Search found 165 matches

by Allan12
Tue Apr 12, 2016 4:25 pm
Forum: Personal Consumer Issues
Topic: Selling a house with solar panels
Replies: 38
Views: 3458

Re: Selling a house with solar panels

My understanding is that solar panels that have a leasing agreement actually decreases the value of the house. It can actually be a hassle to get the new owner to accept the agreement, and if they don't you have to buy out the lease. Where as, solar panels that have been purchased outright, slightly...
by Allan12
Tue Apr 12, 2016 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Simple Mortgage Refinance
Replies: 8
Views: 653

Re: Simple Mortgage Refinance

How does one go about finding these rates with no fees? Are the online banks associated with zillow rate finder legitimate? I am in NYC, so the mortgage refinance tax is $3,000. I can avoid that by having the mortgage assigned to the new company, but that requires an attorney, and the quotes I've re...
by Allan12
Tue Apr 12, 2016 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Simple Mortgage Refinance
Replies: 8
Views: 653

Re: Simple Mortgage Refinance

I can buy a point for approximately $3,000 and would bring my rate down to 2.875%. Is it worth it to buy a point, or 2 points? Seems like according to my calculations the savings is less than $2,000. Based on that statement and without running any numbers, I say, no, not worth it for the point. Of ...
by Allan12
Tue Apr 12, 2016 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Simple Mortgage Refinance
Replies: 8
Views: 653

Simple Mortgage Refinance

I currently have paid 3.5 years of $320,000, 3.625% 30 year Mortgage, with a balance of $295,000. I am refinancing to a 15 year mortgage, $300,000, 3.0% rate. The $5,000 increase of mortgage balance would represent refinancing fees rolled in. I am using the same bank to save on NYC associated fees, ...
by Allan12
Mon Apr 04, 2016 10:30 am
Forum: Personal Consumer Issues
Topic: Breaking concrete
Replies: 42
Views: 3298

Re: Breaking concrete

I was in a similar position as you a few months ago, a 15x15 concrete patio about 5" deep that had to be removed and my yard regarded. Asked some family to help me break it up and I had 4 very capable big guys show up and we rented the biggest electric Jack hammer from Home Depot. I was plannin...
by Allan12
Thu Mar 24, 2016 8:53 am
Forum: Personal Consumer Issues
Topic: Synthetic Grass in Yard
Replies: 14
Views: 1008

Synthetic Grass in Yard

Morning, Anyone replace a lawn with synthetic grass/realistic artificial turf? I have a section in my backyard about 40 wide by 20 deep, that I am thinking may be ideal for synthetic grass since it will hold a jungle gym for my kids. I like the idea of no maintence, no warn spots. Any first hand exp...
by Allan12
Sat Feb 20, 2016 2:52 pm
Forum: Personal Consumer Issues
Topic: Banned from Home Depot Returns
Replies: 100
Views: 16886

Re: Banned from Home Depot Returns

tinscale wrote:Glad it got resolved. Are they sending you a $25 gift card for your trouble? :shock:


The last thing I want is another gift card. Kinda funny I didn't even want to pursue that channel , just simply wanted to make my return.

Thanks for all of the insight everyone.

A
by Allan12
Fri Feb 19, 2016 2:59 pm
Forum: Personal Consumer Issues
Topic: Baseboard Heating- PEX vs Copper
Replies: 15
Views: 875

Re: Baseboard Heating- PEX vs Copper

...The contractor told me to decide on pvc vs pex. pvc is not copper, it's another type of plastic... don't let the contractor use it, go with the pex. pex will also be better than copper for this purpose. Does that only apply to the water tubing or the fins as well? I would imagine all baseboard u...
by Allan12
Fri Feb 19, 2016 1:48 pm
Forum: Personal Consumer Issues
Topic: Baseboard Heating- PEX vs Copper
Replies: 15
Views: 875

Re: Baseboard Heating- PEX vs Copper

I'm not really clear on your question. We have radiant underfloor heating. It uses PEX for the hot water but has aluminum radiator fins that clip onto the PEX and attach to the underside of the subfloor. If PEX is allowed, I think it is superior to copper and less expensive, so that is what I would...
by Allan12
Fri Feb 19, 2016 1:23 pm
Forum: Personal Consumer Issues
Topic: Baseboard Heating- PEX vs Copper
Replies: 15
Views: 875

Re: Baseboard Heating- PEX vs Copper

Yes, I mean the tubing going into the baseboards.

The contractor told me to decide on pvc vs pex.

Does that only apply to the water tubing or the fins as well? I would imagine all baseboard units would have metal fins?
by Allan12
Fri Feb 19, 2016 12:21 pm
Forum: Personal Consumer Issues
Topic: Baseboard Heating- PEX vs Copper
Replies: 15
Views: 875

Baseboard Heating- PEX vs Copper

All, I'm considering switching over my forced hot air system to baseboard heat as part of a major remodel. However, I'm torn wether to have baseboard heating installed with PEX or COPPER. I've heard the copper retains the heat better than the pex, but it's much more expensive. Also pex is apparently...
by Allan12
Fri Feb 19, 2016 11:16 am
Forum: Personal Consumer Issues
Topic: Banned from Home Depot Returns
Replies: 100
Views: 16886

Re: Banned from Home Depot Returns

Update: Pushed this issue/situation up the corporate chain. According to them, in terms of returns I am in very good standing. The issue was me trying to return a purchase made from my gift card. The whole return was blocked and noted in the computer, so no matter the id used or store visited those ...
by Allan12
Thu Feb 11, 2016 6:02 pm
Forum: Personal Consumer Issues
Topic: Banned from Home Depot Returns
Replies: 100
Views: 16886

Re: Banned from Home Depot Returns

2 of the items are circuit breakers. Apparently these items are a high theft item according to tinscale, however, having the receipt should negate this? Allan12: In my experience someone would not be blocked just because of a few no-receipt returns and then $50 worth of stuff. Your original post sa...
by Allan12
Thu Feb 11, 2016 3:54 pm
Forum: Personal Consumer Issues
Topic: Banned from Home Depot Returns
Replies: 100
Views: 16886

Re: Banned from Home Depot Returns

How would they have handled the return if the customer didn't drive (didn't have a license)? They would need some other Govt-issued ID number, passport, or SSN. If you cannot produce that, return denied. I was rejected after trying to return the same 10 items Have you tried to return 1 or 2? Are yo...
by Allan12
Thu Feb 11, 2016 2:38 pm
Forum: Personal Consumer Issues
Topic: Banned from Home Depot Returns
Replies: 100
Views: 16886

Re: Banned from Home Depot Returns

...I do shop there very frequently. I'd change that to used to shop there very frequently. Check out Lowe's, Ace, your local hardware store, or your local lumber yard. In this area, by far the best hardware/DIY store is a local one. As long as we continue to hand them our cash, they think nothing i...
by Allan12
Thu Feb 11, 2016 2:25 pm
Forum: Personal Consumer Issues
Topic: Banned from Home Depot Returns
Replies: 100
Views: 16886

Re: Banned from Home Depot Returns

Update: When I wasn't able to initially make the return I did ask to speak to a manager who wasn't helpful at all. They basically deferred to the system, even though I had the receipt. I didn't push too hard since I didn't want to become a nuisance because I do shop there very frequently. I called t...
by Allan12
Wed Feb 10, 2016 9:49 am
Forum: Personal Consumer Issues
Topic: Banned from Home Depot Returns
Replies: 100
Views: 16886

Re: Banned from Home Depot Returns

Maybe it's not the number of times you've returned something, but the value of the items you've returned. Home Depot (or any other retailer) loses money when people purposefully over-buy then return what they don't use. The retailer not only has to refund the money they already thought they made bu...
by Allan12
Wed Feb 10, 2016 9:42 am
Forum: Personal Consumer Issues
Topic: New Washer - Frontload or HE Top Load
Replies: 48
Views: 4463

Re: New Washer - Frontload or HE Top Load

I'm currently in the process of shopping for a new washer and dryer for my parents. The current washing machine they had recently bit the dust and they've decided it's time to replace both with a matching washer and dryer. For perspective, I'm 29 and the washer and dryer were purchased when I was i...
by Allan12
Wed Feb 10, 2016 8:53 am
Forum: Personal Consumer Issues
Topic: Banned from Home Depot Returns
Replies: 100
Views: 16886

Re: Banned from Home Depot Returns

I went to return about $50 worth of electrical products and my return wasn't allowed. I had my receipt, but my drivers license was apparently blocked. IMO, refusing to issue a store credit on a return with a valid receipt is unreasonable. As I understand it, the fraud scheme involves returning item...
by Allan12
Tue Feb 09, 2016 9:46 pm
Forum: Personal Consumer Issues
Topic: Banned from Home Depot Returns
Replies: 100
Views: 16886

Re: Banned from Home Depot Returns

I believe most, if not all, major store retailers, have similar policies in place to prevent fraud. You are returning things without a receipt, possibly as often as monthly. Even though you get getting store credit, this is no way to tell that the returned items were not shoplifted. Now you are usi...
by Allan12
Tue Feb 09, 2016 9:24 pm
Forum: Personal Consumer Issues
Topic: Banned from Home Depot Returns
Replies: 100
Views: 16886

Re: Banned from Home Depot Returns

I bought the items on Thursday last week and went to return them today, so only a few days later. It definitely has to do with the thought of manufactured spending/gift card fraud. It's just so disappointing that I can't clear my name. I literally had the receipt, the gift card that was used and was...
by Allan12
Tue Feb 09, 2016 4:56 pm
Forum: Personal Consumer Issues
Topic: Banned from Home Depot Returns
Replies: 100
Views: 16886

Banned from Home Depot Returns

Hello, I've been doing a lot of work around my house, and sometimes I will buy an extra few pieces/parts and make the returns to Home Depot. In the past, I've made returns without receipts, and just use the store credits for future purchases. After the new year I traded in AMEX points for a $200 Hom...
by Allan12
Sat Feb 06, 2016 3:21 pm
Forum: Personal Consumer Issues
Topic: Renting Bobcat
Replies: 12
Views: 1291

Re: Renting Bobcat

Are there ANY underground lines on your property (gas/electric/cable)? If so, you could have the guy come out and mark them. And while talking to him ask if he'd be willing to scan for the line(s) under the pad. Explain the situation, be clear that you're not expecting him to "officially"...
by Allan12
Sat Feb 06, 2016 9:07 am
Forum: Personal Consumer Issues
Topic: Renting Bobcat
Replies: 12
Views: 1291

Re: Renting Bobcat

Thank you for the help. BTDT is right the lines aren't public utility lines but left off the old pool. My intention is to have them shut at the breaker, however the electrical is a little screwey so in case one line is still live I am curious what would happen? Also, any ideas with the previous lawn...
by Allan12
Sat Feb 06, 2016 8:02 am
Forum: Personal Consumer Issues
Topic: Renting Bobcat
Replies: 12
Views: 1291

Renting Bobcat

Hello, In my backyard there is a concrete patio which I want removed and the grass is not level due to the previous owner removing a pool. I am planning on hiring a bobcat and operator for day to correct these issues. However, I have no experience with these issues so had a couple of questions.... 1...
by Allan12
Thu Oct 22, 2015 9:45 am
Forum: Personal Finance (Not Investing)
Topic: ReDeem IBONDS
Replies: 3
Views: 477

Re: ReDeem IBONDS

Okay thanks guys. Never knew that about inflation and the bonds.

Will see how he wants to proceed.

-A
by Allan12
Thu Oct 22, 2015 9:16 am
Forum: Personal Consumer Issues
Topic: New Roof-Skylight Leaking
Replies: 7
Views: 895

Re: New Roof-Skylight Leaking

Yes he sealed the glass.

I understand what you are saying. Unfortunately, the skylight is tough to access in the attic.

I just need to wait for the next substantial rain fall.
by Allan12
Thu Oct 22, 2015 8:51 am
Forum: Personal Consumer Issues
Topic: New Roof-Skylight Leaking
Replies: 7
Views: 895

Re: New Roof-Skylight Leaking

Just one of those things (hopefully). Last time I got a new roof they didn't seal the chimney flashing properly, and I got some nice leaks. But they got it right the second time. Hopefully your experience will be the same. Had the very same experience. The company came back and he saw the skylight ...
by Allan12
Thu Oct 22, 2015 8:49 am
Forum: Personal Finance (Not Investing)
Topic: ReDeem IBONDS
Replies: 3
Views: 477

ReDeem IBONDS

A while back my father gave me a stack of bonds. My plan was always to use the Ibonds to make necessary home improvements. The time has come to make those home improvements, and I realized the bonds are ibonds not Series EE, that he purchased bi-weekly through a payroll deduction. He is listed as th...
by Allan12
Sun Oct 11, 2015 8:07 pm
Forum: Personal Consumer Issues
Topic: New Roof-Skylight Leaking
Replies: 7
Views: 895

New Roof-Skylight Leaking

Last week I got a new roof, which was a complete tear off with new plywood. They kept my skylight and supposedly sealed it properly and guaranteed it against leaks. The skylight never leaked before my roof was redone. Of course, the first rainfall the skylight leaked and caused my Sheetrock inside t...
by Allan12
Wed Aug 19, 2015 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Old Company Bankrupt- Small Pension
Replies: 1
Views: 351

Old Company Bankrupt- Small Pension

A company I previously worked for has filed for Chapter 11 bankruptcy. I understand the PBGC protects the pension to a certain extent.

My question is: given the bankruptcy will I now be given the option to receive a lump sum? Or is it status quo and I need to wait until I reach retirement age?
by Allan12
Fri Jul 31, 2015 5:57 am
Forum: Personal Finance (Not Investing)
Topic: Please educate me on Life Insurance. Term vs Term-life?
Replies: 3
Views: 551

Re: Please educate me on Life Insurance. Term vs Term-life?

I think StevenNJ is referring to a term return of premium policy? I heard these policies rarely work out but I am interested in everyone's thoughts too!
by Allan12
Fri Apr 24, 2015 9:06 am
Forum: Personal Finance (Not Investing)
Topic: Student Loan Consolidation- DRB
Replies: 11
Views: 1271

Re: Student Loan Consolidation- DRB

How is the approval process?

Has anyone processed as a parent plus loan? Want to do variable rate.

-A
by Allan12
Fri Apr 10, 2015 5:30 am
Forum: Personal Consumer Issues
Topic: Lawn Sprinkler System
Replies: 5
Views: 786

Re: Lawn Sprinkler System

Switching heads may not work. If the system is operating properly you may have to add heads and possibly zones. There may be a problem with pressure or the heads or the lines. Does the system feed from high pressure lines from the street? I am not sure what you mean by brass. Perhaps the heads are ...
by Allan12
Fri Apr 10, 2015 5:28 am
Forum: Investing - Help with Personal Investments
Topic: Saving for retirement to supplement a pension
Replies: 18
Views: 2580

Re: Saving for retirement to supplement a pension

For what it's worth, I am 30 years old, have a pension that will most likely be available to some extent when I retire, and have asked myself the same question. Here's what I decided to do: Obviously, I contribute a pre-determined percentage to my pension. Fine with me. I then contribute 10% of my ...
by Allan12
Thu Apr 09, 2015 6:12 pm
Forum: Investing - Theory, News & General
Topic: Adding small-cap value fund to Vanguard Target Retirement?
Replies: 13
Views: 1571

Re: Adding small-cap value fund to Vanguard Target Retiremen

What's the name/symbol of Vanguard's small cap fund that corresponds to this articles 25% tilt?
by Allan12
Thu Apr 09, 2015 2:34 pm
Forum: Personal Consumer Issues
Topic: Lawn Sprinkler System
Replies: 5
Views: 786

Lawn Sprinkler System

All, Now that spring is here, I had a quick question about my lawn sprinkler system. I bought my house and the front lawn (25x25) has 2 sprinkler heads that don't provide full coverage or anything close. The system is supposedly brass. Does anyone have experience with brass sprinkler systems? I am w...
by Allan12
Sun Mar 15, 2015 10:51 am
Forum: Personal Finance (Not Investing)
Topic: New Credit Card for Home Improvements
Replies: 3
Views: 538

New Credit Card for Home Improvements

Goodmorning, Just interested in seeking out any expertise for a top credit card. I am looking to do a few various home improvements next month and I was wondering if anyone knew of a credit card that has an introductory offer of 0% interest for a year or so with decent rewards. The purchases will ma...
by Allan12
Wed Feb 18, 2015 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: CPA doing taxes for first time
Replies: 8
Views: 684

Re: CPA doing taxes for first time

If you do use a CPA, one thing that seems to fall between the cracks are non-deudctible contributions to tIRA and the Form 8606 that documents that contribution. I don't why this happens, but it has been reported numerous times that this question just didn't get asked. So if it applies to you, make...
by Allan12
Wed Feb 18, 2015 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: CPA doing taxes for first time
Replies: 8
Views: 684

Re: CPA doing taxes for first time

Sidney wrote:They won't (should not) file your return until you sign From 8879 authorizing them to e-file your return.


Perfect thanks for the heads up! Exactly what I was looking for.
by Allan12
Wed Feb 18, 2015 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: CPA doing taxes for first time
Replies: 8
Views: 684

CPA doing taxes for first time

All, I've been doing my own taxes via the turbo tax platform for close to a decade. This year I was referred to a CPA who is charging a little more than what I paid last year with turbo tax. I have a new job this year and he works with many members of my professional community and I feel I may be ab...
by Allan12
Thu Jan 22, 2015 8:56 am
Forum: Investing - Help with Personal Investments
Topic: Likelihood of Admiral shares for the Target Retirement Funds
Replies: 20
Views: 2889

Re: Likelihood of Admiral shares for the Target Retirement F

I am 100% invested in vanguard target date 2060. If I was to run a 3 fund portfolio what's the difference between expense ratios? I think I remember reading for 100k it was around a $100 year difference. Is that still the case or am I mistaken?
by Allan12
Wed Jan 14, 2015 11:10 am
Forum: Personal Finance (Not Investing)
Topic: 401k Rollover to IRA to Roth Conversion
Replies: 5
Views: 450

Re: 401k Rollover to IRA to Roth Conversion

I think you should be getting a 1099 (perhaps on-line?) for the $8000 you converted to a Roth. That's what I thought. Yes, probably online since I am paperless. Is the deadline to send it out still like February 1st? Lastly, I also cashed in a bond that in which I received $3500 of deferred interes...
by Allan12
Wed Jan 14, 2015 10:59 am
Forum: Personal Finance (Not Investing)
Topic: 401k Rollover to IRA to Roth Conversion
Replies: 5
Views: 450

401k Rollover to IRA to Roth Conversion

Quick Question: During the year I left my job and rolled over my 401k into a new Vanguard IRA and then converted half of it (around $8k) into my already established Roth IRA with Vanguard (Target Date 2060). Is the form I should be expecting from Vanguard a 1099 or should I be looking out for someth...
by Allan12
Fri Jan 09, 2015 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: Target Date Fund vs. 3 Fund Portfolio
Replies: 44
Views: 6789

Re: Target Date Fund vs. 3 Fund Portfolio

I love the target date funds, and am willing to pay a little extra for the simplicity of them. I don't think they're good investments for a taxable account though. I am 28, my wife is 26. We each have our Roth IRAs in vanguard, and each account has only one fund Target Date 2060. I find I'm more wi...
by Allan12
Fri Jan 09, 2015 5:57 am
Forum: Personal Finance (Not Investing)
Topic: Savings Bonds as gifts: Do I need the child's SS#
Replies: 8
Views: 1287

Re: Savings Bonds as gifts: Do I need the child's SS#

It's a shame what has happened with treasury direct and trying to buy bonds for kids. The process has become so confusing. My wife tried getting a bond for her godson thinking it wouldn't be much more complicated then going to the bank. She decided against setting up the account and now no longer bu...
by Allan12
Thu Jan 01, 2015 12:55 pm
Forum: Personal Consumer Issues
Topic: Cheapest Way to Watch Netflix
Replies: 27
Views: 3737

Re: Cheapest Way to Watch Netflix

The529guy wrote:I love my Chromecast! Currently $29.99 on Amazon (support the forum!).


Turns out I price matched in BestBuy for $29.99.

Thanks for all the help everyone!
by Allan12
Wed Dec 31, 2014 2:13 pm
Forum: Personal Consumer Issues
Topic: Cheapest Way to Watch Netflix
Replies: 27
Views: 3737

Re: Cheapest Way to Watch Netflix

Have very good wifi in the house, watch netflix constantly on my smart tv located in a different room. How would I find out if I have open hdmi input? Look at all the holes on your TV that you can plug things into. Look for one that says "HDMI" on it. If there's nothing plugged into it, y...
by Allan12
Wed Dec 31, 2014 2:06 pm
Forum: Personal Consumer Issues
Topic: Cheapest Way to Watch Netflix
Replies: 27
Views: 3737

Re: Cheapest Way to Watch Netflix

Have very good wifi in the house, watch netflix constantly on my smart tv located in a different room.

How would I find out if I have open hdmi input?

Go to advanced search