Search found 71 matches

by ScubaHogg
Fri Sep 06, 2019 1:19 pm
Forum: Personal Consumer Issues
Topic: Bamboo Flooring
Replies: 20
Views: 2229

Re: Bamboo Flooring

ivyhedge wrote:
Tue Sep 03, 2019 2:58 pm

If I could Thanos snap it away
That is hilarious. I’m going to totally steal that phrase.
by ScubaHogg
Thu Sep 05, 2019 12:39 pm
Forum: Personal Consumer Issues
Topic: Best college towns in the Southeastern US for retirees?
Replies: 80
Views: 8456

Re: Best college towns in the Southeastern US for retirees?

Thank you for the suggestions~! Huntsville AL Tallahassee and Gainesville, FL Athens GA these were already on our list.....would prefer to live in a medium sized community with proximity to a larger city - as we are burned out from living in the metropolis of our career years. I already mentioned F...
by ScubaHogg
Tue Sep 03, 2019 11:32 pm
Forum: Personal Consumer Issues
Topic: Best college towns in the Southeastern US for retirees?
Replies: 80
Views: 8456

Re: Best college towns in the Southeastern US for retirees?

Fayetteville, Arkansas area. Beautiful, growing, substantial culture that accompanies a University and world-class museum started by Walmart heiress, Walmart headquarters, along with Tyson and J. B. Hunt trucking nearby, LCOL, major, outdoor activities including location of several, large lakes hol...
by ScubaHogg
Thu Aug 15, 2019 4:01 pm
Forum: Personal Consumer Issues
Topic: Family Practice going member only Pros & Cons?
Replies: 53
Views: 3295

Re: Family Practice going member only Pros & Cons?

IMHO this is more like how the financial side of medicine should work. We don’t carry car insurance to have our oil changed. Why should we buy a lot of extra health insurance for routine PCP visits? Would you buy this product from a car dealer? Would you prepay for a service plan that only makes fi...
by ScubaHogg
Thu Aug 15, 2019 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Ideas for Little Charges to keep Cards active
Replies: 87
Views: 4651

Re: Ideas for Little Charges to keep Cards active

I have a few cheap "subscriptions" that are pretty easy to put on my little-utilized cards. The $0.99/month I pay for iCloud storage (~50gb) comes to mind. Anytime I'm putting in a card for a service like that I always use one of my low priority cards that I just don't want to cancel.
by ScubaHogg
Wed Aug 14, 2019 6:16 am
Forum: Personal Consumer Issues
Topic: Family Practice going member only Pros & Cons?
Replies: 53
Views: 3295

Re: Family Practice going member only Pros & Cons?

We use a service like this. We pay $120/mo for wife and myself and it’ll be another $40/mo when we have our first baby next month. The PCP doesn’t take any insurance of any kind, but the fee includes all our visits. It’s awesome. I wouldn’t do anything else. Sick? Need a same day appointment? No pro...
by ScubaHogg
Fri Jul 26, 2019 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Why I don't think I should get long term care insurance right now
Replies: 164
Views: 10931

Re: Why I don't think I should get long term care insurance right now

It is not only the elderly who require long term care. Illness and injury result in about 20 % of LTC Residents being younger than 50. Ailments that one can collect in one’s 50s can make one uninsurable Um, do you have a source? My wife works in a variety of LTC, Skilled Nursing Facilities, and Ass...
by ScubaHogg
Thu Jul 25, 2019 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: Why I don't think I should get long term care insurance right now
Replies: 164
Views: 10931

Re: Why I don't think I should get long term care insurance right now

It is not only the elderly who require long term care. Illness and injury result in about 20 % of LTC Residents being younger than 50. Ailments that one can collect in one’s 50s can make one uninsurable Um, do you have a source? My wife works in a variety of LTC, Skilled Nursing Facilities, and Ass...
by ScubaHogg
Wed Jul 24, 2019 2:14 am
Forum: Personal Finance (Not Investing)
Topic: Creative, "outside the box" to lower auto expenses?
Replies: 63
Views: 3502

Re: Creative, "outside the box" to lower auto expenses?

Short of not owning a car, or having one car vice two, it seems like the easiest way to save lots of money is to not own an expensive car. Everything else (gas, tires, regular maintenance, etc.) is overwhelmed by the difference in buying a $10,000 car vs a $40,000 car. Combined, the cost to purchase...
by ScubaHogg
Sun Jun 30, 2019 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: Relocate to Seattle or NYC
Replies: 129
Views: 6366

Re: Relocate to Seattle or NYC

ctuser1 wrote:
Sat Jun 29, 2019 3:21 pm
I don't think rats are a major issue for OP.
:P
by ScubaHogg
Sun Jun 30, 2019 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Relocate to Seattle or NYC
Replies: 129
Views: 6366

Re: Relocate to Seattle or NYC

I can’t believe this hasn’t come up more. Having lived in Puget Sound area for 8 years, let me say this. If you like the sun, I’d think twice about moving there. It’s very cloudy and (being much further north than NYC) very dark in the winters. Amongst my friends (Navy, so from all over) people from...
by ScubaHogg
Sun Jun 09, 2019 2:19 pm
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 218
Views: 18288

Re: Are You Dumping Netflix?

It’d still be a bargain at twice the price.
by ScubaHogg
Tue May 21, 2019 8:51 pm
Forum: Personal Consumer Issues
Topic: Anyone else looking forward to Game of Thrones?
Replies: 90
Views: 9026

Re: Anyone else looking forward to Game of Thrones?

I guess I am not the only one upset at this season. Pretty terrible final episode (and final season in total) huh? Guess I will be reading the book :annoyed https://static01.nyt.com/images/2019/05/16/us/game-of-thrones-imdb-ratings-promo-1558052978407/game-of-thrones-imdb-ratings-promo-155805297840...
by ScubaHogg
Tue May 21, 2019 8:21 pm
Forum: Personal Consumer Issues
Topic: Anyone else looking forward to Game of Thrones?
Replies: 90
Views: 9026

Re: Anyone else looking forward to Game of Thrones?

I got up to book 13 of the Wheel of Time and lost interest after that. We have dedicated book threads: - What Book Are You Currently Reading? Part VI - Good Modern Science Fiction , although the above would be considered fantasy. I thought books 13 and 14 in the WoT somewhat salvaged the series. On...
by ScubaHogg
Thu May 16, 2019 3:32 pm
Forum: Personal Consumer Issues
Topic: Should I replace Prius Hybrid Battery?
Replies: 44
Views: 3806

Re: Should I replace Prius Hybrid Battery?

<OP Here>

Awesome! Thanks everyone! My instinct was to replace and the consensus on here seems to be the same, so that is exactly what we are going to do. Thanks for all the input!
by ScubaHogg
Thu May 16, 2019 11:36 am
Forum: Personal Consumer Issues
Topic: Should I replace Prius Hybrid Battery?
Replies: 44
Views: 3806

Should I replace Prius Hybrid Battery?

Another Prius thread. Wife and I bought a 2007 Prius used (89,000 miles) in 2014 from the original owner, who was a very nice older lady who obviously took meticulous care of the car. My wife drives a bit for work and it has been her primary car. We have both been very happy with it and have had zer...
by ScubaHogg
Thu Mar 21, 2019 8:02 pm
Forum: Investing - Theory, News & General
Topic: The $4,026,858.95 Car or a Worry-Free Retirement?
Replies: 245
Views: 12619

Re: The $4,000,000.00 Car or a worry-free retirement?

The average American has about a 50% chance in their life to be seriously injured (and a 1% chance to be killed) in a car crash. Injury in a car crash could lead to pain and complications that persist for decades and ruin your ability to fully enjoy your retirement years. Both these numbers seem hi...
by ScubaHogg
Thu Mar 21, 2019 6:41 pm
Forum: Investing - Theory, News & General
Topic: The $4,026,858.95 Car or a Worry-Free Retirement?
Replies: 245
Views: 12619

Re: The $4,026,858.95 Car or a Worry-Free Retirement?

Show of hands - of all the people obsessed with car safety features as an excuse to buy a shiny new car every 3 years, how many of you do any of the following while in the car: use a cell phone, talk to others over bluetooth, punch in an address into a GPS device or smartphone, jack the stereo up t...
by ScubaHogg
Thu Mar 21, 2019 6:37 pm
Forum: Investing - Theory, News & General
Topic: The $4,026,858.95 Car or a Worry-Free Retirement?
Replies: 245
Views: 12619

Re: The $4,000,000.00 Car or a worry-free retirement?

Both these numbers seem high. 50% of being "seriously" injured? Back of the envelope math suggests that means almost 2.1 million people are seriously injured in car crashes each year. I can't imagine that is true. Do you have a source? Here's some: http://www.lawcore.com/car-accident/statistics.htm...
by ScubaHogg
Thu Mar 21, 2019 6:32 pm
Forum: Investing - Theory, News & General
Topic: The $4,026,858.95 Car or a Worry-Free Retirement?
Replies: 245
Views: 12619

Re: The $4,000,000.00 Car or a worry-free retirement?

The average American has about a 50% chance in their life to be seriously injured (and a 1% chance to be killed) in a car crash. Injury in a car crash could lead to pain and complications that persist for decades and ruin your ability to fully enjoy your retirement years. Both these numbers seem hi...
by ScubaHogg
Thu Mar 21, 2019 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: 1st time on ACA
Replies: 35
Views: 3226

Re: 1st time on ACA

According to the information from the Health Insurance marketplace for Pennsylvania I have a tax credit for $2431.00 per month and the premium for the plan is $2271.36 per month. Are these numbers correct? For just you and your wife it's approximately $27,000/year? I don't have any experience in th...
by ScubaHogg
Thu Mar 21, 2019 6:18 pm
Forum: Investing - Theory, News & General
Topic: The $4,026,858.95 Car or a Worry-Free Retirement?
Replies: 245
Views: 12619

Re: The $4,000,000.00 Car or a worry-free retirement?

The average American has about a 50% chance in their life to be seriously injured (and a 1% chance to be killed) in a car crash. Injury in a car crash could lead to pain and complications that persist for decades and ruin your ability to fully enjoy your retirement years. Both these numbers seem hi...
by ScubaHogg
Thu Mar 21, 2019 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: 1st time on ACA
Replies: 35
Views: 3226

Re: 1st time on ACA

According to the information from the Health Insurance marketplace for Pennsylvania I have a tax credit for $2431.00 per month and the premium for the plan is $2271.36 per month. Are these numbers correct? For just you and your wife it's approximately $27,000/year? I don't have any experience in th...
by ScubaHogg
Tue Mar 12, 2019 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Podcasts [Financial]
Replies: 50
Views: 4556

Re: Podcasts

I’m a big fan of podcasts. Here are a few of my favorites: - Econtalk (you’ve got 10 years of archived weekly shows to catch up on if this is new to you—but you can start anywhere) - Conversations with Tyler (Tyler Cowen the economist) - Dan Carlin’s Hardcore History - Bogleheads on Investing - The ...
by ScubaHogg
Sat Jan 05, 2019 9:32 pm
Forum: Personal Consumer Issues
Topic: 11 days in Europe...Budget and logistical advice please
Replies: 90
Views: 5103

Re: 11 days in Europe...Budget and logistical advice please

An030815 wrote:
Fri Jan 04, 2019 4:10 pm
Whatever you do, don't come away with any opinions about Europe based upon your stay in Paris. Heavens, no!
Just a contrary opinion to the above quote, Paris is amazing. I'm jealous you are going. Have fun!
by ScubaHogg
Fri Nov 23, 2018 10:04 am
Forum: Investing - Theory, News & General
Topic: Do you need to invest mostly in stocks to get rich?
Replies: 178
Views: 17947

Re: Do you need to invest mostly in stocks to get rich?

Rich in my book is low to mid 8 figures net worth. It's not 401k saving level of wealth to be rich. You wouldn't consider $9,000,000 to be "rich" (high seven figures)? According to this Globalrichlist<dot>com, that would put you in the top 0.03% worldwide. That seems like a LOT of money to me... [c...
by ScubaHogg
Sat Nov 17, 2018 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: Why I plan on buying a life annuity - even if it is a stupid idea
Replies: 117
Views: 11193

Re: Why I plan on buying a life annuity - even if it is a stupid idea

1) You won't be able to understand if someone is financially exploiting you because you'll be senile (your words) - ok, IF that was true, this person is simply going to take your annuity money. So you're still broke and senile. I would say there is a very different risk associated with someone stea...
by ScubaHogg
Sat Nov 17, 2018 10:17 pm
Forum: Personal Consumer Issues
Topic: How to pick a wifi router to replace one we rent from Cox?
Replies: 20
Views: 1354

Re: How to pick a wifi router to replace one we rent from Cox?

You will have to call Cox for them to recognize / activate the modem. I was hoping it could all be done online. Ideally I would buy a cheap $40 router and if it doesn't work I would just revert back to the existing rental one.. But having to call them makes this whole change a bit more complex . I ...
by ScubaHogg
Thu Nov 15, 2018 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Why I plan on buying a life annuity - even if it is a stupid idea
Replies: 117
Views: 11193

Re: Why I plan on buying a life annuity - even if it is a stupid idea

1) You won't be able to understand if someone is financially exploiting you because you'll be senile (your words) - ok, IF that was true, this person is simply going to take your annuity money. So you're still broke and senile. I would say there is a very different risk associated with someone stea...
by ScubaHogg
Fri Nov 09, 2018 6:13 pm
Forum: Personal Consumer Issues
Topic: Finally cutting cable -- is 40mbps enough for streaming services?
Replies: 40
Views: 4707

Re: Finally cutting cable -- is 40mbps enough for streaming services?

We have 15mbps and stream just fine. There are two of us, so there are definitely times where one person is streaming through the TV and the other is streaming to an iPad. Netflix, Amazon Prime, ESPN, all no problem.
by ScubaHogg
Fri Nov 09, 2018 3:25 pm
Forum: Investing - Theory, News & General
Topic: Warren Buffett Books
Replies: 55
Views: 6822

Re: Warren Buffett Books

I've read 1 and 3. Enjoyed both and would recommend.
by ScubaHogg
Tue Nov 06, 2018 2:10 pm
Forum: Personal Consumer Issues
Topic: Car buying: New vs. Used IF you keep it for 8+ years paying cash.
Replies: 16
Views: 2494

Re: Car buying: New vs. Used IF you keep it for 8+ years paying cash.

Do the math. It depends on the car. Buy a new Civic Si. Pay $23,000 after bargaining hard. In 8 years, it's worth $12,000. Buy a 3 year old Civic Si. Pay $22,999 after bargaining hard. In 8 years, it's worth $7000. Buy the new Civic (or Wrangler or Tacoma or....) In your example the optimal strateg...
by ScubaHogg
Tue Nov 06, 2018 8:51 am
Forum: Personal Consumer Issues
Topic: Car buying: New vs. Used IF you keep it for 8+ years paying cash.
Replies: 16
Views: 2494

Re: Car buying: New vs. Used IF you keep it for 8+ years paying cash.

Do the math. It depends on the car. Buy a new Civic Si. Pay $23,000 after bargaining hard. In 8 years, it's worth $12,000. Buy a 3 year old Civic Si. Pay $22,999 after bargaining hard. In 8 years, it's worth $7000. Buy the new Civic (or Wrangler or Tacoma or....) In your example the optimal strateg...
by ScubaHogg
Tue Oct 30, 2018 8:38 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3959
Views: 1127934

Re: What Book Are You Currently Reading? Part VI

[/quote]
The Firm, The Client and the Rainmaker are my three favorites of his. It's been hit or miss ever since (IMO).
[/quote]

Not A Time To Kill? I thought that was likely his best one. If not for the writing, for the story.
by ScubaHogg
Sat Oct 20, 2018 11:09 pm
Forum: Personal Consumer Issues
Topic: TV recommendation for my father
Replies: 55
Views: 2995

Re: TV recommendation for my father

The problem with the linked device is the lack of direct input for the channel. If you have 40+ channels, hitting + a few dozen times gets old. If I were setting up a system for an elderly parent, I'd probably change the TV package to limit the number of channels so they aren't having to work their...
by ScubaHogg
Sat Oct 20, 2018 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: Travelers Checks
Replies: 36
Views: 2580

Re: Travelers Checks

I imagine if the employees at the places you would like to use travelers checks are much younger than me (~40), they won't even know what you are trying to give them. Cash them out and count on credit cards/debit cards.
by ScubaHogg
Fri Oct 19, 2018 11:09 am
Forum: Personal Consumer Issues
Topic: TV recommendation for my father
Replies: 55
Views: 2995

Re: TV recommendation for my father

It sounds like the interaction b/t your father and the tv is the sticky widget here. Maybe a simple, programmable remote like this might help. https://www.amazon.com/Tek-Pal-Button-Remote-Control/dp/B0036R7JOE/ref=asc_df_B0036R7JOE/?tag=hyprod-20&linkCode=df0&hvadid=216526779832&hvpos=1o1&hvnetw=g&h...
by ScubaHogg
Wed Oct 17, 2018 8:52 pm
Forum: Investing - Theory, News & General
Topic: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"
Replies: 203
Views: 12470

Re: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"

So if I buy a share of Petróleo Brasileiro S.A.—Petrobras—a semi-public Brazilian multinational corporation in the petroleum industry headquartered in Rio de Janeiro, Brazil, I’m not transferring my wealth to the Brazilian government? Really? Where does the money go? Unless it's a new issue it goes...
by ScubaHogg
Thu Sep 27, 2018 10:26 am
Forum: Personal Consumer Issues
Topic: Am I using facebook correctly?
Replies: 43
Views: 3586

Re: Am I using facebook correctly?

I think not using FB is the most optimal way to use FB. :beer
by ScubaHogg
Fri Sep 21, 2018 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Physical Banking - Any benefits anymore?
Replies: 142
Views: 10038

Re: Physical Banking - Any benefits anymore?

Just out of curiosity, why does it appear that folks on the board routinely need cashiers' checks and Medallion signatures so much? I virtually never need these things. Maybe a cashier's check every other year and only one of those Medallion things in my life...
by ScubaHogg
Thu Sep 20, 2018 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Physical Banking - Any benefits anymore?
Replies: 142
Views: 10038

Re: Physical Banking - Any benefits anymore?

I use USAA and see no reason to have a brick and mortar bank. Last time I went into an actual bank (which I did not have an account at btw) was 15 years ago to get one of those “Medallion guarantee” signatures. Think I paid a nominal fee, but had no issue getting it. Reasons you might want a local b...
by ScubaHogg
Wed Sep 19, 2018 8:30 am
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 26845

Re: What is your single most expensive mistake?

1) Leaving active duty navy after 12 years without a solid plan. In hindsight, it was a job I was good at, had growth opportunities, and provided a great social life. I’ve run numbers in my head what this cost me and they get high enough that I don’t have the heart to sit down and really crunch them...
by ScubaHogg
Fri Sep 14, 2018 9:49 am
Forum: Personal Consumer Issues
Topic: Dental Coverage Feedback
Replies: 13
Views: 1150

Re: Dental Coverage Feedback

Am I reading this correctly? With Delta Dental you pay $1013.16/y ($84.83x12) to maybe not have to pay $1250 (max annual benefit)? That...doesn't seem like a good deal. The Dental Plus ($2114 to maybe save $3000) doesn't seem much better. I'm assuming I'm reading this wrong, in which case, please ig...
by ScubaHogg
Sun Sep 09, 2018 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: $250,000 family loan to parents?
Replies: 50
Views: 4800

Re: $250,000 family loan to parents?

Just out of curiosity, could they take out a $250K HELOC against their equity and then simple repay when they sell? I'm sure I'm missing something, but that seems straightforward enough and avoids all the messy "loaning money to family" stuff.
by ScubaHogg
Thu Sep 06, 2018 4:14 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1462
Views: 150080

Re: [What TV Show Have You Recently Watched?]

Just binged watched season 2 of "Ozark" on Netflix. As good as season 1, no drop off at all.
by ScubaHogg
Sat Aug 11, 2018 12:21 pm
Forum: Personal Consumer Issues
Topic: Maui Hawaii Trip - How to save money?
Replies: 52
Views: 5604

Re: Maui Hawaii Trip - How to save money?

+1 Costco.

It’s so much cheaper than everything else that a single grocery trip to a Costco in Hawaii can easily pay for a year long membership, assuming you’ll be on the island for a few days. My in-laws buy a membership simply for their one annual trip to the store (we don’t have costco’s local).
by ScubaHogg
Wed Aug 08, 2018 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Career Transition after Military
Replies: 13
Views: 1385

Re: Career Transition after Military

Hey FlyFishGuy, I'll throw out my two cents. I'm a Navy guy myself who left active duty (pilot) after around 11 years and have spent the last 6 years in the Navy reserves. So I got to experience first hand my unexpectedly difficult, and on-going, transition. Additionally, I had a lot of friends who ...
by ScubaHogg
Sun Aug 05, 2018 12:52 pm
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 260
Views: 27344

Re: most compelling TV character ever

Walter White hands down (Breaking Bad). Went from being a hero to an antihero thru a series of semi (at the time) reasonable decisions.
by ScubaHogg
Thu Aug 02, 2018 9:32 am
Forum: Personal Consumer Issues
Topic: weekender bag?
Replies: 30
Views: 2866

Re: weekender bag?

No idea what your needs or price point are, but I’ve used this bag extensively (airline pilot) for about 9 months now and I’ve been very pleased.

https://www.briggs-riley.com/baseline-d ... r-u122cxsp