Search found 662 matches

by wfrobinette
Wed Jun 13, 2018 4:20 pm
Forum: Personal Consumer Issues
Topic: Chipmunk Repellent?
Replies: 36
Views: 2437

Re: Chipmunk Repellent?

pfrank wrote:
Tue Jun 12, 2018 7:27 am
The 5-gal bucket and sunflower seed trap works great. It’s simple and effective!

It is illegal in many states (including mine) to relocate wildlife from your property.
It's illegal in mine to drown. Only acceptable humane(instant death) kills are legal if they are destroying property.
by wfrobinette
Wed Jun 13, 2018 4:11 pm
Forum: Personal Consumer Issues
Topic: Chipmunk Repellent?
Replies: 36
Views: 2437

Re: Chipmunk Repellent?

I have had great success with a Havahart trap. Trapped 15 chipmunks last year and three this year. None seen for over a month. However, you need to transport the little creatures to another location. Tried various chemicals-- none were effective. Chipmunks can do a lot of damage. Cats can also be v...
by wfrobinette
Wed Jun 13, 2018 3:45 pm
Forum: Personal Consumer Issues
Topic: Does anyone use Imperfect Produce?
Replies: 9
Views: 1117

Re: Does anyone use Imperfect Produce?

open_circuit wrote:
Wed Jun 13, 2018 10:43 am
Never heard of it. Looks interesting, but doesn't deliver to my area. They do deliver to "Indianapolis, Illinois", wherever that is, though.
It's right next to Champaign, Indiana
by wfrobinette
Wed Jun 06, 2018 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc)
Replies: 266
Views: 17518

Re: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc

https://www.brookings.edu/articles/who-needs-harvard/ Pretty comprehensive review of my personal thoughts on the matter. IMO, the most pertinent statement: "The Gotta-Get-Ins can no longer claim to be the more or less exclusive gatekeepers to graduate school. Once, it was assumed that an elite-coll...
by wfrobinette
Wed Jun 06, 2018 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc)
Replies: 266
Views: 17518

Re: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc

https://www.brookings.edu/articles/who-needs-harvard/ Pretty comprehensive review of my personal thoughts on the matter. IMO, the most pertinent statement: "The Gotta-Get-Ins can no longer claim to be the more or less exclusive gatekeepers to graduate school. Once, it was assumed that an elite-coll...
by wfrobinette
Wed Jun 06, 2018 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc)
Replies: 266
Views: 17518

Re: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc

ve someone who went to Harvard College but can’t get into Harvard Law, plus someone who went to the University of Maryland and does get into Harvard Law,” Shirley Levin says. So 39% of the class comes from 8 schools and 61% comes from 2600 schools. I would say that is a pretty clear indication of h...
by wfrobinette
Wed Jun 06, 2018 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc)
Replies: 266
Views: 17518

Re: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc

In 18 years, a college degree could cost $500,000. https://www.cnbc.com/2017/03/17/in-18-years-a-college-degree-could-cost-about-500000.html I wonder what the projections were 18 years ago. I wonder if they were close to $250,000-$300,000. Parents need to save a lot if they want to insulate their k...
by wfrobinette
Wed Jun 06, 2018 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc)
Replies: 266
Views: 17518

Re: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc

Hello, Assumptions 1. my kids grow up to be average " students. 2. We are an upper middle class family when my kids apply for college (i.e. a few million dollar net worth). 3. Have some 529 balances. Say $75k each kid Do kids like these typically get any "free" money from colleges or any other orga...
by wfrobinette
Tue Jun 05, 2018 8:51 am
Forum: Personal Consumer Issues
Topic: How a credit card refund is applied?
Replies: 25
Views: 1435

Re: How a credit card refund is applied?

The refund will be applied to the next statement balance that follows the date the refund was finalized to the account. You still need to pay the entire current statement that appears before the refund is credited. You will end up with a credit balance (a negative balance) for the later statement i...
by wfrobinette
Tue Jun 05, 2018 8:41 am
Forum: Personal Consumer Issues
Topic: How a credit card refund is applied?
Replies: 25
Views: 1435

Re: How a credit card refund is applied?

My understanding is that the credit does not count toward your payment so you still have to pay $3,000. As others have said, it is best to call the credit card company. However, do you really trust the knowledge of the person that you talk to. You may want to ask them to make a note on your account...
by wfrobinette
Mon Jun 04, 2018 1:53 pm
Forum: Personal Consumer Issues
Topic: How a credit card refund is applied?
Replies: 25
Views: 1435

Re: How a credit card refund is applied?

The refund will be applied to the next statement balance that follows the date the refund was finalized to the account. You still need to pay the entire current statement that appears before the refund is credited. You will end up with a credit balance (a negative balance) for the later statement i...
by wfrobinette
Mon Jun 04, 2018 1:47 pm
Forum: Personal Consumer Issues
Topic: How a credit card refund is applied?
Replies: 25
Views: 1435

Re: How a credit card refund is applied?

My understanding is that the credit does not count toward your payment so you still have to pay $3,000. As others have said, it is best to call the credit card company. However, do you really trust the knowledge of the person that you talk to. You may want to ask them to make a note on your account...
by wfrobinette
Mon Jun 04, 2018 1:44 pm
Forum: Personal Consumer Issues
Topic: How a credit card refund is applied?
Replies: 25
Views: 1435

Re: How a credit card refund is applied?

For example, I bought a flight ticket for $1,500 last month and my total credit card balance is $3,000. I then cancelled the ticket and got a full refund. However, the refund was credited to my card account after last month statement closing date. So my statement balance was $3,000. My question, wi...
by wfrobinette
Mon Jun 04, 2018 1:41 pm
Forum: Personal Consumer Issues
Topic: MS Office 2016 "The Operating System Is Not Presently Configured To Run This Application"
Replies: 11
Views: 1004

Re: MS Office 2016 "The Operating System Is Not Presently Configured To Run This Application"

nedsaid wrote:
Mon Jun 04, 2018 11:31 am
Take the error message and Google it. Likely others have had the same problem and the more reputable message boards will recommend a good fix. Probably something is out there on the Microsoft website as well.
Dozen's of fixes came up.
by wfrobinette
Mon Jun 04, 2018 1:09 pm
Forum: Personal Consumer Issues
Topic: Top Shelf Liquor Overrated?
Replies: 185
Views: 15236

Re: Top Shelf Liquor Overrated?

Once a brand becomes "the latest and the greatest" the quality is sure to suffer. A recent example in my experience is Angel's Envy bourbon, which is aged in port wine barrels. I received a bottle as a gift a few years ago and found it to be a pleasant bourbon to drink neat. According to my local l...
by wfrobinette
Fri Jun 01, 2018 1:30 pm
Forum: Personal Consumer Issues
Topic: Sherwin Williams paint
Replies: 52
Views: 3461

Re: Sherwin Williams paint

Doing interior painting for our single family home starting next week, yet to buy the paint. Decided to go with Sherwin Williams brand. Just checked the website and found there is a 30% sale going on, I need to stop by at the store tomorrow and check. Do they have usually all colors available in th...
by wfrobinette
Fri Jun 01, 2018 1:16 pm
Forum: Personal Consumer Issues
Topic: Top Shelf Liquor Overrated?
Replies: 185
Views: 15236

Re: Top Shelf Liquor Overrated?

Once a brand becomes "the latest and the greatest" the quality is sure to suffer. A recent example in my experience is Angel's Envy bourbon, which is aged in port wine barrels. I received a bottle as a gift a few years ago and found it to be a pleasant bourbon to drink neat. According to my local l...
by wfrobinette
Fri Jun 01, 2018 1:09 pm
Forum: Personal Consumer Issues
Topic: Top Shelf Liquor Overrated?
Replies: 185
Views: 15236

Re: Top Shelf Liquor Overrated?

audioaxes wrote:
Thu May 31, 2018 3:54 pm
Im no drinking connoisseur by any means I can easily taste a difference with Evan Williams even when mixed with a 1:6 ratio of Cola compared with Jack, Crown Royal, etc
You should taste a difference between bourbon, Tennessee whiskey and Canadian Whisky
by wfrobinette
Fri Jun 01, 2018 1:05 pm
Forum: Personal Consumer Issues
Topic: Top Shelf Liquor Overrated?
Replies: 185
Views: 15236

Re: Top Shelf Liquor Overrated?

I’ve been comparing: Gordon’s Gin to Blue Sapphire Evan Williams Bourbon to Maker’s Mark Smirnoff Vodka to Grey Goose Kirkland Canadian Whiskey to Crowne Royale Kirkland Cognac to Remy Martin In most of these examples a half gallon is the same price as a fifth of the more expensive liquor. They are...
by wfrobinette
Mon May 14, 2018 10:54 am
Forum: Personal Consumer Issues
Topic: Dealer sold me a Certified Vehicle invloved in a prior collision
Replies: 23
Views: 2900

Re: Dealer sold me a Certified Vehicle invloved in a prior collision

N10sive wrote:
Fri May 11, 2018 4:38 pm
I think you might be qualified for a Carfax buyback guarantee but not sure what it entails.
I think you have to buy the carfax report to get the guarantee.
by wfrobinette
Mon May 14, 2018 10:52 am
Forum: Personal Consumer Issues
Topic: My Costco/TrueCar auto shopping experience
Replies: 47
Views: 37657

Re: My Costco/TrueCar auto shopping experience

When I bought a new car a couple of years ago, I was in the "Exceptional Price" category when I looked up my purchase price on TrueCar. That was done by just emailing all dealers within a 3 hour drive radius and picking the lowest. I won't go in the door unless they start at the exceptional price.
by wfrobinette
Mon May 14, 2018 8:52 am
Forum: Personal Consumer Issues
Topic: Buying a 2017 leftover [Chevy Bolt], account for depreciation
Replies: 1
Views: 344

Re: Buying a 2017 leftover, account for depreciation

I bought a left over 2016 Lexus in Feb. It was a huge discount(30% off MSRP) and I'll come out way ahead if I'd purchased the 2018. You'll get the full factory warranty as well.

I'd try to haggle a bit lower though.
by wfrobinette
Fri May 11, 2018 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Money vs. Work-life balance
Replies: 68
Views: 7612

Re: Money vs. Work-life balance

I'm currently debating on whether to start looking for my next job. My current MegaCorp has been having financial issues for the past 2-3 years that just don't seem to be going away and the board of directors are not voting to replace the C-level managers (all of whom need to go in my opinion). Tha...
by wfrobinette
Fri May 11, 2018 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: How To Handle Auto Accident Insurance Company Letter
Replies: 16
Views: 2207

Re: How To Handle Auto Accident Insurance Company Letter

Thank you all for the valuable information. My DW is better; she sustained some injuries and she is better physically but not normal;. Mentally she is still suffering and is not willing to drive yet. She seems to have some memory loss and will take a cognitive test at a Neurologist that has already...
by wfrobinette
Fri May 11, 2018 8:42 am
Forum: Personal Consumer Issues
Topic: When to buy new underwear?
Replies: 86
Views: 6258

Re: When to buy new underwear?

OK, thanks guys, but is there a limit to how many years would be too many years, even for a reasonable person? Like if you heard that someone was wearing ten-year-old underwear, would that sound weird? Not that that's me. I'm just curious. 8-) Average age of mine(hanes comfort band) is at least 6 y...
by wfrobinette
Fri May 11, 2018 8:35 am
Forum: Personal Consumer Issues
Topic: Which cordless weed whacker to buy?
Replies: 49
Views: 3320

Re: Which cordless weed whacker to buy?

You will be very underwhelmed by any of the battery trimmers. Go with a 4 cycle gas model. Your use case does not fit the profile of where a battery/re-chargeable trimmer is best for. https://www.homedepot.com/p/Ryobi-4-Cycle-30cc-Attachment-Capable-Straight-Shaft-Gas-Trimmer-RY4CSS/300339341 Do th...
by wfrobinette
Fri May 11, 2018 8:32 am
Forum: Personal Consumer Issues
Topic: Moving companies (long distance):recommendations+choosing delivery date?
Replies: 15
Views: 769

Re: Moving companies (long distance):can I choose delivery date?

rgs92 wrote:
Thu May 10, 2018 12:21 pm
Interesting. Are they all franchises? Even all the big well-known national names? Thank you.
For the most part, yes they are all franchised.
by wfrobinette
Thu May 10, 2018 12:18 pm
Forum: Personal Consumer Issues
Topic: Moving companies (long distance):recommendations+choosing delivery date?
Replies: 15
Views: 769

Re: Moving companies (long distance):can I choose delivery date?

rgs92 wrote:
Thu May 10, 2018 11:33 am

3. Has anyone had notably good experiences with one particular mover?

Yes, but they are all franchised so a good company in one area may be a terrible in another.
by wfrobinette
Wed May 09, 2018 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Asked to be Executor - What questions to ask
Replies: 39
Views: 3506

Re: Asked to be Executor - What questions to ask

What other issues or questions should be concerned with? They are working with an eldercare attorney to update their will, so it has a higher probability of covering most contingencies than many. The #1 question I would ask is whether they've set up EVERYTHING possible as BOD/TOD/POD. IMO, the Will...
by wfrobinette
Wed May 09, 2018 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: How to handle problem employee
Replies: 84
Views: 5768

Re: How to handle problem employee

Not everyone in corporate america is a high performer - that's just the way it is. I'm actually a bit concerned that as a new manager, you just want to fire the person, versus adapt your approach. I'm a relatively new manager with a few difficult employees and encountered the similar situations as ...
by wfrobinette
Wed May 09, 2018 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: How to handle problem employee
Replies: 84
Views: 5768

Re: How to handle problem employee

It would be helpful to provide some context into the type of position. Is this a knowledge worker role (it sounds like it is)? To what extent are you paying this employee to think independently? For example, in my industry, older engineers tend to be more conservative and come off as less enthusias...
by wfrobinette
Wed May 09, 2018 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: How to handle problem employee
Replies: 84
Views: 5768

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 can't im...
by wfrobinette
Tue May 08, 2018 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Health insurance, do we need it and how?
Replies: 23
Views: 2613

Re: Health insurance, do we need it and how?

I would never for a single day be without high quality medical insurance. Even if you returned and signed up for an ACA policy, you don't know if the best institutions for cancer for example are in the network and it is not like you get accepted the day you apply. I've been on an ACA plan and I can...
by wfrobinette
Tue May 08, 2018 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: annualcreditreport
Replies: 13
Views: 1166

Re: annualcreditreport

randompacking wrote:
Tue May 08, 2018 7:57 am
how many times per year can you check your credit report through the annualcreditreport.com site? is it possible to do more than 3?
No it's not. I've tried. I've frozen my credit so I don't have to worry as much. I check once a year.
by wfrobinette
Tue May 08, 2018 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: yet another should I change jobs question
Replies: 12
Views: 1126

Re: yet another should I change jobs question

I've seen a number of this type of post lately. None have yet matched my situation closely, so here goes. I'm struggling with a "should I change jobs" question. Here's the high level view. Start with the good things about current job: Pay is ludicrously good. Party due to being good at my job, part...
by wfrobinette
Tue May 08, 2018 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Is it time for me to change jobs or should I stay put?
Replies: 70
Views: 6647

Re: Is it time for me to change jobs or should I stay put?

mayday23 wrote:
Mon May 07, 2018 4:30 pm


I'd never take a lower paying job, but that's just me.
Happiness is sometimes worth more than money.
by wfrobinette
Tue May 08, 2018 1:24 pm
Forum: Personal Consumer Issues
Topic: Converting my (financial) Excel spreadsheets to MS Access DB?
Replies: 17
Views: 1279

Re: Converting my (financial) Excel spreadsheets to MS Access DB?

I’ve read all replies with great interest as I have thought about the same sort of project myself for a number of years (8 or 10 years or so), my time and energy being the constraints. I started using Excel in my engineering work around 1992 and, for me, a good way to learn how to use the program w...
by wfrobinette
Tue May 08, 2018 1:14 pm
Forum: Personal Consumer Issues
Topic: Converting my (financial) Excel spreadsheets to MS Access DB?
Replies: 17
Views: 1279

Re: Converting my (financial) Excel spreadsheets to MS Access DB?

Why do you want to do this? I have done conversions like this in the past. It is rarely an automatic win. I would recomend turning the sections you want to import into tables. Then there is a import tool in Access that will pull these tables from Excel in Access. I would treat these as staging tabl...
by wfrobinette
Tue May 08, 2018 1:09 pm
Forum: Personal Consumer Issues
Topic: United Mileage Plus CC - worth it?
Replies: 32
Views: 2993

Re: United Mileage Plus CC - worth it?

I have had this card for a few years. Planned on closing the account after the first year, but I ended up keeping it. I lost my status on United and I fly United enough (5 or 6 times/yr) that the Zone 2 boarding perk alone is worth it for me. If you're not flying United that much, it's not very use...
by wfrobinette
Mon May 07, 2018 2:09 pm
Forum: Personal Consumer Issues
Topic: What backup service to use?
Replies: 68
Views: 6697

Re: What backup service to use?

retire14 wrote:
Thu Nov 09, 2017 10:01 am
I am currently backing up my Mac with an external HD, but would like to find another backup mechanism. What backup service do you use and why? Is iCloud a good backup?Thanks.
I just moved to I drive. Got a 94% discount for being a competitive customer.
by wfrobinette
Fri Apr 20, 2018 2:16 pm
Forum: Personal Consumer Issues
Topic: What does a typical homeowners insurance policy have?
Replies: 10
Views: 1173

Re: What does a typical homeowners insurance policy have?

I'm currently shopping for a home owners policy--never had one before. What do I actually need--and how much coverage is appropriate? The house isn't in an earthquake, flood, wild fire, mudslide, hurricane, etc. area. For reference, the purchase price is $469k for a 1500 sqft 2story colonial built ...
by wfrobinette
Fri Apr 20, 2018 12:43 pm
Forum: Personal Consumer Issues
Topic: Cheap Caribbean [add-flights, cut price in half... too good to be true?]
Replies: 28
Views: 2190

Re: Cheap Caribbean [add-flights, cut price in half... too good to be true?]

https://www.cheapcaribbean.com/ Looking to book an all-inclusive vacation for 2 for 6 nights. Currently down-selected to El Dorado Seaside Suites. On their website it is around $3300 for us both, including food/drinks, and then about $500/ea for non-stop flights. Wanted to shop prices a bit and fou...
by wfrobinette
Fri Apr 13, 2018 3:24 pm
Forum: Personal Consumer Issues
Topic: Cheap Caribbean [add-flights, cut price in half... too good to be true?]
Replies: 28
Views: 2190

Re: Cheap Caribbean [add-flights, cut price in half... too good to be true?]

https://www.cheapcaribbean.com/ Looking to book an all-inclusive vacation for 2 for 6 nights. Currently down-selected to El Dorado Seaside Suites. On their website it is around $3300 for us both, including food/drinks, and then about $500/ea for non-stop flights. Wanted to shop prices a bit and fou...
by wfrobinette
Fri Apr 13, 2018 1:59 pm
Forum: Personal Consumer Issues
Topic: Cheap Caribbean [add-flights, cut price in half... too good to be true?]
Replies: 28
Views: 2190

Re: Cheap Caribbean [add-flights, cut price in half... too good to be true?]

https://www.cheapcaribbean.com/ Looking to book an all-inclusive vacation for 2 for 6 nights. Currently down-selected to El Dorado Seaside Suites. On their website it is around $3300 for us both, including food/drinks, and then about $500/ea for non-stop flights. Wanted to shop prices a bit and fou...
by wfrobinette
Fri Apr 13, 2018 1:47 pm
Forum: Personal Consumer Issues
Topic: Cheap Caribbean [add-flights, cut price in half... too good to be true?]
Replies: 28
Views: 2190

Re: Cheap Caribbean [add-flights, cut price in half... too good to be true?]

allinclusiveoutlet.com has more options for the rooms which match actual hotel naming conventions, makes me feel a bit better. They come out to a similar $2900 including car transport ($120 value) and decent flights (a non-stop on way there). I'll have to read up on reviews and also for interest sa...
by wfrobinette
Fri Apr 13, 2018 1:44 pm
Forum: Personal Consumer Issues
Topic: Cheap Caribbean [add-flights, cut price in half... too good to be true?]
Replies: 28
Views: 2190

Re: Cheap Caribbean [add-flights, cut price in half... too good to be true?]

https://www.cheapcaribbean.com/ Looking to book an all-inclusive vacation for 2 for 6 nights. Currently down-selected to El Dorado Seaside Suites. On their website it is around $3300 for us both, including food/drinks, and then about $500/ea for non-stop flights. Wanted to shop prices a bit and fou...
by wfrobinette
Fri Apr 13, 2018 1:28 pm
Forum: Personal Consumer Issues
Topic: Monetary gift in memory of deceased
Replies: 8
Views: 922

Re: Monetary gift in memory of deceased

Do not send the check to the family. Send it to the charity with a letter that asks for a receipt for tax purposes and that notification be sent to the family at the address you provide. Charities do this all the time and it should be routine for them to do that. Generally, the notification sent to...
by wfrobinette
Fri Apr 13, 2018 11:29 am
Forum: Personal Consumer Issues
Topic: Should I prewire my home network myself?
Replies: 40
Views: 2446

Re: Should I prewire my home network myself?

I'm definitely of the mind that any device that doesn't move should be hardwired. Less configuration and troubleshooting, better more reliable performance, and also makes your OTHER devices that you do want to be wireless perform better, due to reduced congestion. So all of my TVs, Tivos, desktop P...
by wfrobinette
Fri Apr 13, 2018 7:08 am
Forum: Investing - Help with Personal Investments
Topic: Crazy to start 529 without kids??
Replies: 49
Views: 3793

Re: Crazy to start 529 without kids??

Hello, so excited to find this community! I recently inherited a very large sum of money from my grandfather. Years ago, he had given me a Boglehead guide to investing book; but as a college student at the time with no debt, little income, and no savings, I read a few pages then filed it away. Sorr...
by wfrobinette
Mon Apr 09, 2018 3:54 pm
Forum: Investing - Help with Personal Investments
Topic: How to account for taxes after selling company stock?
Replies: 8
Views: 627

Re: How to account for taxes after selling company stock?

I would love some insight as to how to plan for taxes that result from selling company stock. My husband's company has granted RSUs for the company stock as well as for two subsidiary companies. For two of them, shares are withheld for taxes. For the third, we receive the entire value, minus transa...