Search found 141 matches

by Marylander1
Sun Sep 23, 2018 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Physical Banking - Any benefits anymore?
Replies: 139
Views: 8690

Re: Physical Banking - Any benefits anymore?

Physical bank is a last resort. A few times I decided to go to a physical branch and then once I remembered what it was like to wait in line to do banking, I got over my nostalgia and now I only go there maybe twice a year. Our experiences at TD Bank are quite pleasant. In the past few months, I've...
by Marylander1
Tue Sep 18, 2018 9:09 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 25123

Re: What is your single most expensive mistake?

My most expensive mistake was not realizing I should be very careful which dentist did my root canal. My general dentist did an incomplete job that promptly became painlessly infected and nearly fatal in the years before we identified the cause. Health insurance paid most of the $800k but I had to p...
by Marylander1
Sun Sep 16, 2018 12:29 pm
Forum: Personal Consumer Issues
Topic: Subaru Forester - ready to buy
Replies: 43
Views: 4270

Re: Subaru Forester - ready to buy

From the Subaru website: for both engines, they specify the same fuel: unleaded gasoline at 87 octane. The 6-cyl does not require more expensive fuel. Thanks for the correction. I was inadvertently referring to the Forester, for which the Turbo model does recommend high-octane gas. From my owners m...
by Marylander1
Sun Sep 16, 2018 10:53 am
Forum: Personal Consumer Issues
Topic: Subaru Forester - ready to buy
Replies: 43
Views: 4270

Re: Subaru Forester - ready to buy

Stats: 4-cyl horsepower 175, the 6-cyl HP 256. Acceleration: 4-cyl 0-60 in 9.4 secs, the 6-cyl in 6.9 seconds. Not even close. Trade off of course is less fuel efficiency and more expensive purchase price. Since this is Bogleheads, it seems reasonable to consider miles per dollar as operating costs...
by Marylander1
Fri Sep 14, 2018 6:56 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3331
Views: 1002813

Re: What Book Are You Currently Reading? Part VI

This Is Going to Hurt by Adam Kay, with amazing true stories about the NHS.

Marylander1
by Marylander1
Thu Sep 13, 2018 4:14 pm
Forum: Personal Consumer Issues
Topic: Subaru Forester - ready to buy
Replies: 43
Views: 4270

Re: Subaru Forester - ready to buy

Contrary to most here, we prefer the low end models. No fancy cruise, automatic warnings, or nav systems. A lot harder to find those on dealer lots. Before writing my response above, I did a quick check of local inventory. Curiously, I saw a surge of low-end Foresters, especially with manual transm...
by Marylander1
Wed Sep 12, 2018 9:50 pm
Forum: Personal Consumer Issues
Topic: Subaru Forester - ready to buy
Replies: 43
Views: 4270

Re: Subaru Forester - ready to buy

We bought a new 2018 Forester 3 weeks ago to replace our 2004 CR-V. We evaluated the CR-V, RAV-4, Forester, and Audi Q5. In our impression, in the years since 2006 Honda has crippled the CR-V with bad design--it now has poor visibility all around, particularly terrible front visibility for tall driv...
by Marylander1
Sat Sep 08, 2018 8:12 am
Forum: Personal Consumer Issues
Topic: Good photo book printer for image quality
Replies: 24
Views: 1574

Re: Good photo book printer for image quality

Years ago, I used Shutterfly, but wasn't impressed by their quality: their printing resolution but also they paper and binding. I searched for a higher quality printer, and found MPix. Their focus has always been photographers who care most about quality. I've used them ever since. I use Photoshop t...
by Marylander1
Thu Aug 23, 2018 9:12 pm
Forum: Personal Consumer Issues
Topic: Buying a used Subaru
Replies: 16
Views: 1885

Re: Buying a used Subaru

Lots of helpful information, thanks! It seems with the possible exception of Legacy it makes more sense to buy new. We bought our first Subaru last week (2018 Forester) and chose new after reaching the same conclusion. I presumed we'd buy used until I saw that new was less than $4k more. I don't kn...
by Marylander1
Sat Aug 11, 2018 9:20 am
Forum: Personal Consumer Issues
Topic: Would you allow your car stereo to run USB debug mode on your android phone?
Replies: 6
Views: 931

Re: Would you allow your car stereo to run USB debug mode on your android phone?

I run ALL my Android phones in 'debug' mode. Why? Without it they aren't seen as a USB drive. I'd have no hesitation using Debug mode in any car and I've done so for years. (BTW, I stream the audio via BT not USB) Exactly. You used to be able to plug in a USB cable, authorize the access, and have a...
by Marylander1
Sat Aug 04, 2018 5:58 am
Forum: Personal Consumer Issues
Topic: $400 for a KitchenAid microwave door latch repair?!
Replies: 11
Views: 1124

Re: $400 for a KitchenAid microwave door latch repair?!

We paid about 30% more for a microwave designed for commercial kitchens, and it's awesome and reliable. The control panel is well designed, one button can start and stop, and doesn't have those idiot buttons for "potato" or "leftovers" that are always wrong anyway. It's designed to be very easy to c...
by Marylander1
Fri Aug 03, 2018 3:06 pm
Forum: Personal Consumer Issues
Topic: Dental implant in Tijuana
Replies: 37
Views: 3938

Re: Dental implant in Tijuana

That’s where I’d draw the line. My teeth/body aren’t worth saving a few bucks. Agreed! I think a lot of people don't realize what can go wrong with dentistry. I certainly didn't realize two decades ago when I got a root canal from a local general dentist. Nine years later, it nearly killed me, and ...
by Marylander1
Sun Jul 29, 2018 9:40 am
Forum: Personal Consumer Issues
Topic: Home Theater vs. Soundbar
Replies: 67
Views: 5898

Re: Home Theater vs. Soundbar

+1 on the Vizio 5.1 serious bang for your buck. Atmos while cool is a gimmick. It's not out yet, but you can soon get a Vizio Atmos soundbar system: https://www.vizio.com/dolby-atmos Like other 5.1 soundbar systems, it includes rear channel speakers and a subwoofer. The rear surround speakers conne...
by Marylander1
Sat Jul 28, 2018 12:27 pm
Forum: Personal Consumer Issues
Topic: Home Theater vs. Soundbar
Replies: 67
Views: 5898

Re: Home Theater vs. Soundbar

We recently replaced our fancy gigantic receiver & speakers with a compact Vizio 5.1 soundbar system. To our ears, the audio quality is just as good, including the rear channel speakers and subwoofer. But the soundbar is at least ten times easier to use. We specifically chose a Vizio TV because that...
by Marylander1
Thu Jul 26, 2018 6:19 pm
Forum: Personal Consumer Issues
Topic: Toughest Purchase of my Life. Engagement Ring time
Replies: 207
Views: 10055

Re: Toughest Purchase of my Life. Engagement Ring time

Also, Pricescope.com is a great resource for information. Seconded! There's a lot of useful material at pricescope.com, and some basic, important truths. For instance, diamonds are priced by weight but perceived by diameter. For a given cut quality (like "ideal"), a shallow diamond looks bigger tha...
by Marylander1
Sun Jul 15, 2018 10:05 am
Forum: Investing - Help with Personal Investments
Topic: Splitting Monies between multiple investment houses
Replies: 17
Views: 1502

Re: Splitting Monies between multiple investment houses

Personally, in my view you are overthinking this and unnecessarily creating headaches for yourself by maintaining accounts at multiple brokers for the reason you state. After all, you run a greater risk of getting killed every day while driving in your car (maybe you should quit your job and work f...
by Marylander1
Wed Jun 27, 2018 8:37 pm
Forum: Investing - Theory, News & General
Topic: Financial Newspapers & Publications
Replies: 36
Views: 3013

Re: Financial Newspapers & Publications

The Economist. It tends to cover the longer term situation instead of just last week, dig deeper, and almost never run junk news like irrelevant trends or press releases.

Marylander1
by Marylander1
Wed Jun 13, 2018 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: best way to receive large sum of money from another country
Replies: 34
Views: 2601

Re: best way to receive large sum of money from another country

If you're close to a TD Bank, they may be a good option, since TD has branches in the US and Canada. As a small example, TD Customers from either country can use ATMs in the other country at no cost.

https://www.tdbank.com/net/absearch/

Marylander1
by Marylander1
Sat May 19, 2018 12:53 pm
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 209
Views: 13618

Re: how do you tip on wine at a restaurant

I disagree, however, with your assessment of the consequences of choosing to flaunt social norms about tipping. A life led choosing to tip less than is expected could well lead to a succession of resentful wait staff and could lead to social sanction by family members embarrassed by or disdainful o...
by Marylander1
Wed May 16, 2018 6:29 pm
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 209
Views: 13618

Re: how do you tip on wine at a restaurant

What if I order water (free), do I tip zero? I tip additionally when I order anything that requires more work than reflected in the bill. This applies whether it's 10 free drink refills because I was extraordinarily thirsty, cleaning up after an infant threw their food on the floor, or a free desse...
by Marylander1
Tue Apr 17, 2018 3:45 pm
Forum: Personal Consumer Issues
Topic: underwater camera advice
Replies: 18
Views: 1003

Re: underwater camera advice

I have a TG-5 and it's awesome, a big improvement from the TG-4. It uses a standard micro-USB charger cable so it's compatible with almost any charger or external battery pack, plus its internal swappable battery has a reasonably long life. If you're willing to put extra time into higher-quality ima...
by Marylander1
Wed Apr 11, 2018 7:14 pm
Forum: Personal Consumer Issues
Topic: NASA Goddard Summer Intern Housing Search
Replies: 4
Views: 848

Re: NASA Goddard Summer Intern Housing Search

Goddard is in a suburban residential area on several bus routes, including the regional Metrobus, county The Bus, and University of Maryland Shuttle UM. It may be possible to tap into those routes from housing typically rented during the school year by students. There is also a Greenbelters Facebook...
by Marylander1
Sat Apr 07, 2018 5:26 am
Forum: Personal Finance (Not Investing)
Topic: Undecided students and STEM majors
Replies: 51
Views: 4781

Re: Undecided students and STEM majors

Sometimes in life, you do get what you pay for. Sons at a private college both had opportunity to switch. ME and b-school both to CS. I suspect it's more correlated with school size (and the bureaucracy and resource constraints that grow with size) than cost. My undergrad was a small public enginee...
by Marylander1
Sat Mar 31, 2018 2:44 pm
Forum: Personal Consumer Issues
Topic: Tired of gas grills rusting out...
Replies: 54
Views: 5306

Re: Tired of gas grills rusting out...

Thanks to all for the fantastic info. Weber it is! 20-year old grills are good references only if the new grills have the same quality. Weber used to be very good, but their quality seems to have dropped sharply of late, as discussed at https://www.bogleheads.org/forum/viewtopic.php?f=11&t=216111&p...
by Marylander1
Sat Mar 10, 2018 11:04 am
Forum: Personal Consumer Issues
Topic: Is Amazon HD video better than a blu-ray disc?
Replies: 13
Views: 1066

Re: Is Amazon HD video better than a blu-ray disc?

I'm surprised Amazon claims their HD streaming option is similar to Blu-Ray. I disagree from my own personal experience. It's possible though that Amazon has recently changed their compression algorithm, bitrate, or both. I've found Amazon's video quality always lower than Blu-Ray, and lower than N...
by Marylander1
Wed Mar 07, 2018 8:53 pm
Forum: Investing - Help with Personal Investments
Topic: Ok fellow bogleheads, was the correction scary or nothing?
Replies: 147
Views: 12024

Re: Ok fellow bogleheads, was the correction scary or nothing?

It's interesting that the term "correction" now always means a drop to the financial press. When something has been undervalued, isn't it also a correction when it rises?

Marylander1
by Marylander1
Thu Feb 22, 2018 11:05 pm
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 164
Views: 17986

Re: Ordering a Weber grill this week

I had a great Weber grill I bought in 1994 and it lasted 20 years. Then I bought a replacement Weber grill, my last. The old one was tough and mighty. The new one is designed to look tough and mighty, but is weak and fragile. When I opened the box, the side of the lid—seemingly a sheet of cast metal...
by Marylander1
Wed Feb 21, 2018 9:50 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 868
Views: 94423

Re: Netflix, Your Current Favorite Show

Finished A Carbon. Definitely picked / clarifies up a few epidsodes in. Is it a one season only? After Altered Carbon, Richard Morgan wrote another Takeshi Kovacs story called Broken Angels. If the series does well, I wouldn't be surprised if Netflix makes a "second season" from it. https://en.wiki...
by Marylander1
Sat Feb 17, 2018 9:26 am
Forum: Personal Consumer Issues
Topic: Mixing fuel octanes for cars
Replies: 57
Views: 4339

Re: Mixing fuel octanes for cars

Our strategy is to avoid buying any car that is so poorly designed as to require needlessly expensive gasoline.

Marylander1
by Marylander1
Fri Feb 09, 2018 11:34 pm
Forum: Personal Finance (Not Investing)
Topic: year end charitable gift by credit card
Replies: 3
Views: 493

Re: year end charitable gift by credit card

When I make an online donation on December 31, I save a copy of the confirmation page, and usually receive an email immediately, which I also save as documentation.

How did you make your payment?

Marylander1
by Marylander1
Sat Feb 03, 2018 8:23 am
Forum: Personal Consumer Issues
Topic: Anyone experience this bizarre Verizon behavior?
Replies: 8
Views: 1606

Re: Anyone experience this bizarre Verizon behavior?

I switched from Verizon to Google Fi, and got similar treatment. I was on auto-bill and I think they charged me a reasonable amount several weeks later than usual. Since I had been with Verizon for fifteen years, I expected at least a mailing or call to try to retain my business, but absolutely noth...
by Marylander1
Sun Jan 28, 2018 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: What is a good flat rate cash back credit card?
Replies: 80
Views: 11074

Re: What is a good flat rate cash back credit card?

I never redeem Ultimate Rewards points through the Chase travel portal. I transfer the points from Chase to United Airlines where the frequent flyer miles are worth 1.5 cents each for the European trips for which I use them. That’s a 2.25% redemption. We sometimes find quite good value on the Chase...
by Marylander1
Thu Jan 25, 2018 5:24 pm
Forum: Personal Consumer Issues
Topic: Credit Card Compromised... again.
Replies: 16
Views: 1423

Re: Credit Card Compromised... again.

My credit cards are configured to send a text message with every charge. The majority of the time I get a text, I've just swiped my card or clicked "Order" on a website; it happens within seconds. Occasionally I get notified that a recurring charge has gone through, or a charge is applied when an or...
by Marylander1
Tue Jan 16, 2018 8:57 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 868
Views: 94423

Re: Netflix, Your Current Favorite Show

Now playing on Netflix: Dreamland is a hilarious Australian office comedy about a hapless team trying to build major infrastructure projects, painfully accurate for anyone who's worked in public service on any continent. https://www.netflix.com/title/80063251 Norsemen is an exceptionally violent dea...
by Marylander1
Sat Jan 13, 2018 2:42 pm
Forum: Personal Consumer Issues
Topic: Has InformedforLife.org (vehicle safety ratings) gone too far?
Replies: 29
Views: 2446

Re: Has InformedforLife.org (vehicle safety ratings) gone too far?

Alex Frakt wrote:
Fri Jan 12, 2018 10:08 pm
But, IMO, his opinion that weight trumps all else is not supported by the evidence.
Were it true, one of the best investments in a safer life would be to fill your trunk with cinder blocks.

(This is not a recommendation.)

Marylander1
by Marylander1
Thu Jan 11, 2018 7:04 pm
Forum: Personal Consumer Issues
Topic: Someone spoofing my phone number?
Replies: 66
Views: 6725

Re: Someone spoofing my phone number?

likegarden wrote:
Thu Jan 11, 2018 6:45 pm
For weeks now again those probably fake IRS people are calling with their fake Washington phone number.
For what it's worth, the vast majority of IRS people who call taxpayers do not work in the 202 area code.

Marylander1
by Marylander1
Thu Jan 11, 2018 4:58 pm
Forum: Personal Consumer Issues
Topic: Keeping sensitive documents in the cloud -- bad idea?
Replies: 46
Views: 3430

Re: Keeping sensitive documents in the cloud -- bad idea?

Since you're a Dropbox customer, I hope you're aware their security breaches have had some doozies: Dropbox confirms security glitch--no password required https://www.cnet.com/news/dropbox-confirms-security-glitch-no-password-required/ Hacked Dropbox login data of 68 million users is now for sale on...
by Marylander1
Thu Jan 11, 2018 1:30 pm
Forum: Personal Consumer Issues
Topic: Kenmore Washer Dryer
Replies: 29
Views: 1943

Re: Kenmore Washer Dryer

We also bought a front-loader LG set from Costco based on Consumer Reports, and love them. No repairs or problems of any sort so far. It replaced a 25-year-old Maytag, and were surprised how the better cleaning, larger load has made our lives happier. It also uses much less water, so we don't have t...
by Marylander1
Mon Dec 25, 2017 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Credit card fraudulent charge - How could this happen?
Replies: 13
Views: 2067

Re: Credit card fraudulent charge - How could this happen?

OP here: I am not playing detective. I like to understand how things work.. I am naturally curious how something like this can happen, and that's all there is to it I've had almost as blatant experiences, and also wonder. The only options I can imagine are 1) Card numbers leak from their creators a...
by Marylander1
Sun Dec 24, 2017 11:15 am
Forum: Personal Consumer Issues
Topic: Google Project Fi - "Device Protection" problem
Replies: 41
Views: 4090

Re: Google Project Fi - "Device Protection" problem

Google seems to be taking action that helped me a lot, but unfortunately probably not munemaker. I have Fi and a 5X, and Google emailed and posted in my Fi app an offer for a Moto X4 for $174 net. This is with $150 trade-in credit for my 5X. Perhaps they're buying back 5Xs to refurbish, while reduci...
by Marylander1
Wed Dec 13, 2017 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Lowering federal taxes with extra estimated state payment?
Replies: 1
Views: 271

Lowering federal taxes with extra estimated state payment?

Someone else's TV today had CNBC financial porn coverage of the tax bill*. They mentioned an actionable strategy for those of us in states with higher income tax rates: pre-pay 2017 taxes with an additional estimated payment. Money we send in 2017 to our state tax collector remains deductible on our...
by Marylander1
Wed Dec 06, 2017 8:17 pm
Forum: Personal Consumer Issues
Topic: carry on luggage, 4 wheel spinner or 2 wheel rollaboard?
Replies: 29
Views: 2263

Re: carry on luggage, 4 wheel spinner or 2 wheel rollaboard?

If you get a "smart bag" note you'll likely have to remove the battery when you check it, negating most of the "smart": http://news.aa.com/press-releases/press-release-details/2017/Travel-smart-with-smart-bags/ Other airlines will probably follow American Airlines' safety protocol rather than risk b...
by Marylander1
Wed Dec 06, 2017 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Deluxe Online for 2017
Replies: 13
Views: 2648

Re: TurboTax Deluxe Online for 2017

You got screwed by TurboTax. Exactly. Turbotax is the slimiest software company I've seen. I switched to H&R Block when they they dropped key forms to force customers to pay more, and decided that you had to give Intuit a copy of your tax return even to print it--on your own printer! H&R Block is j...
by Marylander1
Sun Dec 03, 2017 11:58 am
Forum: Personal Consumer Issues
Topic: Any websites to help find a great doctor?
Replies: 36
Views: 3278

Re: Any websites to help find a great doctor?

Why not go see one, if you don't like her, go see a different one? The likelihood of you not getting a good one within the first couple of tries is pretty darn low That is "depressing" :( With the kind(s) of things urologists do (and have done to me) - I would not want a "bad experience" with the f...
by Marylander1
Sat Dec 02, 2017 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: How do I convince my employees to invest more?
Replies: 92
Views: 6232

Re: How do I convince my employees to invest more?

Default Enrollment is probably the most effective option. A few will opt out, but those who avoid thinking about retirement for now will find they've already started saving later.

-Marylander1
by Marylander1
Sat Dec 02, 2017 10:31 am
Forum: Investing - Theory, News & General
Topic: bitcoin - is there any real value here or is it a pure Ponzi scam?
Replies: 236
Views: 24550

Re: bitcoin - is there any real value here or is it a pure Ponzi scam?

Because suddenly there will be millions of more millionaires all chasing a limited supply of goods and services. Hyperinflation would impact only Bitcoin, not more stable currencies. As long as the newly created value remains in Bitcoin , that additional "wealth" can appear stable. But whenever any...
by Marylander1
Fri Dec 01, 2017 9:25 pm
Forum: Investing - Theory, News & General
Topic: bitcoin - is there any real value here or is it a pure Ponzi scam?
Replies: 236
Views: 24550

Re: bitcoin - is there any real value here or is it a pure Ponzi scam?

I found this article in this weekend's Economist very helpful to understand the evidence that Bitcoin is a bubble:

The Economist | A lot of zeros http://www.economist.com/news/finance-a ... rsc=dg%7Ce

-Marylander1
by Marylander1
Fri Dec 01, 2017 7:56 pm
Forum: Personal Consumer Issues
Topic: Any websites to help find a great doctor?
Replies: 36
Views: 3278

Re: Any websites to help find a great doctor?

Consumers Checkbook is a subscription service that provides ratings of docs by speciality (among many other occupations they rate). The specialists are rated by other docs. SF is an area that they cover. I concur. I saw a few hours ago that the latest edition includes ratings of medical specialists...
by Marylander1
Wed Nov 29, 2017 7:35 pm
Forum: Investing - Theory, News & General
Topic: Which crash have you seen it before it is coming?
Replies: 134
Views: 11456

Re: Which crash have you seen it before it is coming?

I worked for a dot-com in the late 1990s. Everything was early on the way up and up, and Kozmo.com was eagerly sending out messengers to deliver investor-subsidized stuff within an hour. The day the massage therapist arrived as full-time employee #25 or so, I told my peers "When that person is laid ...
by Marylander1
Tue Nov 28, 2017 11:26 am
Forum: Personal Consumer Issues
Topic: How Do You Stay Current With Music?
Replies: 111
Views: 6603

Re: How Do You Stay Current With Popular Music?

We listen to WTMD 89.7 Baltimore, often online. It's one of the few actual radio stations with human DJs among the vast wasteland of cloned commercial junk stations. Princeton NJ also has a great station.

Marylander1