Search found 804 matches

by cheapskate
Sat Jul 25, 2020 8:50 pm
Forum: Personal Consumer Issues
Topic: LG refrigerator not cooling--dump it and rebuy?
Replies: 48
Views: 3239

Re: LG refrigerator not cooling--dump it and rebuy?

If you want a fridge that lasts and will have parts, buy a top freezer. Very few do because they "need" that 4 door french refrigerator with ice, water, and ability to play netflix. This is so true. I bought a cheap (~$500 ish) Frigidaire fridge for the garage many years ago. White color, top freez...
by cheapskate
Mon Jul 20, 2020 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Helping my nephew out of his rut
Replies: 74
Views: 7713

Re: Helping my nephew out of his rut

Making some progress already. After some talks with him, my nephew found a much lower interest personal loan to consolidate the credit card debt. The cc debt was actually closer to 24%, not 18%. (That's loan shark territory in my opinion, but not all that uncommon I guess. No wonder he got discoura...
by cheapskate
Tue Jul 14, 2020 12:01 am
Forum: Personal Finance (Not Investing)
Topic: Helping my nephew out of his rut
Replies: 74
Views: 7713

Re: Helping my nephew out of his rut

I have a nephew in his mid 20s that needs some guidance. He recently lost his mother (my sister) after her long battle with cancer. His father is not in the picture and/or fairly useless. I feel like I need to try to help him. My nephew has built up about $10K in high interest (~18%) debt spread ov...
by cheapskate
Wed Jul 08, 2020 1:19 am
Forum: Personal Consumer Issues
Topic: Global Entry Interview conditional approval (365 day clock)...
Replies: 15
Views: 1186

Re: Global Entry Interview conditional approval (365 day clock)...

You can make appointments online now, not necessarily local to you. When I try to schedule it through the portal, no appointments are available at my nearest enrollment center (SFO Intl) through 2021. I will try and call them after Aug 10 (after they reopen) and find out what is going on. Maybe the...
by cheapskate
Tue Jul 07, 2020 11:27 am
Forum: Personal Consumer Issues
Topic: Global Entry Interview conditional approval (365 day clock)...
Replies: 15
Views: 1186

Re: Global Entry Interview conditional approval (365 day clock)...

You can make appointments online now, not necessarily local to you. When I try to schedule it through the portal, no appointments are available at my nearest enrollment center (SFO Intl) through 2021. I will try and call them after Aug 10 (after they reopen) and find out what is going on. Maybe the...
by cheapskate
Mon Jul 06, 2020 4:37 pm
Forum: Personal Consumer Issues
Topic: Global Entry Interview conditional approval (365 day clock)...
Replies: 15
Views: 1186

Re: Global Entry Interview conditional approval (365 day clock)...

According to this link, its now 485 days, and all offices are now closed till Aug 10th. If you had an appt prior to that date, it will need to be rescheduled. I have an appt in about a week, and have not received a cancellation email yet. https://www.cbp.gov/newsroom/national-media-release/cbp-post...
by cheapskate
Mon Jul 06, 2020 3:29 pm
Forum: Personal Consumer Issues
Topic: Global Entry Interview conditional approval (365 day clock)...
Replies: 15
Views: 1186

Global Entry Interview conditional approval (365 day clock)...

Has anyone who has conditional approval for Global Entry (with a requirement to complete the interview within 365 days) have any info on whether the 365 day deadline will be extended because of Covid-19 ? I am conditionally approved and am required to complete the interview before long, but obviousl...
by cheapskate
Wed Jul 01, 2020 2:35 am
Forum: Personal Consumer Issues
Topic: LG refrigerator not cooling--dump it and rebuy?
Replies: 48
Views: 3239

Re: LG refrigerator not cooling--dump it and rebuy?

I have a similar vintage LG, only difference is that mine is 4 door. All sorts of problems over the years, most recently something related to defrosting was broken. Got it fixed a few days ago (have sears appliance warranty since 2015 and a very good tech was dispatched who diagnosed and fixed that)...
by cheapskate
Sun Jun 28, 2020 11:35 am
Forum: Investing - Theory, News & General
Topic: Hey Vanguard -- Offer a 3-Fund ETF Core Product
Replies: 17
Views: 1235

Re: Hey Vanguard -- Offer a 3-Fund ETF Core Product

Are Vanguard's lifestrategy funds not suitable ? Although - funds and not ETFs, the ERs range from 11bps to 14bps. They own 4 funds internally instead of 3 (they add Intl Bonds). It is a guarantee that (a) Vanguard will continue to drop the ERs of lifestrategy funds over time (b) Vanguard will offer...
by cheapskate
Fri Jun 26, 2020 2:27 pm
Forum: Personal Consumer Issues
Topic: Refrigerator Input...
Replies: 27
Views: 1746

Re: Refrigerator Input...

There's a good (I hope) ending to my LG refrigerator story. I got a great tech (local business, dispatched by Sears), to look at it a few days ago. He instantly identified the problem as a broken sensor that was causing defrosting to malfunction, causing ice to buildup in the freezer, and water leak...
by cheapskate
Wed Jun 24, 2020 4:43 pm
Forum: Investing - Theory, News & General
Topic: Unimpressive category averages of managed futures, multialternative, market neutral, etc.
Replies: 89
Views: 11709

Re: Unimpressive category averages of managed futures, multialternative, market neutral, etc.

"Beware Geeks Bearing Gifts" very much applies in investing. The more distance the investor puts between herself and liquid-alts peddlers like AQR, the wealthier the investor gets.
by cheapskate
Wed Jun 24, 2020 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Schwab as trustee. Your thoughts?
Replies: 18
Views: 2583

Re: Schwab as trustee. Your thoughts?

Not intending to hijack this discussion, but since this thread already exists, I thought I'd post and ask here. I am looking at Schwab as the successor trustee for our living trust. Their trust fees (which are all inclusive) seems the lowest in the industry (even lower than Vanguard). They seem to s...
by cheapskate
Sat Jun 20, 2020 12:01 am
Forum: Personal Consumer Issues
Topic: Refrigerator Input...
Replies: 27
Views: 1746

Re: Refrigerator Input...

Great ! Thanks for the recommendations. I will take a look at Whirlpool and Maytag. Costco has Whirlpool and just a quick scan tells me pricing for Whirlpool is almost 50% higher than the Samsung. Maybe this is falls in the "you get what you pay for" ! Wirecutter recommends Whirlpool or Maytag (or G...
by cheapskate
Fri Jun 19, 2020 3:25 pm
Forum: Personal Consumer Issues
Topic: Refrigerator Input...
Replies: 27
Views: 1746

Re: Refrigerator Input...

I have a Samsung French 4 door refrigerator and no problems for over 2 years now (washer&dryer too). Fyi, if you buy from Costco the major appliances usually come with a standard 2 year mfg warranty instead of 1 year. Then if you buy it with the Costco credit card they give you another 2 years. So ...
by cheapskate
Fri Jun 19, 2020 3:10 pm
Forum: Personal Consumer Issues
Topic: Refrigerator Input...
Replies: 27
Views: 1746

Re: Refrigerator Input...

Thanks for the tip re: defrost functionality not working properly. I have a tech coming out Monday and I will mention that and see if he can check that out.
by cheapskate
Fri Jun 19, 2020 2:02 pm
Forum: Personal Consumer Issues
Topic: Refrigerator Input...
Replies: 27
Views: 1746

Refrigerator Input...

Is there a general problem (water leaking) with refrigerators that have ice and water dispensers ? Or did I just get unlucky with the LG fridge I have ? We have a LG french door refrigerator, bottom freezer. About 11-12 years old (inherited from the previous owner of our home). The refrigerator has ...
by cheapskate
Fri Jun 19, 2020 11:33 am
Forum: Investing - Theory, News & General
Topic: Google... [Why is Google not appreciating like other tech growth stocks?]
Replies: 54
Views: 4384

Re: Google... [Why is Google not appreciating like other tech growth stocks?]

Surprised no one mentioned Google is also under federal investigation for anti-trust. Good point, although facebook and Apple are also under scrutiny, and Google seems to have underperformed both. Here is a related article from yesterday, featuring Chamath P. who believes that Big Tech will be brok...
by cheapskate
Thu Jun 18, 2020 11:50 pm
Forum: Investing - Theory, News & General
Topic: Google... [Why is Google not appreciating like other tech growth stocks?]
Replies: 54
Views: 4384

Re: Google... [Why is Google not appreciating like other tech growth stocks?]

I've been underwhelmed by google in recent years. Google makes piles of money, hires some of the world's top talent and pays among the highest rates, and yet, what new succesful products have they actually released in the last 3-5 years? The google core services continue to be search, email, maps, ...
by cheapskate
Thu Jun 18, 2020 3:28 pm
Forum: Investing - Theory, News & General
Topic: Google... [Why is Google not appreciating like other tech growth stocks?]
Replies: 54
Views: 4384

Re: Google... [Why is Google not appreciating like other tech growth stocks?]

Funny - this article got just published this afternoon: "Will Google Be the Next FAANG Stock to Make New Highs?" https://www.thestreet.com/investing/alphabet-google-googl-stock-trading-new-highs It's all technical analysis and I'm not smart enough to know how these things work. I don't understand h...
by cheapskate
Thu Jun 18, 2020 12:51 pm
Forum: Investing - Theory, News & General
Topic: Google... [Why is Google not appreciating like other tech growth stocks?]
Replies: 54
Views: 4384

Re: Google...

Excellent points about Google's positioning in Cloud. They are a distant 3rd and there is no hope of them cracking into the top 2. AWS is very strongly positioned and Microsoft's entrenched positioning in the enterprise and their strong support organizations will make it very hard for Google to make...
by cheapskate
Tue Jun 16, 2020 10:27 pm
Forum: Personal Consumer Issues
Topic: Undergrad college list parameters.
Replies: 100
Views: 4279

Re: Undergrad college list parameters.

It makes no sense to recommend Rochester in the same post you mention not going out of state due to costs. U Rochester is a private college. They offer merit aid. They combine some of the good things of a large research university and a small college. They have some excellent programs. There could ...
by cheapskate
Tue Jun 16, 2020 9:24 pm
Forum: Personal Consumer Issues
Topic: Undergrad college list parameters.
Replies: 100
Views: 4279

Re: Undergrad college list parameters.

Approximate list: - Georgia Institute of Technology--Atlanta - University of North Carolina--Chapel Hill - University of California--Santa Barbara - University of Florida--Gainesville - University of California--Irvine - University of California--San Diego - University of California--Davis - Colleg...
by cheapskate
Mon Jun 15, 2020 1:16 pm
Forum: Personal Consumer Issues
Topic: Undergrad college list parameters.
Replies: 100
Views: 4279

Re: Undergrad college list parameters.

Undergrad major: Psychology. Future plan: Accredited clinical psychology PhD. Backup: 1) PsyD 2) Masters Undergrad college list parameters: - 20 count. Common app has 20 spots. - US news national universities ranking. - Public. For cost. - Psychology. - No Minor. Assumption is minor will cost extra...
by cheapskate
Sat Jun 06, 2020 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Pet (health/vet) insurance...
Replies: 26
Views: 1472

Re: Pet (health/vet) insurance...

I will preface this, as I have with my other veterinary posts, with the caveat that my veterinarian is probably the Boglehead of veterinarians (low overhead due to choices like being in the same building for decades, only upgrading equipment when there's a medically significant improvement in outco...
by cheapskate
Sat Jun 06, 2020 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Pet (health/vet) insurance...
Replies: 26
Views: 1472

Re: Pet (health/vet) insurance...

I have 2 large dogs and a cat, and have been self-insuring up until now. Each visit to the vet is $600 at the minimum and close to $1000 on average where we live (South Bay Area). There isn't much variation between vets around here either in terms of price and service. Are these routine care visits...
by cheapskate
Fri Jun 05, 2020 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Pet (health/vet) insurance...
Replies: 26
Views: 1472

Re: Pet (health/vet) insurance...

Also, if anyone has recommendations for Vets they absolutely love (who won't do unnecessary procedures for example) in the Sunnyvale, Santa Clara, Campbell, Cupertino, San Jose area, I would love to hear those as well...
by cheapskate
Fri Jun 05, 2020 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Pet (health/vet) insurance...
Replies: 26
Views: 1472

Pet (health/vet) insurance...

I have 2 large dogs and a cat, and have been self-insuring up until now. Each visit to the vet is $600 at the minimum and close to $1000 on average where we live (South Bay Area). There isn't much variation between vets around here either in terms of price and service. What do other pet owners do ? ...
by cheapskate
Thu Jun 04, 2020 2:21 pm
Forum: Personal Consumer Issues
Topic: Pl recommend a garden hose
Replies: 32
Views: 1962

Re: Pl recommend a garden hose

I bought this after similar frustration with kinks and poor quality of hoses, back in December. It's been 6 months, and the hose is holding up under light use very well. The hose expands when you turn the water faucet on. https://www.amazon.com/gp/product/B07PJ49J9J/ref=ppx_yo_dt_b_search_asin_title...
by cheapskate
Wed Jun 03, 2020 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Avoiding keeping-up-with-the-joneses w.r.t. private schools
Replies: 320
Views: 18319

Re: Avoiding keeping-up-with-the-joneses w.r.t. private schools

This thread has to be mind boggling to people outside the Bay Area, we are debating the merits of schools that cost ~600K/student K-12 versus pretty decent public school options, in a backdrop where the economy shrank over 50% in Q2 and about 25% of the workforce is unemployed. FWIW, my 3 kids atten...
by cheapskate
Sat May 30, 2020 12:01 am
Forum: Personal Consumer Issues
Topic: Non Fiction books for teenagers
Replies: 52
Views: 2548

Re: Non Fiction books for teenagers

Of the recent books I read, Americana by Bhu Srinivasan was spectacularly good. I think that is a book that would appeal well to teens. I have also bought and gifted copies of W. Bernstein's "Birth of Plenty" and "A Splendid Exchange" to kids of friends. Both were very enjoyable, and I learned a lot...
by cheapskate
Mon May 18, 2020 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: College in fall
Replies: 549
Views: 45799

Re: College in fall

CS is unique in it more than any other major than perhaps the medical fields or accounting can directly apply to your job. Is there any data showing students who have real analysis make better programmers? I would remember a news article about Google where they did a study and found almost zero cor...
by cheapskate
Mon May 18, 2020 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: College in fall
Replies: 549
Views: 45799

Re: College in fall

I would not want to audit the code coming from someone who did those five courses without the appropriate mathematical and critical thinking background and without diving deep into CS principles (particularly cybersecurity and test/audit principles). Those would be the sort of coders to not realize...
by cheapskate
Mon May 18, 2020 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: College in fall
Replies: 549
Views: 45799

Re: College in fall

Sorry. I don't trust someone straight out of high school to do much of anything. According to the statistics, USA schools rank poorly. https://www.usnews.com/news/education-news/articles/2019-12-03/us-students-show-no-improvement-in-math-reading-science-on-international-exam. When I graduated high ...
by cheapskate
Thu May 14, 2020 11:39 pm
Forum: Personal Investments
Topic: Thoughts on investing in Pre-IPO Companies?
Replies: 19
Views: 1082

Re: Thoughts on investing in Pre-IPO Companies?

There are firms that orchestrate the sales of private stock held by insiders to the public. A good friend tried to interest me in AirBnB, Impossible Foods, Palantir in 2019. The minimums weren't crazy, they would let me buy say 200 shares at a valuation per the latest private round. AirBnB was value...
by cheapskate
Wed Apr 29, 2020 10:35 am
Forum: Personal Consumer Issues
Topic: Highlander or RAV4
Replies: 57
Views: 3391

Re: Highlander or RAV4

The RAV4 is one of the nicest vehicles available, from a value point of view. The feature bundling you get in the base LE model makes the RAV4 very compelling. I may be biased because we got our (second) RAV4 LE super cheap (new under 21K) a couple of years ago. The complaints I have heard about the...
by cheapskate
Mon Apr 13, 2020 2:14 am
Forum: Personal Finance (Not Investing)
Topic: Health Insurance Coverage for College Kids when they are home on breaks...
Replies: 6
Views: 618

Re: Health Insurance Coverage for College Kids when they are home on breaks...

Thanks for all your help ! I was able to find the info on the coverage offered by both colleges online. In both cases, coverage is offered by United Health Care (most colleges seem to outsource this via an outfit called Gallagher). Gallagher's website also allows me to search for clinics where I liv...
by cheapskate
Sun Apr 12, 2020 11:11 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance Coverage for College Kids when they are home on breaks...
Replies: 6
Views: 618

Re: Health Insurance Coverage for College Kids when they are home on breaks...

My kids were offered great plans with national coverage at low rates, which are 365 days/year coverage. I still declined due to employer family coverage that made it even cheaper to be on my plan, worth comparing. But I would not want hassle of switching back and forth. Agree. I covered them using ...
by cheapskate
Sun Apr 12, 2020 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance Coverage for College Kids when they are home on breaks...
Replies: 6
Views: 618

Re: Health Insurance Coverage for College Kids when they are home on breaks...

Thanks. I will reach out to the colleges and see if they cover students when they are home. The issue of course is that no clinic here may accept the college coverage, and that is something I need to investigate. I called Kaiser, the person I spoke to told me that if I were to sign up for Kaiser (fo...
by cheapskate
Fri Apr 10, 2020 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance Coverage for College Kids when they are home on breaks...
Replies: 6
Views: 618

Health Insurance Coverage for College Kids when they are home on breaks...

My wife and I are planning to transition to HMO Health Insurance plans this November, to summarize our situation, I FIREd Nov 2019 and we are on (PPO) COBRA until November. In November, we will transition to Kaiser. We have 2 kids in college. Until now, my employment PPO plan has covered them well i...
by cheapskate
Tue Apr 07, 2020 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Another college choice question
Replies: 28
Views: 1625

Re: Another college choice question

Also, Rice has one of the most generous scholarship programs around. Full tuition scholarships to families making under 130K, half off tuition to families making under 200K.

https://news.rice.edu/2018/09/18/rice-u ... e-class-2/
by cheapskate
Tue Apr 07, 2020 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Another college choice question
Replies: 28
Views: 1625

Re: Another college choice question

If he gets off the wait list at Rice that would be a much more compelling option than either CMU or GaTech. Rice has a fantastic CS program, it is an elite engineering and sciences school, but most importantly, he will have a great experience at Rice, both academically and socially. Rice grads are w...
by cheapskate
Mon Feb 24, 2020 9:14 pm
Forum: Personal Consumer Issues
Topic: Avis charging for existing damage on rental car
Replies: 111
Views: 7791

Re: Avis charging for existing damage on rental car

Yikes - I am sorry this happened to you. I have no advice to offer except try and work this out with Avis and hope for the best (and see if the credit card company can pick up the tab, via supplemental coverage). Lesson here for anyone who reads this thread to take a video of the vehicle before and ...
by cheapskate
Wed Jan 15, 2020 7:10 am
Forum: Personal Consumer Issues
Topic: Apple iMac 2013? Replace with Fusion? Or all SSD? Security? Questions
Replies: 38
Views: 2874

Re: Apple iMac 2013? Replace with Fusion? Or all SSD? Security? Questions

+1 I decided to pay a private repairman money to do the SSD swap on my MacMini. I watched while he did it. It was not easy, not straightforward. Definitely not like a Desktop PC where one just has to unscrew drive from carrier, swap out the SATA cable. Paying some one to do the HW swap is worth it i...
by cheapskate
Sat Jan 04, 2020 2:20 am
Forum: Personal Finance (Not Investing)
Topic: Medical school at 34 - Is this financial suicide?
Replies: 116
Views: 10488

Re: Medical school at 34 - Is this financial suicide?

One of my closest friends started medical school at 48, and then did a specialty in Cardiology ! He always wanted to become a doctor but his dad encouraged him strongly to go into Engineering. He got an undergraduate degree in Mechanical Engineering, an MBA and a MS in CS (from Stanford). Then he wo...
by cheapskate
Tue Dec 31, 2019 1:32 pm
Forum: Personal Consumer Issues
Topic: Apple iMac 2013? Replace with Fusion? Or all SSD? Security? Questions
Replies: 38
Views: 2874

Re: Apple iMac 2013? Replace with Fusion? Or all SSD? Security? Questions

I have a late 2014 Mac Mini and was faced with a similar issue. The hard drive wasn't bad, but it was very very slow. I replaced it with a 1TB Samsung SSD (bought from Amazon on a black friday sale for about $90) and paid something like $140 (don't recall exactly) to swap the hard drive out for the ...
by cheapskate
Mon Dec 09, 2019 1:35 am
Forum: Personal Consumer Issues
Topic: Target gift cards 10% off tomorrow (Sunday Dec. 8)
Replies: 62
Views: 5947

Re: Target gift cards 10% off tomorrow (Sunday Dec. 8)

Thanks for this info OP, you gifted us $60. I went there with my wife and each of us bought $300 worth of cards.
by cheapskate
Wed Sep 11, 2019 11:17 pm
Forum: Personal Consumer Issues
Topic: Best Dog Car?
Replies: 70
Views: 5165

Re: Best Dog Car?

I bought a Outback for my 2 large dogs, but it was a mistake. I think that I should've bought a minivan where I could fold back the rear row, and remove the middle seats (which most minivans now offer ?). The advantages here are that there is lots of room for the dogs if you go on a drive longer th...
by cheapskate
Wed Sep 11, 2019 10:57 pm
Forum: Personal Consumer Issues
Topic: Best Dog Car?
Replies: 70
Views: 5165

Re: Best Dog Car?

I bought a Outback for my 2 large dogs, but it was a mistake. I think that I should've bought a minivan where I could fold back the rear row, and remove the middle seats (which most minivans now offer ?). The advantages here are that there is lots of room for the dogs if you go on a drive longer tha...
by cheapskate
Sun Aug 18, 2019 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Moving from Bay area, CA to Knoxville, TN
Replies: 98
Views: 7945

Re: Moving from Bay area, CA to Knoxville, TN

You don't mention what your age is, how many years you have left in the workforce, but I assume you are in your late 20s or 30s. I would like to present a viewpoint contrarian to the most you read and advise you stay in the Bay Area. I'll focus purely on the career aspects. The rest are too subjecti...
by cheapskate
Wed May 15, 2019 2:32 pm
Forum: Personal Consumer Issues
Topic: Fair price for new Subaru Outback?
Replies: 20
Views: 3435

Re: Fair price for new Subaru Outback?

Whether to wait for the new model or get the current one depends on whether (a) the features in the new model are worth the extra $ (b) one is happy with the features in the old model (c) is the car going to be driven until it dies or whether it will be traded up in a couple of years. I always hang ...