Search found 1297 matches

by mmmodem
Mon Aug 13, 2018 1:29 pm
Forum: Personal Consumer Issues
Topic: Buying used car - advice requested
Replies: 36
Views: 2206

Re: Buying used car - advice requested

Thank you for the details- very useful to know this Are all Leaf models capable of the faster charging option Is a Prius C also a good option to consider Any thoughts on driving leaf/ Prius c in mountain west Not all Leafs can DC fast charge. There are better resources on the internet to look it up...
by mmmodem
Mon Aug 13, 2018 9:38 am
Forum: Personal Consumer Issues
Topic: Unlocked iPhone on eBay or Amazon?
Replies: 22
Views: 1264

Re: Unlocked iPhone on eBay or Amazon?

I would get a new 8 for yourself and gift your daughter the 6s. The 6s only has so much life remaining in it. The 8 will likely receive a $100 discount next month when the next iPhone comes out. This guarantees the 6s will work perfectly for your daughter with zero hassles. I also look at in this wa...
by mmmodem
Mon Aug 13, 2018 9:14 am
Forum: Personal Consumer Issues
Topic: Buying used car - advice requested
Replies: 36
Views: 2206

Re: Buying used car - advice requested

Meanwhile, given the lot of support for Leaf, just wanted to check on this - looked up the time it takes to charge the battery and seems like way too much. Could someone that has a Leaf share some information on this? There are a few charging options for the Leaf. For the sake of simplicity, I'll j...
by mmmodem
Fri Aug 10, 2018 11:46 am
Forum: Personal Consumer Issues
Topic: Buying used car - advice requested
Replies: 36
Views: 2206

Re: Buying used car - advice requested

Let's see if I can trim the list for you. I would remove the Subaru first because it is just too old and too expensive. There's too many miles on it for that year. If it was going for $5000, then I would entertain it. I would remove the Versa as well because it is a penalty box compared to the other...
by mmmodem
Fri Aug 10, 2018 8:10 am
Forum: Personal Consumer Issues
Topic: First time taking kids to airport..
Replies: 28
Views: 2194

Re: First time taking kids to airport..

We fly out of SJC and SAN often with children. These are some of the things we learned while flying. 1. You get to board first after all the VIP's so you'll get to sit together if you fly Southwest. I never really paid attention to the announcements of families boarding first until after having chil...
by mmmodem
Wed Aug 08, 2018 8:47 am
Forum: Personal Consumer Issues
Topic: radon mitigation exposure concern, are we at risk?
Replies: 59
Views: 3708

Re: radon mitigation exposure concern, are we at risk?

What kind of kit did you buy? I have bought the 1 shot lab kits before for others, but this sounds better if it is accurate. What's your view? I bought the Airthings Wave https://smile.amazon.com/dp/B01MSEQYY9/ref=cm_sw_r_cp_awdb_t1_s5UABb4EBD4F4 It currently lists at $200 but often goes for $150. ...
by mmmodem
Tue Aug 07, 2018 7:17 am
Forum: Personal Consumer Issues
Topic: radon mitigation exposure concern, are we at risk?
Replies: 59
Views: 3708

Re: radon mitigation exposure concern, are we at risk?

There is no safe level of radon. The EPA came up with a number for when remediation is necessary at 4.0 pCi/L but it doesn't mean 3.9 is safe. I'm not an expert, just a homeowner that did a lot circumspect internet research. Take what I say with a grain of salt and do your own research. You already ...
by mmmodem
Thu Aug 02, 2018 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy new Nissan Leaf?
Replies: 35
Views: 2367

Re: Should I buy new Nissan Leaf?

Realize you won't save money on fuel. High electricity prices in CA will negate any savings when compared to a 50 not Prius. If you came from a 25 mpg vehicle, then you save money. For PG&E customers, prices for electricity in CA are based on Time of Use for the EV Rate Plan. For example, we only c...
by mmmodem
Thu Aug 02, 2018 1:01 pm
Forum: Personal Consumer Issues
Topic: Older Camrys - Hybrid vs regular?
Replies: 25
Views: 1543

Re: Older Camrys - Hybrid vs regular?

I see this phenomenon with a regular Prius and a Prius plug in as well. A Prius Plug gets 95 mpg if you plug in regularly. And even if you never plug in, it gets 1 mpg better than the regular Prius if you never plug it in. I was averaging 69 mpg including the electricity I used. Despite this, prices...
by mmmodem
Thu Aug 02, 2018 8:46 am
Forum: Investing - Help with Personal Investments
Topic: HSA's - when does it make sense?
Replies: 37
Views: 3178

Re: HSA's - when does it make sense?

When does an HSA not make sense? That's a tougher question to ask. I fund mine fully after 401k matching. My work HSA is also with benefitwallet and I find it lacking versus my previous employer's HSA with Optum. Therefore, I have decided to keep both accounts. I will transfer over contributions fro...
by mmmodem
Thu Aug 02, 2018 6:43 am
Forum: Personal Consumer Issues
Topic: New job commute
Replies: 64
Views: 3462

Re: New job commute

My first job out of college was a 3 hour roundtrip commute as well. 1. I got an audible account and listened to audiobooks. You can also get free audiobooks from most libraries. I also started listening to podcasts. It got to the point that when I arrived at home or work, I would stay in the car to ...
by mmmodem
Wed Aug 01, 2018 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Should I buy new Nissan Leaf?
Replies: 35
Views: 2367

Re: Should I buy new Nissan Leaf?

Speaking from someone that used come from a 2 Prius household, I'd buy the Leaf. The older Prius will need to be replaced anyway soon. It's doubtful you will be able to replace it for only $12k that would be equivalent to a brand new 2018 Nissan Leaf. I would not wait to purchase as some suggested. ...
by mmmodem
Mon Jul 30, 2018 10:47 am
Forum: Personal Consumer Issues
Topic: need an outback, new, used or lease?
Replies: 29
Views: 2133

Re: need an outback, new, used or lease?

Given you have $16k and you have a taxable account to tap into, I don't think it matters what you choose. You can afford it. You might save a little if you buy used but you'll lose peace of mind. Is it worth it? Since you can afford it, I'd choose a new vehicle. I would buy after baby 2 is born. Usu...
by mmmodem
Sun Jul 29, 2018 11:09 am
Forum: Personal Consumer Issues
Topic: Any problems with freezer "drawer" models
Replies: 40
Views: 2723

Re: Any problems with freezer "drawer" models

Our problem was we couldn't get used to it. No matter how much every one said it makes more sense, we hated bending over to get food. I have no problem crouching down to get food but the drawer makes it so that bending over is more effective in reaching over the sides. You also end up stacking a lot...
by mmmodem
Fri Jul 27, 2018 6:47 am
Forum: Personal Consumer Issues
Topic: iphone purchase
Replies: 19
Views: 2101

Re: iphone purchase

Be careful. There is no S for this year's iPhone line. There is an SE and it's a 6S CPU in 5S shell. The line up is SE, 8, 8+, & X. You don't want an SE. Why would one not want an SE? I have an SE through Consumer Cellular that I paid around $200 for outright at Target. It does everything I expect ...
by mmmodem
Thu Jul 26, 2018 8:23 am
Forum: Personal Consumer Issues
Topic: How early to get to an airport (JFK specifically) for domestic flight
Replies: 21
Views: 1624

Re: How early to get to an airport (JFK specifically) for domestic flight

No one knows this answer better than the airlines. I take their advice which is 2 hours early for domestic and 3 hours for international. This has worked for me for every flight except 1 at all the airports I've been to including the busy ones like JFK and LAX. I usually travel for business in the m...
by mmmodem
Wed Jul 25, 2018 12:34 pm
Forum: Personal Consumer Issues
Topic: Cablevisions Bill
Replies: 31
Views: 1326

Re: Cablevisions Bill

My Comcast Bill is $270 per month. We have 4 boxes, internet and cable. We end up watching Netflix most of the time, but I love live sports and the Mets(yuck) on SNY. I also enjoy the BigTen Network and some others. I've been seriously considering cutting the cord but am so bad with technology I fe...
by mmmodem
Wed Jul 25, 2018 11:56 am
Forum: Personal Consumer Issues
Topic: Back Car Lights all went out
Replies: 25
Views: 954

Re: Back Car Lights all went out

If the fuses are good, the bulbs themselves may be burnt out. It's highly unlikely that they would happen at the same time but it is possible. I'd rather buy a pair of bulbs for $3.50 before paying $110 for a diagnostic.
by mmmodem
Wed Jul 25, 2018 8:12 am
Forum: Personal Finance (Not Investing)
Topic: Should I pay off my auto loan?
Replies: 36
Views: 5625

Re: Should I pay off my auto loan?

Thanks. I don’t have any debt, have a few credit cards all paid in full per month. I don’t have a mortgage but may want to buy on the next year so my credit rating is very important to me. You should check your credit score now. If it's already in the 800's, there is no need to keep the auto loan a...
by mmmodem
Wed Jul 25, 2018 7:57 am
Forum: Personal Consumer Issues
Topic: iphone purchase
Replies: 19
Views: 2101

Re: iphone purchase

Be careful. There is no S for this year's iPhone line. There is an SE and it's a 6S CPU in 5S shell. The line up is SE, 8, 8+, & X. You don't want an SE. Sister has an X and I've tested it (and annoyed her) multiple times by flashing it in front of her face. It unlocks fairly quickly albeit a tad sl...
by mmmodem
Tue Jul 24, 2018 11:01 am
Forum: Personal Consumer Issues
Topic: Ashley furniture experience? 2000 dollars for 13x8x8 sectional
Replies: 40
Views: 3934

Re: Ashley furniture experience? 2000 dollars for 13x8x8 sectional

I'm not aware of Ashley furniture quality being better or worse than the competition. I always considered them a retailer like BestBuy. They're the dealer as far as I know. The quality will depend on the product you buy. We get great prices versus the competition, good customer service, and a wide s...
by mmmodem
Mon Jul 23, 2018 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Mother-in-Law criticizing my wife over our recent house purchase
Replies: 38
Views: 2863

Re: Mother-in-Law criticizing my wife over our recent house purchase

When it comes to inlaws, my recommendation is to grin and bear it. Anything else you do risks adding stress to your spouse. My SIL is also unpleasant. I'm sure she feels the same way about me. We exchange mutual greetings and that is it. There is no small talk. She will take any seemingly random rem...
by mmmodem
Mon Jul 23, 2018 2:28 pm
Forum: Personal Consumer Issues
Topic: Verizon streaming issues
Replies: 32
Views: 1305

Re: Verizon streaming issues

75 mb should be enough for 15 devices for HD content and 3 devices for 4k content according to Netflix. I like Netflix, a lot, but that’s a bit like asking the fox what kind of fence is required to keep the chickens safe. In my experience, you need more speed to avoid buffering and resolution degra...
by mmmodem
Mon Jul 23, 2018 12:04 pm
Forum: Personal Consumer Issues
Topic: Verizon streaming issues
Replies: 32
Views: 1305

Re: Verizon streaming issues

We have 20 mbit speed with 5 devices streaming HD content on Netflix, YouTube, & DirecTV with nary an issue. Given your statement that this only happens when two people try to watch Netflix suggests this isn't a router/wifi issue. If just one of the devices can connect fine anywhere in the home, per...
by mmmodem
Mon Jul 23, 2018 8:29 am
Forum: Personal Consumer Issues
Topic: Engineers come in.
Replies: 108
Views: 7633

Re: Engineers come in.

With regards to Calculus, I took Calculus I, II, III and Differential Equations. I found Cal II to be the most difficult of all of them. That may be just me. Agree with above. I'll also add that my Calc 1 professor said, students on average drop 1 grade with each Calc class with the exception of Ca...
by mmmodem
Mon Jul 23, 2018 7:43 am
Forum: Personal Consumer Issues
Topic: Craigslist payment by PayPal - safe or scam?
Replies: 51
Views: 2928

Re: Craigslist payment by PayPal - safe or scam?

That is textbook scam. One of two things will happen if you fall for this scam. 1. An actual payment is made through paypal. You'll receive a genuine confirmation. However, there will be a hold on the transfer of funds. PayPal will notify you of this hold. Some people don't notice the funds are on h...
by mmmodem
Thu Jul 19, 2018 10:10 am
Forum: Personal Consumer Issues
Topic: Passport expiration time rules for France
Replies: 34
Views: 2394

Re: Passport expiration time rules for France

FYI, we went to France two years ago. DW's passport was renewed in about 4 weeks. The US passport site is very comprehensive. They tell you what the current expected turn around time is so you know if they are running slow for any reason. You can decide if you want to pay the expedite. They tell you...
by mmmodem
Thu Jul 19, 2018 9:15 am
Forum: Personal Consumer Issues
Topic: Watch Collection Reasonable or Unreasonable or Irresponsible?
Replies: 104
Views: 4971

Re: Watch Collection Reasonable or Unreasonable or Irresponsible?

If someone asked you if they should spend what amounts to 1/3 of their retirement accounts not counting their home on a watch collection, I think you would consider that irresponsible. However, echoing others, I wouldn't sell it. You likely didn't spend $80k all at once and perhaps arrived at this f...
by mmmodem
Sat Jul 14, 2018 7:34 am
Forum: Personal Consumer Issues
Topic: Someone is using my cellphone number
Replies: 21
Views: 2867

Re: Someone is using my cellphone number

It's likely someone gave the wrong cell phone number when they ordered at best buy. I wouldn't be too worried about. If you don't shop best buy, feel free to block the number. I also wouldn't be upset at best buy for not being able to remove your phone number. Would you want to be customer to a busi...
by mmmodem
Fri Jul 13, 2018 9:29 am
Forum: Personal Consumer Issues
Topic: Buying Used Honda/Toyota -- How old is too old?
Replies: 16
Views: 1236

Re: Buying Used Honda/Toyota -- How old is too old?

I view electronic stability control and anti-lock brakes as mandatory safety equipment. I believe they were standard in 2005 for both CRV and RAV4. So no older than 2005.
by mmmodem
Sat Jul 07, 2018 11:32 pm
Forum: Personal Consumer Issues
Topic: Tipping in a hotel room/cruise ship room
Replies: 57
Views: 4186

Re: Tipping in a hotel room/cruise ship room

I tip the recommended at the end of the cruise charged to my credit card. If someone does an outstanding job, I will also tip them cash at the end. Usually, it's $20-$40 depending on length of the cruise. I know these people are underpaid according to our standards. But many of them have told me the...
by mmmodem
Sat Jul 07, 2018 3:50 am
Forum: Personal Finance (Not Investing)
Topic: How do normal people afford the Bay Area?
Replies: 48
Views: 5198

Re: How do normal people afford the Bay Area?

Here is one (longish) story from a self-proclaimed “normal “ person living in the Bay Area. In my 20s, I lived with roommates and rented. When I got married, my wife and I continued to rent for a few years. I’m a teacher and she worked for a small business. We made a combined salary of around $120k...
by mmmodem
Fri Jul 06, 2018 12:52 am
Forum: Personal Finance (Not Investing)
Topic: Pay off my car or trade in on new?
Replies: 36
Views: 1796

Re: Pay off my car or trade in on new?

P.S. I had my Passat 5 years, MKV GLI 4, MKVI GLI 1, S3 2.5 Nice downward trend in shorter durations of car ownership. :wink: It looks like you're a VW faithful. It's interesting Honda was able to make you think twice. Good thing you aren't looking at the dealer-gouging Civic Type R. Whether you fe...
by mmmodem
Thu Jul 05, 2018 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off my car or trade in on new?
Replies: 36
Views: 1796

Re: Pay off my car or trade in on new?

OP, I'll be honest with you. It's painfully obvious to me that you are tired of your S3 and want justification for a new vehicle. While your math may say you'll save money switching to a GTI or Si, the reality is you'll switch to another car in another couple of years. How long did you own your prev...
by mmmodem
Thu Jul 05, 2018 7:12 am
Forum: Personal Finance (Not Investing)
Topic: Evaluating New Job Offer
Replies: 24
Views: 1682

Re: Evaluating New Job Offer

$112000 / (2080 - (28 days PTO x 8)) = $60.34 effective hourly pay $165000 / (2080 - (15 days PTO x 8) + (3 hours commute x 47 weeks x 5 days)) = $61.91 effective hourly pay The math says both jobs pay similarly by the hour. I wouldn't mind driving 3 hours a day for $186. Uber drivers work a whole ...
by mmmodem
Wed Jul 04, 2018 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Evaluating New Job Offer
Replies: 24
Views: 1682

Re: Evaluating New Job Offer

$112000 / (2080 - (28 days PTO x 8)) = $60.34 effective hourly pay $165000 / (2080 - (15 days PTO x 8) + (3 hours commute x 47 weeks x 5 days)) = $61.91 effective hourly pay The math says both jobs pay similarly by the hour. I wouldn't mind driving 3 hours a day for $186. Uber drivers work a whole s...
by mmmodem
Tue Jul 03, 2018 8:13 am
Forum: Personal Consumer Issues
Topic: How do I fix my heating bill?
Replies: 73
Views: 3445

Re: How do I fix my heating bill?

CedarWaxWing wrote:
Mon Jul 02, 2018 9:18 pm
1. Turn the heat down to 60 degrees. We do that all winter.
Ditto above.

We set the thermostat at 60 in the winter. I would go lower if I could but don't want to risk freezing pipes. We have a space heater in the bedroom set at ~68 and just put on a jacket if we need to go to the kitchen.
by mmmodem
Tue Jul 03, 2018 6:27 am
Forum: Personal Consumer Issues
Topic: Repair Vehicle or Move On?
Replies: 22
Views: 1550

Re: Repair Vehicle or Move On?

It's just math. If you can find another vehicle for less than the cost of your vehicle plus the repair, you sell. $2500 car as-is + $4500 - $5000 repair = $7000 - $7500 Can you find another 2006 Lexus GX with similar miles for that price? A cursory look at Craigslist says no. I'd repair. Even if you...
by mmmodem
Fri Jun 29, 2018 10:59 am
Forum: Personal Consumer Issues
Topic: Cheapest way to buy a phone in 2018?
Replies: 73
Views: 7125

Re: Cheapest way to buy a phone in 2018?

I usually buy new phones within the 3 months initially following their release. That's when the best trade-in deals occur. Last year, we traded in an iPhone 6 for half off an iPhone 8. That's $350 for a phone worth $200 at best. The catch was the credit was paid back with 24 months of service. I don...
by mmmodem
Fri Jun 29, 2018 7:33 am
Forum: Personal Consumer Issues
Topic: Anyone use T-mobile cell network?
Replies: 32
Views: 1854

Re: Anyone use T-mobile cell network?

You don't get full coverage when using unlocked phones from one carrier to another especially if they are older phones. Each carrier uses different radio bands to ensure full coverage. If you're in a major metropolitan area, you'll be fine. For example, we live in a rural area using TMobile. T mobil...
by mmmodem
Tue Jun 26, 2018 2:45 pm
Forum: Personal Consumer Issues
Topic: AT&T streaming TV service WatchTV - $15 per month
Replies: 6
Views: 650

Re: AT&T streaming TV service WatchTV - $15 per month

Thanks for the heads up! I only get 5 channels using a roof top antenna where I live. I didn't like the SlingTV interface but the price was right. YouTube TV had a really annoying DVR function. I'm currently using DirecTV Now and am very happy with it. I imagine this new AT&T plan will use the same ...
by mmmodem
Tue Jun 26, 2018 1:16 pm
Forum: Personal Consumer Issues
Topic: Planning for children
Replies: 18
Views: 1605

Re: Planning for children

Echoing above, a 529 is near the bottom of the list for us in terms of financial planning for our children. Maxing out our retirement and HSA and paying off the primary mortgage is more important to us than the 529.

Also consider a dependent care FSA when your daughter is older.
by mmmodem
Tue Jun 26, 2018 1:01 pm
Forum: Personal Consumer Issues
Topic: Cheap simple tablets?
Replies: 28
Views: 2778

Re: Cheap simple tablets?

ChinchillaWhiplash wrote:
Mon Jun 25, 2018 9:50 pm
Decided to try the Fire 10. Certified used from Amazon. Hope it works out. Thanks for all the info!
I plan to get one on Prime Day. They say it might be on July 16 this year. I'm hoping the sale price will be $100 like it was on Black Friday.
by mmmodem
Tue Jun 26, 2018 12:55 pm
Forum: Personal Consumer Issues
Topic: Family dynamics/in laws/am I being petty?
Replies: 143
Views: 7331

Re: Family dynamics/in laws/am I being petty?

So beat your SIL to the bill next time and tell her how much they owe. My family is much different...we always end up racing to figure out who is going to pay the whole bill. It has gotten to the point where you have to sneak your CC to the waitress before we even order and tell her not to even bri...
by mmmodem
Tue Jun 26, 2018 7:52 am
Forum: Personal Finance (Not Investing)
Topic: Leaving my job with no replacement - ok to get a new car loan now?
Replies: 11
Views: 1142

Re: Leaving my job with no replacement - ok to get a new car loan now?

Given you have another car and you can pay off the new one with cash, the risk of not being able to get a new car is mitigated. However, with the uncertainty on the duration of an illness and a job search, the risk on the expense of a new car with no job to go to isn't worth it. I know you won't be ...
by mmmodem
Tue Jun 26, 2018 6:40 am
Forum: Personal Consumer Issues
Topic: Repair old refrigerator or purchase new
Replies: 24
Views: 1756

Re: Repair old refrigerator or purchase new

Thanks all! 35 degrees this morning at the bottom of the fridge. Saved myself a $1000. I'll remember this thread to work on the thermostat if the temperature goes wonky again.
by mmmodem
Tue Jun 26, 2018 6:06 am
Forum: Personal Finance (Not Investing)
Topic: Buying new home while selling current one Qs
Replies: 35
Views: 2681

Re: Buying new home while selling current one Qs

Thanks for giving us the update! The second most out important thing about buying a home is to not rush it. There isn't one perfect home out there for each person. There are many homes out there. Chances are good that another fantastic home that fit your needs and wants will go on the market. I've p...
by mmmodem
Mon Jun 25, 2018 9:16 am
Forum: Personal Consumer Issues
Topic: Repair old refrigerator or purchase new
Replies: 24
Views: 1756

Re: Repair old refrigerator or purchase new

Didn't find any cheese but found dustballs the size of a rat all over the condenser coils. Thought it was a dead rodent at first. Temps have already gone down 2 degrees to 43 after vacuuming. If temps don't go below 40 in the next couple of days, I'll buy the defroster sensor next.
by mmmodem
Mon Jun 25, 2018 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Buying new home while selling current one Qs
Replies: 35
Views: 2681

Re: Buying new home while selling current one Qs

You can't borrow for the down payment as there must be a paper trail for any funds in your bank account for less than 60 days typically. It has to be gifted money if you receive money from family and that may trigger taxable consequences. 401k/403b loan terms are specific to every company but $1200 ...
by mmmodem
Mon Jun 25, 2018 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Sudden appearance of multiple buyers real or negotiation tactic?
Replies: 61
Views: 4136

Re: Sudden appearance of multiple buyers real or negotiation tactic?

I would have a major problem with my realtor if they even hinted at doing something dishonest. In fact, it's usually me asking "creative" questions that sparks a rebuke from them on legality. It just isn't worth the risk to their reputation to engage in dishonest activities. Likely, the owner had tw...