Search found 250 matches

by jbuzolich
Tue Apr 17, 2018 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Buy a used car or lease one for business use
Replies: 10
Views: 1111

Re: Buy a used car or lease one for business use

Typically with a lease the full amount paid each year can be claimed as a business expense against revenues earned. I think there might be a situation where larger startup costs of a lease if any have to be spread over the life of the lease for claiming but I could be wrong. When buying, the price ...
by jbuzolich
Tue Apr 17, 2018 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 9375

Re: Got hit with a $2800 Medical bill. Can I negotiate?

You can always ask for a discount or to settle. Maybe offer 30% of gross charges as that is likely more than they would get from most other payers. With the situation you described though I would guess that it is highly unlikely. Your insurance is providing you a benefit of paying for part of the bi...
by jbuzolich
Fri Apr 13, 2018 6:55 am
Forum: Personal Finance (Not Investing)
Topic: Buy a used car or lease one for business use
Replies: 10
Views: 1111

Re: Buy a used car or lease one for business use

Typically with a lease the full amount paid each year can be claimed as a business expense against revenues earned. I think there might be a situation where larger startup costs of a lease if any have to be spread over the life of the lease for claiming but I could be wrong. When buying, the price p...
by jbuzolich
Sat Apr 07, 2018 12:05 pm
Forum: Personal Consumer Issues
Topic: Tequila and Magaritas
Replies: 59
Views: 4410

Re: Tequila and Magaritas

I prefer a reposado for margaritas and always 100% agave. I recommend El Jimador as my favorite and easily find it under $20 per bottle. I don't like Cointreau in it or most of the mixes. Just lime juice, sugar, and water. The Costco Kirkland margarita mix is in our house all the time. The one witho...
by jbuzolich
Sat Mar 24, 2018 11:28 pm
Forum: Personal Consumer Issues
Topic: Costco Kirkland Brand Liquor
Replies: 58
Views: 4994

Re: Costco Kirkland Brand Liquor

rg422 wrote:
Fri Mar 23, 2018 2:43 pm
Costco in California actually sells Kirkland brand cognac. To me, It's not as good as Hennessy XO. I don't recall the price, but it was about a 1/3 of the price of Hennessy XO, so it's definitely great value!
Our Costco always has XO levels of cognac as well for people that are so inclined.
by jbuzolich
Fri Feb 16, 2018 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: Amica reocurring double digit increases in homeowners insurance
Replies: 37
Views: 2971

Re: Amica reocurring double digit increases in homeowners insurance

Long time Amica fan and supporter here. I agree with others and recommend you shop around but keep in mind the satisfaction of customers before you make your final decision. There are lots of Amica supporters on here if you want to message some directly. I hate paying, but my experience has been tha...
by jbuzolich
Fri Jan 26, 2018 11:41 pm
Forum: Investing - Help with Personal Investments
Topic: I bought a stock today - Redfin (RDFN)
Replies: 288
Views: 20681

Re: I bought a stock today - Redfin (RDFN)

I love the Redfin app and I loved their business model but I feel like they already abandoned what their core message was about early on. At least the core messaging as it was presented to me. They wanted to be the disruptor and change the industry with technology. I feel like they already abandoned...
by jbuzolich
Mon Jan 15, 2018 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance: Who do you use? (Auto/Home)
Replies: 32
Views: 2022

Re: Insurance: Who do you use? (Auto/Home)

Another +1 for Amica. We have home, auto, and umbrella with them. Rates keep going up but they seem to with everyone. I have personally gone through a total loss car claim with them and I continue to recommend them at any opportunity.
by jbuzolich
Sat Jan 13, 2018 4:58 pm
Forum: Personal Consumer Issues
Topic: wireless dead again - router suggestions?
Replies: 35
Views: 1865

Re: wireless dead again - router suggestions?

These types of devices are designed to be left running untouched for years at a time. Leaving them turned on is what they are supposed to do. My routers tend to die within five years regardless but I don't spend much on them either. We turn ours off every night and always when we go on vacation. We...
by jbuzolich
Sat Jan 13, 2018 10:54 am
Forum: Personal Consumer Issues
Topic: wireless dead again - router suggestions?
Replies: 35
Views: 1865

Re: wireless dead again - router suggestions?

These types of devices are designed to be left running untouched for years at a time. Leaving them turned on is what they are supposed to do. Overheating should not be an issue assuming you have it uncovered with free air flow and not under a piece of furniture or buried in with other items or equip...
by jbuzolich
Wed Jan 10, 2018 1:31 am
Forum: Personal Consumer Issues
Topic: New mattress
Replies: 75
Views: 8379

Re: New mattress

Highly recommend the Chateau Collection from Stress O Pedic. [url]http://www.stressopedic.com/chateaucollection.html /url]. Funny name but we have two of the cashmere model and they have been very comfortable. Claim to have a twenty year warranty. The one I'm lying in right now is 10.5 years old and...
by jbuzolich
Thu Jan 04, 2018 10:32 am
Forum: Personal Consumer Issues
Topic: Airbnb - Guide a beginner
Replies: 28
Views: 2904

Re: Airbnb - Guide a beginner

We are a host on AirBNB for our cabin near Yosemite. I had also started to make a profile on VRBO but never went back to finish since the fees on the owner were higher then. We started hosting summer 2013 and have kept it going. Interesting and mixed experience as a host but it helps pay some of the...
by jbuzolich
Sun Dec 31, 2017 2:07 pm
Forum: Personal Consumer Issues
Topic: Checked bag to HI, worth cost and trouble?
Replies: 36
Views: 2558

Re: Checked bag to HI, worth cost and trouble?

Our Hawaii trips are only to the Big Island since I feel like I grew up there. We would never be able to make it without checked baggage but I will definitely give a huge recommendation for Costco, Walmart, Target, and Ross on the Big Island. Easy access and very good prices where honestly we saw ze...
by jbuzolich
Fri Dec 22, 2017 12:57 am
Forum: Personal Consumer Issues
Topic: Recommend me a good laser printer for a chromebook!
Replies: 26
Views: 2167

Re: Recommend me a good laser printer for a chromebook!

Brother monochrome laser. Very inexpensive and works fine on chromeboxes and Chromebooks once you have it setup for the cloud and shared properly.
by jbuzolich
Tue Dec 19, 2017 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 11 month [No-Penalty CD]
Replies: 382
Views: 33008

Re: Ally Bank 11 month No Penalty 1.75%

Sounds like I need to check my account to cash in earlier no penalty cd and roll a new one. I love doing that but often only learn about the rate change from this wonderful community. :)
by jbuzolich
Sat Nov 11, 2017 10:14 am
Forum: Personal Consumer Issues
Topic: GoDaddy - Any better options for website hosting?
Replies: 69
Views: 7291

Re: GoDaddy - Any better options for website hosting?

pondering wrote:
Sun Nov 05, 2017 8:06 pm
jbuzolich wrote:
Sun Nov 05, 2017 7:53 pm
...The domain itself and email I setup through Google.
How long have you used this email setup?
About four months is all
by jbuzolich
Sat Nov 11, 2017 10:11 am
Forum: Personal Consumer Issues
Topic: Another Smart Phone Thread, Low/Mid priced phones and carriers
Replies: 53
Views: 4173

Re: Another Smart Phone Thread, Low/Mid priced phones and carriers

Very happy with the G5 Plus I got from Costco for $219. I tried to activate directly on Total Wireless and it did not work initially even though I had checked compatibility. Thought I was going to be sunk but I popped in a Sim from a different phone already working on Verizon. Tried one call and it...
by jbuzolich
Thu Nov 09, 2017 9:43 am
Forum: Personal Consumer Issues
Topic: Another Smart Phone Thread, Low/Mid priced phones and carriers
Replies: 53
Views: 4173

Re: Another Smart Phone Thread, Low/Mid priced phones and carriers

Very happy with the G5 Plus I got from Costco for $219. I tried to activate directly on Total Wireless and it did not work initially even though I had checked compatibility. Thought I was going to be sunk but I popped in a Sim from a different phone already working on Verizon. Tried one call and it ...
by jbuzolich
Tue Nov 07, 2017 11:41 pm
Forum: Personal Consumer Issues
Topic: messages to mobile hotspot?
Replies: 8
Views: 630

Re: messages to mobile hotspot?

I reactivated two mifis with Verizon last week after not touching any for well over a year. Reactivation was quick and easy but while going through the menus to get the setup connection information I noticed both had a message area. It looked easy enough to read messages on but not sure if you could...
by jbuzolich
Sun Nov 05, 2017 7:53 pm
Forum: Personal Consumer Issues
Topic: GoDaddy - Any better options for website hosting?
Replies: 69
Views: 7291

Re: GoDaddy - Any better options for website hosting?

I've been toying with the idea of consulting in any spare time I have. A couple tasks I enjoy doing anyway that doing feel like work to me can save small organizations a chunk of money. I looked mostly at the website builders and ended up picking Wix for the builder and just did their hosting. Reall...
by jbuzolich
Sat Nov 04, 2017 10:30 am
Forum: Personal Consumer Issues
Topic: Got an iPhoneX
Replies: 157
Views: 12859

Re: Got an iPhoneX

The Apple website illustrations clearly show that the iPhoneX is smaller than an iPhone8Plus. It's a good idea to review the specifications and decide which version of a product like a iPhone is suitable for your needs and wants. The latest and greatest might not be. Did you hear about, from a few ...
by jbuzolich
Mon Oct 30, 2017 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: An individual who owes me money wants my routing and account numbers for ACH transfer. Safe?
Replies: 76
Views: 7198

Re: An individual who owes me money wants my routing and account numbers for ACH transfer. Safe?

I used Google wallet to request money recently and thought it was really easy. Just put in my friend's email and typed how much to ask for. On his side he entered his debit card and I entered mine on the receiving side. Credit came to my account the following day and only used the card already in my...
by jbuzolich
Sat Oct 28, 2017 4:55 pm
Forum: Personal Consumer Issues
Topic: Need a good cover crop recommendation for home garden
Replies: 20
Views: 1772

Re: Need a good cover crop recommendation for home garden

Been looking for the same thing for our garden beds but can't find a source. I had heard hairy vetch was a good cover but we're open to most things. No stores seem to carry seeds or starters for cover crops.
by jbuzolich
Thu Oct 26, 2017 9:07 pm
Forum: Investing - Help with Personal Investments
Topic: Index investing is boring
Replies: 63
Views: 6232

Re: Index investing is boring

I find a lot of excitement in checking my account every few months and seeing how much has changed without me really doing anything or even watching frequently. I know we're in a strong market and it won't always be this way but I'm shocked how much it has grown each time I look. I get excited.
by jbuzolich
Sun Oct 15, 2017 9:29 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3502
Views: 987605

Re: What Movie Have You Recently Watched?

Blade Runner. Really enjoyed the sequel as I'm a fan of the original. I definitely did not think it was too long. It ended and I could have happy had it keep going another half hour. I definitely recommend watching the three short films from different directors which depict the gap between the two b...
by jbuzolich
Sun Oct 15, 2017 11:17 am
Forum: Personal Consumer Issues
Topic: What do you buy in Asian food stores?
Replies: 86
Views: 6703

Re: What do you buy in Asian food stores?

Most Asian markets near me are actually Southeast asian only. I buy fish sauce, real Sriracha, rice paper wrappers, rice sticks or noodles, and glutinous rice for Thai sticky rice. Now I'm hungry.
by jbuzolich
Thu Oct 05, 2017 1:35 pm
Forum: Personal Consumer Issues
Topic: How do you value your time?
Replies: 97
Views: 4848

Re: How do you value your time?

I'm actually a little to the opposite of many of these posts. I actually value my time off at a minimum of 2x my working wage. The reasoning is that I value my time off very much and if I'm not at work I would prefer to be resting or working on a hobby. If I'm going to do something of effort during ...
by jbuzolich
Thu Sep 28, 2017 8:37 am
Forum: Personal Consumer Issues
Topic: Bathtub/shower rehab - Bath Fitters experience?
Replies: 8
Views: 993

Re: Bathtub/shower rehab - Bath Fitters experience?

We remodeled two bathrooms at our cabin for about $6000 total, maybe just under. That included removing a tub, removing a shower with fabricated surround, change drain locations, all new tile surrounds for the two showers, glass sliding doors on both, tile floors for the showers and the rest of the ...
by jbuzolich
Tue Sep 26, 2017 3:18 pm
Forum: Personal Consumer Issues
Topic: Sonoma in October
Replies: 56
Views: 5433

Re: Sonoma in October

Ocean in California in the North is cold most of the year. Plan on pants and a sweater or jacket if going to the ocean beaches near Sonoma. They are all nice, but I'm biased growing up in Napa. I live about 90 minutes from there now. No recommendations on wineries or olives but it's nice sunny weath...
by jbuzolich
Tue Sep 26, 2017 8:42 am
Forum: Personal Consumer Issues
Topic: BH phone review: Moto G5 Plus
Replies: 35
Views: 3461

Re: BH phone review: Moto G5 Plus

I also bought this phone from Costco in June just before we went on vacation. I've been really happy with it and so far just refuse to spend the $700+ I see friends spending on phones. I'm really glad to still find nice phones around this price point in low $200 range and unlocked as well. Wife and ...
by jbuzolich
Sat Sep 16, 2017 1:52 pm
Forum: Personal Consumer Issues
Topic: Should I upgrade an old but functional vanity?
Replies: 23
Views: 1690

Re: Should I upgrade an old but functional vanity?

I generally agree with the other posts here. If getting ready to sell then just a good cleaning and anything broken gets fixed or replaced. If it's for the benefit of your family then personally I would do it myself. From what I can see in the picture you can do new vanity, sink, faucet, towel ring ...
by jbuzolich
Sat Sep 16, 2017 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on Parents' Financial Situation
Replies: 11
Views: 1679

Re: Advice on Parents' Financial Situation

What kind of business is it? Sometimes business students from a local college or university are willing to help with a business plan as part of their study. (I'm thinking that someone might be able to take a fresh/new look at the business and suggest some changes to make it more profitable.) May no...
by jbuzolich
Thu Sep 14, 2017 11:03 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Expense changes
Replies: 17
Views: 1512

Re: TIAA Expense changes

Perhaps they are just publishing the fee components for the first time to be more transparent but have always been there? I am on the plan oversight committee for the 457b plan with my county. I personally was frustrated seeing the fund fees, revenue sharing component, minimum revenue requirements f...
by jbuzolich
Thu Sep 14, 2017 10:24 pm
Forum: Personal Finance (Not Investing)
Topic: Questions about home purchase in a 55+ community?
Replies: 26
Views: 2701

Re: Questions about home purchase in a 55+ community?

That is one hefty lot premium I personally would not pay. In my experience the lot premiums are only a factor during new construction to the first buyer. We paid a few thousand premium on ours and looking back it was basically a scam. At the time of sale to the next owner it is highly unlikely that ...
by jbuzolich
Mon Sep 11, 2017 9:47 pm
Forum: Personal Consumer Issues
Topic: "Luxury" Vinyl vs Laminate flooring?
Replies: 35
Views: 3920

Re: "Luxury" Vinyl vs Laminate flooring?

I think it's really just personal preference. I've seen all these products in a range of prices for each of the categories. There is real hardwood out there for less money than expensive laminate and vinyl plank, and vice versa. For me I definitely want a certain look or color pattern but more of it...
by jbuzolich
Mon Sep 11, 2017 12:13 am
Forum: Personal Finance (Not Investing)
Topic: AirBnB Hosting - In lieu of traditional rentals
Replies: 13
Views: 2293

Re: AirBnB Hosting - In lieu of traditional rentals

I looked at setting up VRBO about the same time I was setting up AirBNB for our cabin. The fees were much higher then on VRBO so I skipped it. Figured I could always come back and add it later if I wanted. We end up having so many bookings through AirBNB that I haven't gone back. I also appreciate t...
by jbuzolich
Sun Sep 03, 2017 10:38 pm
Forum: Personal Consumer Issues
Topic: Experience selling car to Carmax?
Replies: 103
Views: 117909

Re: Experience selling car to Carmax?

We just sold my wife's Highlander at CarMax. Definitely an easy process but far worse price than even my low expectations. I had thought I could get the blue book trade in price but no such luck.
by jbuzolich
Sun Sep 03, 2017 9:21 pm
Forum: Personal Consumer Issues
Topic: Window Blinds - Bali, Levolor, Hunter Douglas
Replies: 36
Views: 76803

Re: Window Blinds - Bali, Levolor, Hunter Douglas

We've ordered many times using Americanblinds.com and have been happy each time. I self install and it has not been bad. We're about to order new blinds for our bedroom actually. Coupons and sales happen often.
by jbuzolich
Tue Aug 29, 2017 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: When to give resignation notice
Replies: 64
Views: 7373

Re: When to give resignation notice

I would definitely wait until a couple days or even a week after you know for certain you are fully vested. Expect to be walked out the day you give notice, and if you are not then you can choose to finish out your notice work. Find a way to make the start date at the new job accommodate that.
by jbuzolich
Fri Aug 25, 2017 4:23 pm
Forum: Personal Consumer Issues
Topic: Subaru - One tire bad replace all four?
Replies: 31
Views: 2446

Re: Subaru - One tire bad replace all four?

Think it's fully covered but yes replace all four on any full time all wheel drive vehicle. Tire rack can shave to match if you measure carefully. Don't think shaved tires can be returned though, kind of like hemmed suits.
by jbuzolich
Wed Aug 23, 2017 12:18 am
Forum: Personal Consumer Issues
Topic: Lowes vs Home Depot
Replies: 62
Views: 8842

Re: Lowes vs Home Depot

I find Lowe's on average to be my preference. Stores are cleaner, nicely organized, setup for easy browsing and presenting items in an appealing way. Brands are usually slightly nicer. Home Depot's are more industrial, go find your rack number and get it yourself place, with minimal care to cleaning...
by jbuzolich
Mon Aug 21, 2017 5:41 pm
Forum: Personal Consumer Issues
Topic: "Forget Tough Passwords: New Guidelines Make It Simple"
Replies: 43
Views: 6286

Re: "Forget Tough Passwords: New Guidelines Make It Simple"

I've been helping a lot with deploying new smartphones or helping unlock ones staff have locked on accident the last few months. It has confirmed my old concerns about written down passwords. When I've asked staff to login on their Apple account or various other accounts they first look surprised, t...
by jbuzolich
Wed Aug 16, 2017 8:43 am
Forum: Investing - Help with Personal Investments
Topic: 30,000 in Checking Account
Replies: 136
Views: 23335

Re: 30,000 in Checking Account

To OP regarding Ally you'll find many to most on this site just really recommend that bank. I would say go with what you feel most comfortable with yourself if you see decent rates but compare against Ally. For me personally all our cash savings and emergency blanket are at Ally and I've been happy ...
by jbuzolich
Sat Aug 12, 2017 10:16 am
Forum: Investing - Theory, News & General
Topic: Redfin
Replies: 29
Views: 5001

Re: Redfin

I've been a long time user of the Redfin website and watched their business model since early on. I like their goal but feel they've abandoned their mission somewhat already in search of higher profit so I'm disappointed by that. Their commissions are an about a full point higher than when I was fir...
by jbuzolich
Mon Jul 31, 2017 10:52 pm
Forum: Personal Consumer Issues
Topic: Your "at peace" moments.
Replies: 98
Views: 12721

Re: Your "at peace" moments.

I've been thinking about this thread and dwelling a little on how I feel like I've lost these moments. Just got back from two weeks in Hawaii and it was the only time where I wasn't able to feel at peace. Hawaii had always been my guaranteed spot. Definitely time for some life evaluation and rereadi...
by jbuzolich
Wed Jul 26, 2017 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: Should you wait until the due date to pay credit card balance?
Replies: 126
Views: 10241

Re: Should you wait until the due date to pay credit card balance?

I pay off most of it every two weeks so it doesn't build up. Even doing that there's always a couple thousand balance on the statement closing date anyway so it shows activity. I don't really time it but there's something mental about not having to pay $3k-$5k on a card for the balance to avoid inte...
by jbuzolich
Wed Jul 26, 2017 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Do people really buy foreclosures unseen?
Replies: 21
Views: 2835

Re: Do people really buy foreclosures unseen?

During the economic downturn many of the foreclosures in our area were completely trashed. Like others have posted, anything that might be usable somewhere else or sellable was pulled out. Countertops, cabinets, toilets, faucets, light fixtures, doors, copper pipe, copper wiring, all gone. We had ju...
by jbuzolich
Wed Jul 26, 2017 1:09 am
Forum: Personal Consumer Issues
Topic: About to buy a rental car, any advice?
Replies: 54
Views: 4644

Re: About to buy a rental car, any advice?

Our most recent rental on a two week vacation was miserable. Beat to heck, plenty of scratches and dings, brakes fluttered during light pressure, and very inconsistent engine power. If we had needed to do any significant driving I would have asked for something different. This was through Budget. I ...
by jbuzolich
Sun Jul 09, 2017 1:49 am
Forum: Personal Consumer Issues
Topic: Android phone, which one?
Replies: 16
Views: 1707

Re: Android phone, which one?

Another +1 on the Moto G5 Plus. I'm not a fan of the larger size but it's easily usable with one hand. I'm typing on it right now. Only $219 at Costco and completely unlocked like others have said. Someone mentioned it as mediocre but I upgraded from a 3+ year old Moto X so this budget phone is a ma...
by jbuzolich
Thu Jul 06, 2017 1:29 am
Forum: Personal Consumer Issues
Topic: Have you had this issue with Subaru Forester windshield replacement?
Replies: 29
Views: 5799

Re: Have you had this issue with Subaru Forester windshield replacement?

My 2016 Legacy with eye sight had to get the glass replaced and the aftermarket worked fine. I was very specific telling the glass shop I had the system plus heated wipers and so forth. They had to send a tech somewhere else to pick up the glass but it was about $350 installed. I think the glass was...