Search found 72 matches

by GeMoney
Wed Mar 25, 2020 10:26 am
Forum: Personal Consumer Issues
Topic: Is there a device to connect to a regular phone to make wireless calls?
Replies: 25
Views: 1294

Re: Is there a device to connect to a regular phone to make wireless calls?

Another vote for the Google Voice/Polycom(Obihai) solution. If she only has access to wifi rather than ethernet, you'll need to also buy a wifi adapter for the device. Please note that it cannot dial 911 and will need a E911 service if you want that. I use this service https://www.gv911.com/ which i...
by GeMoney
Wed Mar 25, 2020 10:13 am
Forum: Personal Consumer Issues
Topic: Laptop Replacement Battery
Replies: 6
Views: 520

Re: Laptop Replacement Battery

I've purchased two inexpensive non-OEM laptop replacement batteries on Ebay. One was for an extremely old Lenovo and another for a HP. Overall I would say it is fine for non-critical (i.e. used for work) occasional use. I don't necessarily believe the advertised battery capacity (mAh) as advertised ...
by GeMoney
Sun Mar 22, 2020 11:11 am
Forum: Personal Consumer Issues
Topic: How are you supporting your community?
Replies: 60
Views: 2998

Re: How are you supporting your community?

I continue to volunteer at a non-profit that delivers groceries to approx 1200 seniors living in low income housing. We are down 2/3rd of our regular volunteers as many are in the high risk category. We wear gloves, masks and try to maintain social distancing. The organization was designated as "ess...
by GeMoney
Wed Mar 18, 2020 5:29 pm
Forum: Personal Consumer Issues
Topic: What Happens To Your Battery When Your Car Is Parked For Weeks?
Replies: 90
Views: 4472

Re: What Happens To Your Battery When Your Car Is Parked For Weeks?

The AAA service person who changed my battery (died because it as really old) recommended that the car be started at least once a week from a warranty standpoint.
by GeMoney
Wed Mar 18, 2020 9:33 am
Forum: Investing - Theory, News & General
Topic: What is your AA, given your age ? and this crisis ?
Replies: 170
Views: 8738

Re: What is your AA, given your age ? and this crisis ?

Age 56 and retired. Stocks 67% Bonds/Cash 33%. Plan to maintain this AA for the foreseeable future. Lowest stock AA I would ever consider is 40% regardless of age.
by GeMoney
Mon Mar 16, 2020 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Google sheets vs Excel; end of life Office 2010
Replies: 37
Views: 2267

Re: Google sheets vs Excel; end of life Office 2010

I'm in the same boat with Office 2010. I recently transitioned to WPS Office free version (it occasionally has pop up advertisements) and so far haven't missed Office 2010.
https://www.wps.com/en-US/
by GeMoney
Mon Mar 16, 2020 9:18 am
Forum: Personal Consumer Issues
Topic: Inkjet Printers: Refilled and Third Party Cartridges
Replies: 22
Views: 879

Re: Inkjet Printers: Refilled and Third Party Cartridges

For the past two decades I've used nothing but refill services for HP related cartridges and mostly blindly purchasing third party cartridges for Canon and Epson printers since then. In my experience I've fortunately only come across a few bad cartridges. Given the money I've saved I wasn't too conc...
by GeMoney
Sat Mar 14, 2020 11:44 am
Forum: Personal Consumer Issues
Topic: Is it time to get rid of my 16 year old car?
Replies: 28
Views: 2135

Re: Is it time to get rid of my 16 year old car?

Assuming there are no other significant issues with the car, I would be inclined to keep the car as it can last you another 5 years or so. My financial threshold to get rid of an older car is when the repairs add up to more than 1 year of average depreciation on a new or newer car and the incrementa...
by GeMoney
Sat Mar 07, 2020 11:06 am
Forum: Personal Consumer Issues
Topic: Bluetooth stereo transmitter
Replies: 7
Views: 455

Re: Bluetooth stereo transmitter

If you go on Ebay and do a search for "Wireless Bluetooth Transmitter" you'll find a number of products. Some only have 3.5mm plugs so you may need to get some stereo RCA adapters but some do offer the RCA cable in the box. I saw one sold in the US for <$9.00 and is both a transmitter and receiver. ...
by GeMoney
Wed Mar 04, 2020 7:13 pm
Forum: Investing - Theory, News & General
Topic: Higher fee funds
Replies: 4
Views: 252

Re: Higher fee funds

For me it was lack of knowledge and chasing returns (before I became a BH). I had previously invested in two Baron mutual funds which was doing very well until reversion to the mean kicked in. Their expense ratio was approx 1.3% and management was unapologetic about it saying their funds/management ...
by GeMoney
Sat Feb 29, 2020 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: Suggestion: Check your credit reports, even if frozen
Replies: 21
Views: 1930

Re: Suggestion: Check your credit reports, even if frozen

On a separate but related topic, I also recommend people with auto and/or home insurance to check their C.L.U.E. report from Lexis Nexis which is free. I had two insurance claims on my report that weren't mines. https://consumer.risk.lexisnexis.com/
by GeMoney
Sat Feb 29, 2020 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: How to decide whether to have the car fixed, or take the insurance money
Replies: 15
Views: 685

Re: How to decide whether to have the car fixed, or take the insurance money

Someone recently backed into my 15 year old Toyota Corolla and it also cost $610 to repaint the bumper so I faced the same dilemma. I ultimately decided to have the car repaired rather than pocketing the money for the following reasons: 1) The car has extremely low miles and well maintained so I dec...
by GeMoney
Thu Feb 27, 2020 9:40 am
Forum: Personal Finance (Not Investing)
Topic: How quickly did you receive your 2019 tax refund?
Replies: 111
Views: 7926

Re: How quickly did you receive your 2019 tax refund?

Efiled on Feb 16 and received both Fed and State refunds on Feb 25 so 7 business days
by GeMoney
Sat Feb 22, 2020 6:06 pm
Forum: Personal Consumer Issues
Topic: Exterior car detailing, waterless wash
Replies: 23
Views: 2058

Re: Exterior car detailing, waterless wash

Nothing special about a sponge. You can use whatever you want as long as it doesn't scratch your car. I use a soft wash mitt.
by GeMoney
Sat Feb 22, 2020 10:21 am
Forum: Personal Consumer Issues
Topic: Exterior car detailing, waterless wash
Replies: 23
Views: 2058

Re: Exterior car detailing, waterless wash

If you want to eliminate the initial wash step, that depends on how dirty the car is. I don't recommend using the clay bar straight onto a dirty car as that will shorten the life of the clay bar because it will retain the dirt on the bar.
by GeMoney
Thu Feb 20, 2020 7:07 pm
Forum: Personal Consumer Issues
Topic: Can we trust wirecutter reviews?
Replies: 41
Views: 4784

Re: Can we trust wirecutter reviews?

I trust the audio reviews and recommendations and have made 2 purchases because of it. They were spot on.
by GeMoney
Thu Feb 20, 2020 7:03 pm
Forum: Personal Consumer Issues
Topic: Exterior car detailing, waterless wash
Replies: 23
Views: 2058

Re: Exterior car detailing, waterless wash

Here's what I do: 1) Optimum No Rinse - I use it with 2 buckets of water (search "Two Bucket Method if you're interested) but you can use it as a waterless wash just dilute it less (amount is on the label) and just spray on and wipe off. You can also use Meguiar's Quick Detail for a waterless wash b...
by GeMoney
Sun Feb 16, 2020 9:50 am
Forum: Personal Consumer Issues
Topic: Accidentally deleted Realtek driver (and something else?) for sound on laptop
Replies: 15
Views: 878

Re: Accidentally deleted Realtek driver (and something else?) for sound on laptop

You can try to restore your computer using Restore Point which built into Windows that takes a snapshot of your computer programs (but not your documents). You can also try using driver update software to help locate and install the driver. I use DriverMax to update my drivers which is free.
by GeMoney
Sun Feb 16, 2020 9:42 am
Forum: Personal Consumer Issues
Topic: Microsoft Office free online version
Replies: 14
Views: 1708

Re: Microsoft Office free online version

The free online version is a stripped down version of their Office 365 version with less features. It's ok as a Office file viewer and entry level work. It was their replacement for their Office 2010 Starter desktop version. I recently switched from Office 2010 because support is ending soon to WPS ...
by GeMoney
Fri Feb 14, 2020 12:47 pm
Forum: Personal Consumer Issues
Topic: Tires for older, lower annual mileage cars?
Replies: 55
Views: 2809

Re: Tires for older, lower annual mileage cars?

I'm in the same situation. I have a 2005 Toyota Corolla with extremely low miles. Regardless of brands, the key is to occasionally inspect the tires for tread wear, general wear (including tears on the side) and tire pressure. Per Consumer Reports, some of the ratings for the lesser know brands such...
by GeMoney
Fri Feb 14, 2020 12:00 pm
Forum: Personal Consumer Issues
Topic: What are your not free but still frugal hobbies?
Replies: 102
Views: 7412

Re: What are your not free but still frugal hobbies?

Detailing my car. When I do this all of my stress, worries, etc temporary goes away as I focus on the task at hand. I tend to keep my cars a long time as long as it is running well and looks good. I tend to get compliments from strangers and the rare offer to buy my car on the stop when I do this.
by GeMoney
Fri Feb 14, 2020 11:54 am
Forum: Personal Consumer Issues
Topic: What is the best concert you ever witnessed?
Replies: 385
Views: 27078

Re: What is the best concert you ever witnessed?

My first concert, Earth Wind and Fire in 1981 at the San Francisco Cow Palace.
by GeMoney
Fri Feb 14, 2020 11:53 am
Forum: Personal Consumer Issues
Topic: AT&T landline versus VOIP
Replies: 26
Views: 1752

Re: AT&T landline versus VOIP

All of the points you raise are valid. It comes down to the cost/benefits for you. For me I switched from AT&T hard wire (offer through a third party using their wires) to the Google Voice/Obihai/E911 service solution last year. If the internet is down, I have my cell phone as backup. In California ...
by GeMoney
Mon Feb 10, 2020 12:49 pm
Forum: Personal Consumer Issues
Topic: What is your most luxury/expensive hobby.
Replies: 134
Views: 10336

Re: What is your most luxury/expensive hobby.

Stereo equipment although I do consider myself a budget audiophile and try not to spend too much. I have two mobile systems, a pc based system, a high end clock radio which I retrofitted to stream audio and my main system.
by GeMoney
Sat Feb 08, 2020 9:43 am
Forum: Personal Consumer Issues
Topic: Looking for a cheap and accurate BP monitor.......
Replies: 23
Views: 1453

Re: Looking for a cheap and accurate BP monitor.......

Consumer Reports' Best Buy is the Rite Aid BP3AR1-4DRITE and RellOn BP200. Omron's 10 Series was listed as number 3.I have an old Omron and the Rite Aid and they're both are pretty consistent in it's testing.
by GeMoney
Mon Feb 03, 2020 7:14 pm
Forum: Personal Consumer Issues
Topic: Books that changed your life
Replies: 146
Views: 10554

Re: Books that changed your life

A Passion For Excellence - Tom Peters
Feeling Good - David Burns
Common Sense On Mutual Funds - John Bogle
Millionaire Next Door - Thomas Stanley
by GeMoney
Thu Jan 30, 2020 10:29 am
Forum: Personal Consumer Issues
Topic: Screen sharing program
Replies: 11
Views: 1214

Re: Screen sharing program

I use Mikogo. It's free for one participant
by GeMoney
Tue Jan 28, 2020 9:12 pm
Forum: Personal Consumer Issues
Topic: Cheap Cell Phone Plan
Replies: 52
Views: 6559

Re: Cheap Cell Phone Plan

If you have an unused Sprint related phone, TextNow is offering free voice and text service (and not just via wifi) via the Sprint network. It is paid for by ads. They have data plans for a fee. See this link https://www.textnow.com/how-it-works I just tried it on an old LG Tribute phone and it works.
by GeMoney
Tue Jan 14, 2020 10:56 am
Forum: Personal Finance (Not Investing)
Topic: What age did you reach 100K networth?
Replies: 433
Views: 93519

Re: What age did you reach 100K networth?

Age 27. I purchased my condo then
by GeMoney
Fri Jan 10, 2020 6:52 pm
Forum: Personal Consumer Issues
Topic: At what point do you donate/trash/sell/gift your junk?
Replies: 72
Views: 4415

Re: At what point do you donate/trash/sell/gift your junk?

My biggest motivation to go through the clean up process came when I had to clean out my parent's home after they had passed. They were hoarders with approx 60 years of stuff with almost nothing ever going out (I'm not exaggerating). Besides for learning "you can't take it with you", I also learned ...
by GeMoney
Sun Jan 05, 2020 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Geico cancels 1M umbrella
Replies: 54
Views: 6632

Re: Geico cancels 1M umbrella

Flashes1 wrote:
Sat Jan 04, 2020 8:02 pm
How much are other folks paying for $1 million of umbrella? I'm paying $1,000/year which I thought was fair; however, now I'm seeing the OP was paying was paying $200-$300. This has me concerned/ :oops:
I pay $256 for $2m but $1m was $156 at Melife.
by GeMoney
Sun Jan 05, 2020 11:37 am
Forum: Personal Consumer Issues
Topic: Employ or outsource bookkeeping and payroll?
Replies: 28
Views: 958

Re: Employ or outsource bookkeeping and payroll?

I'm a recently retired accountant that up to recently spent 13 years at a company that did outsourced accounting for the life science industry (biotech, med device, etc). From a cost perspective if you don't require full time staff to provide these service then outsource should be considered until t...
by GeMoney
Mon Dec 30, 2019 10:52 am
Forum: Personal Consumer Issues
Topic: Any audiophiles on this forum?
Replies: 120
Views: 9233

Re: Any audiophiles on this forum?

I consider myself a budget audiophile. Main System: NHT Classic Three speakers VMPS Original Subwoofer with Megawoofer upgrade NHT MA-1a subwoofer amp Crown Power Line Three amp NAD 1000 Preamp Raspberry Pi 3 with Allo Digione HAT and 512gb micro SD card which stores all of my digital music which I ...
by GeMoney
Thu Dec 26, 2019 6:35 pm
Forum: Personal Consumer Issues
Topic: Anti Virus?
Replies: 36
Views: 2114

Re: Anti Virus?

For my Windows computer I use Avast Anti-Virus, Comodo Firewall and Cybereason Anti-Ransomware. All 3 of these are free.
by GeMoney
Thu Dec 19, 2019 10:16 am
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 896
Views: 149602

Re: High Earners - What's Your Profession?

Until my recent retirement I was an accounting consultant for a consulting company where I was Acting Controller at numerous startup companies. I was paid hourly for my billable time. Lets just say there were times when I started work at 3:30am, getting phone calls from CEOs during dinner time and w...
by GeMoney
Sun Dec 15, 2019 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Business Taxes
Replies: 4
Views: 373

Re: Business Taxes

Given that the business is a partnership, the business will need to issue form K-1 to it's partners so a tax professional is recommended for that especially if the organization doesn't have any experience with that. For the recipients of the K-1s, you'll want to be sure the tax software used support...
by GeMoney
Fri Dec 13, 2019 4:46 pm
Forum: Personal Consumer Issues
Topic: Opinions - used 2005 Toyota Corolla with only 87,000 miles?
Replies: 43
Views: 2714

Re: Opinions - used 2005 Toyota Corolla with only 87,000 miles?

I have a 2005 Toyota Corolla LE with less miles purchased new. It has the Corolla reliability having to do only the standard maintenance and wear and tear items other than any physical damage (i.e. a cracked windshield from a flying object on the freeway). As usual have it checked out by a mechanic....
by GeMoney
Tue Dec 10, 2019 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Exercising of Vested Stock Options
Replies: 24
Views: 1269

Re: Exercising of Vested Stock Options

Turbotax has a good article on the tax impact https://turbotax.intuit.com/tax-tips/in ... /L4azWgfwy

I used to give presentations on stock options and when it came to the tax piece, I would actually print that article and hand it out.
by GeMoney
Fri Dec 06, 2019 6:43 pm
Forum: Personal Consumer Issues
Topic: Blue Light Blocking Glasses?
Replies: 39
Views: 3383

Re: Blue Light Blocking Glasses?

I have Zenni's version called Blokz and it doesn't help my sleep (I consider myself as having insomnia) but I have noticed that my eyes are less irritated and understand what they mean by "FryEye"
by GeMoney
Mon Dec 02, 2019 6:40 pm
Forum: Investing - Theory, News & General
Topic: Favorite stock(s) and why
Replies: 131
Views: 8242

Re: Favorite stock(s) and why

I inherited a few shares of Lockheed Martin which I've decided to hold on to for now. Their dividend is good and their stock price chart since 2010 almost goes straight up other than for a few months at the end of 2018.
by GeMoney
Mon Dec 02, 2019 6:32 pm
Forum: Personal Consumer Issues
Topic: Need Advice for Cheap Wireless Plans
Replies: 23
Views: 1903

Re: Need Advice for Cheap Wireless Plans

Check out Tello. They have flexible monthly plans which you can change at anytime. For voice only, their plans range from $5 for 100 minutes to $8 unlimited. Their customer service is good.
by GeMoney
Wed Nov 27, 2019 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Cheapest talk and text only
Replies: 7
Views: 895

Re: Cheapest talk and text only

Take a look at Tello they are a Sprint MNVO. If all you need is talk and text, they have flexible plans ranging from $5-$8/mo. Add $1 for 500mb of data or $2 for 1gb.
by GeMoney
Thu Nov 21, 2019 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Auto insurance company pays less than 1/3rd of windshield damage
Replies: 18
Views: 1279

Re: Auto insurance company pays less than 1/3rd of windshield damage

The insurance company may have paid for the equivalent price of an aftermarket windshield. I had the same situation happen to me several years ago and the price of an aftermarket windshield was less than 1/3rd the price of an OEM (Toyota) windshield so I just paid it myself as it was less than my de...
by GeMoney
Sat Nov 09, 2019 10:28 am
Forum: Personal Finance (Not Investing)
Topic: How should I cancel my business cell phone?
Replies: 19
Views: 1157

Re: How should I cancel my business cell phone?

You can also make a call using the free Google Voice or Google Hangouts app
by GeMoney
Wed Nov 06, 2019 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: Kaiser HMO
Replies: 4
Views: 380

Re: Kaiser HMO

Along with co-pays, I would think the OOP would include any out of network cost.
by GeMoney
Mon Nov 04, 2019 11:09 am
Forum: Personal Consumer Issues
Topic: Should I use a lawyer
Replies: 20
Views: 3269

Re: Should I use a lawyer

If you and your son weren't injured, you'll probably won't need a lawyer as long as the reimbursement for your auto is fair. If you do decide to use a lawyer, be ready to pay 25% if it is settled at the claim stage, or 33% to 40% if a lawsuit is filed.
by GeMoney
Sat Nov 02, 2019 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Taxes on Bonus
Replies: 27
Views: 3456

Re: Taxes on Bonus

To see what the standard payroll tax rates are for Federal and your state go here: https://www.adp.com/resources/tools/tax-guides-and-forms/state-and-local-tax-guides/state-tax-guide.aspx If you by chance wanted to deduct even more, fill out another payroll tax withholding form for Federal and/or St...
by GeMoney
Wed Oct 30, 2019 10:54 am
Forum: Personal Consumer Issues
Topic: VPNs
Replies: 32
Views: 3652

Re: VPNs

If your expected usage is low or just want to try one out, Windscribe is currently offering 20gb a month free (normally it is 10gb for free). The offer expires Nov 1 2019. Instructions: Go here https://windscribe.com/signup to sign up then fill out your username, password and email Under "Have a Vou...
by GeMoney
Sat Oct 26, 2019 8:38 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1438
Views: 165792

Re: What frugal thing did you do today?

I rejuvenated the wiper blades on my car by 1) cleaning with rubbing alcohol 2) rubbing it with a small piece of fine sandpaper folded in half 3) cleaning again with rubbing alcohol. It works great.