Search found 98 matches

by j9j
Sun Apr 25, 2021 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Car Dilemma
Replies: 11
Views: 1262

Re: Car Dilemma

Whichever has the cheapest insurance!
by j9j
Wed Apr 21, 2021 8:00 am
Forum: Personal Consumer Issues
Topic: Surge Protector Recommendation
Replies: 18
Views: 1340

Re: Surge Protector Recommendation

Don’t get any surge strips that don’t have UL certification.

Also must(including popular Apc/cyberpower models)don’t have the proper cutoff range.

For most office/household equipment the tripplite isobar premium/ultra line is a safe bet.
by j9j
Wed Apr 07, 2021 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Buy the Audit protection (story)
Replies: 4
Views: 986

Re: Buy the Audit protection (story)

Good experience. I never even considered that audit protection fee but now I will keep it in mind if my situation gets more complex. Thanks
by j9j
Sat Apr 03, 2021 12:39 am
Forum: Personal Consumer Issues
Topic: Costco organic chicken / eggs
Replies: 23
Views: 2305

Re: Costco organic chicken / eggs

So tell me. If chicken and eggs are marked "organic" what does that really mean and how do I know for sure that they are "organic"? Not saying they aren't. But how would I know for sure? Or does it just require faith that we're getting what we're paying for? https://www.usda.gov...
by j9j
Fri Apr 02, 2021 11:37 pm
Forum: Personal Consumer Issues
Topic: Costco organic chicken / eggs
Replies: 23
Views: 2305

Re: Costco organic chicken / eggs

Fabulously good deal. Those two items(align with other proteins) are the main reason I keep the membership.

All these goods are coming from the same suppliers, just with a different label.
by j9j
Mon Mar 29, 2021 9:31 pm
Forum: Personal Consumer Issues
Topic: Bathroom Remodel
Replies: 45
Views: 2922

Re: Bathroom Remodel

You've received some great tips. A couple of additional suggestions. 1. Leave the bench out of the shower. Poorly constructed benches are one of the most common source of leaks in showers. if you need to sit or want a leg rest, use a small teak shower stool instead. 2. Consider multiple lighting so...
by j9j
Fri Mar 26, 2021 1:45 pm
Forum: Personal Investments
Topic: Any place better than Marcus (.5%) to park money?
Replies: 25
Views: 2730

Re: Any place better than Marcus (.5%) to park money?

I use Discover Bank, which is at .4% currently, but makes more for me as a one-stop stop. I set up a 2-6 year CD ladder with 1.8% rates last April, when it was clear that rates were going to go down hard, their checking account gives free checks and 1% cashback on debit card spending, and their cre...
by j9j
Wed Mar 24, 2021 8:50 pm
Forum: Personal Investments
Topic: Transferring entire 500k taxable account to Bitcoin?
Replies: 169
Views: 9976

Re: Transferring entire 500k taxable account to Bitcoin?

Triple digit golfer wrote: Wed Mar 24, 2021 8:48 pm What could go wrong?
:D
by j9j
Wed Mar 24, 2021 8:49 pm
Forum: Personal Consumer Issues
Topic: Shower pan leak—advice please
Replies: 24
Views: 2059

Re: Shower pan leak—advice please

First I would go over the drain and identify any issues that may exist there. I would then let the area and grout completely dry out. That could take take 2 or 3 days in a dry climate. I would inspect and remove and replace any loose grout on the inside of the shower. I would then use a clear grout...
by j9j
Tue Mar 16, 2021 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: Which credit unions offer deposit accounts paying more than 3% interest?
Replies: 80
Views: 7974

Re: Which credit unions offer deposit accounts paying more than 3% interest?

Jack FFR1846 wrote: Tue Mar 16, 2021 8:03 pm Digital Credit Union (DCU) pays 6.17% on the first $1000 of your primary savings account. Zero hoops to jump through. My family of 4 has 4 of these accounts. Cha ching.
Nice find. Good for younger folks I know. Thanks
by j9j
Mon Mar 15, 2021 7:03 pm
Forum: Personal Consumer Issues
Topic: Re-cycling very old PC-s (not MACs) ..how about using Staples?
Replies: 37
Views: 2736

Re: Re-cycling very old PC-s (not MACs) ..how about using Staples?

Pull out the hard drives, place them in old pillowcases and smash them to smithereens, using a rock, hammer, etc. Then bring the PC's (less the hard drives) to Staples for recycling without any worries. Put the pieces of the hard drives in the trash, spread across several trash pickups. Physically ...
by j9j
Wed Mar 10, 2021 12:56 am
Forum: Personal Finance (Not Investing)
Topic: Listing Realtor asking me to have mortgage lenders call her directly.
Replies: 85
Views: 6551

Re: Listing Realtor asking me to have mortgage lenders call her directly.

Present a formal written offer in real estate contract forms at appropriate for your locale. Make sure it is delivered with some sort of receipt even if has to be certified mail. Cc the listing agent’s broker/brokerage house.
by j9j
Tue Mar 02, 2021 5:12 pm
Forum: Personal Consumer Issues
Topic: Should I buy this 4Runner with my current situation?
Replies: 46
Views: 3429

Re: Should I buy this 4Runner with my current situation?

This may sound a little crazy, but a 2-3 year old Tundra SR5 double cab may be less expensive than a 4runner. The average combined gas mileage will be a couple mpg less, but the truck will be roomy, carry all your gear with a bed topper, and towing would be a breeze. Plus Toyota reliability. This i...
by j9j
Sat Feb 27, 2021 12:50 am
Forum: Personal Consumer Issues
Topic: Which car to sell?
Replies: 16
Views: 1281

Re: Which car to sell?

Fat Tails wrote: Sat Feb 27, 2021 12:47 am I would sell the Nissan. It is more likely to start having repair issues due to its mileage. The Lexus has a much longer life left and the big depreciation has already happened.

Good luck.
+1 That RX could last until EVs take over the world
by j9j
Fri Feb 26, 2021 12:32 am
Forum: Personal Consumer Issues
Topic: Mark’s Financial Computer Security Methods
Replies: 24
Views: 3473

Re: Mark’s Financial Computer Security Methods

Mark and Jayk combined list is great. A lot of good steps to incorporate.
by j9j
Wed Feb 24, 2021 6:40 pm
Forum: Personal Consumer Issues
Topic: Contractor Issues with Remodel
Replies: 64
Views: 3833

Re: Contractor Issues with Remodel

In the strictest sense you are right that if as not processed as a change order but most contractors do not communicate well and adhere to contract procedures. If the work was good quality and you are satisfied with scheduling then I would lean towards paying most if not all of the charges. Especial...
by j9j
Wed Feb 03, 2021 8:54 am
Forum: Personal Investments
Topic: For a Three - Fund Portfolio what is a good allocation?
Replies: 8
Views: 423

Re: For a Three - Fund Portfolio what is a good allocation?

I think it would be helpful to look at the various vanguard Target Retirement funds. You could view the Composition tab and see the breakdown vanguard chose for year.
by j9j
Mon Feb 01, 2021 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: promotion without salary increase
Replies: 81
Views: 7768

Re: promotion without salary increase

Using HR as scapegoat for the lack of salary increase and also being annoyed when a direct report is seeking counsel. Management Situation is not good. Kudos to you for addressing the situation right away. This reinforces the general theme that to get recognized then you must leave for another oppor...
by j9j
Sun Jan 31, 2021 10:57 pm
Forum: Personal Consumer Issues
Topic: When to (finally) replace cartridge for LaserJet printer
Replies: 16
Views: 794

Re: Immediately

Bogle7 wrote: Sun Jan 31, 2021 9:30 pm As a recipient of an HP pension, I think you should replace the cartridge now.
:D
by j9j
Sun Jan 31, 2021 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Home buying marathon
Replies: 43
Views: 4802

Re: Home buying marathon

Sounds like it would be worthwhile renting at least another year, save up, and reevaluate. At that purchase price, I personally would want more of a cash buffer.
by j9j
Sun Jan 31, 2021 11:00 am
Forum: Personal Finance (Not Investing)
Topic: T-mobile Money
Replies: 28
Views: 3798

Re: T-mobile Money

BogleFan510 wrote: Sun Jan 31, 2021 12:56 am Heads up about 3k daily limit on deposits and withdraws. Otherwise ok for me.
This is annoying limitation but you can push/pull from your other bank at higher limits. I opened the T-Mobile account about 3 months ago and will be using it for emergency fund until higher consistent rate shows up.
by j9j
Sat Jan 30, 2021 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Buying House from Owner - Price Determination?
Replies: 7
Views: 729

Re: Buying House from Owner - Price Determination?

Lack of comps is very common. You can take a look at the size of the lot, location, amenities, construction, appeal, etc and try and find something that's not exactly the same but similar. Then look at the sales price per square feet and use that, and your common sense. If you contact a bunch of re...
by j9j
Sat Jan 30, 2021 1:49 pm
Forum: Personal Investments
Topic: Holding REITs in Roth IRA
Replies: 10
Views: 886

Re: Holding REITs in Roth IRA

No tax issues, but you are using 100% of what some might argue as your most "valuable" account space to make a bet on one sector. I'd spread the bet out into other accounts. Here's VNQ (real estate index) vs VTI (Total market), total market dramatically outperformed . https://www.portfoli...
by j9j
Wed Jan 20, 2021 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Any (tax) CPAs make the switch solo-practitioner? How did it go?
Replies: 24
Views: 1964

Re: Any (tax) CPAs make the switch solo-practitioner? How did it go?

To add to the previous poster, I would advising more than 12 months cash buffer. It will take a while to build up a client base and you are probably restricted from soliciting the existing firms clients. Good luck!
by j9j
Tue Jan 19, 2021 11:13 am
Forum: Personal Consumer Issues
Topic: Buying a Car - TSLA OR Honda
Replies: 60
Views: 6028

Re: Buying a Car - TSLA OR Honda

A bit of a odd comparison. Odyssey is a spacious people mover with conventional engine. Model Y is a premium 4-5 person electric only SUV. Maybe the new Toyota Sienna would be a consideration. hybrid only and gets 36 mpg in spacious minivan form. Depending on the trim is in the same pricing ballpark.
by j9j
Sun Jan 17, 2021 10:33 am
Forum: Personal Consumer Issues
Topic: Computer Security - Encryption, Antivirus, Passwords
Replies: 9
Views: 1121

Re: Computer Security - Encryption, Antivirus, Passwords

[/quote] with the recent news of a massive breach that pretty much affected EVERYONE I make sure to have paper reports of everything banking wise. I no longer do paperless. [/quote] Having a certain history of account statements is a good point. I still do paperless communications but I do print and...
by j9j
Sat Jan 09, 2021 3:58 pm
Forum: Personal Consumer Issues
Topic: Sony TV Advice - Consumer Issue
Replies: 14
Views: 1341

Re: Sony TV Advice - Consumer Issue

Unfortunately, this is what happens to early adopters sometimes. It’s too late to get a refund or dispute it with a cc. I would say try to sell it and get an lg or whatever that actually implemented the missing features. 1k is a bitter pill to swallow, but I remember paying 6k for my 50 inch plasma...
by j9j
Wed Jan 06, 2021 7:29 pm
Forum: Personal Consumer Issues
Topic: Nurse practitioner as primary care provider?
Replies: 76
Views: 6204

Re: Nurse practitioner as primary care provider?

I have picked a practice to be my PCP. When I call with an urgent matter, I almost always get an appt with an NP because they are, of course, more available than the doctors. The NP conducts an examination and asks lots of questions, often spending more time than I ever get with a "real" ...
by j9j
Sun Dec 27, 2020 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: My disdain for homes: overpriced, high transaction fees, maintenence etc..
Replies: 90
Views: 9430

Re: My disdain for homes: overpriced, high transaction fees, maintenence etc..

I think most members of this forum would tend to agree with you, but as a practical matter, many desirable neighborhoods require buying. The rent vs. buy calculus breaks down when there isn't rental liquidity. It's not a surprise when you realize how much home ownership is incented. This is true. R...
by j9j
Sun Dec 27, 2020 12:52 pm
Forum: Personal Consumer Issues
Topic: Child will soon need a car. What would be the best approach?
Replies: 56
Views: 2997

Re: Child will soon need a car. What would be the best approach?

An Is250 2009 is a fabulous car for most people and would be a great car for new driver. I believe that is a 4 cylinder model and is a good size. Since you already know the history of it, it would be much better to keep that than look for another used car. It should last him easily through high scho...
by j9j
Tue Dec 22, 2020 11:29 pm
Forum: Personal Finance (Not Investing)
Topic: Are these good enough reasons to change jobs?
Replies: 51
Views: 4163

Re: Are these good enough reasons to change jobs?

75% pension at 52...I would advise you grind it out. The stability and steady hours are important with young children. A lot of the cons are present in most private sector jobs.
by j9j
Thu Dec 10, 2020 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: We won the game…then we rolled the dice
Replies: 192
Views: 20638

Re: We won the game…then we rolled the dice

That is a lot of risk to take on. Sounds like you both made some smart moves to hunker down so hopefully the exit will be worth it. Thanks for sharing.
by j9j
Wed Dec 09, 2020 9:51 pm
Forum: Personal Consumer Issues
Topic: That Frugal Thing You Do
Replies: 608
Views: 147145

Re: That Frugal Thing You Do

Qmann wrote: Tue Jul 23, 2019 7:41 pm
1) Buy lowest octane gas available for my Ferrari

(2) Order house vodka at my club instead of Grey Goose

(3) Cut my personal chef back to five days a week

(4) Don't tip bell boy when I stay at the Waldorf-Astoria
Now that’s funny!
+1. Hilarious
by j9j
Wed Dec 09, 2020 8:58 pm
Forum: Personal Consumer Issues
Topic: Relocation to Houston, Texas from SF Bay - Advice
Replies: 102
Views: 9058

Re: Relocation to Houston, Texas from SF Bay - Advice

You kinda hit the jackpot with that level of salary and being located in Katy. You can find nice housing and avoid the downtown commute a lot of us endure. Katy snd nearby Sugarland area(fort bend ISD) have some great school choices. Katy is epitome of Texas suburban life and that can be very nice i...
by j9j
Sun Nov 29, 2020 2:58 pm
Forum: Personal Consumer Issues
Topic: Switch from dual monitors to one big one?
Replies: 39
Views: 3124

Re: Switch from dual monitors to one big one?

I personally prefer single 34 inch Dell U3419w over two 24inch. For conference calls just share the exact window instead of the whole screen. 34 inch is plenty for 3 good size app/browser Windows. Or as another poster suggested keep one of the 24s. In case the 34 is a bit tight. Also there is a 43 i...
by j9j
Sun Nov 29, 2020 2:50 pm
Forum: Personal Consumer Issues
Topic: Trading a BMW for a Toyota
Replies: 84
Views: 6829

Re: Trading a BMW for a Toyota

Buy a new Toyota or keep the BMW one more year and consider get extended warranty if you keep it past the next two years.

rarely makes financially value to buy a 2-3 year old Toyota since used costs are so high.
by j9j
Tue Nov 17, 2020 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Taking a 100k paycut for a less stressful job?
Replies: 86
Views: 8599

Re: Taking a 100k paycut for a less stressful job?

-Slacker daytime staff
-slow peers that provide poor sign off
-admin buying pizza for abusers

Sound like a no win situation. Take the less stressful job. I would do it just to stop working all nights shifts.
by j9j
Wed Nov 11, 2020 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Weird Home Buying Situation
Replies: 17
Views: 2270

Re: Weird Home Buying Situation

It seems clear that you owe the money, but less clear who you owe it to - what if you pay the $4k to the realtor and somebody else has the right to collect the $4k? Personally, I think there is a moral responsibility to feed some negative feedback into the system about the realtor's poor performanc...
by j9j
Wed Nov 11, 2020 7:25 pm
Forum: Investing - Theory, News & General
Topic: How is this not insider trading?
Replies: 25
Views: 2618

Re: How is this not insider trading?

It is rotten:(
by j9j
Mon Oct 19, 2020 2:05 pm
Forum: Personal Consumer Issues
Topic: iPhone 12 Pro Max OR ...?
Replies: 103
Views: 8231

Re: iPhone 12 Pro Max OR ...?

As someone stated above, the iPhone 12 with new 6.1 OlED would be good option for the 6 plus upgrade. Same processors and same cameras(except the telephoto zoom). I had 7 plus went to a XS(screen too small) so shifted to XS max. One thing that gets overlooked is how heavy the Max models are compared...
by j9j
Mon Oct 19, 2020 10:57 am
Forum: Personal Consumer Issues
Topic: Running Linux vs Other OS?
Replies: 94
Views: 6584

Re: Running Linux vs Other OS?

Windows: Pros: Most Software/Games, Cons: Virus/Malware, Clunky UI Mac: Pros: Smooth OS, Better UI Cons: Limited Software Linux: Pros: Most Secure Cons: Least Popular Anyone have any other input, especially with running Linux? Looking to build a PC or NUC. The Mac Mini is almost 4 years old so deba...
by j9j
Sat Oct 17, 2020 7:50 pm
Forum: Personal Consumer Issues
Topic: Try Out Verizon While Keeping T Mobile Active?
Replies: 7
Views: 782

Re: Try Out Verizon While Keeping T Mobile Active?

If you are considering switching to Verizon for better converse then try a new number on their actual postpaid service. I think prepaid would be a bit more limited and deprioritized. I had terrible coverage issues with two different Verizon mvno(total wirelss and red pocket). That I switched back to...
by j9j
Sat Oct 17, 2020 11:52 am
Forum: Personal Consumer Issues
Topic: Pay $120/year for iCloud or switch to Google Photos
Replies: 48
Views: 3558

Re: Pay $120/year for iCloud or switch to Google Photos

Unless the terms have changed recently, if you store photos on Googles photo service then you are granting Google rights to those photos. I interpreted that as Google can reuse those photos in whatever manner they wish. I do not store anything in Google free services after looking into those terms a...
by j9j
Mon Oct 05, 2020 5:32 pm
Forum: Personal Consumer Issues
Topic: Buying a Tesla
Replies: 84
Views: 7762

Re: Buying a Tesla

This is the clearest Yes, to any recent threads.

Two suggestions is not to get the fastest version as it is pretty much a waste.

Second, unless you just want the S, consider a loaded model Y for the high seat height, newest components and shorter length.
by j9j
Sun Oct 04, 2020 3:11 pm
Forum: Personal Consumer Issues
Topic: Job Offer: Take it, leave it, or leverage it?
Replies: 37
Views: 3523

Re: Job Offer: Take it, leave it, or leverage it?

Leave it. Work your present position, keep learning, and be quite thankful that you have a good job in the middle of a global pandemic. Don't try to leverage it. Stay where you're at and hunker down. This. Now is not the time to move for marginal bump and more headache(ops). Also not clear that it ...
by j9j
Thu Oct 01, 2020 4:51 pm
Forum: Personal Consumer Issues
Topic: Vastly different quotes for wallpaper removal and painting job
Replies: 39
Views: 2599

Re: Vastly different quotes for wallpaper removal and painting job

Thank you for the follow-up. These contractor bid threads are always interestingly. I have the same questions and frustrations with wide varying quotes for similar work. Please do another follow-up and share the completed experience.
by j9j
Tue Sep 15, 2020 7:46 pm
Forum: Personal Consumer Issues
Topic: Is this guy trying to scam me on a car I'm selling?
Replies: 172
Views: 14318

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

Wanderingwheelz wrote: Tue Sep 15, 2020 7:43 pm This is 100% a scam.

Do not go anywhere near this.
+1
by j9j
Sun Jul 26, 2020 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Custom Home Thoughts
Replies: 103
Views: 7935

Re: Custom Home Thoughts

Be prepared for a not optimal sale in 10 years. Otherwise looks fine financially.
by j9j
Sun Jul 26, 2020 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Purchasing new build spec house. Question about allowances
Replies: 74
Views: 4974

Re: Purchasing new build spec house. Question about allowances

Good decision to exit this situation. Those changes by the builder seemed shady, at the very least not transparent. It is invaluable to have a positive relationship with a vendor for something like this. I like the prior post about local bank Financing and having some oversight. I will consider that...
by j9j
Tue Jul 21, 2020 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Help thinking through large purchase
Replies: 8
Views: 807

Re: Help thinking through large purchase

If you have space and budget, I would just keep the existing piano for the kids. Sounds like a good model if you and husband like the sound. It would be hassle trying to find one if you decided to get one later.