Search found 45 matches

by notBobToo
Fri Nov 06, 2020 10:25 am
Forum: Personal Consumer Issues
Topic: Neighbor Tree Trim Waiver Form?
Replies: 8
Views: 1204

Re: Neighbor Tree Trim Waiver Form?

runner3081 wrote: Fri Nov 06, 2020 8:26 am If concerned, why don't you be a good neighbor and hire someone of your choice to trim your branches that hang over the property line?
+1e6

However, I've learned the hard truth that such good neighbors are very hard to find.
by notBobToo
Tue Nov 03, 2020 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: HOA stopping my rental
Replies: 80
Views: 8137

Re: HOA stopping my rental

But for homes in nice locations renting actually increases the property value. Source for this, please? My experience, in two SFH neighborhoods, once rentals get a foothold, unless the HOA does something, they inevitably increase in coverage, and the neighborhood and property values stagnate or dec...
by notBobToo
Sun Nov 01, 2020 11:05 am
Forum: Personal Consumer Issues
Topic: Furnace Filters
Replies: 50
Views: 3661

Re: Furnace Filters

I've tried everything from 3M to Ace (house brand), and don't find much difference in brands.

For summer, I use a MERV 4; for winter, typically MERV 11 or 12. Change them every 60 - 90 days. 20x25x1
by notBobToo
Sat Oct 31, 2020 12:58 pm
Forum: Personal Consumer Issues
Topic: Are cheap all-in-one printers fine?
Replies: 28
Views: 2035

Re: Are cheap all-in-one printers fine?

+1 vote for mono all in one laser printer. I have a Brother MFC-L2710DW which prints seamlessly via wireless from all of our Apple devices (Mac mini, iPad, iPhones). Scanner feature works well too, from the built-in app on the Mac mini. The only thing I really miss is printing 8x10 and 4x6 color pho...
by notBobToo
Sat Oct 31, 2020 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Part D 2021
Replies: 13
Views: 1280

Medicare Part D 2021

I just went through the online plan comparison for both wife and I for 2021. I was a little surprised by the results. I wonder what other people are finding? Our 2020 plan is through WellCare. The premium is about 17.00 a month (each). Our out-of-pocket drug costs are zero when using the preferred p...
by notBobToo
Thu Oct 29, 2020 1:29 pm
Forum: Personal Consumer Issues
Topic: Silver Sneakers vs. Renew Active: Access to Gyms
Replies: 9
Views: 741

Re: Silver Sneakers vs. Renew Active: Access to Gyms

Silver Sneakers (AARP UHC), in my prior location, covered many, many fitness places, from 24 Hour Fitness to senior fitness classes at a community college (gym). Unfortunately, for some reason, where I am now, they (AARP UHC) don't offer Silver Sneakers.
by notBobToo
Wed Oct 28, 2020 12:51 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20708
Views: 2830100

Re: U.S. stocks in free fall

Climbing back up away from the abyss. I'm down 2% right now-- practically Soaring compared to an hour ago! Realistically we've got a few more weeks of this and I won't have any meaningful fresh powder until late November, so watching for my own amusement. "He's spent his powder!" (From Th...
by notBobToo
Tue Oct 27, 2020 5:49 pm
Forum: Personal Consumer Issues
Topic: Simplicity [Minimalist lifestyle]
Replies: 117
Views: 17792

Re: Simplicity [Minimalist lifestyle]

A story from a few decades ago ... I once worked on the WSSC account (water company for metro MD-DC-VA) for my (IT) company. Got to know a few of the system admin folks, some pretty good, over time. One day, the dba says to me, "Hey, I know your brother!" I say "Really, how? You live ...
by notBobToo
Thu Oct 22, 2020 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: Housing market and the economy
Replies: 21
Views: 1965

Re: Housing market and the economy

All RE is local and dependent on that location. While 2008 we saw a national downturn, many locations had a mild downturn and rebounded quickly. Other locations had deeper fall in values and took much longer to recover. People look at RE the wrong way, Residential RE for most people is a lifestyle,...
by notBobToo
Thu Oct 22, 2020 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Housing market and the economy
Replies: 21
Views: 1965

Re: Housing market and the economy

This could be a beginning a of long run up... call it it bubble... maybe in some areas... There are still areas that have not recovered from 2007... so keep that in mind some areas still look really cheap... But the supply has been eaten up... There's barely 100 homes for sale in my area... last ye...
by notBobToo
Thu Oct 22, 2020 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Housing market and the economy
Replies: 21
Views: 1965

Re: Housing market and the economy

I think we’re in a bubble. Most of the people who are buying now are people who already own homes. Few people who don’t already own can afford to get into the market right now. Also, we’re not seeing a ton of inventory because people’s mortgages are in forbearance. So no rush to sell if you’re unde...
by notBobToo
Thu Oct 22, 2020 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Housing market and the economy
Replies: 21
Views: 1965

Re: Housing market and the economy

You don't sound like you have real motivation to get a house to begin with, so why are you looking ? Just because that's what people do or do you feel you miss out on an investment opportunity ? The numbers in your area clearly seem to suggest that its not an investment right now (or not a good one...
by notBobToo
Thu Oct 22, 2020 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: Housing market and the economy
Replies: 21
Views: 1965

Re: Housing market and the economy

If you can get a favorable lease where you are now, why not continue to rent? There is nothing wrong with renting. It sounds like you’re in a nice location and unit. You will get many financial reasons and opinions on this forum that renting should be the default option. I guess it all comes down t...
by notBobToo
Thu Oct 22, 2020 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Housing market and the economy
Replies: 21
Views: 1965

Housing market and the economy

I was just reading the "Waited too long to buy a house - but starting to feel priced out..." thread. I didn't want to jump in that thread, but would like to ask about comments from that thread that lead to questions such as: Is it or is it not a Bubble? Who are all of these buyers? What's ...
by notBobToo
Sat Oct 10, 2020 11:42 am
Forum: Personal Finance (Not Investing)
Topic: How would you deal with this credit card issue?
Replies: 8
Views: 1623

Re: How would you deal with this credit card issue?

I don't know what caused this. However, having worked in IT at several banks, I I highly doubt that 1) the bank transposed a $9 transaction to 9 cents or 2) if you picked the amount of the credit card payment, even if it was not the correct balance, Wells Fargo changed that amount. Very strange to ...
by notBobToo
Fri Oct 09, 2020 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: How would you deal with this credit card issue?
Replies: 8
Views: 1623

Re: How would you deal with this credit card issue?

I can't believe that by simply adding an account for e-bill pay (NOT auto-pay), that I agreed to let Wells Fargo rummage around in my checking account at any time, doing any type of transaction. Do you have autopay set up from the WF side (maybe inadvertently)? I can see a card holder making a manu...
by notBobToo
Fri Oct 09, 2020 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: How would you deal with this credit card issue?
Replies: 8
Views: 1623

Re: How would you deal with this credit card issue?

Thanks; I just might file a complaint if for nothing more than to shine some light on the (apparently) practice of unauthorized withdrawals (and deposits). I can't believe that by simply adding an account for e-bill pay (NOT auto-pay), that I agreed to let Wells Fargo rummage around in my checking a...
by notBobToo
Thu Oct 08, 2020 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: How would you deal with this credit card issue?
Replies: 8
Views: 1623

How would you deal with this credit card issue?

Back in September I made a one-time payment of 756.56 from my online Wells Fargo account (after first adding a checking account for the bill pay). That amount was what I mistakenly believed was the balance of my account (more on that later). A couple of days later I saw the debit in my checking acco...
by notBobToo
Sat Sep 19, 2020 7:40 pm
Forum: Personal Consumer Issues
Topic: Relocation - CO considerations?
Replies: 66
Views: 5254

Re: Relocation - CO considerations?

Some points about the South Denver recommendations up thread ... 1. Littleton. Great little city. Nice downtown area, including restaurants, shopping, etc. and a small professional theater. Lots of activities throughout the year. Great public library, museum. Littleton Public Schools are very good. ...
by notBobToo
Fri Sep 18, 2020 4:08 pm
Forum: Personal Consumer Issues
Topic: Relocation - CO considerations?
Replies: 66
Views: 5254

Re: Relocation - CO considerations?

And if important to you ... Things actually DRY. For example, you can dry clothes on delicate and even if not 100% dry, hang them and they'll be perfectly dry in a few hours (towels on towel racks dry quickly, and so on). Chilled bottled and canned drinks won't sweat all over coasters, counters and ...
by notBobToo
Mon Sep 14, 2020 9:58 am
Forum: Personal Consumer Issues
Topic: Coping with Megacorp rat race
Replies: 168
Views: 16562

Re: Coping with Megacorp rat race

Having worked at a Megacorp for over 40 years, I always thought that if I had to do it over again, I would work like an [associate, intern, apprentice, dog, what have you] for five years, make as many contacts as I could, learn as much as I could (including having Megacorp pay for my Masters), and s...
by notBobToo
Sat Aug 29, 2020 10:19 am
Forum: Personal Consumer Issues
Topic: water softener for whole house?
Replies: 81
Views: 9961

Re: water softener for whole house?

I got the Fleck water softener system today. The cost of the system including shipping was $746. Though it took me three trips to the big box hardware stores to get the adapters and pipe, I finished installing it myself this afternoon, reportedly saving myself at least $800 in labor. It looks like ...
by notBobToo
Tue Aug 25, 2020 11:16 am
Forum: Personal Consumer Issues
Topic: What is the best concert you ever witnessed?
Replies: 434
Views: 32031

Re: What is the best concert you ever witnessed?

Well, I'm going way back and date myself ...

Led Zeppelin, May, 1969 at Merriweather Post Pavillion (Laurel/Columbia, Maryland). As the opening band for ... The Who.
by notBobToo
Wed Jul 29, 2020 8:57 am
Forum: Personal Consumer Issues
Topic: Middle of Nowhere Retirement
Replies: 108
Views: 12836

Re: Middle of Nowhere Retirement

I like the west...somewhere with forests... Eastern Washington and Idaho have some appeal, probably somewhere north of Boise in the trees, vs. west of Pullman in the wheat. There is some dry country in eastern Washington, with some interesting places to explore, but a more forested area might be be...
by notBobToo
Tue Jul 28, 2020 9:59 am
Forum: Personal Consumer Issues
Topic: subaru outback limited or audi 4 quattro?
Replies: 49
Views: 4215

Re: subaru outback limited or audi 4 quattro?

You're comparing the Subaru Outback to the Audi A4 Allroad, correct? (Not the A4 sedan.) Anyway, two very different vehicles. I mean, the Allroad starts at 44600, right? (And the Premium Plus, sort of apples-to-apples, starts at 47700.) Also, no way to compare an Outback to any German in terms of th...
by notBobToo
Fri Jul 17, 2020 12:52 pm
Forum: Personal Consumer Issues
Topic: Stainless steel appliance cleaner - need recommendation
Replies: 42
Views: 2088

Re: Stainless steel appliance cleaner - need recommendation

Also, be sure to use a damp microfiber cloth for the final wipe down and in-between cleanings. I found that on my stainless Bosch, except for grease or other tough stains, just water on a microfiber cloth got rid of all fingerprints and smudges. I buy microfiber cloths in the bulk package from Costco.
by notBobToo
Mon Jul 13, 2020 8:49 pm
Forum: Personal Consumer Issues
Topic: Are 55+ Communities a Baby Boomer Thing Only? If so, who will buy when Boomers want to sell?
Replies: 195
Views: 16871

Re: Are 55+ Communities a Baby Boomer Thing Only? If so, who will buy when Boomers want to sell?

My wife and I are in our late 50's, and we are seriously considering buying a house in a 55+ community in North Carolina to be closer to family. One concern we have is as follows: Let's say one day we decide to sell our age-restricted home when we are in our 70s or 80s...will there be any buyers ou...
by notBobToo
Sat Jul 11, 2020 10:24 am
Forum: Personal Consumer Issues
Topic: Desktop PC speakers, AC powered, <$100
Replies: 12
Views: 469

Re: Desktop PC speakers, AC powered, <$100

I recently purchased a pair of Bose Companion 2 Series III speakers (Amazon), 99 dollars.
by notBobToo
Sat Jul 11, 2020 10:05 am
Forum: Personal Consumer Issues
Topic: Amazon Delivery Issues-Any Ideas?
Replies: 39
Views: 1586

Re: Amazon Delivery Issues-Any Ideas?

I chalk it up to covid.

Most orders are delivered 7 to 10 days after the date given (Prime delivery), sometimes longer (one never arrived and after 30 days, I cancelled the order). Also, orders from Walmart are no different.

This is in a somewhat rural area of Maryland.
by notBobToo
Fri Jul 10, 2020 10:43 am
Forum: Personal Consumer Issues
Topic: Who has painted their own house?
Replies: 45
Views: 3824

Re: Who has painted their own house?

Maybe 20 years ago I roll/brush painted my two story (quad level) house. I rented a bucket, which was well worth the cost. (Although I think it was amusing to others in the cul-de-sac, including one neighbor who would anchor and tie a rope around his waist when he painted the upper reaches of his ho...
by notBobToo
Mon Jul 06, 2020 1:37 pm
Forum: Personal Consumer Issues
Topic: Some possible luxury SUV choices to buy: Opinions?
Replies: 210
Views: 17709

Re: Some possible luxury SUV choices to buy: Opinions?

Are you also having issues with the infotainment system, too? From what I've read, that's where many of the owner complaints stem from. No problems with the infotainment system. Apple car play works flawlessly. I used the radar cruise control on a cross county trip with no issues. The lane keep, bi...
by notBobToo
Thu Jul 02, 2020 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Too-frequent home insurance claims
Replies: 7
Views: 1090

Re: Too-frequent home insurance claims

Yes; when with SF about 15 years ago, my Jake gave me the same advise.

I have not heard that from my current carrier (Hartford). But then again, only one claim in that time.
by notBobToo
Thu Jul 02, 2020 12:49 pm
Forum: Personal Consumer Issues
Topic: Inexpensive Basic Microphone for Zoom
Replies: 15
Views: 1212

Re: Inexpensive Basic Microphone for Zoom

^^^
I got a Blue Snowflake to (USB) attach to my Mac mini. Works great. I just checked and it is now under Legacy, so the Snowball is probably the way to go.
by notBobToo
Sat Jun 06, 2020 2:44 pm
Forum: Personal Consumer Issues
Topic: GE Profile Refrigerator/Freezer vs Regular GE
Replies: 45
Views: 2752

Re: Better appliances

But truthfully, all appliances are pretty disposable now. I disagree. Sub-Zero for refrigerators. Excellent warranty. Expected life of 25+ years. Made in the USA. Miele for cooking, cleaning, vacuums. Made in Germany. Wolf for cooking. Made in the USA. I have experience with all of those brands and...
by notBobToo
Wed Jun 03, 2020 9:21 am
Forum: Personal Consumer Issues
Topic: When should I get a wheel alignment?
Replies: 42
Views: 2627

Re: When should I get a wheel alignment?

Many shops will do a free alignment check. Feel free to do that. Get a print out of the specs and the measured numbers. If the measured numbers are within the specs, you are done. Pull the machine off, drive the car off the rack and go home. +1 This is what I did after my last new set of four (Tire...
by notBobToo
Mon Jun 01, 2020 11:11 am
Forum: Personal Consumer Issues
Topic: Selling a house - should it be staged or left empty?
Replies: 48
Views: 4272

Re: Selling a house - should it be staged or left empty?

I'm in the stage camp. Late last year I sold my primary residence in a semi-hot (sales), MCOL area. Decluttered big time, some paint, professionally cleaned. Self staged (stored all personal pictures, other items). Listed near the top of the realtor recommended price. First weekend was wild, but no ...
by notBobToo
Thu May 21, 2020 9:02 am
Forum: Personal Consumer Issues
Topic: Some possible luxury SUV choices to buy: Opinions?
Replies: 210
Views: 17709

Re: Some possible luxury SUV choices to buy: Opinions?

Are you also having issues with the infotainment system, too? From what I've read, that's where many of the owner complaints stem from. No problems with the infotainment system. Apple car play works flawlessly. I used the radar cruise control on a cross county trip with no issues. The lane keep, bi...
by notBobToo
Wed May 20, 2020 7:13 pm
Forum: Personal Consumer Issues
Topic: Some possible luxury SUV choices to buy: Opinions?
Replies: 210
Views: 17709

Re: Some possible luxury SUV choices to buy: Opinions?

If I was in the market for a $40K new SUV, my first test drive would be an Acura RDX. We owned an older model and it was a great vehicle. Sad to see the V6 go away but there is someone local that has a new blue one that has the red leather and looks sweet. If I wanted something a little bigger, the...
by notBobToo
Sat May 16, 2020 8:05 pm
Forum: Personal Consumer Issues
Topic: Password vault or generator?
Replies: 110
Views: 7213

Re: Password vault or generator?

Not to hijack this thread, but in the several "password vault / generator" threads that I've read here I do not see a lot of discussion about Keychain. I am not very sophisticated in this area, and I wonder if I am exposed by (only?) using Keychain on my iOS devices (Mac mini 2018 and iPh...
by notBobToo
Thu May 14, 2020 12:08 pm
Forum: Personal Consumer Issues
Topic: Dentist charges $10 for PPE
Replies: 240
Views: 12388

Re: Dentist charges $10 for PPE

eye.surgeon wrote: Thu May 14, 2020 11:37 am And no I am not a dentist. Honestly this thread belongs over at mr money mustache where people will pull their own tooth out with pliers to save a copay to their dentist.
:sharebeer :sharebeer
by notBobToo
Thu May 14, 2020 12:04 pm
Forum: Personal Consumer Issues
Topic: Password vault or generator?
Replies: 110
Views: 7213

Re: Password vault or generator?

Not to hijack this thread, but in the several "password vault / generator" threads that I've read here I do not see a lot of discussion about Keychain. I am not very sophisticated in this area, and I wonder if I am exposed by (only?) using Keychain on my iOS devices (Mac mini 2018 and iPho...
by notBobToo
Thu May 14, 2020 10:30 am
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 57841

Re: How to get Toilet Paper ? seriously.

Got TP (Charmin) at Harris Teeter yesterday afternoon. First time that I have seen TP at a mainline grocery store (Giant, HT, Safeway) since the Great Hoarding of 2020 began. Still no paper towels, Kleenex or napkins, though. In my (DMV) area, the last time that I was able to walk in to any store an...
by notBobToo
Wed May 13, 2020 8:45 pm
Forum: Personal Consumer Issues
Topic: Dentist charges $10 for PPE
Replies: 240
Views: 12388

Re: Dentist charges $10 for PPE

I would pay the $10 and move on. I don't understand all the "tell them they will lose your business" posts. Really? Ok. Next. If really a $$ issue and not just "what's this extra charge" (given where we are today), maybe go to the dentist every eight months instead of every six m...
by notBobToo
Wed May 13, 2020 8:07 pm
Forum: Personal Consumer Issues
Topic: New convertible under 50k?
Replies: 39
Views: 2515

Re: New convertible under 50k?

I'm (wife) in the market for a convertible as well. Based on a great experience that I had with a 2017 Audi A4, I'm gonna roll the dice with Audi again and go with a 2020 A5 Cab. I really like the fit and finish, great technology and plenty of torque with sufficient horsepower. I felt that the BMW 2...
by notBobToo
Wed May 13, 2020 7:49 pm
Forum: Personal Consumer Issues
Topic: Should I purchase my end-of-lease Audi A4?
Replies: 68
Views: 4596

Re: Should I purchase my end-of-lease Audi A4?

Thank you all for the very helpful responses. Based in part on the feedback here I have decided to turn the car in, and will most likely end up shopping for a CPO version of a similar car in the winter, when I think prices will be lower. I heard from someone more knowledgeable than I, that the impa...