Search found 349 matches

by Ilovevolleyball
Sun Jul 22, 2012 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Debit Card Pluses not Worth the Risk
Replies: 29
Views: 2998

Re: Debit Card Pluses not Worth the Risk

Andro, though only 100 in account could be more od... fake deposits. Novine, Regulation E. http://www.fdic.gov/regulations/laws/rules/6500-3100.html This is for checking account debit cards: Edit: fraud out of blue, nothing to do with you. No idea,... dispute, I have an account with AOL and canceled...
by Ilovevolleyball
Sun Jul 22, 2012 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Debit Card Pluses not Worth the Risk
Replies: 29
Views: 2998

Re: Debit Card Pluses not Worth the Risk

I think we should focus on the point of the article: people living paycheck to paycheck who get hit by bank fraud. I will use my parents as an example, as they would fit this demographic quite nicely. They have only one bank account. At that bank, they have a checking account, a savings account tha...
by Ilovevolleyball
Sat Jul 21, 2012 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Debit Card Pluses not Worth the Risk
Replies: 29
Views: 2998

Re: Debit Card Pluses not Worth the Risk

Following this logic, One should refuse to drive for there could be an accident. Bank fraud is terrible, but the fear of it happening to me does not stop me from using my debit card. Even though I know it could happen, even though I know how bad it can be; I worked in bank fraud for 5 years. Just li...
by Ilovevolleyball
Thu Jul 19, 2012 11:17 pm
Forum: Personal Consumer Issues
Topic: Is free TV (with rabbit ears) a lot better these days?
Replies: 38
Views: 5999

Re: Is free TV (with rabbit ears) a lot better these days?

My story: Bought house with Dish on roof. Took dish off, went to home depot bought pvc pipe same diameter as prior dish pole thingy. Cut to size, drilled thru it for screws. Used Antennas Direct DB2 Multi Directional HDTV Antenna that bought on Amazon for $30, cable already went to dish, used same c...
by Ilovevolleyball
Wed Jul 11, 2012 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Would you pursue a refinance?
Replies: 22
Views: 2591

Re: Would you pursue a refinance?

Hello,

I skimmed... but that said. When wife and I looked into refi, we decided to go from 28 year to 20 year. Increasing mortgage cost by $100 monthly. I would recommend you think about 25 year or 20 year. Just my 2 cents.

Mike
by Ilovevolleyball
Mon Jul 02, 2012 1:20 pm
Forum: Personal Consumer Issues
Topic: UPDATED: Took a Camping Trip, Needed Gear, What I Got
Replies: 53
Views: 4819

Re: Taking a Family Camping Trip, Need Gear, What is "Necess

Hi, I bring the kitchen sink when I camp. That said, tarps are wonderful. Can use to cover up picnic table, in case of rain. And to possibly provide shade. Also can be used to block view, if need more privacy. I also really love to be able to take showers: Sun shower, is a little plastic bag that he...
by Ilovevolleyball
Wed Jun 20, 2012 9:16 pm
Forum: Personal Consumer Issues
Topic: Propane vs Electric vs Oil vs... for heating home
Replies: 48
Views: 13628

Re: Propane vs Electric vs Oil vs... for heating home

-4F My heatpump works to that temp. Coldest we had was 15F and we have baseboards if breaks or doesn't work.


Mike
by Ilovevolleyball
Wed Jun 20, 2012 6:59 pm
Forum: Personal Consumer Issues
Topic: Foreign film night recommendations.
Replies: 124
Views: 9379

Re: Foreign film night recommendations.

Johnny Steccino -hysterical, like Pink Panther movies to me....
Kung Fu Hustle- hysterical as well.

Mike
by Ilovevolleyball
Wed Jun 20, 2012 6:54 pm
Forum: Personal Consumer Issues
Topic: Propane vs Electric vs Oil vs... for heating home
Replies: 48
Views: 13628

Re: Propane vs Electric vs Oil vs... for heating home

Stats, I really like my ductless heat pump daiken quatternity something or other. Heats and also works as AC. This is something to really consider... When it is hot you can only take off so many clothes.... When it is cold you can at least put on more layers. Our situation. Small home 720 sq feet an...
by Ilovevolleyball
Thu Sep 22, 2011 10:15 pm
Forum: Personal Consumer Issues
Topic: Favorite song line?
Replies: 153
Views: 13084

El amor no se exige, se da. Love does not demand, love it gives. From Gloria Estefan, Volveras. Classy song. Probably am way too focused on Spanish right now.... My wife suggests... I don't believe in an interventionist God; but, Darling I know that you do... Into My Arms, by Nick Cave and the Bad S...
by Ilovevolleyball
Fri Sep 16, 2011 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Refi at Higher Monthly Payment or Contribute 401k
Replies: 11
Views: 1715

Wow!

We are in almost the same exact spot. 201k House 155k Mortgage. 4.875% 30 year got 2 years ago. refi 162k Mortgage 3.75% 20 year. Monthly payment up $130. ($30 of that is higher escrow monthly cost, which I will be looking into -maybe more padding needed.) Anyway, est closing costs $2908. Est prepai...
by Ilovevolleyball
Mon Feb 28, 2011 1:52 pm
Forum: Personal Consumer Issues
Topic: Cabin/Yurt Camping search?
Replies: 12
Views: 1561

Nehalm bay state park, yurt... Oregon I just stayed in one on Valentine's Day.... Quiet and Close enough to city.... very good. But, how my family found cabins in remote areas was to contact real estate firms in resort type areas. Ski resort areas in summer normally have space and rental possiblilit...
by Ilovevolleyball
Thu Feb 24, 2011 7:04 pm
Forum: Personal Consumer Issues
Topic: Would you consider traveling abroad?
Replies: 67
Views: 7266

reread poll

deleted

Mike
by Ilovevolleyball
Wed Feb 23, 2011 3:16 pm
Forum: Personal Consumer Issues
Topic: Netbook, HP Pavillion 11.6 dm1z -Please advise....
Replies: 11
Views: 2354

Thanks for the info...

I wanted to respond to the input so far... linux user: On the battery, can take it out and put another in so I hope that means will not have the issues other person had.... and has two memory slots... rj49: Mobiletechreview youtube video on the dm1z, best review I have seen and that is my 4th one......
by Ilovevolleyball
Tue Feb 22, 2011 7:03 pm
Forum: Personal Consumer Issues
Topic: Netbook, HP Pavillion 11.6 dm1z -Please advise....
Replies: 11
Views: 2354

Netbook, HP Pavillion 11.6 dm1z -Please advise....

Hello there, So, I am thinking about buying my first Netbook. A HP Pavillion 11.6 inch sceen dm1z at Hp's website for $450ish... 3gb memory 320 gb harddrive 11.6 inch screen full size keyboard- they say... A Dual-Core Processor E-350 (1.6GHz, 1MB L2 Cache)+AMD Radeon(TM) HD 6310M Discrete-Class Grap...
by Ilovevolleyball
Wed Jan 05, 2011 2:05 pm
Forum: Personal Consumer Issues
Topic: Amsterdam
Replies: 16
Views: 2272

Travel blog

Hello,

I would recommend checking out Lonely Planet's travel blog area. Thorn tree.
Below is a link.

http://www.lonelyplanet.com/thorntree/f ... wordid=137

Mike

Edit: Might be a younger crowd but a place might could find help.
by Ilovevolleyball
Fri Dec 03, 2010 10:05 am
Forum: Personal Consumer Issues
Topic: driving down the pacific coast highway
Replies: 31
Views: 4403

Los Lobos Point Reserve

I grew up in San Luis Obispo and have biked through the Monterey area and back to SLO many times.... This is going to be a huge day for you. There are multiple 20MPH curves on HWY 1 and sheer cliffs. Even though off season, tourist drivers so will not be quick. You will be very tired at end of day. ...
by Ilovevolleyball
Thu Oct 07, 2010 10:38 pm
Forum: Personal Consumer Issues
Topic: Great Tax Credits, Should I get Solar Panels?
Replies: 50
Views: 10743

I wanted to update after 1 year. In past I wrote: Just finished working on taxes and now that have some specifics. Past Oregon Cost of Solar photovoltaic 2 KHW System 12980 Total Cost of Contractor 3000 Energy Trust credit to contractor 9980 Our Cost for System 2994 Fed 30% 6000 Oregon tax credit sp...
by Ilovevolleyball
Fri Aug 06, 2010 9:07 pm
Forum: Personal Consumer Issues
Topic: Routing suggestions for a bike tour in New England
Replies: 8
Views: 1384

I bike toured in this area: but I can not remember....... 1994 1) Ride to Vermont Route 100, down to the Green Mountains, turn east, ride to New Hampshire's White Mountains and then, depending on time, either down to Boston. I think we did this route but not sure.... Ended up near Boston at A Youth ...
by Ilovevolleyball
Sun Aug 01, 2010 11:05 pm
Forum: Personal Consumer Issues
Topic: Kilowatts in the Summer [Electricity Usage]
Replies: 95
Views: 11734

Probably one of the lower bills here....

Oregon 6/17-7/19 750 sq ft house me and my wife Total KWH usage 365 2KWH Solar gave 315 Net usage KWH 50 Bill $12.79 Good weather so did not use fans, ac.... cooked a lot on propane grill... Hung clothes to dry, unplugged etc.... Total Yearly elect bill expect 430$ (Solar gives 170$ aprx so without ...
by Ilovevolleyball
Wed Jun 23, 2010 2:47 pm
Forum: Personal Consumer Issues
Topic: opinions on sewer line back-up
Replies: 13
Views: 5637

Hello, When we bought our house our real estate agent insisted on a sewer scope. 1950's house and sewer pipes at end of useful life.... The sewer pipe I think was not functioning like it should because the ground was lower where the pipe was.... soil was being taken out to the sewer as well as most ...
by Ilovevolleyball
Wed Jun 23, 2010 12:05 am
Forum: Personal Consumer Issues
Topic: Cooking with electricity - and a wok $$
Replies: 20
Views: 2594

My thoughts are: Easiest way to see difference of cost is to check out 40 gallon electric water heater vs electric gas water heater. Then see what price per therm is that you pay for vs what is KWH charge actually pay then recalculate. But also need to factor in delivery charge. For me, just to have...
by Ilovevolleyball
Thu Jun 03, 2010 1:55 pm
Forum: Personal Consumer Issues
Topic: Honeymoon in Britain and Ireland - what MUST we see?
Replies: 21
Views: 3308

The British Museum.

I have been to the Prado, the Louvre, the Smithsonian.... and nothing blew my mind like the British Museum....

The sun never sets on the British Empire.... they were everywhere and they have everything.... Montezuma's headdress... King Tut... at the same place.

Mike
by Ilovevolleyball
Thu Jun 03, 2010 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: How much would you pay for curbside trash pickup?
Replies: 55
Views: 8651

3 types of waste: 1 Recyclables, cardboard, metal, glass... 2 Garden Waste, trees, leaves.... 3 Trash You could make money off of the recyclables... aluminum, glass etc... Could also make money off of the garden waste if you made compost... Depends on how ecologically minded folks are, but you could...
by Ilovevolleyball
Tue Jun 01, 2010 12:32 am
Forum: Personal Consumer Issues
Topic: Who will win the NBA Championship?
Replies: 205
Views: 21911

Here's my analysis: The Lakers have a slight advantage when you look at it position by position: Kobe vs. Ray Allen: Is there any doubt? When his career is over, Kobe will be one of the greatest players ever. Ray can get hot, but when his 3s are not falling, he is easy to stop. Garnett v. Gasol: Ga...
by Ilovevolleyball
Fri May 28, 2010 9:25 am
Forum: Personal Consumer Issues
Topic: Insulated Siding
Replies: 9
Views: 2023

Hello, I suspect R values are not all the are cracked up to be. When you put insulation in wall cavities for example, fills the cavity but the 2x4 R value is less than whatever insulation was just put in, so Have R2 and R8, if R8 is value of insulation put in.... Hence, I think that the a level of c...
by Ilovevolleyball
Thu May 27, 2010 5:11 pm
Forum: Personal Consumer Issues
Topic: Los Angeles vacation help
Replies: 71
Views: 5895

Do you remember Baywatch, I would recommend Venice to see the CA beach scene. People watch and to see the canals. Nice to hang out on the beach and not do much. Too much time in cars and not enough time relaxing. If I was in LA I would eat Mexican.... Mike Venice is not a good place right now to sp...
by Ilovevolleyball
Thu May 27, 2010 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Building Co-op
Replies: 12
Views: 1436

Good luck with this,

Could be really nice. Most of us lead such solitary lives....

Mike

edit: If you have not seen the Lord of the Rings spoof that SouthPark did you should. Hysterical.
by Ilovevolleyball
Thu May 27, 2010 11:59 am
Forum: Investing - Help with Personal Investments
Topic: New to forum Help!
Replies: 10
Views: 1580

Hello, Might want to look into The Trinity Study and Safe Withdrawal Rates, aka SWR. Example 1,000,000 at 4% is 40k yearly considered aggressive withdrawal rate. 1,000,000 at 2.8% is 28k yearly considered (safe) withdrawal rate. {Per Gamma} How much to take out and how to invest it are very difficul...
by Ilovevolleyball
Thu May 27, 2010 12:05 am
Forum: Personal Consumer Issues
Topic: Los Angeles vacation help
Replies: 71
Views: 5895

Do you remember Baywatch,

I would recommend Venice to see the CA beach scene.
People watch and to see the canals.
Nice to hang out on the beach and not do much.

Too much time in cars and not enough time relaxing.

If I was in LA I would eat Mexican....

Mike
by Ilovevolleyball
Wed May 26, 2010 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: New Central AC or recharge current with more freon
Replies: 34
Views: 10652

I'm seriously considering getting a cheap $100 Window AC unit for the master bedroom, while I wait for this bill to potentially pass the Senate. These last few days have been brutal in the late afternoon/early evening. The basement is the only comfortable place on hot days. I don't know the US Sena...
by Ilovevolleyball
Fri May 21, 2010 11:10 am
Forum: Personal Finance (Not Investing)
Topic: House Savings + Raiding Retirement Funds for a house
Replies: 15
Views: 2313

On Roth IRA, Can take out principal for any reason, what you invested originally. If invested 10k and value 11k only take 10. If invested 10k and value 9k only take 9. But, can also take out gains for first time home purchase, believe means if not have purchased home in last 5 years, if have had Rot...
by Ilovevolleyball
Thu May 20, 2010 11:17 am
Forum: Personal Consumer Issues
Topic: Most interesting thing to see in the world?
Replies: 113
Views: 14864

Abroad, I would recommend Guatemala. Tikal. Lake Atitlan, Casa Del Mundo Hotel. Antigua: Spanish Colonial Capital of Central America, ruins galore, cobblestone, nice weather, fantastic food interesting and inexpensive. http://exxxplorer.files.wordpress.com/2009/07/antigua_guatemala-98153615_std.jpg ...
by Ilovevolleyball
Thu May 20, 2010 11:00 am
Forum: Personal Consumer Issues
Topic: Most interesting thing to see in the world?
Replies: 113
Views: 14864

I have traveled abroad extensively and for me the greatest memories are the people that I have met and learning about and living in the culture. I just don't get the same feeling or long term satisfaction out of seeing a particular sight. Re: Grand Canyon I have never seen the Grand Canyon in perso...
by Ilovevolleyball
Tue May 18, 2010 8:18 pm
Forum: Personal Consumer Issues
Topic: Anyone have experience living on a boat?
Replies: 27
Views: 4022

I looked into it. I ended up thinking that it is a lot like living in a trailer park. You own the trailer and not the land underneath it, usually and the rent increases and increases...... There are some places where you can actually own the land underneath it, so to speak. A slip it's called.... My...
by Ilovevolleyball
Mon May 17, 2010 11:03 am
Forum: Personal Finance (Not Investing)
Topic: is there a reason to switch a Bank of America CA acct to TX?
Replies: 26
Views: 3823

Thanks for all the replies. My plan will be to call Bank of America and see what the say. If it is easy to switch the account to be based in TX (i.e., keep the same account numbers but have it based in TX instead of CA), I will go for that. If not, then I'm going to shop around for a new bank and a...
by Ilovevolleyball
Sat May 15, 2010 9:53 pm
Forum: Personal Consumer Issues
Topic: Anyone been to Tanzania?
Replies: 6
Views: 1481

I was there in '69.... My folks took my on safari, before I was 3 months old.... We lived in Kenya. For advise, I would recommend travel books... nice to compare and contrast what different ones have to say.... I found this site to be helpful, not just travelers on there: http://www.lonelyplanet.com...
by Ilovevolleyball
Sat May 15, 2010 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: is there a reason to switch a Bank of America CA acct to TX?
Replies: 26
Views: 3823

While I have not moved across state lines for over 30 years, I have moved within CA. I have had several BofA accounts. When I get new checks with my new address, the checks still have the original branch on them (right above the "For" line). My statements ask that any written enquiries go to my ori...
by Ilovevolleyball
Sat May 15, 2010 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: is there a reason to switch a Bank of America CA acct to TX?
Replies: 26
Views: 3823

There are some things that matter, but pretty rare that they come up. I worked for another large bank for more than 7 years and..... the way that bank did it is probably, mabye same as BofA: Deposit cutoffs times for checks, cash, with teller or at ATM would be time zone of where opened up account, ...
by Ilovevolleyball
Wed May 12, 2010 12:28 pm
Forum: Personal Consumer Issues
Topic: We are going to Albuquerque in a couple of weeks
Replies: 29
Views: 3690

Since driving from LA, I really recommend checking out Sedona, AZ. Just below Flagstaff on the map. Red Rocks, blue sky, beautiful. Below is link to photo of the devil's bridge, near Sedona. http://upload.wikimedia.org/wikipedia/commons/8/8a/Devil%27s_bridge_Sedona_Arizona.jpg (Edit): Easy Hike to t...
by Ilovevolleyball
Tue May 11, 2010 10:12 pm
Forum: Personal Consumer Issues
Topic: Wedding Advice
Replies: 100
Views: 12637

Thank You All, Alcohol is a deal breaker for many folks on this forum. And, I'm sure that some that will be at our wedding feel similar. I had not thought it through, and so I am glad that it has been debated here for us. My fiance and I will talk about this in greater depth, due to you. Thank You. ...
by Ilovevolleyball
Tue May 11, 2010 9:24 am
Forum: Personal Consumer Issues
Topic: Wedding Advice
Replies: 100
Views: 12637

Thank You All, For your recollections and advice.... I think that we are going to hire professional photographer because of you all.... and I will mull over the alcohol issue some more... We are planning on sticking around and hanging out with family the day after wedding. Video station idea sounds ...
by Ilovevolleyball
Tue May 11, 2010 9:09 am
Forum: Personal Consumer Issues
Topic: We are going to Albuquerque in a couple of weeks
Replies: 29
Views: 3690

Not sure if interested, but..... http://www.homeexchange.com/show.php?id=97195 A home exchange..... you could stay in their straw bale home and they stay in your home some other time..... Or for more conventional: http://www.blackrangelodge.com/lodge2.html http://www.blackrangelodge.com/lodge_floorp...
by Ilovevolleyball
Sat May 08, 2010 11:34 am
Forum: Personal Consumer Issues
Topic: Wedding Advice
Replies: 100
Views: 12637

Thank You All, For the advice and the kind words, and your recollections. I will have her look at this tonight. Our current plan is to have no Alcohol at the wedding. Lots of alcoholism on my side of the family.... Our wedding cupcakes will be similar to this: http://www.snafflesweets.com/Photos/cup...
by Ilovevolleyball
Fri May 07, 2010 5:22 pm
Forum: Personal Consumer Issues
Topic: Wedding Advice
Replies: 100
Views: 12637

Wedding Advice

Hello Everybody,

My Fiance and I are planning on getting married next month.... and I thought to ask you all for your advice.

What do you remember best about the ceremony? What would you do differently if you could do it again?

Thank You in advance,

Mike
by Ilovevolleyball
Fri Apr 30, 2010 6:49 pm
Forum: Personal Consumer Issues
Topic: Refrigerators, recommendations?
Replies: 38
Views: 5401

Drip guy, Some ideas on new fridge now... Better to use less electricity, so much is from coal and nuclear..... Better to not have it break, say when you are on vacation.... The energystar figures I don't believe are worth a darn. Your fridge is probably not working as it did in the test enviornment...
by Ilovevolleyball
Fri Apr 30, 2010 11:04 am
Forum: Personal Consumer Issues
Topic: If you could "buy" skill in a foreign language...
Replies: 57
Views: 6954

No pill for me.....

My Story: I was born abroad to American Parents and first came to the US when I was 7 1/2 years old. We lived in Nicaragua and El Salvador. Well, we spoke Spanish and English in the home, but I was more comfortable in Spanish. (My brothers would talk to my parents in English and turn to me and talk ...
by Ilovevolleyball
Thu Apr 29, 2010 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Who do you use for Emergency Road Service?
Replies: 22
Views: 3981

We use better world club.

The Car Talk guys on NPR had some info on them and I liked what I found.

http://www.betterworldclub.com/

Mike
by Ilovevolleyball
Thu Apr 29, 2010 1:21 pm
Forum: Forum Issues and Administration
Topic: Donations and affiliate (Amazon) referral fees this year
Replies: 7
Views: 3450

Easy to use Amazon feature

Just made a purchase thru Amazon link and was really easy.

Mike