Search found 1420 matches

by squirm
Wed Sep 19, 2018 11:02 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 196
Views: 11408

Re: What is your single most expensive mistake?

For all of you who are I assume in index funds now saying selling AAPL, NFLX, or whatever other individual stock that took off, is that really a mistake? By that logic, couldn't not-buying yesterday's winning lottery ticket be considered a mistake? Edward Jones, for me I thought the same thing. By ...
by squirm
Sun Sep 16, 2018 11:03 pm
Forum: Personal Consumer Issues
Topic: WSJ print edition renwal time - any discounts?
Replies: 55
Views: 3224

Re: WSJ print edition renwal time - any discounts?

I like the print edition. Been getting it for 20+ years.
by squirm
Sun Sep 16, 2018 11:58 am
Forum: Personal Consumer Issues
Topic: Using Lastpass as your password manager
Replies: 34
Views: 3584

Re: Using Lastpass as your password manager

Are there any password managers that use the windows biometric framework for logins?
by squirm
Thu Sep 13, 2018 11:18 pm
Forum: Personal Consumer Issues
Topic: Is home alarm monitoring worth it?
Replies: 56
Views: 3720

Re: Is home alarm monitoring worth it?

Just make it look like someone is home. Most TV's are efficient, so leave one on when you're not home. Leave some lights on, radio etc. You can also put up some fake signs, maybe even a fake camera or two, put up a beware of dog sign. So they smash and grab the TV Radio Shack used to sell more alar...
by squirm
Thu Sep 13, 2018 10:18 pm
Forum: Personal Consumer Issues
Topic: Is home alarm monitoring worth it?
Replies: 56
Views: 3720

Re: Is home alarm monitoring worth it?

Just make it look like someone is home. Most TV's are efficient, so leave one on when you're not home. Leave some lights on, radio etc. You can also put up some fake signs, maybe even a fake camera or two, put up a beware of dog sign, put up a sign that says "Attention thieves, please carry ID so we...
by squirm
Sat Sep 08, 2018 10:01 pm
Forum: Personal Consumer Issues
Topic: Older Toyota/Honda/Similar owners: How often do you clean your car?
Replies: 36
Views: 2104

Re: Older Toyota/Honda/Similar owners: How often do you clean your car?

I polish our Honda once a year, wash it about once a week and vacuum it about twice a month. I also make sure to clean the sills. I'll take a damp microfiber and clean the dash and windows about once a month. I rarely do the drive through, they never do a good job on the rims. I clean the engine wit...
by squirm
Sat Sep 08, 2018 5:43 pm
Forum: Personal Consumer Issues
Topic: Using Lastpass as your password manager
Replies: 34
Views: 3584

Re: Using Lastpass as your password manager

I use lastpass as my password manager for all our investment accounts (including wife's). Everything is in there including the security questions. Is this a normal practice? Ironically I end up feeling vulnerable...I just have a feeling hackers would have a field day if there was some sort of breac...
by squirm
Sat Sep 08, 2018 2:00 pm
Forum: Personal Consumer Issues
Topic: Is it sensible to buy a car from Elon Musk?
Replies: 59
Views: 2996

Re: Is it sensible to buy a car from Elon Musk?

I would definitely consider a M3 or some other Tesla. I don't think his behavior has been that strange (I've seen way worse). The guy has made huge accomplishments and I hope those accomplishments continue to flourish. I listened to the pot-cast and found it very interesting. I never understood why ...
by squirm
Sat Sep 08, 2018 1:48 pm
Forum: Personal Consumer Issues
Topic: Using Lastpass as your password manager
Replies: 34
Views: 3584

Using Lastpass as your password manager

I use lastpass as my password manager for all our investment accounts (including wife's). Everything is in there including the security questions. Is this a normal practice? Ironically I end up feeling vulnerable...I just have a feeling hackers would have a field day if there was some sort of breach...
by squirm
Thu Sep 06, 2018 10:52 pm
Forum: Personal Consumer Issues
Topic: taking home equity for credit card debt?
Replies: 19
Views: 1207

Re: taking home equity for credit card debt?

You have to be careful, I've known people that paid off their high interest credit card with a low interest loan, equity, etc, only to end up never paying it off in full. The rational was, the interest rate is low, so there is less motivation to pay off the low rate loan.
by squirm
Thu Sep 06, 2018 10:46 pm
Forum: Personal Consumer Issues
Topic: Selling a newish vehicle yourself, how to do it?
Replies: 61
Views: 3025

Re: Selling a newish vehicle yourself, how to do it?

Whenever I read the bogglehead advice on selling a car I always chuckle. First, it assumes criminal masterminds are out for your $5k car. Then, it assumes that a normal buyer will put up with your paranoid demands instead of buying just one of the thousands of other cars available. If someone asked...
by squirm
Thu Sep 06, 2018 10:41 pm
Forum: Personal Consumer Issues
Topic: Selling a newish vehicle yourself, how to do it?
Replies: 61
Views: 3025

Re: Selling a newish vehicle yourself, how to do it?

After reading all these responses about meeting at the PD and being vigilant regarding scams, sounds like the best option is just sell it to Carmax. I'm very pro Craigslist, and sold my Lotus to someone who flew in (I picked him up at the airport), but until the cashier's check fully cleared, I was...
by squirm
Thu Sep 06, 2018 7:34 pm
Forum: Personal Consumer Issues
Topic: Selling a newish vehicle yourself, how to do it?
Replies: 61
Views: 3025

Re: Selling a newish vehicle yourself, how to do it?

After reading all these responses about meeting at the PD and being vigilant regarding scams, sounds like the best option is just sell it to Carmax.
by squirm
Thu Sep 06, 2018 8:26 am
Forum: Personal Consumer Issues
Topic: Elderly (innocent) relative received this horrible email
Replies: 51
Views: 5791

Re: Elderly (innocent) relative received this horrible email

I just read the first half but Sounds like a typical email scam to me. Just change the passwords if you feel uncomfortable, I suggest 2fa then forget about it. Set the email to exclusive, maybe that will be best for her. My elderly mom gets all sorts of crap including sexual emails. I'm the one that...
by squirm
Wed Sep 05, 2018 8:18 am
Forum: Personal Consumer Issues
Topic: Walmart is not Amazon
Replies: 54
Views: 6712

Re: Walmart is not Amazon

Wally World called me to resolve a return issue, I was very surprised, good for them (although my wife still says shopping at WW is like shopping in an armpit).
by squirm
Wed Sep 05, 2018 8:14 am
Forum: Personal Consumer Issues
Topic: How to "waste" money on groceries?
Replies: 109
Views: 9412

Re: How to "waste" money on groceries?

The best way to waste money on food is to convince yourself there is a difference in taste or quality that you receive in exchange for an increase in price when it’s really not there. This could be due to brand distinction or the organic/non-organic distinction. Both food and money have a good bit ...
by squirm
Wed Sep 05, 2018 8:11 am
Forum: Personal Consumer Issues
Topic: How to "waste" money on groceries?
Replies: 109
Views: 9412

Re: How to "waste" money on groceries?

Shopping at warehouses like Costco can be a waste. You end up buying more and it either spoils, molds or gets thrown out.
by squirm
Tue Sep 04, 2018 10:52 pm
Forum: Personal Consumer Issues
Topic: Daily Driver (Car) Over 100K Miles?
Replies: 96
Views: 6851

Re: Daily Driver (Car) Over 100K Miles?

We probably drive more than most folks here, about 40K miles per year. Most of it's on our Accord. We'll keep it for another year, by then it'll be about 170K. We could keep it longer I guess, but I'll probably buy another two year old car, like I did with our Accord. I don't do a mountain of resear...
by squirm
Mon Sep 03, 2018 6:42 pm
Forum: Personal Consumer Issues
Topic: Walmart is not Amazon
Replies: 54
Views: 6712

Re: Walmart is not Amazon

Wally World still is way behind on their website. When I search for items on Wally World dot com, I still get a bunch of unrelated junk. On the other hand what bothers me about Amazon is all the "sponsored" results and fake reviews. But Wally World seems to be the underdog here, so I'm rooting for ...
by squirm
Mon Sep 03, 2018 6:40 pm
Forum: Personal Consumer Issues
Topic: Neighbor Fencing question
Replies: 50
Views: 3907

Re: Neighbor Fencing question

Just ask him what the estimate is and if it is reasonable pay half. Don't be one of those neighbors that overthink this and not willing to pay. When we lived in a house with shared fences I replaced all the fences myself because they were rotted. The neighbors that never paid me a cent remained on m...
by squirm
Mon Sep 03, 2018 12:30 pm
Forum: Personal Consumer Issues
Topic: Walmart is not Amazon
Replies: 54
Views: 6712

Re: Walmart is not Amazon

Wally World still is way behind on their website. When I search for items on Wally World dot com, I still get a bunch of unrelated junk. On the other hand what bothers me about Amazon is all the "sponsored" results and fake reviews. But Wally World seems to be the underdog here, so I'm rooting for W...
by squirm
Sun Sep 02, 2018 11:39 am
Forum: Personal Consumer Issues
Topic: Lexus vs. Mercedes
Replies: 86
Views: 6350

Re: Lexus vs. Mercedes

Maybe some people enjoy driving (maybe you're retired) but I can't no matter what the car I'm driving. I put 35k to 40k miles per year on our cars. Almost every one on those miles sucks, because there are too many idiot drivers on the road playing with their phones during congested commute. So my w...
by squirm
Sun Sep 02, 2018 9:14 am
Forum: Personal Consumer Issues
Topic: Lexus vs. Mercedes
Replies: 86
Views: 6350

Re: Lexus vs. Mercedes

Maybe some people enjoy driving (maybe you're retired) but I can't no matter what the car I'm driving. I put 35k to 40k miles per year on our cars. Almost every one on those miles sucks, because there are too many idiot drivers on the road playing with their phones during congested commute. So my wi...
by squirm
Sat Sep 01, 2018 7:24 pm
Forum: Personal Consumer Issues
Topic: How do you save money on groceries?
Replies: 155
Views: 9620

Re: How do you save money on groceries?

-buy in bulk when it makes sense from warehouse clubs -meal plan -cook from scratch as much as possible -cook more than needed and benefit from leftovers -optimize credit card usage - at a minimum use a BoA cash rewards card (2% back grocery stores/Walmart/warehouse clubs) I went out to lunch today...
by squirm
Sat Sep 01, 2018 3:22 pm
Forum: Personal Consumer Issues
Topic: Lexus vs. Mercedes
Replies: 86
Views: 6350

Re: Lexus vs. Mercedes

Why do you make the assumption that OP is “trying to convey something to other people?” I'm not saying OP is doing this but many people do. Your car says something about you whether you want it to or not. Subconsciously, this is how most people choose a car that fits their persona and there are sur...
by squirm
Sat Sep 01, 2018 2:02 pm
Forum: Personal Consumer Issues
Topic: Installing a new toilet - shut off valve and wax ring
Replies: 33
Views: 2192

Re: Installing a new toilet - shut off valve and wax ring

I usually double up the wax ring.
by squirm
Sat Sep 01, 2018 1:54 pm
Forum: Personal Consumer Issues
Topic: The twenty dollar rule
Replies: 44
Views: 3830

Re: The twenty dollar rule

I'm laughing that folks think this is going to lead to divorce. My spouse doesn't want me wasting money on necklaces and bracelets either. Neither does mine. My wife grew up dirt poor, lived in a dirty trailer in a ghetto. She's now a very successful manager. We have no desire to flaunt our earring...
by squirm
Sat Sep 01, 2018 1:44 pm
Forum: Personal Consumer Issues
Topic: The twenty dollar rule
Replies: 44
Views: 3830

Re: The twenty dollar rule

My wife shops at thirft stores, twenty bucks goes a long way there.
by squirm
Sat Sep 01, 2018 12:27 pm
Forum: Personal Consumer Issues
Topic: Should I go ahead and replace noisy washing machine now or wait?
Replies: 11
Views: 502

Re: Should I go ahead and replace noisy washing machine now or wait?

Sounds like a bearing, same thing happened to my mother's Neptune. Just get a new washer.
by squirm
Fri Aug 31, 2018 12:26 am
Forum: Personal Consumer Issues
Topic: Bosch dishwasher odor
Replies: 34
Views: 2436

Re: Bosch dishwasher odor

Our Bosch got so disgusting it smelled like someone dropped a load in it. The house came with it...Not sure why anyone would buy a Bosch, I was ready to take it out to the woodshed. I cleaned and scrubbed everything with dishwasher soap and vinegar and took everything apart and cleaned it. I now run...
by squirm
Wed Aug 29, 2018 11:05 pm
Forum: Personal Consumer Issues
Topic: Negotiating with XM
Replies: 27
Views: 2566

Re: Negotiating with XM

I've been playing this stupid game with them for at least six years. I put a reminder on my calendar for the day prior to renewal and call in to "cancel." This always results in a transfer to their off-shore retention department. I give them the spiel that I want to cancel if I don't receive the sa...
by squirm
Wed Aug 29, 2018 11:03 pm
Forum: Personal Consumer Issues
Topic: Negotiating with XM
Replies: 27
Views: 2566

Re: Negotiating with XM

Got my past due amount of $40 removed too. With all the other listening options these days was really considering ditching XM but the wife just wants to just push a button and music comes on.
by squirm
Wed Aug 29, 2018 5:41 pm
Forum: Personal Consumer Issues
Topic: Negotiating with XM
Replies: 27
Views: 2566

Re: Negotiating with XM

Yeah I'm on the phone with them as I'm typing.
6 months for $30 with the "let me check on that". She's sweet though.

I end up doing this for a lot of the services including dsl... My wife wouldn't want any part of it...
by squirm
Wed Aug 29, 2018 2:25 pm
Forum: Personal Consumer Issues
Topic: YouTube Car Reviewers
Replies: 18
Views: 1954

Re: YouTube Car Reviewers

I like Honda Laura
:wink:
by squirm
Wed Aug 29, 2018 1:24 pm
Forum: Personal Consumer Issues
Topic: How do you save money on groceries?
Replies: 155
Views: 9620

Re: How do you save money on groceries?

Sam's club, Wally world, and the local grocery market. Also don't be afraid to take back bad produce. Wally world will take it back without having to bring in the produce...I do that sometimes.
by squirm
Wed Aug 29, 2018 1:21 pm
Forum: Personal Consumer Issues
Topic: Shop at Sears?
Replies: 14
Views: 1101

Shop at Sears?

Sister was telling me she's thinking of getting some appliances at Sears, though didn't say what type. I told her Sears is dying and think twice about that. I'm sure the manufactures warranty would be in effect, but unless there's some incredible deal why make things more complicated?
by squirm
Tue Aug 28, 2018 10:33 pm
Forum: Personal Consumer Issues
Topic: Negotiating with XM
Replies: 27
Views: 2566

Negotiating with XM

So it's that time again to negotiate a better rate with XM. This time I let my subscription expire in it's entirety, meaning we no longer receive XM, usually I wait until it's almost expired and then threaten to cancel. We have three devices, one being a lifetime device. The other two are the cars. ...
by squirm
Tue Aug 28, 2018 8:15 am
Forum: Personal Consumer Issues
Topic: Cars... just another tool unless your a tool.
Replies: 28
Views: 2587

Re: Cars... just another tool unless your a tool.

We've taught our kids, (I hope) that a lot of people drive cars they can't afford to flaunt their image and a most of those times they're having to make car payments.
by squirm
Tue Aug 28, 2018 8:10 am
Forum: Personal Consumer Issues
Topic: Cars... just another tool unless your a tool.
Replies: 28
Views: 2587

Re: Cars... just another tool unless your a tool.

I have some family members that act like cars are the best thing in their life. I don't get it either, I just want to get from point a to point b. I usually get a kick how some justify a car purchase One cousin said he needed to buy a Prius because gas prices were going up. I told him he'd be paying...
by squirm
Sat Aug 25, 2018 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: How do you calculate net worth with pensions?
Replies: 105
Views: 6562

Re: How do you calculate net worth with pensions?

Okay, I've done this. The payout is about $70K at age 55 (in 3 years). Let's say to age 85. That's 30 years...There is a COLA but for now let's say none. That's $2.1 million...
by squirm
Sat Aug 25, 2018 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: How do you calculate net worth with pensions?
Replies: 105
Views: 6562

How do you calculate net worth with pensions?

My brother and SIL have pensions. He asked me how do you account your net worth when you have pensions. I told him I really don't know, unless you basically calculate the present worth of it. You will need to find out when you start collecting the benefits and for how long and if there is a spousal ...
by squirm
Sat Aug 25, 2018 2:50 pm
Forum: Personal Consumer Issues
Topic: Is it worth chasing down this $10 fee?
Replies: 38
Views: 3047

Re: Is it worth chasing down this $10 fee?

10 bucks for maybe a 5 minute call...I'd say go for it...
by squirm
Sat Aug 25, 2018 9:52 am
Forum: Personal Consumer Issues
Topic: Sheraton Kauai timeshare
Replies: 35
Views: 3820

Re: Sheraton Kauai timeshare

If I have to worry about the timeshare shark making enough to feed his family, I'll suggest he get into another profession. Wife and I stayed at this place before a few times but not since their converting them to timeshare. I'd rather slash my wrist then get stuck in a timeshare so I have no intent...
by squirm
Wed Aug 22, 2018 7:46 pm
Forum: Personal Consumer Issues
Topic: Graduate Degree Mistakenly (?) Conferred - What to Do? [solved]
Replies: 76
Views: 7244

Re: Graduate Degree Mistakenly (?) Conferred - What to Do?

You'll need to contact the school and verify and reverify. I have woken up in a sweat a few times in the past from dreams I actually never graduated. Auggg, what a terrible dream. I place high value on my bachelor's in engineering degree and wouldn't ever want that baby taken from me. I have recurr...
by squirm
Tue Aug 21, 2018 11:53 pm
Forum: Personal Consumer Issues
Topic: Toyota Camry - Considering Purchase - Panoramic Sunroof?
Replies: 30
Views: 1773

Re: Toyota Camry - Considering Purchase - Panoramic Sunroof?

I never see anyone using sunroofs, we have it on our car (came with the trim) but never use it.
by squirm
Tue Aug 21, 2018 2:31 pm
Forum: Personal Consumer Issues
Topic: Graduate Degree Mistakenly (?) Conferred - What to Do? [solved]
Replies: 76
Views: 7244

Re: Graduate Degree Mistakenly (?) Conferred - What to Do?

You'll need to contact the school and verify and reverify.
I have woken up in a sweat a few times in the past from dreams I actually never graduated. Auggg, what a terrible dream. I place high value on my bachelor's in engineering degree and wouldn't ever want that baby taken from me.
by squirm
Mon Aug 20, 2018 8:48 pm
Forum: Personal Consumer Issues
Topic: Online vs Classroom
Replies: 14
Views: 995

Re: Online vs Classroom

I vote classroom. Online there isn't much of a motivation factor, plus all the other cues. Universities like online it because it's cheap, students like it because you get to sit in your living room...not a good combination.
by squirm
Sun Aug 19, 2018 12:17 pm
Forum: Personal Consumer Issues
Topic: My son was scammed on Craigslist- how to get money back
Replies: 46
Views: 7576

Re: My son was scammed on Craigslist- how to get money back

Probably gone. A lesson learned. Most people get scammed at some point, I was scammed around 22 years old, bought a $500 water filter that turned out to be a scam.
by squirm
Sat Aug 18, 2018 6:53 pm
Forum: Personal Consumer Issues
Topic: The Fall of Consumer Reports
Replies: 89
Views: 14876

Re: The Fall of Consumer Reports

Sometimes with reviews I'd like to know more about the other person. For example, if I'm looking for a tool, is it some dumb 15 year old writing a review about it or someone with 20 years of working with tools. That's one reason why I like youtube reviews, I can get a sense of who is doing the revie...