Search found 574 matches

by yatesd
Thu Feb 13, 2020 7:03 pm
Forum: Personal Consumer Issues
Topic: How big of a car do you need for a kid and his/her stuff?
Replies: 66
Views: 3334

Re: How big of a car do you need for a kid and his/her stuff?

In Vietnam they manage a family of 4 and all of their shopping on one scooter, so yes a small car will work. That said, with (1) child, a dog, and grandparents, we have preferred 7 seaters (minivan, or SUV). A large hatchback or wagon is also a decent compromise. Some things to consider: - Family ro...
by yatesd
Mon Jan 27, 2020 7:04 am
Forum: Personal Consumer Issues
Topic: Clearwater Beach Hotels
Replies: 4
Views: 759

Re: Clearwater Beach Hotels

I primarily stay in chain hotels and had a pleasant experience with the Hyatt many years ago. That said, I also had the chance to stay at the Sandpearl about a year ago and it would definitely be on my short list. I remember receiving great service, the room was beautiful with a great view, and I wa...
by yatesd
Sun Jan 26, 2020 6:39 am
Forum: Personal Consumer Issues
Topic: Global Entry [wait time for interview]
Replies: 69
Views: 4584

Re: Global Entry

OK, unfortunately I am an expert in this area. :annoyed My Global Entry expired and when I went to renew it gave me an interview date 4 months out. When I arrived at the BWI airport there were no lines and the guy mentioned, "yeah, most people don't know this...but BWI is one of the few locations wh...
by yatesd
Sun Jan 12, 2020 9:15 am
Forum: Personal Consumer Issues
Topic: speakers
Replies: 32
Views: 2839

Re: speakers

I love great speakers and great sound. Don't have any specific recommendations except to not compromise too much on size. I prefer floor standing.

My biggest tip...avsforum is the best place to get guidance in this area.

https://www.avsforum.com/forum/index.php
by yatesd
Sat Dec 21, 2019 10:23 pm
Forum: Personal Consumer Issues
Topic: RESOLVED: Wife needs new Wine Fridge / Chiller: we don't buy wine expensive enough that it needs to be aged...
Replies: 53
Views: 3402

Re: Wife needs new Wine Fridge / Chiller: we don't buy wine expensive enough that it needs to be aged...

I've had 3 different ones at two different homes. I had typed a long message but accidentally closed the tab :oops: . The first one was from Costco and broke a month after the warranty ended (1 year) but they took it back. FWIW, I have this one and have had it for 5 years. It is $399 at HD (but I p...
by yatesd
Sat Dec 21, 2019 10:17 pm
Forum: Personal Consumer Issues
Topic: RESOLVED: Wife needs new Wine Fridge / Chiller: we don't buy wine expensive enough that it needs to be aged...
Replies: 53
Views: 3402

Re: Wife needs new Wine Fridge / Chiller: we don't buy wine expensive enough that it needs to be aged...

I'll just add that Uline and Summit also seemed to be reputable, although expensive brands along with Marvel. I can only speculate that the combination of engineering for the compact cooling and heat dissipation out the front along with the relatively low sales volumes increases the price. A budget ...
by yatesd
Sat Dec 21, 2019 10:11 pm
Forum: Personal Consumer Issues
Topic: RESOLVED: Wife needs new Wine Fridge / Chiller: we don't buy wine expensive enough that it needs to be aged...
Replies: 53
Views: 3402

Re: Wife needs new Wine Fridge / Chiller: we don't buy wine expensive enough that it needs to be aged...

This is what I learned a few years ago when I went to add a beverage refrigerator that could handle a combination of beer/wine. - If you want a standalone one, they are pretty cheap and sold almost everywhere. - If you want a built in one that will last, they are expensive! Most seemed to be in the ...
by yatesd
Fri Nov 29, 2019 8:11 am
Forum: Personal Finance (Not Investing)
Topic: H&R BLOCK Pre-Order 2019 Software Offer
Replies: 317
Views: 27326

Re: H&R BLOCK Pre-Order 2019 Software Offer

Newegg just emailed a Black Friday only sale with the two offers with State below (download or CD) for $19.95. I will wait until later in the year in hopes to get a lower price, but this is a good deal for those who want the software sooner. H&R BLOCK Tax Software Deluxe + State 2019 Windows - Down...
by yatesd
Mon Oct 28, 2019 6:11 am
Forum: Personal Finance (Not Investing)
Topic: 15 vs 20 year term life???
Replies: 33
Views: 2479

Re: 15 vs 20 year term life???

I would go with 10 year term. How much do you save? Why give any extra to an insurance company. Maybe donate the $$$ saved to a charity. No one is really depending on you after your youngest is 18. In 10 years I would be surprised if you didn't have a positive net worth if you died (to pass on to he...
by yatesd
Fri Sep 06, 2019 3:48 am
Forum: Personal Finance (Not Investing)
Topic: How does my auto insurance look to you? Is the coverage ok?
Replies: 43
Views: 2578

Re: How does my auto insurance look to you? Is the coverage ok?

My understanding is MEDICAL PAYMENTS can be $0 if you have an umbrella. Does that sound right? No, no, no. Your umbrella is likely LIABILITY ONLY. MAX out the medpay and UM. That is what protects YOU. If you are hit by an uninsured or underinsured motorist and seriously injured, that $25k UM will n...
by yatesd
Wed Aug 28, 2019 7:04 pm
Forum: Personal Consumer Issues
Topic: Diesel Chevy Equinox a good idea?
Replies: 36
Views: 1697

Re: Diesel Chevy Equinox a good idea?

I haven't researched this version enough but Chevy Equinox is Chevy's #2 best selling vehicle and has a good reputation. Chevrolet should have good experience with diesel reliability since they owned Opel until recently. https://www.motortrend.com/news/tech-deep-dive-gm-1-6-liter-lh7-turbodiesel/ Yo...
by yatesd
Sat Jul 20, 2019 6:17 am
Forum: Personal Consumer Issues
Topic: Trans-Atlantic Flight Delayed 12 Hours
Replies: 67
Views: 5211

Re: Trans-Atlantic Flight Delayed 12 Hours

I alway self insure. Haven't had a ruined vacation yet and I am sure plenty of $$$ saved. The closest thing for us was an extra $300 hotel in Toronto with a flight issue that would have been much less than the insurance cost. I just think about the costs, intermediaries, disclaimers, fine print, fil...
by yatesd
Wed Jul 03, 2019 4:43 am
Forum: Personal Consumer Issues
Topic: Parents got ripped off, what can I do about it?
Replies: 75
Views: 7346

Re: Parents got ripped off, what can I do about it?

If this is in the US, your parents didn't get ripped off and may not have been charged as much as the company needed to be profitable. Not sure what you do for a living but I assume you make at least minimum wage. If the plumber makes $20, their wholesale burden rate is at least $40. - $20 per hour ...
by yatesd
Wed Jun 12, 2019 7:13 am
Forum: Personal Consumer Issues
Topic: Recommend an American medium size car
Replies: 32
Views: 2668

Re: Recommend an American medium size car

Plus, the fact that most people seem to be missing is American owned is significantly different than just American made. Only two American owned brands remain...GM and Ford. As others have noted, 2 doors are increasingly rare. Perhaps a Buick Lacrosse or a Chevy Impala will feel familiar to someone ...
by yatesd
Sun Jun 09, 2019 11:39 am
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 218
Views: 19404

Re: Are You Dumping Netflix?

I recently did the trial and decided not to renew: - Very limited 4K content (paid extra for this plan) - Too much original content (Netflix generic stuff) and not enough actual movies - I don't like the trend of Amazon and Netflix "recommending" things for me. It's too invasive, doesn't work well, ...
by yatesd
Thu May 23, 2019 6:20 am
Forum: Personal Consumer Issues
Topic: Is Tesla Going To Survive?
Replies: 99
Views: 7833

Re: Is Tesla Going To Survive?

While Audi and other legacy makes are coming into the EV space, Tesla will maintain key advantages: 1) OTA software updates 2) Lack of a dealer network 3) Supercharger network at key locations to enable long distance travel 4) Autopilot 5) Brand equity Musk needs to reduce the cash burn and realize...
by yatesd
Tue Apr 23, 2019 6:18 am
Forum: Personal Consumer Issues
Topic: Mechanic mishap - able to stop significant damage - how to avoid in future?
Replies: 59
Views: 3893

Re: Mechanic mishap - able to stop significant damage - how to avoid in future?

And this is a reason that I generally take my cars to a dealer or a shop that invests in ASE certified techs. That said, every shop has a combination of new people and experienced people. The new people will generally do the easiest tasks but these are not without risk to the owner (oil changes, tir...
by yatesd
Fri Apr 19, 2019 7:48 am
Forum: Personal Finance (Not Investing)
Topic: Dealership vs independent mechanics
Replies: 23
Views: 1847

Re: Dealership vs independent mechanics

My strategy is to use dealer during warranty period. If something fails early there may be manufacturer support, recalls, etc. As an example: took my VW to the dealer did 6 quart synthetic oil change for $65 and did software update as part of recall. Once a car is clearly out of warranty things are ...
by yatesd
Tue Mar 26, 2019 8:48 pm
Forum: Investing - Theory, News & General
Topic: M.I.T.'s Andrew Lo says Buy and Hold dosen't work
Replies: 116
Views: 20275

Re: M.I.T.'s Andrew Lo says Buy and Hold dosen't work

I'll just add that I find Money magazine useless. I have a subscription from using 100 airline miles and while technically a deal, it is not even worth this price. Other than this forum, I prefer Kiplinger's and Wall Street Journal.
by yatesd
Thu Mar 21, 2019 5:41 am
Forum: Personal Investments
Topic: How to get over a $25K stock market loss?
Replies: 125
Views: 11617

Re: How to get over a $25K stock market loss?

I want to point out that if you are diversified you are almost always losing money somewhere. I am never 100% in the winners club. :moneybag

Whether it is stocks, bonds, real estate, or cash (that could have been invested)...
by yatesd
Fri Mar 15, 2019 8:05 pm
Forum: Personal Consumer Issues
Topic: Espresso Maker 2019
Replies: 106
Views: 7802

Re: Espresso Maker 2019

Personally I bought my setup at Chris Coffee https://www.chriscoffee.com/Default.asp My suggestion, stick with French Press (which we still use for our "to go cups" and a less expensive grinder set to course https://www.capresso.com/infinity-conical-burr-grinder-stainless-steel-1.html Or go all out ...
by yatesd
Thu Feb 28, 2019 5:49 am
Forum: Personal Finance (Not Investing)
Topic: Client From Hell Is Driving Me Insane!
Replies: 60
Views: 8387

Re: Client From Hell Is Driving Me Insane!

Sounds like a great client. They are paying your firm and not physically hurting you. :sharebeer Seriously, you are not the first person to have a challenging customer. I'd encourage you to make the best of it...especially since it only consumes 25% of your workload. Here is my main suggestion: The ...
by yatesd
Tue Feb 26, 2019 6:01 am
Forum: Investing - Theory, News & General
Topic: Does investing actually help a company ?
Replies: 46
Views: 3243

Re: Does investing actually help a company ?

Issuing stocks and bonds is how a company raises capital. So directly or indirectly you are helping the company and making a bet they will be more successful or less risky than other options. I use index funds but this is one reason that I tend to do a little more home bias and I suspect a reason o...
by yatesd
Sat Feb 23, 2019 8:11 am
Forum: Investing - Theory, News & General
Topic: Does investing actually help a company ?
Replies: 46
Views: 3243

Re: Does investing actually help a company ?

Issuing stocks and bonds is how a company raises capital. So directly or indirectly you are helping the company and making a bet they will be more successful or less risky than other options. I use index funds but this is one reason that I tend to do a little more home bias and I suspect a reason ot...
by yatesd
Mon Jan 28, 2019 8:04 pm
Forum: Personal Consumer Issues
Topic: All inclusive resort with 9 year old?
Replies: 16
Views: 2374

Re: All inclusive resort with 9 year old?

If you enjoy a quieter experience the Fairmont Mayakoba in Playa Del Carmen with their inclusive option is a great option. Cheap flights to Cancun.

Another option that would tempt me with a 9 year old would be Xcaret.
https://www.xcaret.com/en/hotel-xcaret-mexico/
by yatesd
Mon Jan 28, 2019 7:55 pm
Forum: Personal Consumer Issues
Topic: What is the best all-inclusive resort you have ever visited?
Replies: 79
Views: 14127

Re: What is the best all-inclusive resort you have ever visi

Peter Island Resort - British Virgin Islands Beautiful location, top notch food. I think alcoholic drinks were billed separately however. We did Peter's island about 26 years ago for our honeymoon and still have great memories. Last year we enjoyed Fairmont Mayakoba in Playa Del Carmen using their ...
by yatesd
Sun Jan 20, 2019 2:59 pm
Forum: Personal Consumer Issues
Topic: Internet filtering for kids
Replies: 9
Views: 373

Re: Internet filtering for kids

I personally use a combination of Microsoft family safety (free) and Qustodio (charge but works across multiple devices.

Microsoft Family Safety
https://account.microsoft.com/family/

Qustodio
https://www.qustodio.com/en/
by yatesd
Tue Jan 08, 2019 9:44 pm
Forum: Personal Consumer Issues
Topic: Expensive DSLR through airport security
Replies: 45
Views: 3472

Re: Expensive DSLR through airport security

I am a Known Traveler and always get TSA pre-check. I didn't know you liked to travel :wink: It does make things easier and some credit cards will pay for the Global Entry fee. I don't remember having to remove any camera stuff from it's bag. That being said, my camera bags usually look like a came...
by yatesd
Tue Jan 08, 2019 9:37 pm
Forum: Personal Consumer Issues
Topic: Recommendations for a 9mm handgun
Replies: 171
Views: 14524

Beretta 9mm

I personally own a Beretta 92FS 9mm. I'm surprised more people aren't recommending a Beretta 9mm. A 500+ year old company known for making great quality guns. I bought mine many years ago and chose the Beretta for a few reasons. At the time I liked the ambidextrous design (left handed) and few optio...
by yatesd
Sat Jan 05, 2019 7:29 am
Forum: Personal Consumer Issues
Topic: How old is too old to buy a house?
Replies: 50
Views: 4849

Re: How old is too old to buy a house?

I'm 48 so can't really provide guidance from experience. However, at some point in your life money should work for you and the financial implications shouldn't matter. So if it's been a lifelong dream it doesn't really matter if you enjoy it for 6-months or 5 years and change your mind. Hopefully yo...
by yatesd
Sat Dec 08, 2018 7:19 am
Forum: Personal Consumer Issues
Topic: iPad Pro vs Microsoft Surface
Replies: 15
Views: 1844

Re: iPad Pro vs Microsoft Surface

I'm a huge fan of Lightroom and even though I'm not in the market for a tablet this question had me looking at a few reviews...maybe I was bored. ;-) Anyway, our family has a Macbook Pro and a Microsoft Surface Book II so I'd like to think I'm not too biased toward either ecosystem. From reading a f...
by yatesd
Fri Dec 07, 2018 8:57 pm
Forum: Personal Consumer Issues
Topic: iPad Pro vs Microsoft Surface
Replies: 15
Views: 1844

Re: iPad Pro vs Microsoft Surface

This article looks pretty balanced. https://www.laptopmag.com/articles/apple-ipad-pro-2018-vs-microsoft-surface-pro-6 iPad Pro for performance, small bezel, size Surface Pro for keyboard, office, compatibility Seems like they are both decent options...may come down to which one offers the actual bes...
by yatesd
Sun Dec 02, 2018 8:43 pm
Forum: Personal Consumer Issues
Topic: Transfer iphone photos to Windows 10 PC
Replies: 12
Views: 970

Re: Transfer iphone photos to Windows 10 PC

+1 for simply installing the "One Drive" app and synchronizing with Windows 10. This is easy and automatic, just start the process when connected to decent wifi. - Google has Google Drive/Photos - Apple has iCloud - Windows uses One Drive It will take about 5 minutes to setup and your photos will be...
by yatesd
Wed Oct 24, 2018 9:18 pm
Forum: Personal Consumer Issues
Topic: Coffee grinder
Replies: 56
Views: 4739

Re: Coffee grinder

OK, a few comments: - I agree with buying coffee roasted the same day that it is shipped. I buy 5 pounds at a time in a resealable bag and freeze. I usually can buy decent coffee for about $10 a pound. www.redbird.com www.paradiseroasters.com - I've own the $90 Capresso Grinder and it works well for...
by yatesd
Mon Oct 22, 2018 6:48 pm
Forum: Personal Consumer Issues
Topic: Beer - Strong German Style Lagers
Replies: 56
Views: 5307

Re: Beer - Strong German Style Lagers

We have a Gordon Biersch in Annapolis and pretty pleased with the freshness of the German themed beer.
https://gordonbiersch.com/
by yatesd
Sun Oct 21, 2018 6:07 am
Forum: Personal Consumer Issues
Topic: Pull kids from school for vacations?
Replies: 136
Views: 6919

Re: Pull kids from school for vacations?

We are committed to giving our daughter a great education. Our school considers any absence inexcusable which I think is ridiculous. A few thoughts: - Ideally no more than 1 or 2 weeks missed and with rare exception shouldn't be at the same time - I hate crowds and overpaying for vacation. I agree w...
by yatesd
Fri Oct 19, 2018 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Give 1 Week Notice: Can Employer Retaliate by Not Paying Vacation?
Replies: 53
Views: 5313

Re: Give 1 Week Notice: Can Employer Retaliate by Not Paying Vacation?

Just because most large companies do things certain ways doesn't mean an employer is required or obligated to provide the benefit. - Most states don't require pay during the notice period, but culturally it is pretty standard - Most states don't require payment of accrued vacation, but it is common ...
by yatesd
Mon Oct 15, 2018 6:14 am
Forum: Personal Consumer Issues
Topic: How do you buy a mattress ?
Replies: 31
Views: 2801

Re: How do you buy a mattress ?

I researched this site: https://www.themattressunderground.com/ Gave up on all the variations of memory foam mattresses and decided to go with 100% latex. Ultimately chose this brand and pleased with the decision: https://spindlemattress.com/ That said, I wouldn't buy latex for a trailer since it is...
by yatesd
Sun Oct 14, 2018 6:24 am
Forum: Personal Consumer Issues
Topic: Need new email address. Gmail or ???
Replies: 70
Views: 5890

Re: Need new email address. Gmail or ???

Another vote for outlook.com , it is free and you are much more likely to get a normal sounding email address. I also have a gmail account and use both (well, technically google apps). I use the free outlook.com email for personal business. Also, keep in mind that you can forward either address to t...
by yatesd
Thu Oct 11, 2018 3:50 pm
Forum: Personal Consumer Issues
Topic: Budget Coffee
Replies: 51
Views: 3873

Re: Budget Coffee

I buy 5lbs at a time and keep in the freezer. Usually spend less than $60 and the coffee is roasted the day it ships. Most of these bags are resealable.

https://redbirdcoffee.com/

https://paradiseroasters.com/

https://www.mtnairroasting.com/

https://dragonflycoffeeroasters.com/
by yatesd
Sat Sep 22, 2018 3:10 pm
Forum: Personal Consumer Issues
Topic: HVAC Options -- Any advice?
Replies: 29
Views: 2334

Re: HVAC Options -- Any advice?

I live in a DC suburb and received the following quote from a very reputable / established local company (about half our neighborhood uses them), for a 2,100 square foot (2,700 with basement) well-built / renovated split level from the 1950s. -- One Lennox EL296UH090XE48C Two-Stage Furnace with ECM...
by yatesd
Sun Sep 16, 2018 6:54 am
Forum: Personal Investments
Topic: Employer won't Match 401k. Why?
Replies: 52
Views: 6084

Re: Employer won't Match 401k. Why?

I am responsible for the 401K plan at a 50ish employee company. When I came onboard, we had a 401K with high fees but "no cost" to the employer. A few years ago, we switched to a 401K plan using Vanguard (actually Ascensus, which is also a hassle. Employers with less than $20M in assets can't work w...
by yatesd
Sun Sep 16, 2018 5:38 am
Forum: Personal Consumer Issues
Topic: Benefits/longevity of more expensive ($300+) mens dress shoes?
Replies: 75
Views: 10679

Re: Benefits/longevity of more expensive ($300+) mens dress shoes?

The first few shoes early in my career were cheap shoes, mid-priced Rockports, then I moved up to Florsheim/Bostonian brands. I like Allen Edmonds because I can usually find what I need in the clearance section for $125 - $175. These are US made, recraftable, and comfortable. - When I needed to wear...
by yatesd
Mon Aug 27, 2018 6:21 am
Forum: Personal Consumer Issues
Topic: Best ultra thin pocket knife?
Replies: 54
Views: 6574

Re: Best ultra thin pocket knife?

I also enjoy my benchmade, but for work in a dress environment nothing beats a Leatherman Micra. The scissors are great!
https://www.leatherman.com/micra-20.html
by yatesd
Thu Aug 23, 2018 8:32 pm
Forum: Personal Investments
Topic: Small company 401k (again)
Replies: 5
Views: 409

Re: Small company 401k (again)

That's why I asked where you were located. The one that we use is called, "Strategic Financial Associates" and they have a wealth management side of the business. They will occasionally remind us of this additional offering but have never pressured us to participate (and not aware of any employees t...
by yatesd
Thu Aug 23, 2018 7:58 pm
Forum: Personal Investments
Topic: Small company 401k (again)
Replies: 5
Views: 409

Re: Small company 401k (again)

Where are you located? We are happy with our choice in the DC area.
by yatesd
Thu Aug 23, 2018 7:56 pm
Forum: Personal Investments
Topic: Small company 401k (again)
Replies: 5
Views: 409

Re: Small company 401k (again)

We have a small company of about 55 employees. We use a broker for our health benefits and believe they charge a flat $3,500 fee to manage our Ascensus relationship. Once a year during open enrollment they spend about an hour in front of the employees going over all the benefits (including 401K). St...
by yatesd
Wed Aug 22, 2018 4:11 pm
Forum: Personal Consumer Issues
Topic: Good Non-Boring Boglehead Cars Under $30k
Replies: 247
Views: 18646

Re: Good Non-Boring Boglehead Cars Under $30k

OP, if you worked a little harder in life, you could be shopping for a 3rd Gen (MY 2013 - 2016) Porsche Boxster. My local dealer has a certified 2013 for $38k with ~21k miles on the clock. By far, this car blows every other suggestion away. Do you really want to be another one of those chumps who d...
by yatesd
Wed Aug 22, 2018 4:01 pm
Forum: Personal Consumer Issues
Topic: Good Non-Boring Boglehead Cars Under $30k
Replies: 247
Views: 18646

Re: Good Non-Boring Boglehead Cars Under $30k

I don't know how much you used apple play but it doesn't work that well. First there is no support for Waze and Google Maps. You are stuck with Apple maps which are not that good. Also they way it works (or doesn't) changed a lot over time. The latest version of IOS coming this fall will allow thir...