Search found 1523 matches

by Saving$
Mon Dec 11, 2017 11:26 pm
Forum: Personal Consumer Issues
Topic: SodaStream Jet vs SodaStream Fizzi vs no SodaStream
Replies: 4
Views: 313

Re: SodaStream Jet vs SodaStream Fizzi vs no SodaStream

Thanks. The appeal of the Jet is that it can take both the 60l and the 130l cartridges.
The BBB near my house sells the 130l cartridges and the 130l refills.
by Saving$
Mon Dec 11, 2017 11:24 pm
Forum: Personal Consumer Issues
Topic: Moto G5 Plus: Software updates?
Replies: 76
Views: 3855

Re: Moto G5 Plus: Software updates?

Interesting thread. Re Privacy & Maps: In the interest of protecting my privacy, I regularly turn off location services on my Moto G5+ unless I am using the Map wayfinding feature. Re Remote kill of the phone: I did not know about the "Find, Lock or Erase a lost Android." Thank you for the link abov...
by Saving$
Mon Dec 11, 2017 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: Experiences with Quicken to GNUCash Conversion.
Replies: 14
Views: 1071

Re: Experiences with Quicken to GNUCash Conversion.

I experimented several years ago, but GnuCash would not support tags (in addition to categories). I needed tags for project based tracking (rental properties, etc.). Does GnuCash now support tags?
by Saving$
Mon Dec 11, 2017 9:23 pm
Forum: Personal Consumer Issues
Topic: SodaStream Jet vs SodaStream Fizzi vs no SodaStream
Replies: 4
Views: 313

SodaStream Jet vs SodaStream Fizzi vs no SodaStream

Considering a SodaStream device as my household currently purchases alot of Seltzer water and I live in an area with good tasting tap water. Sodastream seems to offer the following: 1. Eliminates the burden of lugging the heavy 2 liter bottles of Seltzer from the grocery to the car, and from the car...
by Saving$
Sun Dec 03, 2017 4:09 pm
Forum: Personal Consumer Issues
Topic: Moto G5 Plus: Software updates?
Replies: 76
Views: 3855

Re: Moto G5 Plus: Software updates?

One more thing - when you first get the phone, it will use alot of data loading updates. Be sure to connect it to WiFi, and the initial load and updates seem to go on for days - I think certain things must update, after which other things update, and the phone probably only pings once every 24 hours...
by Saving$
Sun Dec 03, 2017 11:09 am
Forum: Personal Consumer Issues
Topic: Moto G5 Plus: Software updates?
Replies: 76
Views: 3855

Re: Moto G5 Plus: Software updates?

Under the influence of Bogleheads recommendations and low prices, I have ordered a Motorola Moto G5 Plus. This will be essentially my first smartphone. I bought another phone several years ago, tried it, got stuck on some function, and put it back into the box, where it still resides. I hope to be ...
by Saving$
Sun Nov 26, 2017 6:47 pm
Forum: Personal Consumer Issues
Topic: Etiquette question: Paying for meals out & out of town guests
Replies: 79
Views: 5542

Re: Etiquette question: Paying for meals out & out of town guests

I think the answer totally depends upon the relative situations of the parties. If there is economic parity, or even if not, if both parties are well to do enough to afford the dinner, then the person receiving the free hospitality should absolutely treat the hosts family to a meal out. However, fam...
by Saving$
Sun Nov 26, 2017 2:27 pm
Forum: Personal Consumer Issues
Topic: Removing stains from outdoor masonry
Replies: 6
Views: 379

Re: Removing stains from outdoor masonry

What type of stains? If they are white, the stains are probably efflorescence, which are deposits of salts picked up inside the masonry and mortar as water travels through and left on the surface as the water dries to the exterior. Power washing will only force more water in and is likely to make it...
by Saving$
Tue Nov 21, 2017 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: Help DW gets fired, but then next day her boss offers her job back
Replies: 156
Views: 12053

Re: Help DW gets fired, but then next day her boss offers her job back

Depends upon 1. Sounds like your wife's employer was laying her off, rather than firing her. Firing is usually for cause. Did the employer already give your wife any termination paperwork, or was it all verbal? This matters because if they did not give her any paperwork and it was all verbal, and th...
by Saving$
Sun Nov 19, 2017 12:32 am
Forum: Personal Consumer Issues
Topic: Crashplan for Home ending service late 2018
Replies: 100
Views: 8711

Re: Crashplan for Home ending service late 2018

Any updates on this thread? What are the suggestions for a Luddite? I have 57 GB of data, and could get that down to under 50 GB if needed, all on one computer. My current backup plan is an approx monthly manual copy of the content of my computer to a separate hard drive kept in a safe. It has the l...
by Saving$
Thu Nov 16, 2017 2:01 am
Forum: Personal Consumer Issues
Topic: Office Chair Recommendations (Aeron?)
Replies: 37
Views: 2210

Re: Office Chair Recommendations (Aeron?)

I used an Aeron at a previous employers and really liked it - better than any chair I had used up until that time. A few years ago, I needed to buy an office chair for home. I bought the $89 Costco office chair that has the mesh seat and mesh back and armrests that raise up out of the way (I think i...
by Saving$
Sat Nov 11, 2017 4:13 pm
Forum: Personal Consumer Issues
Topic: Jetted Tub: Maintenance and type
Replies: 8
Views: 806

Jetted Tub: Maintenance and type

Seeking experience from those who may have either a jetted tub and/or a walk in type tub. I've read that jetted tubs are not a good investment unless there is a person in the household who regularly takes baths, which is the situation. Moreover, the bath lover has been pining for a jetted tub for ma...
by Saving$
Sat Nov 11, 2017 2:31 pm
Forum: Personal Consumer Issues
Topic: Worth changing 40 gal. to 30gal. hot water tank?
Replies: 90
Views: 4867

Re: Worth changing 40 gal. to 30gal. hot water tank?

WH facts - If your old WH has a yellow energy sticker indicating how much it costs to run, it is based on assumed quantity of usage and assumed cost of energy. Figure out how much you use, and your current cost of energy. - Factors contributing to how much hot water you get from a tank WH are size o...
by Saving$
Tue Nov 07, 2017 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: Okay to paint exterior brick?
Replies: 34
Views: 1869

Re: Okay to paint exterior brick?

The brick is cool. I would leave it. Pick up a shade of the red in the brick, just a bit darker, on the trim.
Painted brick is going out of style...and it screams "unwise...just turned a totally maintenance free finish into one that will need to be maintained in perpetuity..."
by Saving$
Fri Nov 03, 2017 11:56 pm
Forum: Personal Consumer Issues
Topic: How much to spend for bathroom remodel with these features in LCOL area
Replies: 27
Views: 1743

Re: How much to spend for bathroom remodel with these features in LCOL area

Have you looked at adding aging-in-place features during the remodel? Hand rails (or support blocks for them); possibly widening any doors too narrow for a walker; or a sink design that can be converted to let a wheelchair user access it. It will be a lot cheaper to do now than ever again. This. Wa...
by Saving$
Mon Oct 30, 2017 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off half of house to sister-in-law?
Replies: 4
Views: 683

Re: Paying off half of house to sister-in-law?

It is unclear from your post what the source of the payoff money is. A 6 month emergency fund of your combined income is $62,500 (1/2 of $75k + $50k), which is insufficient to pay off a $96k loan and would leave you with no emergency fund. Perhaps you are proposing using the $62k emergency fund, and...
by Saving$
Sun Oct 29, 2017 2:47 pm
Forum: Personal Consumer Issues
Topic: Medical Billing question
Replies: 17
Views: 1228

Re: Medical Billing question

So bottom line - should she be more insistent that they not bill her for this, or should she pay it, or other?
by Saving$
Sat Oct 28, 2017 7:48 am
Forum: Personal Consumer Issues
Topic: Medical Billing question
Replies: 17
Views: 1228

Re: Medical Billing question

First, did she get a 2D or 3D (or digital) mammogram? Some insurance companies don't pay 3D 100% and some breast centers only have 3D. There may have been extra cost with that. She has no idea. Is there a way to check that on the billing? She says the follow up was on a different machine, and near ...
by Saving$
Fri Oct 27, 2017 2:17 pm
Forum: Personal Consumer Issues
Topic: Medical Billing question
Replies: 17
Views: 1228

Medical Billing question

A family member changed doctors, which resulted in a change in provider eco-systems, lets say from Old to New New doctor directed my family member to get her annual mammogram at the New facility associated with the hospital group with which the new doctor is associated. When my family member tried t...
by Saving$
Sun Oct 22, 2017 9:36 pm
Forum: Personal Consumer Issues
Topic: Hacked Router or ASUS website or other?
Replies: 6
Views: 617

Hacked Router or ASUS website or other?

I bought a new router. When I got home and opened it, it looks like it has been previously purchased and returned (antennas were already screwed onto the router, etc.) Googling factory reset of an Asus Router, returned the 30-30-30 method (hold reset button for 30 seconds, then keep button pressed w...
by Saving$
Sun Oct 22, 2017 7:27 pm
Forum: Personal Consumer Issues
Topic: Experian Dark Web scan
Replies: 36
Views: 4318

Re: Experian Dark Web scan

Maybe not quite the same thing but you can sign up for “Have I been pwned” that tells you if your email (and applicable password) has been part of a nationwide hack and is floating out there on various lists. Do we know if signing up for that is safe? ie how do we know that itself is not just anoth...
by Saving$
Sun Oct 22, 2017 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: Pay Mother's Assisted Living Costs instead of selling her condo, since I'm the beneficiary?
Replies: 6
Views: 1063

Re: Pay Mother's Assisted Living Costs instead of selling her condo, since I'm the beneficiary?

If you sell the condo now, the capital gains will accrue to your mother. Was the condo her primary residence, or a rental? - If her primary residence, she gets a capital gains exclusion of up to $250k if she lived in it 2 of the last 5 years - If she did not live in it 2 of the last 5 years, or if i...
by Saving$
Sun Oct 22, 2017 11:45 am
Forum: Investing - Theory, News & General
Topic: Getting an HSA Brokerage option with Fidelity
Replies: 2
Views: 449

Re: Getting an HSA Brokerage option with Fidelity

mhalley wrote:
Sat Oct 21, 2017 8:16 pm
Any particular reason you want fidelity?
Would keep things simple as I already have accounts there and I like their user interface.
by Saving$
Sun Oct 22, 2017 11:43 am
Forum: Personal Finance (Not Investing)
Topic: 1031 exchange for selling rental, building ADU at existing OO property?
Replies: 4
Views: 296

Re: 1031 exchange for selling rental, building ADU at existing OO property?

Thanks - My friend owns the land on which his own house is situated - The new ordinance allows him to construct an ADU on this land, and allows rental of that ADU. No ADU currently exists. Cost to construct would be about $55k - He was wondering if he can do a 1031 from one of his existing rentals h...
by Saving$
Sat Oct 21, 2017 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: 1031 exchange for selling rental, building ADU at existing OO property?
Replies: 4
Views: 296

1031 exchange for selling rental, building ADU at existing OO property?

A nearby municipality just passed a new law that allows the construction of ADU's (accessory dwelling units) on certain properties. The ordinance specifically states the ADU must be built on the same property as the main house, and the property cannot be subdivided. A friend who lives in his owner o...
by Saving$
Sat Oct 21, 2017 11:42 am
Forum: Investing - Theory, News & General
Topic: Getting an HSA Brokerage option with Fidelity
Replies: 2
Views: 449

Getting an HSA Brokerage option with Fidelity

Fidelity offers HSA's, but currently they seem to be restricted to employers with >2000 employees. The below article indicates that later this year they will open that to employers with >50 employees. http://www.investmentnews.com/article/20170328/FREE/170329924/record-keeper-empower-jumps-into-hsa-...
by Saving$
Sat Oct 21, 2017 11:08 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 484
Views: 44461

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

I've read this entire thread, and others, as well as the wiki (https://www.bogleheads.org/wiki/Three-fund_portfolio#Other_than_Vanguard.2C_Boglehead-style ) and am still confused. Can someone please confirm or correct the following: If you have or will have a tax advantaged account at TDA (such as a...
by Saving$
Sat Oct 14, 2017 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 143
Views: 15367

Re: New HSA provider Lively offers investments for $30/yr fee

Left account open but staying with SelectAccount HSA for now, b/c the minimal difference in expenses isn't worth the hassle of two active accounts. I understand that. :beer I've been grumbling about the growing fees in my employer-sponsored HSA for two years. Twice, I had even downloaded all of the...
by Saving$
Wed Oct 11, 2017 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Growing old without kids or younger caring relatives
Replies: 106
Views: 20129

Re: Growing old without kids or younger caring relatives

Saw this article on The New Yorker about professional guardians who systemically strip the elderly of their civil rights and assets. How the Elderly Lose Their Rights Guardians can sell the assets and control the lives of senior citizens without their consent—and reap a profit from it. http://bit.l...
by Saving$
Wed Oct 11, 2017 7:52 pm
Forum: Personal Consumer Issues
Topic: Wifi Thermostat
Replies: 55
Views: 4087

Re: Wifi Thermostat

1. The posts noting the wiring issues are correct. You need a C wire. On a typical split system (furnace for heat/electric AC), this means more than 4 wires. If your existing wiring does not include a C wire, your options are to run new wire, or to forgo the setting on which your HVAC fan can run wi...
by Saving$
Tue Oct 10, 2017 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 143
Views: 15367

Re: New HSA provider Lively offers investments for $30/yr fee

Does your money go direct from your current HSA to Choice Financial, or does Lively have custody of it? - If it goes direct to Choice Financial, isn't your money safe since they are FDIC insured? - If it does not go direct, I guess the time Lively has it is when you are at risk. - Once the money is ...
by Saving$
Tue Oct 10, 2017 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: Alliant Credit Union no longer offering HSA's as of 11/9
Replies: 56
Views: 5748

Re: Alliant Credit Union no longer offering HSA's as of 11/9

Rediculous... No way am I letting it move. THe question now is where to move to? I currently use two HSAs one with my investment funds at hsabank TD ameritrade. I like to have funds in a normal interest HSA account as well to deposit and withdraw yearly (I'm withdrawing old receipts from the last 5...
by Saving$
Wed Oct 04, 2017 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: Financial arrangement for in-laws in guest house
Replies: 13
Views: 1282

Re: Financial arrangement for in-laws in guest house

They are family. Plenty of family live together and share expenses, or live together and don't share expenses... Just treat it like a housemate situation, and decide on what their portion of the ''shared" expenses should be.
by Saving$
Mon Oct 02, 2017 8:40 pm
Forum: Personal Consumer Issues
Topic: Pressure washer with telescoping wand and bleach spray
Replies: 10
Views: 851

Re: Pressure washer with telescoping wand and bleach spray

You did not specify the type of siding. You mentioned bleach, so perhaps the issues is mildew or moss. If mildew/moss on vinyl siding, you can buy a few premixed solutions at the big box stores or online. Before they sold those, Wolverine, a vinyl siding company, recommended 1/2 cup bleach and 1/2 c...
by Saving$
Sun Oct 01, 2017 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: Would you take a pay cut to work from home?
Replies: 67
Views: 5766

Re: Would you take a pay cut to work from home?

"Would you take a pay cut to work from home?" I would and have, but I'm not your age. At your age, with the situation you described, you should NOT do this. - it does not sound like you have a harrowing commute. If you do, move closer to work. - the networking contacts you make at this time in your ...
by Saving$
Mon Sep 25, 2017 7:19 pm
Forum: Personal Consumer Issues
Topic: BH phone review: Moto G5 Plus
Replies: 35
Views: 3173

Re: BH phone review: Moto G5 Plus

Bought the G5 (don't think it is the plus version) a few months ago from B&H at the recommendation of this board. It is by far the best phone I have ever owned. I previously had a few mid range Samsung models. The G5 has no bloatware, so the phone stays very responsive. It is very fast, the screen i...
by Saving$
Sat Sep 23, 2017 9:16 pm
Forum: Personal Consumer Issues
Topic: Toilet Woes
Replies: 46
Views: 5512

Re: Toilet Woes

Problem could be: 1. Shut off valve does not allow enough water through - more difficult to check, so check after 2. 2. Clog in hose - visually check hose for kink, if found, unkink, if none proceed - turn off shutoff valve, put bucket under tank hose connection, disconnect hose from tank. Aim hose ...
by Saving$
Thu Sep 21, 2017 12:10 am
Forum: Personal Consumer Issues
Topic: Spray Foam Insulation
Replies: 20
Views: 2194

Re: Spray Foam Insulation

Should you do it? Yes, but only if you do it right. What does that mean? 1. Spray foam will by definition make your house much tighter - it will leak less. 2. A tighter house needs controlled ventilation. You will probably need an ERV or HRV. Most codes technically require them, it is just not yet e...
by Saving$
Wed Sep 20, 2017 11:41 pm
Forum: Investing - Help with Personal Investments
Topic: I won the Lottery. Need sound advice.
Replies: 220
Views: 25339

Re: I won the Lottery. Need sound advice.

Congratulations. With all due respect, your finances before this were a disaster and unsustainable. All this will do is pull you out of a hole temporarily. What are you going to do to have a sustainable financial plan? You have been using Edward Jones, and your wife wants to stay. If the EJ advisor ...
by Saving$
Tue Sep 19, 2017 11:19 pm
Forum: Personal Finance (Not Investing)
Topic: Financial advice pay off mortgage now or keep cash for closing
Replies: 13
Views: 1330

Re: Financial advice pay off mortgage now or keep cash for closing

If you use the $90k to pay off the existing mortgage, will you still have enough left over to pay cash for the new condo? If you don't use the $90k to pay off the existing will you have enough cash to pay for the new condo without selling your existing? If not, do you plan to sell the existing condo...
by Saving$
Tue Sep 19, 2017 11:08 pm
Forum: Investing - Help with Personal Investments
Topic: New to Investing. 450k cash
Replies: 33
Views: 3280

Re: New to Investing. 450k cash

Welcome, and congrats on being able to put 20% down, and on having the significant equity. Based on your post, you already bought the $1m house, so you already took out that mortgage. Even if you use all or part of the $450k to pay against the house, your monthly mortgage payment is not going to dec...
by Saving$
Mon Sep 18, 2017 8:49 pm
Forum: Personal Consumer Issues
Topic: Experience with Custom Home Builders
Replies: 12
Views: 1334

Re: Experience with Custom Home Builders

Did they give you only the total, or did they give you line by line detail? You need to analyze the detail. First in large categories, then more granular. For example, do they both include appliances? How much does each include for kitchen & bath cabinets and counter? Closet shelving, etc. Sitework,...
by Saving$
Sun Sep 17, 2017 8:46 pm
Forum: Personal Consumer Issues
Topic: Help selling scion xa
Replies: 44
Views: 3289

Re: Help selling scion xa

In the ad say *Include your phone number*. You don't have to call, it gives you an idea if they're in your local area or just surfing ads from Alaska or Hawaii trolling sellers. In this day and age, a phone number means nothing. I sell a fair amount on CL and the majority of people don't have a loc...
by Saving$
Sun Sep 17, 2017 8:20 pm
Forum: Personal Consumer Issues
Topic: Buying nightguards (teeth grinding)
Replies: 52
Views: 4517

Re: Buying nightguards (teeth grinding)

I have one that I got from my dentist. Forgot how much it was but i has lasted me 7 years and probably at least another 3 more. The plus side is it still acts like a retainer, so if your concerned about straight teeth this is the way to go I think. IT might be a bit more expensive but well worth it...
by Saving$
Sun Sep 10, 2017 10:24 pm
Forum: Personal Finance (Not Investing)
Topic: State Farm won't insure my rooftop solar
Replies: 10
Views: 1947

Re: State Farm won't insure my rooftop solar

I would switch carriers, but also complain to my state insurance commissioner.
by Saving$
Sat Sep 09, 2017 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Flood Insurance when not in flood plain?
Replies: 39
Views: 3738

Re: Flood Insurance when not in flood plain?

The insurers website indicates I am 75' above the nearest food zone. Seems to me my only flooding risk is if the city sewer back up.... Which is also apparently covered by food insurance
by Saving$
Sat Sep 09, 2017 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Flood Insurance when not in flood plain?
Replies: 39
Views: 3738

Flood Insurance when not in flood plain?

My insurer's website has a place where I can check property elevations with respect to nearby flood areas. It includes a warning that over 20% of damage to homes occurs outside of flood areas. I am wondering if there is a certain level above the flood plain level where you no longer need to be conce...
by Saving$
Sat Sep 09, 2017 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: At what point would you considering Umbrella Insurance
Replies: 37
Views: 3786

Re: At what point would you considering Umbrella Insurance

Does it depend on your net worth? No. It does not depend on your net worth alone. But if you have a significant net worth OR (future) earnings, you should consider it. When we first became teachers in our 20s, we got it when we bought our first house, because other teachers said we could be sued by...
by Saving$
Sat Sep 09, 2017 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: At what point would you considering Umbrella Insurance
Replies: 37
Views: 3786

Re: At what point would you considering Umbrella Insurance

What calculation/ formula should a person use to determine the limits of an umbrella policy? a. Total net worth b. a above less 401k/403b accounts? Do you also subtract IRA & Roth accounts? c. Total net worth + some percent of future earnings (what percent? The amount you typically save after expens...
by Saving$
Sat Sep 09, 2017 11:24 am
Forum: Personal Consumer Issues
Topic: New home: 30% increase in construction supplies due to hurricane -- [frustrated]
Replies: 10
Views: 1796

Re: New home: 30% increase in construction supplies due to hurricane -- [frustrated]

If you already have a contract with the builder, tell him he should already have locked in quotes from his suppliers, and they need to honor those quotes, just like he legally needs to honor his contract with you. If you have not locked in on a contract, and think the builder is being honest with yo...