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Re: Minivan time! Opinions on 2013 Town & Country, Please

ReedMan -- We were in the market for a minivan in 2012. We didn't consider the T&C b/c my wife said she wanted a reliable Japanese vehicle (not to imply that T&C is unreliable). After looking at and test driving the main options, we elected to go with the Nissan Quest. I know Nissan isn't as...
by yolli71
Fri Aug 15, 2014 12:31 pm
 
Forum: Personal Consumer Issues
Topic: Minivan time! Opinions on 2013 Town & Country, Please
Replies: 23
Views: 2083

Re: Public Speaking-help

Tom, I can relate and I truly feel your pain. A lot of the people who are telling you to just "power through it," "make sure you know your material," "get a good night's rest," etc., don't really understand that this is more about a true debilitating anxiety than it is ...
by yolli71
Sat Jul 26, 2014 10:14 am
 
Forum: Personal Consumer Issues
Topic: Public Speaking-help
Replies: 79
Views: 5400

Re: Apple TV

As mhalley said, it's all about your internet speed. You probably have to upgrade your speed. Also, if possible, hook the internet ethernet cable directly into the Apple TV (instead of using a wireless network). I personally use wireless and it works just fine, but doing the direct hookup would give...
by yolli71
Fri Jul 18, 2014 8:52 am
 
Forum: Personal Consumer Issues
Topic: Apple TV
Replies: 43
Views: 3959

Re: Best website for airfare?

Thanks everyone! I'll check these out.
by yolli71
Fri Jul 04, 2014 3:19 pm
 
Forum: Personal Consumer Issues
Topic: Best website for airfare?
Replies: 20
Views: 3065

Best website for airfare?

I'm looking to travel from DC to San Diego sometime this year to visit family. I can take this trip just about any time, so I'm looking for a website that can provide me quotes for the cheapest flights based on an "open" schedule. In other words, what are the cheapest months & days of ...
by yolli71
Thu Jul 03, 2014 9:10 am
 
Forum: Personal Consumer Issues
Topic: Best website for airfare?
Replies: 20
Views: 3065

Re: do you lie about your finances to friends

I wouldn't say I "lie," but I'm selective about the info I provide. I'm very open about my salary b/c most of my friends make more than me and I'm a federal employee (where finding that out would be pretty easy anyway). What I don't tell is how much I "have" due to my savings. I'...
by yolli71
Wed Jul 02, 2014 9:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: do you lie about your finances to friends
Replies: 103
Views: 9722

Re: Will adding [air duct] returns cool the upstairs bedroom

We have had some HOT weather in the DC area in recent weeks. How are things going with your cooling situation? Actually not that bad. Now that we've had some really hot weather, this is what I have discovered: the air seal/insulation in the attic I had done last Oct. has definitely helped...it just...
by yolli71
Tue Jul 01, 2014 1:17 pm
 
Forum: Personal Consumer Issues
Topic: Will adding [air duct] returns cool the upstairs bedrooms?
Replies: 60
Views: 5283

Re: favorite mid/low-priced Caribbean locale?

Jamaica and Dominican Republic will give you the best bang for your buck. I know you can get direct flights into Punta Cana and I'm pretty sure you can into Jamaica as well (probably Montego Bay).
by yolli71
Thu Jun 26, 2014 6:26 pm
 
Forum: Personal Consumer Issues
Topic: favorite mid/low-priced Caribbean locale?
Replies: 30
Views: 3412

Re: Directv

We dropped DirecTV almost a year ago... couldn't be happier. We have Amazon Prime, Netflix, and Hulu Plus. So we spend about $23/month on TV (although the Amazon Prime benefits are much more than just TV) and still have a lot of programming. DH misses sports, but he seems to be doing just fine with...
by yolli71
Wed Jun 25, 2014 5:45 pm
 
Forum: Personal Consumer Issues
Topic: Directv
Replies: 36
Views: 2517

Re: Anyone regret paying off mortgage early?

I'm the OP and sorry to bring up a 2 year old thread. We finally paid off the mortgage last September. If we hadn't paid off, we would be better off now with the higher equity return (~15%). Nevertheless, I don't regret paying off the mortgage. Human psychology is a funny thing. The only regret is ...
by yolli71
Fri Jun 20, 2014 9:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 185
Views: 25724

Re: Experience with PenFed refinance

If you want a great deal, I say definitely give them a shot. If you want a worry-free quick settlement, look elsewhere. They take a long time to close and they're very picky as far as underwriting guidelines (but that's probably why they offer such great deals). If you're a "clean" applica...
by yolli71
Thu Jun 19, 2014 9:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Experience with PenFed refinance
Replies: 69
Views: 3525

Re: Will adding [air duct] returns cool the upstairs bedroom

I wonder if it's possible that the ductwork in the attic gets warmed up enough in the hot attic to produce air that isn't as cold as it should be? What's the temperature of the air coming out the AC vents compared to the temperature at the return air? I believe the vents should be 15-20F cooler tha...
by yolli71
Mon Jun 16, 2014 8:28 pm
 
Forum: Personal Consumer Issues
Topic: Will adding [air duct] returns cool the upstairs bedrooms?
Replies: 60
Views: 5283

Re: Buying a new mattress and bedding

How long on the Tuft and Needle? Only 2 months so far, but absolutely NO signs of any sagging at this point. The mattress is fairly firm and has no pillowtop (yet is comfortable), and it does not have any memory foam (another thing I don't like about most of today's mattresses). It's apparently mad...
by yolli71
Mon Jun 16, 2014 8:19 pm
 
Forum: Personal Consumer Issues
Topic: Buying a new mattress and bedding
Replies: 38
Views: 3306

Re: Will adding [air duct] returns cool the upstairs bedroom

Are there doors between the main and upper floors? If not the air can stratify on its own - trying to lower the temp upstairs just results in the cool air flowing down the stairs. Stairways are very large air ducts :-). We have a 3 story house, and shutting the door at the top of the upper stairs h...
by yolli71
Mon Jun 16, 2014 8:06 pm
 
Forum: Personal Consumer Issues
Topic: Will adding [air duct] returns cool the upstairs bedrooms?
Replies: 60
Views: 5283

Re: Buying a new mattress and bedding

I'm curious how you buy a mattress at Costco. I'm not a member but have shopped in Costco a few times with friends. I've never seen a mattress there. Do you just buy what you think you want online? Yes, that's exactly what you do. They do on occasion have mattresses in their warehouse, but it's not...
by yolli71
Mon Jun 16, 2014 7:52 pm
 
Forum: Personal Consumer Issues
Topic: Buying a new mattress and bedding
Replies: 38
Views: 3306

Re: Buying a new mattress and bedding

I have bought 2 mattresses within the past 8 months and 3 within the past 5 years...it is definitely a frustrating experience. I have learned a lot over this time and have one of 2 recommendations: buy your mattress from Costco b/c of their excellent return policy, or buy from Tuft & Needle onli...
by yolli71
Mon Jun 16, 2014 4:40 pm
 
Forum: Personal Consumer Issues
Topic: Buying a new mattress and bedding
Replies: 38
Views: 3306

Re: Will adding [air duct] returns cool the upstairs bedroom

A trip into the attic with the unit running to check for leaks in the duct work might make sense. I had a few smallish leaks in my system that were easily found just by passing my hand across the duct work with the unit running. There are some great youtube videos that show how to fix the leaks onc...
by yolli71
Mon Jun 16, 2014 11:58 am
 
Forum: Personal Consumer Issues
Topic: Will adding [air duct] returns cool the upstairs bedrooms?
Replies: 60
Views: 5283

Re: Will adding [air duct] returns cool the upstairs bedroom

Frankly, I'm surprised the auditor apparently did not recommend ceiling fans. Good point...I'm kind of surprised too now that I think of it. I'm thinking maybe he didn't mention it b/c he was trying to find the root cause of the problem. Like I said, the thermostat is in the master bedroom which fa...
by yolli71
Sat Jun 14, 2014 9:26 pm
 
Forum: Personal Consumer Issues
Topic: Will adding [air duct] returns cool the upstairs bedrooms?
Replies: 60
Views: 5283

Re: Will adding [air duct] returns cool the upstairs bedroom

Hi all...to answer more questions: 1. Yes, I do mean a venting fan (not an actual attic fan). I now realize this maybe wasn't optimal. I used to have an electric powered operated venting fan with no ridge vent...now I have a ridge vent with a solar powered venting fan (they simply replaced the old f...
by yolli71
Sat Jun 14, 2014 8:59 pm
 
Forum: Personal Consumer Issues
Topic: Will adding [air duct] returns cool the upstairs bedrooms?
Replies: 60
Views: 5283

Re: Will adding returns cool the upstairs bedrooms?

Thanks for the responses everyone. To answer some of your questions: 1. The energy auditor was BPI certified and a member of RESNET. He did do the blower door test and gave me the before and after results once the work was done. 2. The thermostat is in the master bedroom and there are 2 returns upst...
by yolli71
Sat Jun 14, 2014 3:59 pm
 
Forum: Personal Consumer Issues
Topic: Will adding [air duct] returns cool the upstairs bedrooms?
Replies: 60
Views: 5283

Will adding [air duct] returns cool the upstairs bedrooms?

Will adding an air return to each bedroom help cool the upstairs bedrooms in the summer? Background: I have always had a hard time cooling down the upstairs level of my SFH during hot summer days. I live in the DC area in a 3 level home that's about 3,500 sq ft. I have two 3 ton units for my home......
by yolli71
Fri Jun 13, 2014 2:05 pm
 
Forum: Personal Consumer Issues
Topic: Will adding [air duct] returns cool the upstairs bedrooms?
Replies: 60
Views: 5283

Re: Replacement checks?

Great thread...thank you. I had no idea I could order checks from someplace other than my bank (Bank of America).
by yolli71
Fri Jun 06, 2014 7:53 am
 
Forum: Personal Consumer Issues
Topic: Replacement checks?
Replies: 29
Views: 1666

Re: Child Care - 2 or More Children and Strategies to Pay

I'm sorry to tell you that daycare is the least of your future financial worries. Seriously?? The OP is considering paying $40k a year on daycare and that's the least of his worries? What is going to cost more than that for his children that he/she will need to pay? Hopefully college isn't mentione...
by yolli71
Sat May 24, 2014 10:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Child Care - 2 or More Children and Strategies to Pay
Replies: 46
Views: 3541

Re: Child Care - 2 or More Children and Strategies to Pay

We have one child at the moment, pay $375/wk for a home daycare (cost is very competitive with all daycares in the area). This is in Greater Boston area, which is one of the highest in the country, so take that for what it is. We are starting to think about #2 and day care costs have me worried. Pa...
by yolli71
Fri May 23, 2014 4:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Child Care - 2 or More Children and Strategies to Pay
Replies: 46
Views: 3541

Re: How do you make your money?

My wife and I are federal employees. We also rent out the basement of our home for $1,400/mo., though that will probably end when our two kids are out of daycare in a few years.
by yolli71
Fri May 23, 2014 4:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do you make your money?
Replies: 97
Views: 14685

Re: Your 529 Plan - Thoughts and Strategies

1. How old are your children who you're saving for? - Two and four 2. Which 529 Plan do you invest in? - VA Prepaid (we are VA residents) 3. What's the current balance? - $52,400 & $56,600 (we did the lump sum one time payment for each; this covers 4 year in-state tuition for each) 4. How much d...
by yolli71
Fri May 23, 2014 7:33 am
 
Forum: Investing - Theory, News & General
Topic: Your 529 Plan - Thoughts and Strategies
Replies: 39
Views: 2914

Re: What is the best all-inclusive resort you have ever visi

Agree regarding Punta Cana. The other nice thing is that I read DR and Jamaica give you the best bang for your buck in the Caribbean due to lower labor costs.
by yolli71
Fri May 09, 2014 6:10 pm
 
Forum: Personal Consumer Issues
Topic: What is the best all-inclusive resort you have ever visited?
Replies: 45
Views: 5789

Re: bathroom exhaust fan placement

Three recommendations. 1. Get a Panasonic fan because they are quiet. 2. Get a fan with more capacity than the typical specifications for your room size. 3. Do not place the fan in an enclosed shower since the fan would have to pull air from around the door or from other cracks in the shower enclos...
by yolli71
Fri May 09, 2014 2:46 pm
 
Forum: Personal Consumer Issues
Topic: bathroom exhaust fan placement
Replies: 18
Views: 1180

Re: Did you tell anyone you paid off your mortgage?

I'm wondering if there is a disconnect here relating to age. Perhaps there are people in their forties who get house-sized bonuses and go around telling people "I just paid off my mortgage," a slightly-disguised way of saying "my salary or bonus is about equal to the price of my hous...
by yolli71
Thu May 08, 2014 2:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 158
Views: 12832

Re: What is the best all-inclusive resort you have ever visi

They are all so different, it really depends on what you want to do and the kind of atmosphere you are after. As two extremes, Some people love Zoetry (I do), others love hedonism ( I haven't been there, but know people who love it). Need more info on what you want. Here are our requirements: 1. Lo...
by yolli71
Thu May 08, 2014 9:29 am
 
Forum: Personal Consumer Issues
Topic: What is the best all-inclusive resort you have ever visited?
Replies: 45
Views: 5789

Re: What do you do after maxing out your tax deferred?

Thanks for the replies everyone...some interesting insight. I forgot to mention that I already did the state of VA prepaid option for both our kids, so tuition is covered for 4 years. Fortunately the grandparents are covering room and board by contributing to a traditional 529 for the kids. This is ...
by yolli71
Mon May 05, 2014 7:52 pm
 
Forum: Investing - Theory, News & General
Topic: What do you do after maxing out your tax deferred?
Replies: 22
Views: 2706

Re: What do you do after maxing out your tax deferred?

I guess that the snarky answer to "So would you put money into a taxable fund or would you do I-Bonds?" Is yes. We do both. There is a relatively small amount you can put into I-bonds. We paid off our mortgage years ago, and our "spare" money goes to I-Bonds, UTMA accounts for t...
by yolli71
Sat May 03, 2014 10:22 pm
 
Forum: Investing - Theory, News & General
Topic: What do you do after maxing out your tax deferred?
Replies: 22
Views: 2706

What do you do after maxing out your tax deferred?

My wife and I currently max out our TSP and our Roth IRAs. However, we have no extra cash leftover to put towards anything else. If we do ever get extra cash (tax returns, holiday/birthday checks, etc.), we put it towards the mortgage as we'd like it pay it off as quickly as possible. We are current...
by yolli71
Sat May 03, 2014 9:59 pm
 
Forum: Investing - Theory, News & General
Topic: What do you do after maxing out your tax deferred?
Replies: 22
Views: 2706

Re: Does everyone have an Emergency Fund

My emergency fund is my 100k HELOC. Like some others have mentioned, I believe emergency funds are really based on individual needs. I want to invest as much of my cash as possible, so I try to keep as little as possible in savings accounts, money markets, etc. That being said, my situation might be...
by yolli71
Sat May 03, 2014 9:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does everyone have an Emergency Fund
Replies: 51
Views: 4726

Re: What does a Boglehead Mattress look like?

I just received my Tuft & Needle mattress 2 days ago and thought I'd provide an update. I've gotta say that I'm pretty impressed so far. The mattress is really comfortable though it's on the firm side. My wife absolutely loves it. The thing we really like the best is that we feel like we're actu...
by yolli71
Sat May 03, 2014 5:53 pm
 
Forum: Personal Consumer Issues
Topic: What does a Boglehead Mattress look like?
Replies: 21
Views: 3103

Re: Did you tell anyone you paid off your mortgage?

Interesting responses. My wife and I are about 5.5 years away from paying off our home and are really looking forward to that. I will tell my parents and my brother because we're all open about our finances with each other. My wife doesn't plan on telling anyone in her family. We likely won't tell m...
by yolli71
Thu May 01, 2014 4:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 158
Views: 12832

Re: Buying mattress online. Please help

arsenebould wrote:[OT comments removed by admin LadyGeek]


Thank you arsenebould! I just placed my order and saved $50.
by yolli71
Mon Apr 21, 2014 8:17 am
 
Forum: Personal Consumer Issues
Topic: Buying mattress online. Please help
Replies: 19
Views: 2233

Re: Buying mattress online. Please help

I don't think I would be comfortable buying a mattress online. (Pun intended! LOL) Seriously, it's where you sleep, like every night. Sleep is critical for you to be alert. How can you be successful if you can't stay awake. If you are can't stay awake you will be poor because you will not perform w...
by yolli71
Fri Apr 18, 2014 6:01 pm
 
Forum: Personal Consumer Issues
Topic: Buying mattress online. Please help
Replies: 19
Views: 2233

Re: Buying mattress online. Please help

[OT comments removed by admin LadyGeek] Wow...I'm really intrigued by [(removed) --admin LadyGeek] . I had never heard of this company until seeing your post. I was about to buy another mattress from Costco (to replace a mattress I just bought from Costco in December), but I think I'm going to give...
by yolli71
Fri Apr 18, 2014 10:18 am
 
Forum: Personal Consumer Issues
Topic: Buying mattress online. Please help
Replies: 19
Views: 2233

Re: All-inclusive resort vacation for $2K??

I suggest this place: https://www.groupon.com/deals/ga-sanctuary-cap-cana-3 My wife and I were just there 2 weeks ago and it is nice...we had a great time! It seems to meet your requirements and I can tell you firsthand that it's a nice resort with good food and premium liquor (even were serving Gre...
by yolli71
Tue Apr 15, 2014 4:46 pm
 
Forum: Personal Consumer Issues
Topic: All-inclusive resort vacation for $2K??
Replies: 19
Views: 2589

Re: New TV or Sound bar?

I have two Bose Cinemate GS II speaker/soundbar systems. They are not cheap ($599), but the sound very good and hookup simple (Optical). Compact, big sound, no receiver. You cannot replicate a 5.1 or 7.1 big system, but I found I don't need to. I tried for a few months to just use my TV speakers. M...
by yolli71
Sat Apr 12, 2014 9:09 am
 
Forum: Personal Consumer Issues
Topic: New TV or Sound bar?
Replies: 38
Views: 3477

Re: Why pay off your house?

This may be an overly simple way of looking at it, but for those who say to continue investing over paying off the mortgage, did you feel the same way in early 2009? If you would've lost your job and still had a big mortgage payment in early 2009, would you have been okay with taking cash out of you...
by yolli71
Mon Apr 07, 2014 5:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why pay off your house?
Replies: 119
Views: 9165

Re: LED bulb prices

I purchased 10 of the the EcoSmart 9-Watt (65W) BR30 Soft White (2700K) LED Flood Light Bulb (Model # ECS BR30L W27 65WE 120) from Home Depot in October of last year. They were for my kitchen and my master walk-in closet. So far I have been very impressed...they are dimmable and the light quality an...
by yolli71
Mon Apr 07, 2014 11:15 am
 
Forum: Personal Consumer Issues
Topic: LED bulb prices
Replies: 118
Views: 15330

Re: True Detective anyone?

Great, scary season finale! Maybe it was just me but I was extremely disappointed! I thought it was very anticlimactic. I'm wondering if I missed a deeper meaning perhaps? *Spoiler Alert* Two of the scenes that really made me roll my eyes: 1)when they suddenly made the connection from the killer's ...
by yolli71
Mon Mar 10, 2014 12:13 pm
 
Forum: Personal Consumer Issues
Topic: True Detective anyone?
Replies: 61
Views: 5709

Re: How Frequently Should A CO Detector Be Replaced?

I just bought some of these in December: http://www.smokealert.net/First-Alert-SCO501CN-3ST-p/0w-q10t-d9eg.htm They're the combo photoelectric smoke and carbon monoxide detectors with wireless link and "voice" alarm. The guy who owns the business is apparently a firefighter and was very re...
by yolli71
Tue Mar 04, 2014 3:42 pm
 
Forum: Personal Consumer Issues
Topic: How Frequently Should A CO Detector Be Replaced?
Replies: 14
Views: 741

Re: Negative air pressure?

I used to close our kids' bedroom doors at night but recently stopped because I heard you shouldn't do that due to negative air pressure. I've never heard anything like that and it doesn't make sense to me. Maybe you misunderstood what you heard. According to Wikipedia, Negative room pressure is &q...
by yolli71
Sat Mar 01, 2014 9:40 am
 
Forum: Personal Consumer Issues
Topic: Negative air pressure? [Room ventilation]
Replies: 16
Views: 857

Negative air pressure? [Room ventilation]

I used to close our kids' bedroom doors at night but recently stopped because I heard you shouldn't do that due to negative air pressure. So it got me wondering...what is the issue with negative air pressure? Is it a health/safety issue? Could it do any eventual damage to my hvac unit if I keep the ...
by yolli71
Sat Mar 01, 2014 8:43 am
 
Forum: Personal Consumer Issues
Topic: Negative air pressure? [Room ventilation]
Replies: 16
Views: 857

Re: Upgrade phone on Verizon Wireless?

Thanks everyone!
by yolli71
Sun Feb 23, 2014 12:29 pm
 
Forum: Personal Consumer Issues
Topic: Upgrade phone on Verizon Wireless?
Replies: 4
Views: 387

Upgrade phone on Verizon Wireless?

I've had my iPhone 4 for about 2.5 years now and am eligible to upgrade my phone at a discounted rate with Verizon. I'm thinking of going with the iPhone 5s. In looking at the Verizon Wireless website, it appears that the iPhone options are fairly limited. Can I purchase my upgraded iPhone from a re...
by yolli71
Sat Feb 22, 2014 8:36 am
 
Forum: Personal Consumer Issues
Topic: Upgrade phone on Verizon Wireless?
Replies: 4
Views: 387

Re: True Detective anyone?

I love the show and the last episode was my favorite. I thought I read somewhere (can't recall) that this show (with the current cast of characters) will last one season and then the next season will have new actors/characters with a new story...similar to American Horror Story.
by yolli71
Wed Feb 19, 2014 2:47 pm
 
Forum: Personal Consumer Issues
Topic: True Detective anyone?
Replies: 61
Views: 5709
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