05, 2018 4:24 pm
Forum: Personal Consumer Issues
Topic: Post FiRE job...teaching??
Replies: 33
Views: 3975

Re: Post FiRE job...teaching??

you think teaching HS (or younger) will be EASIER then college courses? lol Biggest chuckle of the day. From what I hear from my daughter who has been teaching at a high school for close to 15 years, teaching high schoolers is a very trying experience. You might want to teach at a place where the s...
by texasdiver
Mon Nov 05, 2018 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: high deductible vs. PPO calculation--high deductible always wins?
Replies: 35
Views: 3117

Re: high deductible vs. PPO calculation--high deductible always wins?

My numbers are way different than yours for our choice between a HDHP plan and our normal no-deductible plan. My wife works for Kaiser and both plan choices are from Kaiser so the numbers are a lot different. But the conclusions are essentially the same. There is no level of spending for us in which...
by texasdiver
Sun Nov 04, 2018 11:27 pm
Forum: Personal Finance (Not Investing)
Topic: Dependent Care FSA Question
Replies: 10
Views: 929

Re: Dependent Care FSA Question

Hello, We have our son who is going to daycare now. He spends 8 hours at daycare while my wife and I go to work. Next year I'm thinking about signing up for Dependent Care FSA. What information do I need from daycare? Do I need Tax ID/SS#/EIN? Or just the receipt is sufficient? Thanks in advance! D...