Search found 1395 matches

by jlawrence01
Wed Sep 19, 2018 12:19 am
Forum: Personal Consumer Issues
Topic: Experiences downsizing to single car
Replies: 34
Views: 2696

Re: Experiences downsizing to single car

We have been down to one car since December 2014. We have several ways of dealing with it. First, we use public transportation, especially when we are heading to rtwn. Second, for local trips, we borrow one of our neighbors cars. They like to have their cars driven occasionally. In return, we watch ...
by jlawrence01
Mon Sep 10, 2018 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else not save for cars?
Replies: 113
Views: 9844

Re: Anyone else not save for cars?

I do not save money that s specifically dedicated to purchasing a new car or taking a vacation or making home repairs. We place them in the budget in the time period that we expect the expenditure to take place and forget about it. My friend always takes the other approach. In 1992, he bought a new ...
by jlawrence01
Fri Sep 07, 2018 7:55 pm
Forum: Personal Consumer Issues
Topic: How do you save money on groceries?
Replies: 155
Views: 9623

Re: How do you save money on groceries?

My favorite place for grocery savings however is a salvage supermarket. This is where you find things dented, pulled for labeling changes, expired and overstocks. There's one of these about an hour away from me, but not a single one exists in my state. We have been doing that for 10-15 years. When ...
by jlawrence01
Fri Aug 31, 2018 6:53 am
Forum: Personal Consumer Issues
Topic: Nanny online payment services - why are they so expensive?
Replies: 30
Views: 3260

Re: Nanny online payment services - why are they so expensive?

Another way of getting around the reporting requirements would be to talk to a temporary agency and negotiate the cost of having them take your domestic employee on as an employee. They take care of all of the taxes, workers compensation, etc. and you have no need to worry about the reporting. Then...
by jlawrence01
Thu Aug 30, 2018 11:59 pm
Forum: Personal Consumer Issues
Topic: Nanny online payment services - why are they so expensive?
Replies: 30
Views: 3260

Re: Nanny online payment services - why are they so expensive?

Another way of getting around the reporting requirements would be to talk to a temporary agency and negotiate the cost of having them take your domestic employee on as an employee. They take care of all of the taxes, workers compensation, etc. and you have no need to worry about the reporting. Then ...
by jlawrence01
Thu Aug 30, 2018 11:45 pm
Forum: Personal Consumer Issues
Topic: How do you save money on groceries?
Replies: 155
Views: 9623

Re: How do you save money on groceries?

One word: ALDI Walmart and Aldi are a good combo. Actually, I have been getting better everyday low pricing at the local Kroger affiliate in Arizona than I got at Walmart. Then when you factor in the specials and digital coupon, there is really little need to deal with Walmart. In addition, there i...
by jlawrence01
Thu Aug 23, 2018 11:16 pm
Forum: Personal Consumer Issues
Topic: Used/New car - Help decide please
Replies: 46
Views: 2218

Re: Used/New car - Help decide please

The vehicle has the warranty, not the buyer. Yes the original factory warranty transfers to the next owner in all cases known to me. The Hyundai guy may not have his facts correct. That is not true on the Hyundai/Kia 100 k warranty. From the Hyundai website: Covers repair or replacement of powertra...
by jlawrence01
Thu Aug 23, 2018 11:06 pm
Forum: Personal Consumer Issues
Topic: Used/New car - Help decide please
Replies: 46
Views: 2218

Re: Used/New car - Help decide please

I currently drive a 2007 Toyota Corolla with 135k miles. If I was in the market for another vehicle, my choice would be a 2018 Hyundai Accent. I have taken both the 2017 Corolla and the 2017 Hyundai Elantra on rentals of 4,000+ miles and I must say that my wife and I both prefered the Elantra. The f...
by jlawrence01
Thu Aug 23, 2018 10:58 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3686
Views: 1056884

Re: What Movie Have You Recently Watched?

Movies of the week: Crazy Rich Asians - actually, the movie was better than the previews My wife is ready to book tickets to Singapore. The Cakemaker - An interesting love story with a lot of twists. Shaft - Nothing like a Blacksploitation movie although I thought that the Penitentiary series was a ...
by jlawrence01
Sun Aug 19, 2018 6:15 pm
Forum: Personal Consumer Issues
Topic: Soap for hand washing dishes
Replies: 40
Views: 2213

Re: Soap for hand washing dishes

Liquid Ivory for normal dishes. Dawn for greasy messes.

Tide also works very well for washing dishes and has been promoted as such in commercial kitchens.
by jlawrence01
Sun Aug 12, 2018 2:06 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3686
Views: 1056884

Re: What Movie Have You Recently Watched?

This week's movies: Skyscraper - There was not much else showing and it was mildly entertaining. Not great cinema. Jungle Book (2016) - Quite an enjoyable movie; a really good family movie. The Bleeding Edge - A documentary on the medical device industry. It could have been a good film if the film m...
by jlawrence01
Fri Aug 10, 2018 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: Should I tell my family/friend that they are making a financial mistake?
Replies: 87
Views: 8049

Re: Should I tell my family/friend that they are making a financial mistake?

The last time that I advised someone about the positives of investing in low-cost mutual funds, the individual asked me to come over and take a look at this. The individual had a drawer full of 12-16% Certificates of Deposit with a number of banks durations of 10-15 years totalling $500k dating back...
by jlawrence01
Wed Aug 08, 2018 7:20 pm
Forum: Personal Consumer Issues
Topic: "Dollar Tree Store" favorites
Replies: 84
Views: 6741

Re: "Dollar Tree Store" favorites

Since this site is full of very knowledgeable people.... Can someone tell me if 'Tapatio' hot sauce sold here is legit? It's the 10oz container, but everywhere else it sells for around $5... Here $1. After reading about the toothpaste and other consumption goods sold at the dollar tree I'm wonderin...
by jlawrence01
Tue Aug 07, 2018 12:59 pm
Forum: Personal Consumer Issues
Topic: are mccormick gourmet spices better
Replies: 71
Views: 6307

Re: are mccormick gourmet spices better

I find Penzy's over priced. Some of the mixes are interesting, but I buy from local ethnic markets. The price differences are astonishing. Agreed. Also, of you give Penzey's your e-mail address, you will get political messages on a quarterly basis. Whether I agree with Bill Penzey's politics, he sh...
by jlawrence01
Tue Aug 07, 2018 12:56 pm
Forum: Personal Consumer Issues
Topic: "Dollar Tree Store" favorites
Replies: 84
Views: 6741

Re: "Dollar Tree Store" favorites

Greeting cards
Toiletries
Colgate toothpaste
Cleaning supplies
Organic produce (99 Only)
Heirloom tomatoes (99 Only)
Closeout name brand foods
by jlawrence01
Mon Aug 06, 2018 10:32 am
Forum: Personal Consumer Issues
Topic: Should I roast my own coffee?
Replies: 43
Views: 2797

Re: Should I roast my own coffee?

You can roast your own coffee, of course, but is it worth the trouble? I have taken up cooking since retiring, but I have decided that I will rely on the experts for certain complex cooking tasks that have a high risk of failure: roasting coffee, baking bread, making pasta, etc. I have derived more...
by jlawrence01
Sun Aug 05, 2018 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: Question to retirees - money or work/life balance?
Replies: 46
Views: 5443

Re: Question to retirees - money or work/life balance?

I never attained work-life balance.

When I was working, I probably spent too much time working.

However, when I hit age 53, I don't work at all. Yes it was worth it.
by jlawrence01
Sun Aug 05, 2018 2:32 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3686
Views: 1056884

Re: What Movie Have You Recently Watched?

This weekend's movies (so far): Adrift - While the visuals were great, there was very little to justify a movie of those length. Christopher Robins - All in all a very good movie. I thought there were more lessons directed to adults than to the children in the audience although would enjoy. Eighth G...
by jlawrence01
Sat Aug 04, 2018 2:21 am
Forum: Personal Consumer Issues
Topic: Touring Singapore in October
Replies: 9
Views: 670

Re: Touring Singapore in October

Since English is a requirement for ALL students in Singapore, nearly ALL young Singaporean students can speak English fairly well. There are hundreds of YouTube channels, mostly in English, that will show you all of the worthwhile places to visit. What is also important is to realize that some of th...
by jlawrence01
Thu Aug 02, 2018 11:14 pm
Forum: Personal Consumer Issues
Topic: Best BBQ in San Antonio
Replies: 41
Views: 3010

Re: Best BBQ in San Antonio

I have family in SA and have been visiting the City for 30+ years. I still very much like Rudy’s. Tried many others but always go back there - it has been very consistent over the years and is also very consistent across its locations. Certainly not “high end” but very good, in my opinion. I always...
by jlawrence01
Wed Aug 01, 2018 10:39 pm
Forum: Personal Consumer Issues
Topic: Attn: Buffalo area Bogleheads --> St. Catharines
Replies: 7
Views: 689

Re: Attn: Buffalo area Bogleheads --> St. Catharines

Look at megabus.com that runs busses from Buffalo Airport to St. Catherine’s. My choice would be to rent a car, but you’ve ruled that out. Do realize that MegaBus allows ONLY one bag to be checked and a small carry-on inside the coach. That could be a problem if you will be carrying a lot of baggage.
by jlawrence01
Wed Aug 01, 2018 10:33 pm
Forum: Personal Consumer Issues
Topic: money saving tips for travel to Canada for a month
Replies: 22
Views: 1763

Re: money saving tips for travel to Canada for a month

Not clear where you will be in Ontario however, remember if you are close to the US you have the option of returning to the States for medical care... We have done this a couple times when it was not urgent but we felt better about getting care in the US... Just a thought.... That option is especia...
by jlawrence01
Wed Jul 25, 2018 12:44 am
Forum: Personal Consumer Issues
Topic: Daughter wants to travel on her own to Montreal
Replies: 105
Views: 7126

Re: Daughter wants to travel on her own to Montreal

General comments: 1) Every 18 year old is described by their parents as "very mature and responsible." Seriously. Over the years I have seen very mature 18 year olds do some very stupid things. 2) For the record, I spend at least a week or two every year in Ottawa, Toronto or Montreal exploring the ...
by jlawrence01
Mon Jul 23, 2018 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: $540 a month on food for graduate student budget too much?
Replies: 81
Views: 6715

Re: $540 a month on food for graduate student budget too much?

Does anyone know a good site that gives you ideas on recipes to buy that is designed to minimize your food budget while giving you healthy recipes? Other than vacations, we spend under $300 a month for two adults. Out of that amount, we also provide meals for many of our elderly neighbors on a week...
by jlawrence01
Sun Jul 22, 2018 10:29 pm
Forum: Personal Consumer Issues
Topic: When to buy airline tickets for Christmas flight?
Replies: 12
Views: 1442

Re: When to buy airline tickets for Christmas flight?

ASAP.

I booked my Christmas tickets home on June 1st, he day that Southwest opened their schedule. There is NO BENEFIT to waiting for a fare sale because there will be no fare sales between December 16 - January 6.
by jlawrence01
Sun Jul 22, 2018 12:04 pm
Forum: Personal Consumer Issues
Topic: Suggestions About Simulating Homemade Chicken Stock
Replies: 28
Views: 1701

Re: Suggestions About Simulating Homemade Chicken Stock

I tend to make a lot of pork stock. Pork bones are generally a lot cheaper than beef or lamb and they are much easier to deal with than chicken bones that need to be strained out. Additionally, a good pork stock is an ideal base for various pho and ramen dishes. Yes, I do produce stocks in the summe...
by jlawrence01
Fri Jul 20, 2018 1:02 pm
Forum: Personal Consumer Issues
Topic: High school graduation monetary gift for nephew
Replies: 37
Views: 2135

Re: High school graduation monetary gift for nephew

For our nephews and nieces, we paid for their books for the first semester of college. I thought that I was getting off cheap until I actually ordered them from Amazon and seen the impact of inflation over the years.
by jlawrence01
Thu Jul 19, 2018 4:37 am
Forum: Personal Finance (Not Investing)
Topic: New book based on Millionaire Next Door
Replies: 120
Views: 16406

Re: New book based on Millionaire Next Door

What is rarely mentioned when calculating the household net worth of teachers is the present value of the pension benefit AS WELL AS the present value of other post-retirement benefits (read that as medical and dental insurance after 30 years of service). I was looking at one Midwestern state's webs...
by jlawrence01
Wed Jul 18, 2018 11:38 pm
Forum: Personal Consumer Issues
Topic: sams club - new member
Replies: 22
Views: 1729

Re: sams club - new member

I saved a lot of money utilizing their pharmacy. It was a lot cheaper than Costco and slightly less than Walmart.
by jlawrence01
Sun Jul 15, 2018 1:14 am
Forum: Personal Consumer Issues
Topic: FedEx / UPS Vacation Hold?
Replies: 12
Views: 1402

Re: FedEx / UPS Vacation Hold?

I use the USPS hold service approximately 10 times a year for the past four years. I have NEVER had a problem. I choose to receive the mail on the first postal delivery day I am back and it arrives. Should I get home a couple days early, I run down and pick it up from the post office which takes abo...
by jlawrence01
Mon Jul 09, 2018 11:54 am
Forum: Personal Consumer Issues
Topic: Ruby Anniversary(40) - Pikes Peak & Estes Park
Replies: 15
Views: 1132

Re: Ruby Anniversary(40) - Pikes Peak & Estes Park

^^^ It looks like you drive up to Mile 16 and take a shuttle the rest of the way: https://www.pikes-peak.com/attractions/pikes-peak-americas-mountain/ Do remember that it takes a lot to acclimate to high altitude. AI would not recommend a drive to Pikes Peak on the first day of a trip to Colorado. W...
by jlawrence01
Sat Jul 07, 2018 6:32 pm
Forum: Personal Consumer Issues
Topic: Tipping in a hotel room/cruise ship room
Replies: 57
Views: 4280

Re: Tipping in a hotel room/cruise ship room

Last year, I saw a YouTube where a UK national was hired on a major cruise line as an assistant waiter. He managed to stick it out for about ten weeks. When you considered his salary and his tips, less the money that he was charged for living expenses, uniform fees, and several other charges. he mad...
by jlawrence01
Sat Jun 30, 2018 1:41 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3686
Views: 1056884

Re: What Movie Have You Recently Watched?

Yesterday's movies were:

Storks (2016) - A surprisingly funny family film

Tag (2018) - Quite a surprising story about a group of adult friends who have played tag for years.
by jlawrence01
Sun Jun 24, 2018 8:15 pm
Forum: Personal Consumer Issues
Topic: 2007 Toyota Corolla
Replies: 39
Views: 2410

Re: 2007 Toyota Corolla

My 2004 Toyota Highlander currently has 305K miles on it. Mind sharing what, if any major maintenance items other than tires, brakes,& batteries that you had to deal with? Did you perform all of the factory recommended maintenance items? My goal is 300,000 for my 2016 4-Runner. All maintenance done...
by jlawrence01
Sun Jun 24, 2018 6:49 pm
Forum: Personal Consumer Issues
Topic: 2007 Toyota Corolla
Replies: 39
Views: 2410

Re: 2007 Toyota Corolla

I have a 2007 Toyota Corolla LE with 134k miles. I will be keeping until 2021 when the registration expired and the car has about 170k. It has been reliable in that it has not let me stranded along the road. However, it has not been inexpensive to maintain and has required nearly as much service as ...
by jlawrence01
Sun Jun 17, 2018 3:04 pm
Forum: Personal Consumer Issues
Topic: Which Supermarket are you?
Replies: 155
Views: 9139

Re: Which Supermarket are you?

I often travel around the state of Arizona as well as the country so I have greater flexibility as to where I shop. Also, I think nothing of buying a year supplies of non-perishable staples if I get a good deal. I shop at the following: Fry's/Kroger's/Smiths - about 50% Winco Foods about 10% - close...
by jlawrence01
Sat Jun 16, 2018 9:34 am
Forum: Personal Consumer Issues
Topic: A vehicle that "sits up" but can't afford CRV
Replies: 63
Views: 5570

Re: A vehicle that "sits up" but can't afford CRV

Since you're on a budget, I'd consider a Civic/Corolla. Sitting up high is overrated. You get more car for your money (newer, lower miles) this way and everyone wants SUV's so they are more expensive. That is NOT true. I drive my elderly neighbors around a lot and they find it a LOT easier to get i...
by jlawrence01
Fri Jun 15, 2018 10:25 am
Forum: Personal Consumer Issues
Topic: A vehicle that "sits up" but can't afford CRV
Replies: 63
Views: 5570

Re: A vehicle that "sits up" but can't afford CRV

One car that I like to drive that would fit all of the qualifications is the KIA Soul.
by jlawrence01
Fri Jun 15, 2018 10:22 am
Forum: Personal Consumer Issues
Topic: Living Abroad - Who's done it?
Replies: 52
Views: 5132

Re: Living Abroad - Who's done it?

I guess that I would take the contrary position. I did NOT accept an overseas assignment when I had opportunities to relocate to Wales or Mexico. One major issue that I encountered was that my wife would not be able to work in the new country which would cut into our income quite substantially. Also...
by jlawrence01
Thu Jun 14, 2018 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Financial strength ratings of auto insurers
Replies: 12
Views: 922

Re: Financial strength ratings of auto insurers

I am more interested in claims service when it comes to auto insurance. Given my experiences with State Farm insurance as an insured and GEICO as a claimant, I would rather stick with small insurance companies that emphasize good claims service. (e.g., Westfield, West Bend Mutual, Auto-Owners, etc.).
by jlawrence01
Thu Jun 14, 2018 10:14 am
Forum: Personal Consumer Issues
Topic: Chipmunk Repellent?
Replies: 36
Views: 2884

Re: Chipmunk Repellent?

A neighbor's cat runs loose and loves to hunt (and sometimes leaves one on my back deck as a 'present'). He/she has taken care of all of our chipmunks, mice and moles. I mean we used to have major problems with all of those, but for 4 or 5 years, no more. You have a good mouser or barn cat there. F...
by jlawrence01
Mon Jun 11, 2018 8:28 pm
Forum: Personal Consumer Issues
Topic: Chipmunk Repellent?
Replies: 36
Views: 2884

Re: Chipmunk Repellent?

Capsaicin laced grains and nuts work well. I have used cayenne and chipotle powders.
by jlawrence01
Sat Jun 09, 2018 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Are you including SS in your planning model? Are the benefits really that high?
Replies: 148
Views: 12432

Re: Are you including SS in your planning model? Are the benefits really that high?

I have never included social security and pensions in my planning models. They could be around in eight years when I retire but they might not be. I figure that if I can live off my savings (Taxable, IRAs, 401(k)s) in my retirement, and pension or Social security is just gravy. Our social security b...
by jlawrence01
Sat Jun 09, 2018 10:14 am
Forum: Personal Consumer Issues
Topic: daughter wants a college transfer?
Replies: 65
Views: 5584

Re: daughter wants a college transfer?

I have a different perspective, I guess. I was a graduate assistant that ran a dorm for a couple of years. In the course of a semester, I would have a minimum of 30-40 people drop by discussing their displeasure with some aspect of college life and expressing a wish to transfer to a different instit...
by jlawrence01
Sat Jun 09, 2018 9:55 am
Forum: Personal Consumer Issues
Topic: College: extraneous expenses
Replies: 32
Views: 3069

Re: College: extraneous expenses

Hello! I will be starting school in the fall living in the dorms for my Bachelor's degree and my parents and grandparents are helping me out a ton, but I will be responsible for books and other extraneous expenses. I have meal plan for 15 meals a week with my college which is included in my Room an...
by jlawrence01
Sun Jun 03, 2018 11:33 pm
Forum: Personal Consumer Issues
Topic: steel cut oats in bulk
Replies: 50
Views: 4385

Re: steel cut oats in bulk

Hopefully you are making a big batch of goetta https://en.m.wikipedia.org/wiki/Goetta but probably not based on your user name :happy Very interesting. I've made that in the past, but didn't know it had a name! My PA Dutch grandparents made scrapple, and my grandfather talked about eating "oat scra...
by jlawrence01
Sun Jun 03, 2018 11:33 pm
Forum: Personal Consumer Issues
Topic: steel cut oats in bulk
Replies: 50
Views: 4385

Re: steel cut oats in bulk

duplicate post
by jlawrence01
Thu May 31, 2018 8:06 pm
Forum: Personal Consumer Issues
Topic: Replaced beater car, oh how ever to regain feelings of financial superiority?
Replies: 29
Views: 3593

Re: Replaced beater car, oh how ever to regain feelings of financial superiority?

^^^ You act like your DH is the only doctor who drives an old beater ... although I do give him credit for keeping a Chevrolet cavalier on the road 13 years. I am not sure that I could have done that. If he wants to regain his sense of superiority, go down to one of the rental car sales lots and let...
by jlawrence01
Thu May 31, 2018 1:28 am
Forum: Personal Consumer Issues
Topic: Enterprise vs Avis
Replies: 43
Views: 2955

Re: Enterprise vs Avis

> $210 for a one-way one week rental from Cincinnati - Tucson. How they are making money on those rentals is more of a question. They make money by getting cars from Cincinnati (where there are few renters) to Tucson (where the summer vacation season has just started). Or maybe some other reason, I...
by jlawrence01
Wed May 30, 2018 4:26 pm
Forum: Personal Consumer Issues
Topic: Enterprise vs Avis
Replies: 43
Views: 2955

Re: Enterprise vs Avis

I have seen bigger differences than that ... with Enterprise being much higher. You better be sure that you have everything entered correctly. Also, are they BOTH airport locations? My next two rentals are $86 for a one week rental at a non-airport location and $210 for a one-way one week rental fro...