Search found 116 matches

by sad2
Tue Nov 24, 2020 12:58 pm
Forum: Personal Consumer Issues
Topic: Contact Lenses / Glasses
Replies: 40
Views: 2009

Re: Contact Lenses / Glasses

sport wrote: Tue Nov 24, 2020 12:54 pm Costco for glasses. We used to have optical insurance, but Costco was less expensive, even without the insurance.
+1
by sad2
Mon Nov 23, 2020 8:45 am
Forum: Personal Consumer Issues
Topic: WSJ Subscription at $4/month
Replies: 29
Views: 2942

Re: WSJ Subscription at $4/month

Thank you all for the suggestions. I went ahead and purchased the subscription with my normal credit card. 12 months at $4/month I'm going to give the company a chance to do right at the time I call to cancel. If I have any issues with cancelling this time next year, I will keep that in mind for fut...
by sad2
Mon Nov 23, 2020 8:42 am
Forum: Personal Consumer Issues
Topic: WSJ Subscription at $4/month
Replies: 29
Views: 2942

Re: WSJ Subscription at $4/month

https://store.wsj.com/shop/us/us/wsjuelnsb20/?state=packs&inttrackingCode=aaqwtcrc&icid=WSJ_ON_ALL_ACQ_NA&n2IKsaD9=n2IKsaD9&Pg9aWOPT=Pg9aWOPT&Cp5dKJWb=Cp5dKJWb&APCc9OU1=APCc9OU1 Rarely do I see a monthly subscription rate from the WSJ (directly from WSJ.com) at this price po...
by sad2
Sat Nov 21, 2020 4:17 pm
Forum: Personal Consumer Issues
Topic: WSJ Subscription at $4/month
Replies: 29
Views: 2942

Re: WSJ Subscription at $4/month

You can use a disposable card with a limited amount of money. the subscription will stop when the charges fail. I like that idea. Do you know how to obtain a disposable card? Researching online options to purchase a one-time $48 Visa Gift card entails a $2.95 activation fee. Is there any way to pur...
by sad2
Sat Nov 21, 2020 3:54 pm
Forum: Personal Consumer Issues
Topic: WSJ Subscription at $4/month
Replies: 29
Views: 2942

WSJ Subscription at $4/month

https://store.wsj.com/shop/us/us/wsjuelnsb20/?state=packs&inttrackingCode=aaqwtcrc&icid=WSJ_ON_ALL_ACQ_NA&n2IKsaD9=n2IKsaD9&Pg9aWOPT=Pg9aWOPT&Cp5dKJWb=Cp5dKJWb&APCc9OU1=APCc9OU1 Rarely do I see a monthly subscription rate from the WSJ (directly from WSJ.com) at this price poi...
by sad2
Thu Oct 22, 2020 5:49 pm
Forum: Personal Consumer Issues
Topic: Motion Sensor for Pantry Closet
Replies: 20
Views: 1913

Re: Motion Sensor for Pantry Closet

Thanks for this information. Wonderful start to researching options.
by sad2
Thu Oct 22, 2020 8:33 am
Forum: Personal Consumer Issues
Topic: Motion Sensor for Pantry Closet
Replies: 20
Views: 1913

Motion Sensor for Pantry Closet

Hello My parents are looking for a motion sensor that allows the overhead light to turn on when they enter their pantry. It is a separate room with a door for entry and exit. (single door) not two separate doors. Neither they nor I know much about this topic. Nor are we handy. 1. Can a motion sensor...
by sad2
Sun Sep 20, 2020 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: Challenging a physician's bill
Replies: 82
Views: 5598

Re: Challenging a physician's bill

I see a potential HIPAA violation here. Hopefully they took actions to correct the improper sharing of PII and PHI. I was thinking the same thing. Surprised it took so long to be commented on in this thread. Yeah. OP: This could be your leverage if you get no traction in negotiating a rate reductio...
by sad2
Sun Sep 20, 2020 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Challenging a physician's bill
Replies: 82
Views: 5598

Re: Challenging a physician's bill

I see a potential HIPAA violation here.

Hopefully they took actions to correct the improper sharing of PII and PHI.
by sad2
Thu Sep 17, 2020 6:48 pm
Forum: Personal Consumer Issues
Topic: Is this guy trying to scam me on a car I'm selling?
Replies: 172
Views: 14205

Re: Is this guy trying to scam me on a car I'm selling?

Not sure if either is a scammer, but with the above update, and if it was me, I would cease all communications with #1. My money would be on a scammer. Who volunteers all the gory details of finance acquisition? You either have the funds or you do not. Details are unnecessary.
by sad2
Thu Jul 30, 2020 8:05 pm
Forum: Personal Investments
Topic: Is 25 too young for paid off house?!
Replies: 72
Views: 5345

Re: Is 25 too young for paid off house?!

Is that a typo?

Are you missing a digit in the price of your house? $65k?

If not, I need to try some geographic arbitrage and move to Iowa.

I've heard of $10,000 houses in Detroit and other areas, but not in Iowa, which I heard is a nice place to live.

Time to move!
by sad2
Fri Jun 19, 2020 2:55 pm
Forum: Investing - Theory, News & General
Topic: A cautionary tale about pensions and wages
Replies: 76
Views: 10671

Re: A cautionary tale about pensions and wages

KlangFool wrote: Fri Jun 19, 2020 8:15 am Folks,

We have a healthcare bubble and a college bubble. The bubbles have to burst sometime.

KlangFool
+1000
by sad2
Mon Jun 15, 2020 7:20 pm
Forum: Personal Consumer Issues
Topic: Replace my 4 Runner? Update on Repair Post 47
Replies: 65
Views: 4674

Re: I May Need to Replace my 2005 4 Runner :(

Go for the Land Cruiser. Last car you will ever buy!
I've heard they are discontinuing sales in the US in 2021 or 2022.

Pricey yes. But solid, reliable, and bullet-proof and will get you to your cabin!
by sad2
Fri Jun 05, 2020 8:53 pm
Forum: Personal Consumer Issues
Topic: 2020 Prius and Car Buying Process
Replies: 15
Views: 1128

Re: 2020 Prius and Car Buying Process

I would not provide the actual quote on the grounds it's none of their business. I don't want them to know the competition prices. I would make them honor take that Xtra $300. You know it's out there and available. I'd also use that $300. To go back to other dealers. Are you negotiating an "ou...
by sad2
Fri Jun 05, 2020 8:51 pm
Forum: Personal Consumer Issues
Topic: 2020 Prius and Car Buying Process
Replies: 15
Views: 1128

Re: 2020 Prius and Car Buying Process

Katietsu wrote: Fri Jun 05, 2020 8:20 pm Have you checked out Priuschat.com? There will be a what did you pay thread where people list actual prices and locations. Remember that region is very important. Deals in California mean little in the DC metro area.
I have not.
On it now.

Great site.
by sad2
Fri Jun 05, 2020 8:00 pm
Forum: Personal Consumer Issues
Topic: 2020 Prius and Car Buying Process
Replies: 15
Views: 1128

Re: 2020 Prius and Car Buying Process

Now is a great time to buy a Prius. They’re not selling. You are right about that. Sales have cratered. Might be a stretch to reach 30,000 this year. RAV4s and Highlanders have taken sales from Corolla, Camry, and Prius. Year sold 2005 107,155 2006 106,971 2007 181,221 2008 158,884 2009 150,831 201...
by sad2
Fri Jun 05, 2020 7:54 pm
Forum: Personal Consumer Issues
Topic: 2020 Prius and Car Buying Process
Replies: 15
Views: 1128

Re: 2020 Prius and Car Buying Process

02nz wrote: Fri Jun 05, 2020 7:49 pm This varies some by region, but Truecar shows an average of $2K off, plus manufacturer cash rebate of $1K. So $3K off should be the starting point, at least where I am.
Thanks, NZ. Maybe I should set my sights higher!
by sad2
Fri Jun 05, 2020 7:53 pm
Forum: Personal Consumer Issues
Topic: 2020 Prius and Car Buying Process
Replies: 15
Views: 1128

Re: 2020 Prius and Car Buying Process

Yes, I am getting quotes from dealers, with all taxes and fees. I have provided my physical address so they can calculate state taxes. So my question is, what harm is there in sharing Dealer X's quote with Dealer Y? the actual quote, not just the number. Dealer X won't provide a reduction of $300 un...
by sad2
Fri Jun 05, 2020 7:33 pm
Forum: Personal Consumer Issues
Topic: 2020 Prius and Car Buying Process
Replies: 15
Views: 1128

2020 Prius and Car Buying Process

Hi I recently posted about my narrowing my car choice in this thread. https://www.bogleheads.org/forum/viewtopic.php?t=316262 Well, I narrowed it to a 2020 Toyota Prius and have been using the following thread to solicit quotes from dealers the past three days. https://www.bogleheads.org/forum/viewt...
by sad2
Sat May 30, 2020 8:51 pm
Forum: Personal Consumer Issues
Topic: Fold Flat Seats in a 2019/2020 car
Replies: 41
Views: 2783

Re: Fold Flat Seats in a 2019/2020 car

A quick update. I test drove a number of cars today and have taken the following off the list. 1. Honda Fit - Much too small to lay out in the back with the rear seats folded down. 2. Toyota Land Cruiser - The rear seats and the third row of seats took up considerable space even when folded down/awa...
by sad2
Fri May 29, 2020 10:55 pm
Forum: Personal Consumer Issues
Topic: Fold Flat Seats in a 2019/2020 car
Replies: 41
Views: 2783

Fold Flat Seats in a 2019/2020 car

Hi: 1. Honda Fit - $16,990 2. Toyota Yaris - $17,750 3. Toyota Prius - $24,325 4. Subaru Forester - $24,495 5. Subaru Outback - $26,645 6. Toyota 4Runner - $36,120 7. Audi A4 Allroad - $44,600 8. Volvo V60 Cross Country $45,100 9. Volvo V90 Cross Country $54,550 10. Audi A6 Allroad - $65,900 11. Mer...
by sad2
Sat May 09, 2020 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: $2 million dollar house pre requisites
Replies: 109
Views: 10341

Re: $2 million dollar house pre requisites

10% of your net worth.
So $20 million in assets.
by sad2
Thu Feb 20, 2020 10:31 am
Forum: Personal Consumer Issues
Topic: Progressive Auto Insurance
Replies: 19
Views: 1709

Re: Progressive Auto Insurance

I was with GEICO for five (5) years. I left them for Progressive a few years ago. I am still with Progressive. The reason I left GEICO was because I was seeing 10-15% semi-annual increases. No accidents, high credit score, same car. But I agree the need to shop around every six to seven semi-annual...
by sad2
Wed Feb 19, 2020 10:21 pm
Forum: Personal Consumer Issues
Topic: Progressive Auto Insurance
Replies: 19
Views: 1709

Re: Progressive Auto Insurance

I was with GEICO for five (5) years. I left them for Progressive a few years ago. I am still with Progressive. The reason I left GEICO was because I was seeing 10-15% semi-annual increases. No accidents, high credit score, same car. But I agree the need to shop around every six to seven semi-annual ...
by sad2
Mon Feb 10, 2020 6:42 pm
Forum: Personal Consumer Issues
Topic: Digital Job Interview?
Replies: 18
Views: 1350

Re: Digital Job Interview?

Yes, I received something similar for a 30 minute initial screen/digital interview.
Record a thirty minute session within 3 business days on one's laptop.

For a health system in the PNW.

I declined to pursue the opportunity.
by sad2
Tue Feb 04, 2020 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Prepay rent for discount --> disadvantages?
Replies: 29
Views: 2073

Re: Prepay rent for discount --> disadvantages?

OP: Up thread, I calculated your yield for prepaying 3 month, 6 month and 12 month. The best deal for you is to prepay for 3 months, and continue prepaying every 3 months, assuming the landlord will let you do that. Everything is negotiable. The most you would have at risk is 2 months rent. You wou...
by sad2
Mon Feb 03, 2020 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: Prepay rent for discount --> disadvantages?
Replies: 29
Views: 2073

Re: Prepay rent for discount --> disadvantages?

OP: Up thread, I calculated your yield for prepaying 3 month, 6 month and 12 month. The best deal for you is to prepay for 3 months, and continue prepaying every 3 months, assuming the landlord will let you do that. Everything is negotiable. The most you would have at risk is 2 months rent. You wou...
by sad2
Sat Jan 25, 2020 2:16 pm
Forum: Personal Consumer Issues
Topic: Global Entry [wait time for interview]
Replies: 70
Views: 5013

Re: Global Entry

My wife and I do have Global Entry, but the last couple of times we've returned to the US we used Mobile Passport. It was very easy and seemed to work about as well as Global Entry. Fact is, we will need to renew our Global Entry in 2021, but I'm thinking we may just go for the Precheck and use Mob...
by sad2
Thu Jan 23, 2020 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: A thumb-rule for buying a house.
Replies: 20
Views: 2051

Re: A thumb-rule for buying a house.

A very conservative rule is to buy a house worth no more than 10% of your net worth.
by sad2
Thu Jan 23, 2020 9:20 am
Forum: Personal Investments
Topic: Admiral v. Institutional Shares
Replies: 4
Views: 768

Re: Admiral v. Institutional Shares

:oops:

Thanks for the information.

I may have that minimum investment amount in 2281.

A few years from now. :happy
by sad2
Wed Jan 22, 2020 11:28 pm
Forum: Personal Investments
Topic: Admiral v. Institutional Shares
Replies: 4
Views: 768

Admiral v. Institutional Shares

1.Once one has over $100k in Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX), does it make sense to transfer into Vanguard Total Stock Market Index Fund Institutional Plus Shares (VSMPX)? 2. Are the two funds identical except for the minimum investment, which jumps from $3k to $100k? 3...
by sad2
Thu Jan 16, 2020 8:30 pm
Forum: Personal Consumer Issues
Topic: cheap-o rental car chains
Replies: 46
Views: 3205

Re: cheap-o rental car chains

I would recommend not renting from Advantage. The car I picked up from the airport had a number of dings, dents, and scratches. It took thirty minutes to document the damages when I picked it up. I asked for another car to prevent hassles and charges when I returned it. They said the other cars were...
by sad2
Wed Jan 01, 2020 9:29 pm
Forum: Personal Consumer Issues
Topic: What was your travel in 2019?
Replies: 19
Views: 1425

Re: What was your travel in 2019?

May 2019 Great Glen Way (Fort William to Inverness) July 2019: 5 days in Vancouver, Whistler. Hiked Grouse Grind twice! August 2019: Haute Route trek from Chamonix to Zermatt September 2019: Conundrum Hot Springs in Aspen October 2019: World Series Game 2 in Houston November 2019: Climbed State High...
by sad2
Wed Jan 01, 2020 9:25 pm
Forum: Personal Consumer Issues
Topic: What was your travel in 2019?
Replies: 19
Views: 1425

Re: What was your travel in 2019?

shmidds wrote: Wed Jan 01, 2020 9:22 pm Walked coast to coast across Scotland.
Which trail?

I've done the West Highland Way and Great Glen Way. Beautiful part of the world.
by sad2
Tue Dec 17, 2019 9:03 pm
Forum: Personal Consumer Issues
Topic: Tour du Mont Blanc - Hiking Trek
Replies: 6
Views: 533

Re: Tour du Mont Blanc - Hiking Trek

Hi I did the trek two years ago and went self-guided/solo. I booked all the refuges on my own. Last year, I did the Haute Route from Chamonix to Zermatt. Also self-guided and booking all on my own. PM me if you have any questions or want more information. I'll be happy to hop on a call also as you g...
by sad2
Sat Dec 07, 2019 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: How much car can i afford
Replies: 128
Views: 8430

Re: How much car can i afford

It appears your net worth is $133k. So $1,330 is what you can afford. Again, I admit it does not always work for one early in one's career. I guess my point is that you need to keep your current car! 133+ around 140k into house I forgot to include the equity in your house. That would increase it to...
by sad2
Sat Dec 07, 2019 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: How much car can i afford
Replies: 128
Views: 8430

Re: How much car can i afford

It appears your net worth is $133k.

So $1,330 is what you can afford.

Again, I admit it does not always work for one early in one's career.

I guess my point is that you need to keep your current car!
by sad2
Sat Dec 07, 2019 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: How much car can i afford
Replies: 128
Views: 8430

Re: How much car can i afford

This rule may not work for one early in one's career and is, I admit, overly conservative.

I use the following metrics.

.1% of net worth for a road bike
1% of net worth for a car (all-in purchase price as if paying cash)
10% of net worth for a house (all in-purchase price as if paying cash)
by sad2
Tue Jun 18, 2019 6:56 pm
Forum: Personal Consumer Issues
Topic: Hiking in Vancouver July 2019
Replies: 5
Views: 631

Re: Hiking in Vancouver July 2019

I appreciate the suggestions.
by sad2
Mon Jun 17, 2019 2:56 pm
Forum: Personal Consumer Issues
Topic: Hiking in Vancouver July 2019
Replies: 5
Views: 631

Hiking in Vancouver July 2019

I know there are a lot of hikers here, so I thought I’d ask. I'll be meeting my parents in Vancouver for four days prior to their departure on an Alaskan cruise. I’m looking for hiking recommendations. I'll be staying near the Stanley Park area (English Bay). I may not have a rental car. Hikes can b...
by sad2
Sat Feb 02, 2019 7:13 pm
Forum: Personal Consumer Issues
Topic: Things to do in Inverness, Scotland
Replies: 9
Views: 899

Re: Things to do in Inverness, Scotland

Thank you all for the recommendations. Dunrobin Castle looks spectacular. However, I'm not seeing any public transport options close by. It appears to be 52m from INV. Yes, I'll jump in Loch Ness at Dores Beach. Rajah Indian looks great. I'll likely rent a bike and explore the south/east side of Loc...
by sad2
Sat Feb 02, 2019 12:21 am
Forum: Personal Finance (Not Investing)
Topic: Marriage "Benefits"
Replies: 108
Views: 10303

Re: Marriage "Benefits"

PoppyA wrote: Thu Jan 31, 2019 8:21 pm If you are underweight, you will gain 10 pounds after you get married.
too funny!
I'm single but I have heard 25 pounds, 1 pound a year, from Age 25 to 50.
by sad2
Fri Feb 01, 2019 11:52 pm
Forum: Personal Consumer Issues
Topic: Tips for Walker's High Route (Chamonix to Zermatt) August 2019
Replies: 1
Views: 288

Tips for Walker's High Route (Chamonix to Zermatt) August 2019

Two years ago, I did the Tour du Mont Blanc, a trek through the French, Italian, and Swiss valleys from Les Houches to Courmayeur to Champex to Argentiere, back to Les Houches. I spent a few days post-hike in Chamonix and Annecy. I'll be going back to attempt the Walkers High Route from Chamonix to ...
by sad2
Fri Feb 01, 2019 11:36 pm
Forum: Personal Consumer Issues
Topic: Things to do in Inverness, Scotland
Replies: 9
Views: 899

Things to do in Inverness, Scotland

I'll be walking the Great Glen Way from Ft. William to Inverness in May (May 10th - May 20th) of this year. The hike will only be 5 days - 79 miles. Any recommendations for things to do/see in and around Inverness post-hike? I did the West Highland Way from Glasgow to Ft. William last August and spe...
by sad2
Sun Jul 08, 2018 8:14 am
Forum: Personal Consumer Issues
Topic: Colorado Day Hike Suggestions - Updated
Replies: 31
Views: 2520

Re: Colorado Day Hike Suggestions

A wonderful loop to do is Green Mountain, Bear Peak, and South Boulder Peak, all in Boulder proper. Not a 14er, but a solid workout with almost 5,000 feet of gain and less concerns about altitude. Feel free to PM me if you want other suggestions. Highlights from my experience are Bluebird Lake, Sand...
by sad2
Tue May 08, 2018 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: How to handle problem employee
Replies: 84
Views: 7932

Re: How to handle problem employee

Following as I am a relatively new manager (7 months) and am dealing with an employee who questions my requests. Today, I asked her to do something and her response was: "I just got two urgent contracts if they need attention in the next two weeks I probably wont be able to manage this " I...
by sad2
Mon Mar 19, 2018 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Can I Retire at 38?
Replies: 118
Views: 15637

Re: Can I Retire at 38?

alter wrote: Mon Mar 19, 2018 7:20 pm Being able to retire at 38 an get a 55k/year pension starting at 55 makes me wonder less about why the pension system in California is going bankrupt.
+1. Unsustainable. Federal and state government pensions cannot support future payouts.
by sad2
Thu Feb 15, 2018 7:31 am
Forum: Personal Consumer Issues
Topic: Honda vs. Toyota: Which has more bang for the buck?
Replies: 120
Views: 15204

Re: Honda vs. Toyota: Which has more bang for the buck?

I generally prefer Honda over Toyota, but another thread reminded me about the costly Honda transmission problems some owners have been stuck with, so I'm hesitant to consider them equivalent on reliability. Choose Honda for performance and style, or choose Toyota for quieter ride and reliability. ...