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by jasc15
Tue Nov 26, 2019 8:35 pm
Forum: Personal Consumer Issues
Topic: Should The Dentist See Me On Every Visit?
Replies: 64
Views: 3885

Re: Should The Dentist See Me On Every Visit?

My dentist may be the exception. After moving to a new state and going several years without seeing a dentist, I got a recommendation from a co-worker. This dentist has always done all exams, cleanings, x-rays, and fillings himself. He had an assistant, but I'm not sure what he used her for, since s...
by jasc15
Sun Sep 15, 2019 9:06 pm
Forum: Personal Consumer Issues
Topic: Altice Mobile
Replies: 14
Views: 2110

Re: Altice Mobile

I've been meaning to post about this. The lifetime thing is as long as you are an optimum/altice customer. If not, I believe it's $30/mo, which is still pretty dang cheap.

I've been hesitant anyway, since I have no loyalty to optimum and will likely switch to another internet provider soon.
by jasc15
Tue Aug 20, 2019 6:22 pm
Forum: Personal Investments
Topic: Fisher Investment solicitation
Replies: 27
Views: 2592

Re: Fisher Investment solicitation

I received a large white envelope from them today, and wasn't surprised to see multiple relevant threads on this forum. I did open the envelope, however, because I wanted to get an idea where they might have gotten my name and address. I was surprised to see mention of a particular financial milesto...
by jasc15
Thu Jun 27, 2019 1:37 pm
Forum: Personal Investments
Topic: Any way to at least indirectly invest in SpaceX or Blue Origin?
Replies: 8
Views: 1001

Invest in their suppliers? They try to be vertically integrated, but don't do everything in house.
by jasc15
Fri Mar 29, 2019 8:31 am
Forum: Personal Consumer Issues
Topic: Should basements be insulated from the outside or inside? New construction
Replies: 17
Views: 1749

Re: Should basements be insulated from the outside or inside? New construction

Insulating the exterior not only provides a moisture barrier, but keeps the concrete as part of the interior thermal envelope, preventing humid interior air from condensing on the interior surfaces of the concrete. I did a lot of reading on the Building Science Corporation's website prior to renova...
by jasc15
Mon Mar 25, 2019 2:02 pm
Forum: Personal Consumer Issues
Topic: Should basements be insulated from the outside or inside? New construction
Replies: 17
Views: 1749

Re: Should basements be insulated from the outside or inside? New construction

Insulating the exterior not only provides a moisture barrier, but keeps the concrete as part of the interior thermal envelope, preventing humid interior air from condensing on the interior surfaces of the concrete. I did a lot of reading on the Building Science Corporation's website prior to renovat...
by jasc15
Tue Mar 19, 2019 7:18 am
Forum: Personal Consumer Issues
Topic: Calling Volvo and Audi owners! Reliabilty questions
Replies: 72
Views: 5525

Re: Calling Volvo and Audi owners! Reliabilty questions

My 2007 V50, purchased 5 years ago with 65k miles has had $4,200 in maintenance/repairs in that time, and now has 118k miles. None of that has been unreasonable, in my opinion; mostly wear items and oil changes. In that cost is every oil change and windshield wiper, but much of it was DIY. ... ... ...
by jasc15
Mon Mar 18, 2019 3:13 pm
Forum: Personal Consumer Issues
Topic: Calling Volvo and Audi owners! Reliabilty questions
Replies: 72
Views: 5525

Re: Calling Volvo and Audi owners! Reliabilty questions

Bummer. The V50 is pretty limited on cargo space, but I've managed to fit quite a bit in there. 10' pipes, rolling tool chests, etc. Usually later models manage to be bigger than their predecessors. I think the V60 wheelbase is bigger, which is weird.
by jasc15
Mon Mar 18, 2019 2:33 pm
Forum: Personal Consumer Issues
Topic: Calling Volvo and Audi owners! Reliabilty questions
Replies: 72
Views: 5525

Re: Calling Volvo and Audi owners! Reliabilty questions

The V50 might not have been a looker, but it sure is a lot more practical than the V60 I've heard that about the V50, but I like its styling. Also, what don't you like about the V60? I'm thinking of replacing this with a V60 when the time comes, but I'd have to think more about it. Don't want a tur...
by jasc15
Mon Mar 18, 2019 2:05 pm
Forum: Personal Consumer Issues
Topic: Calling Volvo and Audi owners! Reliabilty questions
Replies: 72
Views: 5525

Re: Calling Volvo and Audi owners! Reliabilty questions

My 2007 V50, purchased 5 years ago with 65k miles has had $4,200 in maintenance/repairs in that time, and now has 118k miles. None of that has been unreasonable, in my opinion; mostly wear items and oil changes. In that cost is every oil change and windshield wiper, but much of it was DIY. Tires bra...
by jasc15
Thu Mar 14, 2019 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Is my *entire* life financed when I have a mortgage?
Replies: 84
Views: 6388

Re: Is my *entire* life financed when I have a mortgage?

I've often thought of debt in those terms. "Every dollar you spend not paying off debt is borrowed." I guess mathematically true, but like someone else said above, there is more to life than math.
by jasc15
Mon Feb 25, 2019 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: ESPP at tax time
Replies: 8
Views: 897

Re: ESPP at tax time

My ESPP discount is taxed in the year I buy, and the gains (losses) above (below) the market price at purchase time are taxed in the year I sell them. If they are held longer than a year, those gains are taxed at the capital gains rate, however I always sell mine as soon as eligible, and they are ta...
by jasc15
Tue Feb 12, 2019 11:39 pm
Forum: Personal Consumer Issues
Topic: Ever heard of dentists sedating toddlers to fill baby teeth cavities?
Replies: 28
Views: 2672

Re: Ever heard of dentists sedating toddlers to fill baby teeth cavities?

I was one such patient. I was probably 4 or 5, and it was pretty traumatic. I got nitrous oxide gas, which apparently wasn't totally effective. I was also strapped at the wrists and ankles. Apparently I needed a root canal, and got a silver capped tooth, which I may have actually kept somewhere afte...
by jasc15
Tue Feb 12, 2019 9:50 pm
Forum: Personal Consumer Issues
Topic: 3 year old tires installed (Sam's club). Should I do anything about this?
Replies: 104
Views: 9282

Re: 3 year old tires installed (Sam's club). Should I do anything about this?

White Coat Investor wrote:
Tue Feb 12, 2019 9:40 pm
But this idea that anything that isn't maximally safe is unsafe is a quick recipe to anxiety and overconsumption/overspending.
Very concise observation. Thanks for putting it so plainly.
by jasc15
Wed Jan 23, 2019 5:11 pm
Forum: Investing - Theory, News & General
Topic: 1st year with a rental property - hitting singles
Replies: 37
Views: 4237

Re: 1st year with a rental property - hitting singles

2. Know your renter. We interviewed over 20 prospective renters and knew we were getting someone who would not give us problems. I am suspect about this lesson. Where I live that would probably run up against some anti-discriminatory rental laws. Where I live I have to take the first qualified appl...
by jasc15
Wed Jan 16, 2019 10:50 am
Forum: Personal Consumer Issues
Topic: End of an era - Boeing 727
Replies: 35
Views: 2649

Re: End of an era - Boeing 727

The 747 was also recently retired, wasn't it? Another classic Boeing jet. But the 737 keeps chugging along, it'll still be around decades from now. It was retired by US based airlines. The last flight was last year by United out of SFO, I believe. I just booked a flight on British airways JFK to LH...
by jasc15
Fri Jan 04, 2019 4:21 pm
Forum: Personal Consumer Issues
Topic: 11 days in Europe...Budget and logistical advice please
Replies: 90
Views: 5411

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

That's a long enough time for an overnight or two outside Paris/France. Switzerland should be doable, and in my opinion, worth visiting. Try Bern. There should be easy train access between the 2 cities, though I'm not sure how long it would be. Eiffel tower, Louvre, Arc de Triumphe could possibly be...
by jasc15
Fri Jan 04, 2019 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Wife spends too much money on housewares / decorating stuff.
Replies: 39
Views: 1776

Re: Wife spends too much money on housewares / decorating stuff.

I'm not sure any advice typically given here would help you, since this is an issue between you and your spouse, not really a financial one. It seems you are saying that you can retire and sustain this level of spending, but it just bothers you that much of it is, in your view, unecessary.
by jasc15
Wed Dec 19, 2018 3:51 pm
Forum: Investing - Theory, News & General
Topic: Behavioral Finance for normal people
Replies: 6
Views: 1273

Re: Behavioral Finance for normal people

Emotions complement reason more often than they interfere with it, and the interaction between emotions and reason is mostly beneficial, often critically so. Emotions prevent us from being lost in thought when it is time to act
This point is especially applicable to me.
by jasc15
Tue Dec 18, 2018 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 701
Views: 76914

Re: Fidelity free Turbotax

I'm not sure if I am private client or not (though if I were, I would probably know it), since I got a call a few years ago from someone who told me to call them directly with any questions, etc. I mostly blew it off since I don't have any use for it. That said, I don't have assets near the threshol...
by jasc15
Fri Nov 30, 2018 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Marriott Starwood Security breach - 500 million guests
Replies: 26
Views: 3819

Re: Marriott Starwood Security breach - 500 million guests

At this point, I pretty much assume everyone who has ever provided personal information to any large company has had their data stolen. If someone wants your personal info, It's out there on the darkweb for whomever cares to buy it. +1 I subscribe to the "big sky theory" of data security at this po...
by jasc15
Wed Nov 07, 2018 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: FreeTaxUSA.com now has 2018 Return available.
Replies: 36
Views: 5365

Re: FreeTaxUSA.com now has 2018 Return available.

Don't know how FTUSA makes any money - they haven't from me. Can anyone offer something here? I'm skeptical of free services, and even more so given the volume of personal and financial data involved with a tax return. In fact, I can't think of anything more invasive regarding personal information ...
by jasc15
Tue Oct 02, 2018 8:35 am
Forum: Personal Consumer Issues
Topic: Phone phishing scam: "Spoofing" your bank's phone number.
Replies: 1
Views: 557

Phone phishing scam: "Spoofing" your bank's phone number.

https://krebsonsecurity.com/2018/10/voice-phishing-scams-are-getting-more-clever/ Haughey banks at a small Portland credit union, and last week he got a call on his mobile phone from an 800-number that matched the number his credit union uses. Actually, he got three calls from the same number in rap...
by jasc15
Sat Sep 29, 2018 10:43 am
Forum: Investing - Theory, News & General
Topic: Sears, a 125 year old company is now a penny stock.
Replies: 127
Views: 16606

Re: Sears, a 125 year old company is now a penny stock.

I just recently heard a story about Sears houses on the 99% Invisible podcast: https://99percentinvisible.org/episode/the-house-that-came-in-the-mail/ They even sold houses at one point! How crazy is that. And now the company is almost ready to be a memory. I've known for some time that Sears sold ...
by jasc15
Thu Sep 27, 2018 3:32 pm
Forum: Personal Consumer Issues
Topic: Good flip flops
Replies: 46
Views: 3780

Re: Good flip flops

Rainbow https://www.rainbowsandals.com/ Another vote for Rainbow. They are flat when you buy them, but mold very well to your feet after use. I got my first pair from the factory in San Clemente, CA and still have them, and got a second pair 13 years later. Apparently they are made in China now, bu...
by jasc15
Thu Sep 27, 2018 2:17 pm
Forum: Personal Consumer Issues
Topic: Am I the only one...[using multiple accounts]
Replies: 27
Views: 1714

Re: Am I the only one...

There is nothing wrong with not binning your non-investment savings, but I find it useful to do so. I like to know there is a minimum amount available for each purpose, and I know at a glance how much we should spend on a vacation without impacting other purposes.
by jasc15
Thu Sep 20, 2018 4:20 pm
Forum: Personal Consumer Issues
Topic: Android podcast app that remembers where you are in podcast?
Replies: 15
Views: 771

Re: Android podcast app that remembers where you are in podcast?

I've only ever used Podcast Addict, and have not found anything lacking for my use, including resuming where I left off.
by jasc15
Tue Sep 18, 2018 11:01 pm
Forum: Personal Consumer Issues
Topic: Anyone hire an interior designer?
Replies: 39
Views: 3889

Re: Anyone hire an interior designer?

This is a good thread. My wife and I have considered this sort of service, but figured if you have to ask how much, you can't afford it :D We have an awkward shaped and small living room, and it's mostly filled with furniture we had when we moved and it's a very poor use of space. Other than seeing ...
by jasc15
Fri Sep 14, 2018 2:38 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Full View transition to eMoney
Replies: 157
Views: 24650

Re: Fidelity Full View transition to eMoney

After not being able to link my Capital One 360 accounts, I was finally able to today. Previously I would just get a blank white page after selecting that bank, now a separate window comes up to validate access (check your pop-up blockers).
by jasc15
Fri Aug 17, 2018 10:22 pm
Forum: Personal Consumer Issues
Topic: Where to sell Google Play credit?
Replies: 4
Views: 554

Re: Where to sell Google Play credit?

You bought a Costco TV, yes? I did the same and figured the $75 Google play card as a discount thinking I could sell it. You can sell Google play cards, but this promotion applies credit to your account by verifying your purchase with a receipt, not just including a card with purchase. I was unable ...
by jasc15
Thu May 24, 2018 9:52 am
Forum: Personal Consumer Issues
Topic: Affordable luxury ladies watch?
Replies: 21
Views: 1618

Re: Affordable luxury ladies watch?

Have to disagree here. I recently purchased an inexpensive (~$300) Seiko dive watch with a high-quality automatic movement. The particular model I purchased, the SKX007, has something of a cult following among watch aficionados for being one of the best values around (see here for an illustrative r...
by jasc15
Thu May 24, 2018 9:42 am
Forum: Personal Consumer Issues
Topic: Affordable luxury ladies watch?
Replies: 21
Views: 1618

Re: Affordable luxury ladies watch?

My wife has a nice citizen eco drive that was in the $300 range. It's about 4 years old and still looks great with daily use.
by jasc15
Fri Apr 20, 2018 2:13 pm
Forum: Investing - Theory, News & General
Topic: Freakonomics Podcast on Indexing with Jack Bogle Interview
Replies: 2
Views: 987

Re: Freakonomics Podcast on Indexing with Jack Bogle Interview

I also heard recently. This podcast is excellent at distilling concepts and presenting them in a very clear manner. Also Scaramucci arguing against the fiduciary rule in part because "you'll would lose 60 to 70,000 financial services jobs as a direct result of that rule. It’s a jobs killer." is noth...
by jasc15
Fri Apr 06, 2018 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Car was totaled, next steps?
Replies: 18
Views: 1418

Re: Car was totaled, next steps?

I had a similar situation a few years ago, and came to the realization that to replace the totalled car with a comparable car would cost me several thousand dollars. I felt like I'd been had by someone, but couldn't figure out who. I'll be interested to see what others think.
by jasc15
Wed Apr 04, 2018 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Plan of Conversion from Stock to Mutual
Replies: 3
Views: 1014

Re: Plan of Conversion from Stock to Mutual

Update as of April 4, 2017. My wife and I have term life policies with SBLI and I just received a letter dated March 10, 2018 that they have converted from a sock to a mutual company. It seems there are no consequences to us as policy holders based on some posts here, though Nedsaid says it's quite ...
by jasc15
Thu Mar 29, 2018 9:23 pm
Forum: Personal Consumer Issues
Topic: Which of our cars should we use more, old or new?
Replies: 32
Views: 3057

Re: Which of our cars should we use more, old or new?

Good comments here. It seems there isn't much solid reasoning favoring the the use of one over the other, besides preferences. I don't think there is must difference in safety and reliability between the two, and the older car is actually more comfortable for longer trips.
by jasc15
Tue Mar 27, 2018 5:59 pm
Forum: Personal Consumer Issues
Topic: Which of our cars should we use more, old or new?
Replies: 32
Views: 3057

Which of our cars should we use more, old or new?

We own 2 cars: one 11 years old with ~110,000 miles, and another 1.5 years old with ~13,000 miles. It seems the general opinion from people I talk to is to use the old car for around town stop and go driving, and the new car for more long distance driving when possible. Both are used for commuting, ...
by jasc15
Fri Feb 16, 2018 8:06 pm
Forum: Personal Consumer Issues
Topic: Roof Leak...Need Advice
Replies: 16
Views: 2258

Re: Roof Leak...Need Advice

I know some roof warranties are transferrable. Mine is, but I've yet to see how useful it is and hope not to. Any 4 year old roof should still be under warranty.
by jasc15
Fri Feb 16, 2018 1:41 pm
Forum: Personal Consumer Issues
Topic: Any Creative Ways to Cut the Cable?
Replies: 49
Views: 5932

Re: Any Creative Ways to Cut the Cable?

You may be able to avoid the need for an antenna by running a cable straight to your TV and seeing what channels you get. Since I subscribe to internet only, I have access to unscrambled broadcast via cable and receive everything (and more) I would with an antenna.
by jasc15
Thu Feb 15, 2018 5:58 pm
Forum: Investing - Theory, News & General
Topic: Can someone help me explain to my wife...?
Replies: 81
Views: 11612

Re: Can someone help me explain to my wife...?

No, this a battle you need to wage. Start small, bring up any of the many posts with nice, easy to understand graphs. There is a great one somewhere, where the future is covered up and you can play 'sell now? Buy now?' And see how often one is wrong. https://qz.com/487013/this-game-will-show-you-ju...
by jasc15
Fri Feb 09, 2018 12:10 pm
Forum: Investing - Theory, News & General
Topic: "The stock market is officially in a correction... here's what usually happens next"
Replies: 83
Views: 16065

Re: "The stock market is officially in a correction... here's what usually happens next"

"Stay the course" is not the same as "Buy and hold." Corrections and bear markets can often be an opportunity to rebalance, sell an unwanted fund, tax-loss harvest or move to another company. I've wanted to ask this question before. Isn't it market timing to use situations like these as an opportun...
by jasc15
Wed Jan 24, 2018 9:55 am
Forum: Personal Consumer Issues
Topic: Internet Only, no Cable
Replies: 9
Views: 1599

Re: Internet Only, no Cable

Just look for the promos available in your area. We just signed up for 100/20 Mbps for $39.99/mo for a year. At the end of that year I will call and complain and probably be able to limit the increase to $35 or $40, otherwise I will switch to the other provider in my area. Playing this game in other...
by jasc15
Fri Jan 12, 2018 3:56 pm
Forum: Investing - Theory, News & General
Topic: Kodakcoin
Replies: 101
Views: 10816

Re: Kodakcoin

I wonder if Kodak is trying to make itself viable for an acquisition? I did kind of forget they existed. This was an interesting read: Mr. Clarke has no delusions that Kodak could bring those technologies to market on its own; it will need corporate partners to make actual products. “We’ll never be...
by jasc15
Tue Jan 09, 2018 2:39 pm
Forum: Personal Consumer Issues
Topic: anything to buy to save on taxes
Replies: 9
Views: 1200

Re: anything to buy to save on taxes

I don't understand anything about business finance or taxation; I've always been a W2 employee and so has everyone in my family. When I see talk about spending for purposes of tax write offs, it seems to me the same as carrying a mortgage for the same reason. Spend $1 to avoid paying 25 cents? Is th...
by jasc15
Fri Dec 22, 2017 11:41 pm
Forum: Investing - Theory, News & General
Topic: Looking for a post about stock crash
Replies: 8
Views: 1435

Re: Looking for a post about stock crash

I remember, too. None of the schadenfreude of the Bitcoin situation (which I am also guilty of, though I didn't post about it). Very real and sobering realities in that linked thread. I think it was some potential component supplier to Apple that lost its contract when Apple changed strategy abruptl...
by jasc15
Sat Dec 09, 2017 7:51 pm
Forum: Personal Consumer Issues
Topic: What MPG App Do You Use To Track Fuel Usage ?
Replies: 61
Views: 3744

Re: What MPG App Do You Use To Track Fuel Usage ?

I use a Google docs spreadsheet formatted the same way as submissions to the fueleconomy.gov site are (and I occasionally upload my data there). I have a shortcut on my phone's home screen, and I enter the date, gallons pumped, odometer and total price paid while I wait for the pump. My wife message...
by jasc15
Thu Nov 30, 2017 2:38 pm
Forum: Personal Consumer Issues
Topic: quiet natural gas generators
Replies: 38
Views: 4005

Re: quiet natural gas generators

I remember in 2004 or 2005 hearing coworkers talking about investing in a company that made small natural gas turbine generators that were about the size of a refrigerator. I thought the name was Keystone, but apparently there is a company called Capstone that makes what I was remembering. Turns out...
by jasc15
Thu Nov 16, 2017 11:34 am
Forum: Personal Consumer Issues
Topic: Has used furniture dropped in value dramatically?
Replies: 119
Views: 14953

Re: Has used furniture dropped in value dramatically?

How expensive? More than a couple grand? It's been a few months since I've read anything about it, but the brands I came across at the time were Wesley Hall, Bradington-Young, Taylor King, which sofas in the $3000 range. They aren't easily priced online, and I haven't gone to the point of visiting ...
by jasc15
Thu Nov 16, 2017 10:39 am
Forum: Personal Consumer Issues
Topic: Has used furniture dropped in value dramatically?
Replies: 119
Views: 14953

Re: Has used furniture dropped in value dramatically?

This whole thread is making me reconsider my thoughts on expensive sofas. Do I really need the "eight way hand tied" sofa with kiln dried hardwood frame for 2x or 3x the cost of an adequate sofa? Justifying that quality furniture "holds its value" isn't really good enough, plus I will end up stressi...
by jasc15
Thu Nov 02, 2017 10:39 am
Forum: Personal Consumer Issues
Topic: Spam calls to cell phone...
Replies: 123
Views: 15594

Re: Spam calls to cell phone...

mrc wrote:
Thu Nov 02, 2017 9:56 am
This has been happening on my land line for a couple months, where the area code and exchange matches, with a random last 4. For example, say I live in Iowa and my number is 712.322.1234. The call will come in 712.322.xxxx.
My wife recently got a call from her exact number.