Search found 1147 matches

by Quickfoot
Fri Jun 14, 2019 10:53 pm
Forum: Personal Consumer Issues
Topic: Anyone buy Security Cams from Costco?
Replies: 59
Views: 4470

Re: Anyone buy Security Cams from Costco?

The default magnetic mount does use a screw, you probably could improvise an adhesive mount rather than using a screw. Thread on adhesive mounting of Arlo cameras: https://community.arlo.com/t5/Arlo/What-are-my-options-for-adhesive-mounting/td-p/7198 Depending on climate you can use 3M Commander tap...
by Quickfoot
Fri Jun 14, 2019 9:32 pm
Forum: Personal Consumer Issues
Topic: Anyone buy Security Cams from Costco?
Replies: 59
Views: 4470

Re: Anyone buy Security Cams from Costco?

Arlo Pro cameras store to the cloud and will also write to local storage. If someone is cutting your power or jamming wifi you have much larger problems than your cameras and keeping them online with local storage isn't going to help you. I'd actually prefer the video go to the cloud, it prevents th...
by Quickfoot
Fri Jun 14, 2019 8:23 pm
Forum: Personal Consumer Issues
Topic: 50 or 75 gallon water heater?
Replies: 67
Views: 4076

Re: 50 or 75 gallon water heater?

Also you don't need to choose between thankless and a tank water heater, you can get a water heater booster which is a small on demand water heater that is installed on the out valve of your water heater, when it detects that your water temperature drops below a threshold it will kick in and give a ...
by Quickfoot
Fri Jun 14, 2019 8:20 pm
Forum: Personal Consumer Issues
Topic: 50 or 75 gallon water heater?
Replies: 67
Views: 4076

Re: 50 or 75 gallon water heater?

In addition to larger tanks you can also run the heater at a higher temperature, that results in using less hot water because you don't need as much of it to get the desired temperature. Do be careful because too high will produce scalding water on the hot setting. Like a previous poster said a 50 g...
by Quickfoot
Fri Jun 14, 2019 12:52 pm
Forum: Personal Investments
Topic: Purchasing home with less than 20% downpayment experiences?
Replies: 52
Views: 3362

Re: Purchasing home with less than 20% downpayment experiences?

I was wondering, for those of you who purchased a home with less than a 20% downpayment, what was your experience like? Did the costs end up being higher than you anticipated? Were there hidden issues that you did not foresee?? Were your rates higher as a result? And would you recommend it? I am co...
by Quickfoot
Fri Jun 14, 2019 12:50 pm
Forum: Personal Investments
Topic: Investments for Children - equity percentage
Replies: 11
Views: 423

Re: Investments for Children - equity percentage

I did 80% equity, 20% fixed income, I actually reviewed performance at least once a month, more when there was volatility. I WANTED volatility to help my children become comfortable with normal asset valuation changes.
by Quickfoot
Fri Jun 14, 2019 12:43 pm
Forum: Personal Consumer Issues
Topic: Anyone buy Security Cams from Costco?
Replies: 59
Views: 4470

Re: Anyone buy Security Cams from Costco?

Another thing to consider is wifi coverage, a single wifi router is unlikely to provide strong enough through wall signal for a large house. My house is 3000 sqft and I use a 3 node Velop mesh wifi network, excellent in house signal but well insulated exterior walls drastically cut down wifi strengt...
by Quickfoot
Fri Jun 14, 2019 12:17 pm
Forum: Personal Consumer Issues
Topic: Anyone buy Security Cams from Costco?
Replies: 59
Views: 4470

Re: Anyone buy Security Cams from Costco?

I have 5 Nest exterior cameras installed at my house, they are outstanding cameras but require power, the benefit is they record 24x7 not just when they detect motion. I've also used Arlo Pro cameras they are very good but don't record unless they detect motion UNLESS they are connected to power. I'...
by Quickfoot
Mon Jun 10, 2019 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Costco Visa credit limit
Replies: 48
Views: 3043

Re: Costco Visa credit limit

I have both those cards and ~ 10K limits on each, which is significantly lower than most my other cards (Chase gave me >30K on both Marriott and Hyatt). There must be something else going on, if you are wanting higher limits maybe look at cards from other companies.
by Quickfoot
Mon Jun 03, 2019 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Where do I buy term life insurance? What are the best companies?
Replies: 14
Views: 996

Re: Where do I buy term life insurance? What are the best companies?

I've used ReliaQuote to buy 3 policies; it lets you adjust coverage and terms and see the resulting premium for multiple companies in real time.
by Quickfoot
Mon Jun 03, 2019 11:42 am
Forum: Investing - Theory, News & General
Topic: You May Never See Your Grandchildren Again
Replies: 83
Views: 13975

Re: You May Never See Your Grandchildren Again

Fear is an extremely effective short term motivator; unfortunately it tends to be used to manipulate people into making poor choices. This is one of my worst fears for my wife if I pass before her. Think I’ll leave instructions for our investments and point her in the direction of this forum. I'm 38...
by Quickfoot
Mon Jun 03, 2019 11:37 am
Forum: Personal Finance (Not Investing)
Topic: How long have you been unemployed?
Replies: 97
Views: 10881

Re: How long have you been unemployed?

38, I work in information technology (20 years now) and I've been laid off twice but never missed a day of work. Both times I was laid off another team heard I was available and created positions to hire me.
by Quickfoot
Sun Jun 02, 2019 11:12 am
Forum: Personal Investments
Topic: Do you regret taking a pay cut for quality of life?
Replies: 68
Views: 7372

Re: Do you regret taking a pay cut for quality of life?

One thing to consider is if you move to a lower cost of living area you can take a pay cut on paper and maintain effectively the same quality of life or sometimes even increase it. Many people that live in HCOL areas like the bay area, LA or NY believe they can't leave those areas but they can. Decr...
by Quickfoot
Sun Jun 02, 2019 11:02 am
Forum: Personal Consumer Issues
Topic: What to do with old unused laptops?
Replies: 17
Views: 1938

Re: What to do with old unused laptops?

There are also organizations that will take older but not broken computers and repair them and then donate them to families in need. They tend to be local organizations. BestBuy / Staples and other companies usually have "recycling" programs as well. There have been numerous reports that recycling i...
by Quickfoot
Sun Jun 02, 2019 8:42 am
Forum: Personal Investments
Topic: Do you regret taking a pay cut for quality of life?
Replies: 68
Views: 7372

Re: Do you regret taking a pay cut for quality of life?

Quality of life is important, money won’t make you happy. You cannot be miserable at work and happy at home. Maybe, maybe not. Work is trading time for money. I am okay with that. Doesn't impact home/family life. Yes working is necessary, but being unhappy or miserable at work has a profound effect...
by Quickfoot
Sat Jun 01, 2019 11:15 pm
Forum: Personal Investments
Topic: Do you regret taking a pay cut for quality of life?
Replies: 68
Views: 7372

Re: Do you regret taking a pay cut for quality of life?

Quality of life is important, money won’t make you happy. You cannot be miserable at work and happy at home. Ten years ago I took a 20% pay cut going from a very large megacorp that could best be described as dysfunctional and borderline abusive to employees to a non profit that truly valued its emp...
by Quickfoot
Fri May 31, 2019 11:31 pm
Forum: Personal Consumer Issues
Topic: Getting out of timeshare
Replies: 13
Views: 2672

Re: Getting out of timeshare

My grandmother just got out of a timeshare with deed in lieu of foreclosure. In her case she hadn’t been able to pay the yearly membership for a number of years. Your options typically are to sell it to someone (this can take take a long time), pay fees to get out or let them get close to foreclosur...
by Quickfoot
Fri May 31, 2019 11:01 am
Forum: Personal Consumer Issues
Topic: How to save on prescription drug costs?
Replies: 60
Views: 4648

Re: How to save on prescription drug costs?

Ask your pharmacist if the prescribed med has a similar generic drug that has a mechanism of action like the brand name drug with similar effectiveness. Ask your Dr to change the order to that generic. You can go beyond generic and ask for different medications. Most insurance plans have websites o...
by Quickfoot
Tue May 28, 2019 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: House not selling
Replies: 134
Views: 10340

Re: House not selling

You will be better off taking it off the market for a couple weeks and relisting. That will get you the initial burst of people seeing the property again and allow you to avoid a long price cut history which indicates a seller under pressure. A lot of people get automatic email alerts when matching ...
by Quickfoot
Mon May 27, 2019 5:23 pm
Forum: Personal Consumer Issues
Topic: Using blacklight for cleaning
Replies: 13
Views: 1412

Re: Using blacklight for cleaning

Blacklight seems like a solution in search of a problem. There has been a trend over the past 15 years or so for people to try to live in microbe free homes; this isn't healthy. Use quality cleaners and clean on a frequent enough schedule and you should be fine. If you can't see it, feel it or smell...
by Quickfoot
Mon May 27, 2019 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone have success getting their company to amend its 401k plan?
Replies: 8
Views: 569

Re: Anyone have success getting their company to amend its 401k plan?

I was actually able to get my last company to make Vanguard funds available in our 401k and then also to move our entire plan to Vanguard and get access to institutional funds. Any time you are talking to management you need to help explain why it is important to the company, how it helps reduce ris...
by Quickfoot
Sun May 26, 2019 2:39 pm
Forum: Personal Consumer Issues
Topic: Extended auto warranty - who to buy from, if you want to
Replies: 40
Views: 2091

Re: Extended auto warranty - who to buy from, if you want to

The problem is with modern automobiles the power train is extremely unlikely to have any major problems during the term of either the factory or an extended warranty. Modern cars can easily do 200K miles, trucks last longer and can do 250K+ miles before having major power train problems. If there AR...
by Quickfoot
Sun May 26, 2019 1:48 pm
Forum: Personal Consumer Issues
Topic: Extended auto warranty - who to buy from, if you want to
Replies: 40
Views: 2091

Re: Extended auto warranty - who to buy from, if you want to

The only extra offer that's really worth it is GAP insurance, it is already included in leases but is not included in purchased vehicles. It is especially important to get GAP insurance if you are buying a new car because you will have negative equity as soon as you close or a used one and will have...
by Quickfoot
Thu May 23, 2019 9:41 pm
Forum: Investing - Theory, News & General
Topic: Is the housing market starting to collapse?
Replies: 122
Views: 12405

Re: Is the housing market starting to collapse?

It's more than likely not going to collapse, it will likely gradually slow until inflation makes prices more reasonable. Very unlikely we will see anything like the 2008 collapse again in our lifetimes. Sales are down but so is inventory and starts in most places, makes sense sales would be down whe...
by Quickfoot
Wed May 22, 2019 8:52 am
Forum: Personal Consumer Issues
Topic: Another Honda maintenance thread
Replies: 44
Views: 3433

Re: Another Honda maintenance thread

Dealers make most their money in service, with modern fluids you do NOT need to change them more frequently than manufacturer recommendation. People that change transmission fluid every 15-20K miles aren't necessarily hurting anything but they aren't helping anything either. Car maintenance has esse...
by Quickfoot
Tue May 21, 2019 11:17 pm
Forum: Personal Consumer Issues
Topic: Another Honda maintenance thread
Replies: 44
Views: 3433

Re: Another Honda maintenance thread

Save yourself a lot of headache and just follow factory maintenance. 200K miles is NOT a lot of miles to put on a modern car, Ford expects a Ford Focus to not need ANY major power train work until 250K miles with normal factory maintenance. With computer enhanced manufacturing and tight tolerances a...
by Quickfoot
Tue May 21, 2019 9:53 pm
Forum: Personal Consumer Issues
Topic: Computer speed question which computer is faster and why?
Replies: 22
Views: 1520

Re: Computer speed question which computer is faster and why?

i7 and i3 have many iterations. Here's a comparison of like chips respectively. https://cpu.userbenchmark.com/Compare/Intel-Core-i7-8700K-vs-Intel-Core-i3-550/3937vsm632 SSD drives are really fast and can make booting 20-40 seconds instead of 3-5 minutes. But after the boot, you are not going to en...
by Quickfoot
Mon May 20, 2019 5:48 pm
Forum: Personal Consumer Issues
Topic: Do handymen typically guarantee work?
Replies: 20
Views: 1497

Re: Do handymen typically guarantee work?

Parts snapping / breaking generally mean you overloaded it, or have a poor quality product unless the handyman supplied or recommended the product I wouldn't expect them to cover the cost of fixing it. Coming out of the wall or other installation issues could be a reflection on the quality of their ...
by Quickfoot
Mon May 20, 2019 1:12 pm
Forum: Personal Consumer Issues
Topic: Microsoft Wireless Display Adapter Alternative?
Replies: 15
Views: 672

Re: Microsoft Wireless Display Adapter Alternative?

Make sure you have good wifi signal, wifi performance drops quickly as signal strength drops. The chromecast ultra costs a bit more but it has an ethernet port so if you have ethernet near your TV it may be worth getting. You can also get an ethernet adapter for the standard chromecast at: https://s...
by Quickfoot
Mon May 20, 2019 12:15 pm
Forum: Personal Consumer Issues
Topic: Dealing with construction noise
Replies: 27
Views: 1777

Re: Dealing with construction noise

No different than moving into a subdivision that isn't built all the way (which we did in December). Subdivisions have noise restrictions so they are only allowed to work during certain hours. Keep your windows closed and use headphones as necessary, I use my Sonos sound system a lot too. I'm a data...
by Quickfoot
Mon May 20, 2019 11:46 am
Forum: Personal Consumer Issues
Topic: Microsoft Wireless Display Adapter Alternative?
Replies: 15
Views: 672

Re: Microsoft Wireless Display Adapter Alternative?

No wireless screen mirroring technology is going to keep up with face paced videos. The problem with wireless HDMI is HDMI is inherently high bandwidth (18 gbit/s), it is better to use something like a Firestick and connect that to your TV HDMI port, then setup a media server (you can get them free...
by Quickfoot
Mon May 20, 2019 10:22 am
Forum: Personal Consumer Issues
Topic: Microsoft Wireless Display Adapter Alternative?
Replies: 15
Views: 672

Re: Microsoft Wireless Display Adapter Alternative?

No wireless screen mirroring technology is going to keep up with face paced videos. The problem with wireless HDMI is HDMI is inherently high bandwidth (18 gbit/s), it is better to use something like a Firestick and connect that to your TV HDMI port, then setup a media server (you can get them free)...
by Quickfoot
Mon May 20, 2019 10:12 am
Forum: Personal Consumer Issues
Topic: Microsoft Wireless Display Adapter Alternative?
Replies: 15
Views: 672

Re: Microsoft Wireless Display Adapter Alternative?

All my Smart TVs have built in wireless display technology. The problem isn't MIcrosoft's adapter, it's what you are doing with it. The adapter is meant to be used for things like slide presentations, software demos, etc and NOT streaming video. Nearly all wireless display protocols have problems wi...
by Quickfoot
Sat May 18, 2019 10:49 pm
Forum: Personal Consumer Issues
Topic: Tired of a reel mower
Replies: 42
Views: 3820

Re: Tired of a reel mower

I have the 80v Greenworks mower and it does a fantastic job cutting. I actually was able to mow my lawn 4 times before charging with the 4ah battery. It does ramp up and down based on density of the grass but that hasn't been a problem.
by Quickfoot
Sat May 18, 2019 9:34 pm
Forum: Personal Consumer Issues
Topic: When to buy a vacation home
Replies: 26
Views: 2637

Re: When to buy a vacation home

In my opinion you'd be better off doing VRBO or AirBNB during the times you can get away, lower risk and you aren't locked into one location. LIke another poster said values plummet during poor economic times and can take longer to recover because the primary demand isn't as a primary residence. It ...
by Quickfoot
Sat May 18, 2019 6:02 pm
Forum: Personal Consumer Issues
Topic: When to buy a vacation home
Replies: 26
Views: 2637

Re: When to buy a vacation home

Vacation homes generally aren't good ideas financially. Occasionally they make sense but keep emotion and desire out of it and make sure you are looking at it logically. How much do you want every vacation to be to the same location, how about your family? Most often people are better off renting th...
by Quickfoot
Thu May 16, 2019 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Logistics of splitting tuition costs with child
Replies: 77
Views: 3427

Re: Logistics of splitting tuition costs with child

Ultimately if they have 100K debt from a bachelor degree they went to the wrong school. A lot of the problem these days is students see college as an experience rather than education. They will go spend 120K getting a bachelor degree when they could spend 40K on a comparable program from a different...
by Quickfoot
Thu May 16, 2019 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Logistics of splitting tuition costs with child
Replies: 77
Views: 3427

Re: Logistics of splitting tuition costs with child

Also look into state credits and dual program classes, in our state it is possible for a student to graduate high school with a regionally accredited associate's degree at zero cost (state pays tuition). The associate's degree also has guaranteed transfer into and results in guaranteed admittance in...
by Quickfoot
Thu May 16, 2019 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Logistics of splitting tuition costs with child
Replies: 77
Views: 3427

Re: Logistics of splitting tuition costs with child

It's unlikely college costs will continue to increase 6% per year, it isn't tenable. We thought about paying up to instate tuition for our kid's college and backed away from that. We will provide them with free room and board while they go to college, that saves them 50% compared to staying in dorms...
by Quickfoot
Wed May 15, 2019 11:07 am
Forum: Personal Consumer Issues
Topic: Dental discount for senior recommendations
Replies: 21
Views: 1741

Re: Dental discount for senior recommendations

Some offices will do sliding scale fees for elderly people, worth asking. The "cash" discounts people like to talk about aren't really discounts, insurance pays lower than the bill rate so really after the "cash" discount is applied you are paying about what they would get if they billed insurance a...
by Quickfoot
Tue May 14, 2019 2:54 pm
Forum: Personal Consumer Issues
Topic: One-day sale on cable modems [Amazon]
Replies: 14
Views: 1057

Re: One-day sale on cable modems [Amazon]

That's a good price on the 8200, I have it for gigabit Internet and it works well. Don't pay any mind to the "capable of 10 gbit" thing because the link to the local LAN is only 1 gbit, even running both ports you are only going to get 2 gbit into your local network maximum and unless you are runnin...
by Quickfoot
Mon May 13, 2019 1:40 pm
Forum: Personal Consumer Issues
Topic: Internet speed recommendation
Replies: 26
Views: 1559

Re: Internet speed recommendation

WIth 12/2 Netflix will work but you should go into your account and set quality to DVD instead of Ultra which will disable 4K streaming Most users should not need to do this unless they are worried about data quotas. Netflix automatically adjusts to a bitrate your connection can stream reliably. My...
by Quickfoot
Mon May 13, 2019 12:11 pm
Forum: Personal Consumer Issues
Topic: Internet speed recommendation
Replies: 26
Views: 1559

Re: Internet speed recommendation

I did fine with 6 mbps download/1 mbps upload. Then my carrier boosted the minimum to 12 mbps down/2 mbps up with no fee increase. Still doing fine. If you upload huge files frequently, that might be a consideration. Technically 12/2 isn't even broadband, the FCC defines broadband as at least 25 mb...
by Quickfoot
Mon May 13, 2019 12:08 pm
Forum: Personal Consumer Issues
Topic: Internet speed recommendation
Replies: 26
Views: 1559

Re: Internet speed recommendation

You can test your to netflix connectivity at fast.com. Netflix put together fast.com because people were complaining to them but their Internet connectivity just was horrible. Your ISP saying "Up to XXX speed" is not the same as actually getting that speed. DSL in particular is notorious for only gi...
by Quickfoot
Mon May 13, 2019 12:01 pm
Forum: Personal Consumer Issues
Topic: Internet speed recommendation
Replies: 26
Views: 1559

Re: Internet speed recommendation

Netflix 4K streams are ~ 15 mbit/s, DVD quality is closer to 3-5 mbits. If you are actually getting the advertised speed anything over about 30 mbit will be perfectly usable for most people. I have gigabit (I work from home) but honestly it's overkill. I was able to run 3 4K streams + work from home...
by Quickfoot
Thu May 09, 2019 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: House selling - modern norms
Replies: 36
Views: 5304

Re: House selling - modern norms

Did some reading and it seems the optimal target for furnishings and such is "not empty, but not too cluttered". I'm not sure about the right balance, and juggling staging versus moving versus house cleanout/estate sale issues should be. I just sold a house. I'm not a believer in staging. I think a...
by Quickfoot
Mon May 06, 2019 7:58 am
Forum: Personal Finance (Not Investing)
Topic: What do you do with variable bonus?
Replies: 24
Views: 1748

Re: What do you do with variable bonus?

It would be reasonable to spend some of your bonus and invest the rest. Treat yourself or your family to something you wouldn't normally do but don't spend the entire thing. I treat bonuses as unexpected income, that is don't build your life expecting to get it. Doing this results in much less stres...
by Quickfoot
Sun May 05, 2019 2:31 pm
Forum: Personal Consumer Issues
Topic: Luxury car recommendations?
Replies: 107
Views: 9669

Re: Luxury car recommendations?

Lexus Lexus Lexus. If you like sedans, then lexus LS. if you like suvs, then lexus lx. Stay away from the German money pits. Also, NEVER buy a used luxury car. you'll be burned badly i guarantee. Actually you should never buy a new one. Luxury cars depreciate about 50% the first 3 years, all modern...
by Quickfoot
Sun May 05, 2019 2:23 pm
Forum: Personal Consumer Issues
Topic: Outdoor Jacuzzi - Cost vs Value?
Replies: 22
Views: 2415

Re: Outdoor Jacuzzi - Cost vs Value?

You might also look to see if there are spas that rent hot tub time in your area. In ours you can get 1.5 hours for 2 for about $55 in a $13,000 spa and not have to worry about chemicals or upkeep. We just got one, we went with HotSprings Vanguard which is a luxury spa, with the salt system it cost ...
by Quickfoot
Fri May 03, 2019 2:30 pm
Forum: Personal Consumer Issues
Topic: Car lost acceleration
Replies: 111
Views: 6068

Re: Car lost acceleration

I am not adverse to spending money to fix, but have had over $10K in extra expenses in the last few months, plus wife on maternity earning half income for 3 months.... So I would be fine paying someone $100 to put secure the battery and whatever small fix for the acceleration, fuel filter, fuel inj...