Search found 331 matches

by Marylander1
Mon Apr 05, 2021 9:30 pm
Forum: Personal Consumer Issues
Topic: fire pit recommendations
Replies: 33
Views: 3383

Re: fire pit recommendations

We got a 19-inch Breeo last summer and love it. We put the lid on when not in use and it stays out all year. We were so surprised how good it is to cook on the rim, and also got the grill kit. It's delightful. Read the instructions for any model before you buy it. We first considered a Solo, but its...
by Marylander1
Sun Mar 28, 2021 11:28 am
Forum: Personal Consumer Issues
Topic: exipred / obsolete propane jugs
Replies: 58
Views: 3922

Re: exipred / obsolete propane jugs

Our local recycling program takes pretty much any non-radioactive metal object that fits in a recycle bin, but they specifically EXCLUDE any substantial tank designed to hold pressure. I don't know for sure, but presume they don't want the risk pressurized tanks in their trucks and letting centers, ...
by Marylander1
Sun Mar 28, 2021 10:49 am
Forum: Personal Consumer Issues
Topic: Ethical question about PayPal transaction
Replies: 16
Views: 1332

Re: Ethical question about PayPal transaction

...Looking for any thoughts on this. I would be looking for a way to send him the money. You "bought" the item for an agreed price, but the payment method did not work. It is your responsibility to pay for the item. I would not want a stolen item in my possession -- it would bring me no j...
by Marylander1
Tue Mar 09, 2021 4:50 am
Forum: Personal Consumer Issues
Topic: What are your alternatives to big name brands, like Amazon?
Replies: 72
Views: 4978

Re: What are your alternatives to big name brands, like Amazon?

I was burned by Amazon's counterfeit electronics—Amazon claimed "shipped and sold by Amazon" but the products were fake in ways that were difficult to detect until they totally failed. Search for "comingling" to see how third-party Sellers inject their dubious products into Amazo...
by Marylander1
Fri Mar 05, 2021 5:03 am
Forum: Personal Consumer Issues
Topic: Safer to Pay Bill by Mail or Phone?
Replies: 32
Views: 2129

Re: Safer to Pay Bill by Mail or Phone?

dru808 wrote: Fri Mar 05, 2021 12:52 am Right? Why is everyone mentioning billpay?
Because paying bills through the bank online sends a bank-created check when the recipient doesn't receive funds electronically.

Marylander1
by Marylander1
Tue Feb 23, 2021 11:17 am
Forum: Personal Investments
Topic: Switching to employer with fidelity 401k.
Replies: 12
Views: 601

Re: Switching to employer with fidelity 401k.

After I had a Fidelity login, I've started 2 employer retirement accounts. Both showed up automatically in my existing login with no effort on my part, or any kind of request they do so. It just happened, smoothly.

Marylander1
by Marylander1
Mon Feb 22, 2021 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax / H&R Block Comparison
Replies: 21
Views: 1699

Re: Turbo Tax / H&R Block Comparison

I do not get it how some people will switch products to save a few bucks. My time and the assurance of doing my taxes correctly are far more important. Some people who switched found the perceived hassle is minimal and the new product is also better in some ways. Whether the price difference is mea...
by Marylander1
Fri Feb 19, 2021 9:23 am
Forum: Personal Consumer Issues
Topic: Baseball cards - worth anything?
Replies: 49
Views: 6347

Re: Baseball cards - worth anything?

Buy a diamond (or a mint card) and then ask the seller what they will pay you for it. Ebay has sold listings. You can easily check what other people paid for the very same card that you have. I believed Dregob's point is that both the diamond market and the trading card market have extremely high f...
by Marylander1
Mon Feb 15, 2021 10:22 pm
Forum: Personal Consumer Issues
Topic: Computer monitor
Replies: 40
Views: 2692

Re: Computer monitor

We got a Dell Ultrasharp 37 inch ultrawide 3440 x 1600 monitor and love it far more than expected. It connects to a laptop with a USB-C and acts like a docking station.

Marylander1
by Marylander1
Wed Feb 10, 2021 10:23 pm
Forum: Personal Investments
Topic: E-Trade account - considering closing new account given experience so far
Replies: 20
Views: 2146

Re: E-Trade account - considering closing new account given experience so far

Getting around to my question...if you have an E-Trade account and would recommend E-Trade, what are your tips for getting prompt and knowledgeable service? My impression has been that E-Trade phone wait times are inversely proportional to one's balance. Your data point seems to support that hypoth...
by Marylander1
Wed Feb 10, 2021 6:45 pm
Forum: Personal Consumer Issues
Topic: ISO Antifog Solutions
Replies: 3
Views: 446

Re: ISO Antifog Solutions

The best solution I've found is not getting anti-reflective coatings on lenses you don't want to fog.

Marylander1
by Marylander1
Tue Feb 09, 2021 8:05 pm
Forum: Personal Consumer Issues
Topic: Subaru auto loan: what are the early payoff penalties? Should I just pay cash?
Replies: 26
Views: 1720

Re: Subaru auto loan: what are the early payoff penalties? Should I just pay cash?

We bought our 2018 Forester with 0% dealer financing through Chase. When they changed the terms to apply extra payments to the end of the contract instead of the earliest upcoming payments, we paid it off in full. No penalties of any kind. Huh? Can you better explain how and why they did this? Chas...
by Marylander1
Tue Feb 09, 2021 8:35 am
Forum: Personal Consumer Issues
Topic: Subaru auto loan: what are the early payoff penalties? Should I just pay cash?
Replies: 26
Views: 1720

Re: Subaru auto loan: what are the early payoff penalties? Should I just pay cash?

We bought our 2018 Forester with 0% dealer financing through Chase. When they changed the terms to apply extra payments to the end of the contract instead of the earliest upcoming payments, we paid it off in full. No penalties of any kind.

Your contract may differ.

Marylander1
by Marylander1
Fri Jan 29, 2021 5:03 pm
Forum: Investing - Theory, News & General
Topic: I still believe in “getting rich slowly”
Replies: 91
Views: 8776

Re: I still believe in “getting rich slowly”

I'm old-ish. I've seen/heard plenty of people during my 20's and 30's and 40's who were all about the latest version of "get rich quick". Oddly, none of the ones who talked about all the money they made when they were making it - are any better off today (decades later). They made the mon...
by Marylander1
Fri Jan 29, 2021 8:47 am
Forum: Personal Consumer Issues
Topic: Any chance for refund of USPS priority mail?
Replies: 35
Views: 2570

Re: Any chance for refund of USPS priority mail?

We get an email every morning with photos of each piece the USPS will deliver that day. It's amazing how often what's in email isn't in the mailbox. Sometimes, the item shows up a day or two later. Sometimes, we never see the item at all. I'd assume it went to a neighbor accidentally, except that I...
by Marylander1
Wed Jan 27, 2021 4:38 pm
Forum: Personal Consumer Issues
Topic: Showers and Shower faucets
Replies: 60
Views: 3642

Re: Showers and Shower faucets

I would add: install the valve on the wall opposite from the shower head. I hate that blast of cold water when you turn on the shower. But there's a trade-off: when you quadruple the length of pipe between the valves and the shower head, you quadruple the time it takes for a temperature change to g...
by Marylander1
Mon Jan 25, 2021 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Paypal sent me a 1099K
Replies: 67
Views: 8145

Re: Paypal sent me a 1099K

HAHA! They all break even :) Yes, they do mostly report net winnings. I think the net winnings works for casino betting. But with sports betting, each $1, $10, $100 is an event and the gross of those are your winnings. That is what you are supposed to report even if you receive nothing from the spo...
by Marylander1
Thu Jan 21, 2021 7:01 am
Forum: Personal Finance (Not Investing)
Topic: Nonspousal Inherited IRA Distribution Code 4?
Replies: 4
Views: 340

Re: Nonspousal Inherited IRA Distribution Code 4?

Same here: code 4 for an inherited IRA. I'm pretty sure this is how it's supposed to work.

Marylander1
by Marylander1
Tue Jan 19, 2021 11:45 pm
Forum: Personal Finance (Not Investing)
Topic: Need to lock 30 year mortgage NOW - where to start?
Replies: 26
Views: 1932

Re: Need to lock 30 year mortgage NOW - where to start?

I'm wondering why no one has suggested any big box names like Wells Fargo, Bank of America, etc., when in fact these large banks issue a majority of mortgages in the US. Do smaller companies typically provide an advantage in pricing or something else? Given the toxic fraud-riddled culture at Wells ...
by Marylander1
Sat Jan 16, 2021 7:46 am
Forum: Personal Consumer Issues
Topic: HBO Max Issues?
Replies: 31
Views: 2570

Re: HBO Max Issues?

Our Roku was cranky after we added HBO Max, but it soon notified us it would help if we add a micro SD card. It's been happy since.

Marylander1
by Marylander1
Fri Jan 08, 2021 4:59 pm
Forum: Personal Investments
Topic: High comp employee 401k restrictions help
Replies: 11
Views: 810

Re: High comp employee 401k restrictions help

From my experience it's fairly common at private-sector employees with low- and mid-tier 401ks. I've encountered it twice, but they took very different approaches. Employer #1 was a large firm that took care of its employees. I had the maximum withheld each year, and got refunds of $500–$1500 the fo...
by Marylander1
Thu Jan 07, 2021 4:30 pm
Forum: Personal Consumer Issues
Topic: Uneven cake slices
Replies: 44
Views: 2593

Re: Uneven cake slices

There is a good chance they are serving by weight; most financially responsible food service is done this way. Get two next time and check it out. The OP implies that each slice of a particular cake has the same cost -- if so, it seems highly unlikely that slices of different sizes would be the sam...
by Marylander1
Thu Jan 07, 2021 12:09 am
Forum: Personal Consumer Issues
Topic: Why do car salesman want to talk to me?
Replies: 63
Views: 6715

Re: Why do car salesman want to talk to me?

Most car dealers intentionally devise the most opaque and complex process of any consumer purchase (except medical care). Dealers' chosen system depends on high pressure and controlling the process, which doesn't work over email. "Surely you need the tire wax maintenance program! Your tire wax ...
by Marylander1
Wed Jan 06, 2021 11:57 pm
Forum: Personal Consumer Issues
Topic: USPS is incredibly fast!
Replies: 163
Views: 11756

Re: USPS is incredibly fast!

That's about when some mail sorting machines were removed, overtime was prohbited, the big blue mailboxes were removed. Exactly—it's very hard for an organization to succeed when the CEO has incentive for it to fail, and makes decisions like those. Imagine how UPS would function if its CEO were pai...
by Marylander1
Tue Jan 05, 2021 8:46 pm
Forum: Personal Consumer Issues
Topic: Emergency Cell Phone or Cheap Cell for Seniors?
Replies: 19
Views: 1021

Re: Emergency Cell Phone or Cheap Cell for Seniors?

I have been a long time believer in landline POTS for reliability but am beginning to have some doubts about how long that can continue (or perhaps its days have passed) due to the relentless drive to convert from an analog system to one that includes an increasing number of digital components. We ...
by Marylander1
Sat Dec 26, 2020 10:20 am
Forum: Personal Consumer Issues
Topic: Favorite Christmas Movies
Replies: 85
Views: 3892

Re: Favorite Christmas Movies

Others have been mentioned above, but I'll add these Christmas classics:
  • Hogfather ("There's no better present than a future.")
  • Rare Exports
Marylander1
by Marylander1
Sat Dec 26, 2020 10:12 am
Forum: Personal Consumer Issues
Topic: Streaming TV ?
Replies: 33
Views: 2665

Re: Streaming TV ?

Well, I was responding to the part of your post that you edited out, i.e. "I'm amazed how many Bogleheads happily spend $70+/month to watch shows constantly interrupted by ads and/or programming that can be viewed only at a specific time" Thus I was explaining why it's not amazing. Readin...
by Marylander1
Sat Dec 26, 2020 8:36 am
Forum: Personal Consumer Issues
Topic: Password storage apps, recommendations?
Replies: 119
Views: 5093

Re: Password storage apps, recommendations?

I don't think password safes should support the dubious at best, and often just flat out bad practice of sharing passwords with family members. Each person should have their own account, and powers of attorney should be used to give them the authority and privileges you want them to have. Then legi...
by Marylander1
Thu Dec 24, 2020 2:05 pm
Forum: Personal Consumer Issues
Topic: Password storage apps, recommendations?
Replies: 119
Views: 5093

Re: Password storage apps, recommendations?

For a specific example, how is 1Password more secure than Firefox? By default, 1Password requires a master password to access your saved passwords, Firefox does not 1Password will ensure all your passwords are unique, Firefox just stores them 1Password can generate passwords as well as store them 1...
by Marylander1
Thu Dec 24, 2020 1:42 pm
Forum: Personal Consumer Issues
Topic: Streaming TV ?
Replies: 33
Views: 2665

Re: Streaming TV ?

We happily pay more than 70 for our cable package plus tivo. The user experience is much much better than we get with streaming. Automatic buffering of what we are watching (tivo has 30 minute buffer ... phone rings, hit pause, even for shows not being "recorded"). Easy show lookup and we...
by Marylander1
Thu Dec 24, 2020 9:12 am
Forum: Personal Consumer Issues
Topic: Streaming TV ?
Replies: 33
Views: 2665

Re: Streaming TV ?

In addition to Netflix, we love CuriosityStream, which costs something like $3/month, and PBS Passport at $6/month. I'm eager to see other suggestions in this thread. On other threads I'm amazed how many Bogleheads happily spend $70+/month to watch shows constantly interrupted by ads and/or programm...
by Marylander1
Thu Dec 17, 2020 6:46 pm
Forum: Personal Consumer Issues
Topic: Who's keeping Netflix now? (price increased to $13.99)
Replies: 200
Views: 14353

Re: Who's keeping Netflix now? (price increased to $13.99)

I canceled my Netflix DVD service, which I've had since early 1999. We've repurposed our streaming budget to CuriosityStream ($12/year) and PBS Passport ($6/month).

Marylander1
by Marylander1
Sun Dec 13, 2020 3:24 pm
Forum: Personal Consumer Issues
Topic: Toilet Crack Repair Products
Replies: 120
Views: 5148

Re: Toilet Crack Repair Products

Then do you think a do it yourself person can easily replace the tank and the internal parts? Yes https://www.youtube.com/watch?v=7RMEfUEoV7k&ab_channel=BobsPlumbingVideos I've done it; I'd say it can be done by a do-it-yourself person who can wrangle heavy objects at odd angles within the spac...
by Marylander1
Sat Dec 12, 2020 4:56 pm
Forum: Personal Consumer Issues
Topic: Verizon or T-Mobile
Replies: 49
Views: 2782

Re: Verizon or T-Mobile

My Fi Android phone doesn't hesitate to send text messages or calls over WiFi when cell is disabled via airplane mode or poor coverage.

Marylander1
by Marylander1
Sat Dec 12, 2020 4:48 pm
Forum: Personal Consumer Issues
Topic: Weird Google drive access question
Replies: 18
Views: 1311

Re: Weird Google drive access question

Thanks for all the replies. I will ask to be sure but it has long been a university policy that email accounts are disabled on retirement except for emeritus faculty. It's a dumb policy imo as retired faculty are often big donors but it's not the dumbest university policy here by a longshot. I have...
by Marylander1
Sat Dec 12, 2020 4:07 pm
Forum: Personal Consumer Issues
Topic: Weird Google drive access question
Replies: 18
Views: 1311

Re: Weird Google drive access question

At my .edu you can keep your email address for life with department approval. But if you don't ask, it disappears. You might want to check with yours.

Marylander1
by Marylander1
Thu Dec 10, 2020 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Solo 401k-may hire employees-what to do?
Replies: 24
Views: 1259

Re: Solo 401k-may hire employees-what to do?

I plan to pay what I think is a generous salary but if I have to match the 25% employer contribution that I have for my Solo 401k account it is a non-starter. Are you certain? While many would prefer an incrementally higher salary to the same amount in 401k contributions, many Boglehead-style indiv...
by Marylander1
Wed Dec 09, 2020 7:54 pm
Forum: Personal Consumer Issues
Topic: Relocation to Houston, Texas from SF Bay - Advice
Replies: 102
Views: 9028

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

Don't buy a house in a reservoir or other flood-prone area.

https://projects.propublica.org/graphic ... reservoirs

Marylander1
by Marylander1
Wed Dec 02, 2020 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: Is it public record when you pay off a mortgage?
Replies: 84
Views: 7753

Re: Is it public record when you pay off a mortgage?

Carry with you some finance-oriented tracts from a door-to-door religious group of your choosing. When a relative brings up the subject of money let your eyes widen, produce your literature, and suggest taking a couple of hours right then and there to discuss the subject in depth. Your door-to-door...
by Marylander1
Sun Nov 22, 2020 3:14 pm
Forum: Personal Consumer Issues
Topic: Any Chase Sapphire Reserve cardholders planning on cancelling?
Replies: 93
Views: 10000

Re: Any Chase Sapphire Reserve cardholders planning on cancelling?

I will likely cancel once I've cashed out my points using PYB; I was also one of the original holders. With travel being extremely limited, the $300 travel credit isn't useful. You know the $300 travel credit also applies to gas and groceries this year, right? https://thepointsguy.com/news/chase-sa...
by Marylander1
Thu Nov 19, 2020 2:25 am
Forum: Personal Consumer Issues
Topic: Oddly Difficult to Find Items During the Pandemic
Replies: 317
Views: 31086

Re: Oddly Difficult to Find Items During the Pandemic

I've been trying to do an order for a week or so and the items I want are disappearing from the site. No more Charmin even listed. Yesterday, no KIrkland TP listed at all. No Kirkland kitchen 13 gal garbage bags, only a note that its unavailable through 12/31 online and status will be updated 1/1/2...
by Marylander1
Mon Nov 09, 2020 9:46 pm
Forum: Personal Consumer Issues
Topic: Car rental
Replies: 16
Views: 1052

Re: Car rental

+1 for Costco. It's consistently been the best price. I book early and check periodically for better rates. Autoslash lets you include Costco discounts in their immediate and ongoing searches for best price. Costco also quotes the TOTAL price. I'm sick of prices that exclude mandatory surcharges an...
by Marylander1
Mon Nov 02, 2020 12:58 pm
Forum: Personal Consumer Issues
Topic: My dog barks when I'm not home- solutions?
Replies: 79
Views: 5183

Re: My dog barks when I'm not home- solutions?

It sounds like a few hours of barking on a single day caused this neighbor to leave a note. When I've had loud barking dogs as neighbors, their owners tended to profoundly underestimate the noise and disruption to everyone else when they are away. I very much appreciate OP's desire to solve the pro...
by Marylander1
Sat Oct 31, 2020 10:09 am
Forum: Personal Consumer Issues
Topic: Has Mirrorless overtaken DSLRs?
Replies: 100
Views: 6042

Re: Has Mirrorless overtaken DSLRs?

Smartphones are great in good light... I disagree. Without a tripod, my Pixel 3 smartphone gets significantly better photos in low light then my T6i SLR with a pricey f2.8 lens. Have you post-processed the image from the DSLR? Comparing smartphone processed images versus unprocessed images from a D...
by Marylander1
Sat Oct 31, 2020 9:16 am
Forum: Personal Consumer Issues
Topic: Has Mirrorless overtaken DSLRs?
Replies: 100
Views: 6042

Re: Has Mirrorless overtaken DSLRs?

Smartphones are great in good light... I disagree. Without a tripod, my Pixel 3 smartphone gets significantly better photos in low light then my T6i SLR with a pricey f2.8 lens. I was very surprised to discover this, since the SLR looks to have perhaps 200x as much glass area on the lens front. I h...
by Marylander1
Thu Oct 29, 2020 9:45 pm
Forum: Personal Consumer Issues
Topic: How to find the cheapest motel along an interstate?
Replies: 60
Views: 3425

Re: How to find the cheapest motel along an interstate?

Just need a room to spend the night between 2 days of a road trip. Cheapest is all I need. I can get something to eat anywhere. Some years ago when using a AAA Tourbook to find the cheapest lodging, I ended up in a small motel room along I-40 that was a cinder block box—it had a door, but no window...
by Marylander1
Mon Oct 26, 2020 6:40 pm
Forum: Personal Consumer Issues
Topic: Dealing with Lenovo warranty customer service
Replies: 11
Views: 772

Re: Dealing with Lenovo warranty customer service

Service and support for the ThinkPad (and other Think) line of products are much better than for consumer products like the IdeaPad. Which do you have? I've found Thinkpad support has been good, certainly better than most other business computer companies like Dell, which in turn are far better tha...
by Marylander1
Fri Oct 23, 2020 11:10 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Abandoning Ship, Developing ‘New Brand Image’ has removed its ship logo from corporate docum
Replies: 107
Views: 9571

Re: Vanguard Abandoning Ship, Developing ‘New Brand Image’ has removed its ship logo from corporate docum

Logos tend to evolve over many years, consider Ford Motor Co. or AT&T from the turn of the century to the present. Ditto Microsoft, Apple, or Starbucks. There is a whole marketing science behind the branding of a company's logo so I applaud the move to get with the times. Marketing tries to cal...
by Marylander1
Tue Oct 20, 2020 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2020 software offer
Replies: 426
Views: 33472

Re: H&R Block 2020 software offer

There is a weird quirk w/ doing that=> if you do not eFile them together when done, HRB pops up a message of some sort stating one of them will not process until the other is received or some related flavor (cannot recall specific message, hoping someone else can clarify) buts is enough to get me t...