Search found 533 matches

by davebarnes
Sun Mar 10, 2013 12:45 pm
Forum: Personal Consumer Issues
Topic: Shopping for a 4-slice Toaster Oven
Replies: 14
Views: 1569

Consumer Reports says

Breville Smart Oven BOV800XL
Breville BOV650XL
Hamilton Beach Set & Forget #31230
Cuisinart TOB-195
Oster TSSTTVMNDG

in that order.
by davebarnes
Fri Mar 08, 2013 10:09 am
Forum: Personal Finance (Not Investing)
Topic: I'm 23 and moving out, should I get a credit card?
Replies: 46
Views: 3205

yes

I got my daughter one at age 12.
For emergencies.
She is now 26 with a FICO score over 800.
by davebarnes
Thu Mar 07, 2013 10:55 pm
Forum: Personal Consumer Issues
Topic: Final Payment to General Contractor
Replies: 4
Views: 476

keep some back

As built drawings
as vector PDFs
by davebarnes
Wed Mar 06, 2013 3:03 pm
Forum: Personal Consumer Issues
Topic: Would installing a French Drain (interior) be a good invest
Replies: 50
Views: 24119

If you do it: radon

If you install the drainage system, then make sure that it is setup so that radon mitigation can be added at the lowest cost.
by davebarnes
Wed Mar 06, 2013 11:58 am
Forum: Personal Consumer Issues
Topic: Extension Ladder
Replies: 21
Views: 7605

Made in USA or Mexico

Werner ladders are made in North America.
Excellent warranty.
by davebarnes
Tue Mar 05, 2013 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Financial leeches that are family
Replies: 31
Views: 8118

You need to speak

"I can't really speak my mind because it's an in-law, not one of my relatives." Wrong! One of your relatives now. That is what marriage is about. Joint . 1. Never lend money without a written loan agreement. I borrowed money from my mother 25 years ago for some house work and we had a written, forma...
by davebarnes
Mon Mar 04, 2013 3:01 pm
Forum: Personal Consumer Issues
Topic: My wife ruined my stereo speakers.
Replies: 27
Views: 2826

A source for good advice

Your best answer will come from these guys.
http://www.cartalk.com/
Tom is especially knowledgeable about wives.
by davebarnes
Sun Mar 03, 2013 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: Health Savings Account
Replies: 13
Views: 2013

Re: Health Savings Account

Do any people here have a Health Savings Account ? If so, who administers it ? 1. Are you under 65 years of age living in the USA? 2. Are you relatively healthy? If yes, then you should be be doing the HSA/RSA route. P.S. You really don't care who administers it as no one is paying any interest. Mi...
by davebarnes
Sun Mar 03, 2013 1:35 pm
Forum: Personal Consumer Issues
Topic: Password protect program
Replies: 21
Views: 2115

1Password

I think you are actually looking for a "Password Manager".
I think (based upon 4+ years experience) that 1Password is the answer.
I use it to manage 600 logins + multiple credit cards + 30 software licenses.
http://1Password.com
by davebarnes
Sun Mar 03, 2013 1:31 pm
Forum: Personal Consumer Issues
Topic: iMac or PC (windows)
Replies: 46
Views: 3384

iWork, Works

Windows...the cheap version they give you of Microsoft office has a word processing program for example called Microsoft works...What does Apple give you as far as word, powerpoint ability and spreadsheets? Do they open documents like .docx, pptx or do you need to buy something special? 1. "Microso...
by davebarnes
Sat Mar 02, 2013 6:24 pm
Forum: Personal Consumer Issues
Topic: iMac or PC (windows)
Replies: 46
Views: 3384

iMac Keyboard

jegallup wrote:No "Delete" key, for one thing. Can't get used to that.
Not true.
The iMac comes with your choice (same price of $zero) keyboards.
Wireless
and
Wired
Image
Notice the DELETE key.
by davebarnes
Sat Mar 02, 2013 12:45 pm
Forum: Personal Consumer Issues
Topic: Recommend a printer?
Replies: 56
Views: 5863

Brother

I have a Brother 4070CDW
Laser, color, duplex, wireless
since August 2007
has worked quite well
sucks for printing photos, so I don't
by davebarnes
Sat Mar 02, 2013 12:35 pm
Forum: Personal Consumer Issues
Topic: Extended Warranty for Furniture...Would you buy?
Replies: 16
Views: 17074

Re: Extended Warranty for Furniture...Would you buy?

Next time we will likely not buy the warranty, because we won't likely be buying anything motorized again (the motors were the reason we bought the warranty) Excellent point. Consumer Reports says you should buy extended warranty for: 1. Laptops 2. Stairmasters (every motor crapped out during their...
by davebarnes
Sat Mar 02, 2013 12:10 pm
Forum: Personal Consumer Issues
Topic: Disappointment while shopping for a new fridge
Replies: 44
Views: 6006

Re: La Cornue

Opting for anything less than a La Cornue means you've lost. La Cornue is pretty and for losers. http://www.lacornue.com/ http://www.joannehudson.com/cook/la-cornue/la-cornue-grand-palais.html only $46K Molteni is for winners. http://www.molteni.com/ http://www.futurofuturo.com/blog/2012/10/25/the-...
by davebarnes
Fri Mar 01, 2013 6:53 pm
Forum: Personal Consumer Issues
Topic: [Magazine subscription discounters?]
Replies: 13
Views: 1078

[Magazine subscription discounters?]

https://www.landofmags.com/

Kiplingers Personal Finance
1 yr $12
Money
2 yrs $24

I find them trustworthy.
However, the lag time is about 12 weeks.
by davebarnes
Fri Mar 01, 2013 4:21 pm
Forum: Personal Consumer Issues
Topic: Disappointment while shopping for a new fridge
Replies: 44
Views: 6006

CR good for somethings and not for others

I have subscribed to CR online for about 5 years. Always look at it for ratings on: white goods and associated items. I find that CR sucks when reviewing computers and cameras as they focus on unimportant features. That said: this is the frigo to buy http://www.subzero-wolf.com/builtin-refrigerators...
by davebarnes
Wed Feb 27, 2013 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage vs Medigap
Replies: 30
Views: 3809

Medicare MSA

I just stumbled upon Medicare Medical Savings Accounts (MSA) Plans.
So, now, I have 3 options?
How do normal people figure all this out?
I have 17 years of education and this swamp is full of muck.
by davebarnes
Wed Feb 27, 2013 1:14 pm
Forum: Personal Consumer Issues
Topic: Car servicing at dealership or local mechanic??
Replies: 39
Views: 3144

Easy decision for me

Dealer for warranty work. Nothing else.
Local mechanic for everything else.
My independent repair specializes in VW cars and is 2 blocks from my house. Taking my Audi there is trivial.
They provide excellent and trustworthy service.
by davebarnes
Wed Feb 27, 2013 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage vs Medigap
Replies: 30
Views: 3809

Plans F, there are two

Munir wrote:A Is there a high-deductible plan F?
Yes, there is. Cheaper than a regular Plan F.
by davebarnes
Tue Feb 26, 2013 11:05 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage vs Medigap
Replies: 30
Views: 3809

Medicare Advantage vs Medigap

I am 64.6 and so confused. Medicare Advantage vs Medigap 1. I am healthy. My only hospital visit in the last 30+ years was for a kidney stone (and, I will never make that trip again). 2. I have never taken any drugs for longer than a day or three. 3. I don't care what doc I see. A. Medicare Advantag...
by davebarnes
Fri Feb 22, 2013 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: What are the best insurance companies?
Replies: 16
Views: 2205

Re: AMICA

Postmon wrote:I've been with AMICA for 30 years and can't say enough good things about them.
42 years with AMICA. 40 for auto and now 2 for both auto and house.
Highly recommended.
by davebarnes
Sun Oct 21, 2012 3:56 pm
Forum: Personal Consumer Issues
Topic: Home Office Furniture
Replies: 14
Views: 2578

Get a good chair

16 years ago I bought a Herman Miller Aeron chair.
I have spent 8+ hours per day in it since then.
My office for 14 years was a custom-built home office.
My office now, in my house, has an IKEA GALLANT desk, AKURUM cabinet and a filing cabinet from CB2.

BUY THE BEST OFFICE CHAIR YOU CAN AFFORD.
by davebarnes
Mon Dec 20, 2010 12:49 pm
Forum: Personal Consumer Issues
Topic: Hello Chicago !!!! [restaurant recommendations]
Replies: 44
Views: 4749

Re: Hello Chicago !!!! [restaurant recommendations]

nbatt wrote:Help me out with a couple must hit Downtown Chicago Resturants....Good food being the number one top priority.
Surf to Yelp.com and search for restaurants in the neighborhood.
by davebarnes
Mon Jan 28, 2008 5:20 pm
Forum: Investing - Help with Personal Investments
Topic: Longevity Annuity vs Roth IRA
Replies: 4
Views: 1601

nisiprius, but in this case... even putting the premium into 100% TIPS in that IRA, waiting until age 60, 65, or 70, then buying an SPIA with it, would almost certainly be a better choice. This was extremely helpful. I went to http://www.brkdirect.com/spia/EZQUOTE.ASP to let Warren Buffet calculate ...
by davebarnes
Mon Jan 28, 2008 1:08 pm
Forum: Investing - Help with Personal Investments
Topic: Longevity Annuity vs Roth IRA
Replies: 4
Views: 1601

Longevity Annuity vs Roth IRA

Which would you do at age 40: 1. Put $10K into a Roth IRA that you would not touch until age 85? or 2. Put $10K into a longevity annuity? "If a 40-year-old man puts $10,000 into a Hartford longevity annuity today, he will begin to receive a monthly benefit of $2,550 for life at age 85" Source = http...
by davebarnes
Mon Jan 28, 2008 1:06 pm
Forum: Investing - Help with Personal Investments
Topic: Best mortgage refinance deals?
Replies: 2
Views: 2402

Re: Best mortgage refinance deals?

texasAUtiger wrote:I'm looking for good rates and low closing costs for a no cash out refi.
Are there other hidden gems like this that Bogleheads know about?
Try this guy at GoodMortgage

Jeff Norman
Tel: 877.523.3886 ext:204
Email: jnorman@goodmortgage dot com

I got a great refi offer from him.
by davebarnes
Sun Jan 27, 2008 12:52 am
Forum: Investing - Help with Personal Investments
Topic: Help w/ my 401k fund opt. 1st career job & start of my 4
Replies: 7
Views: 1429

1. What you should do is: a. Participate in the company 401K up to the max. b. If you can, drop $4K into a Roth IRA. 2. What you should not do at this time is worry about specific funds. a. You don't have any money in them. b. Picking the "right" or "wrong" one is fairly unimportant at this point in...
by davebarnes
Sat Jan 26, 2008 1:34 pm
Forum: Investing - Help with Personal Investments
Topic: Mortgages - Best Practices
Replies: 8
Views: 2438

While the mortgage itself may be a commodity, the process is very "sticky" and inefficient. The first problem is that the rules are different in every state. For example, some states (e.g., NJ) require that an attorney be involved. You also have to deal with the lender "covering their ass seven ways...
by davebarnes
Wed Jan 09, 2008 11:37 pm
Forum: Investing - Help with Personal Investments
Topic: Should I buy a house?
Replies: 41
Views: 8039

tmm999, 1. I am 59 so bear with me here. 2. Don't buy! My current mortgage payment is $1541. That is for a $140K, 15 year, 6.375%, fixed. Includes taxes of $2200 and homeowner's insurance of $1000 in [costs a lot less than northern California] Denver. Did I mention that we spend about $200/month on ...