Search found 312 matches

by Jim180
Wed Aug 23, 2017 12:21 am
Forum: Personal Consumer Issues
Topic: Lowes vs Home Depot
Replies: 48
Views: 4955

Re: Lowes vs Home Depot

I have both a Lowe's and Home Depot near me. I think Home Depot has a little cheaper price with the products. If it's something I want that is not an emergency however I can usually find it much cheaper on Amazon or sometimes even Walmart. For example a spark plug for my mower is $4+ at HD and Lowes...
by Jim180
Mon Aug 21, 2017 7:49 pm
Forum: Personal Consumer Issues
Topic: Poker Software
Replies: 11
Views: 1515

Re: Poker Software

I don't think you can find any software to approximate the real thing because when real money is on the line you have emotions like fear, courage, and greed that come into play. I don't think a program can be made to capture those emotions. I played once a week for a while but got tired of it. Too m...
by Jim180
Sun Aug 20, 2017 2:47 pm
Forum: Personal Consumer Issues
Topic: HVAC scam?
Replies: 10
Views: 1555

Re: HVAC scam?

"Voltage absorption system rejuvenation" just sounds like the act of changing the capacitor. When the capacitor is replaced the system becomes "rejuvenated" because then the capacitor kick starts the blower motor in the proper rotation like it is supposed to.
by Jim180
Tue Aug 15, 2017 6:04 pm
Forum: Personal Consumer Issues
Topic: Best Housing To Avoid Noise
Replies: 57
Views: 4893

Re: Best Housing To Avoid Noise

Living in the mountains somewhere is the best way to avoid noise. Living in a 55+ community probably isn't bad either if you are that age. If you are still young you could just live in a development somewhere where people must keep their dogs inside instead of out. Make sure a fire department or rai...
by Jim180
Sun Aug 13, 2017 12:27 am
Forum: Personal Consumer Issues
Topic: What home task(s) are worth learning to do yourself?
Replies: 46
Views: 4919

Re: What home task(s) are worth learning to do yourself?

Most home repairs can be learned from You Tube videos. I'd study repairs that you know eventually will have to be done. Learning to fix a leaking toilet and replace or fix a leaking faucet are two definite ones.You could learn some appliance repairs but buy a basic multimeter and learn how to use it...
by Jim180
Fri Aug 04, 2017 11:55 pm
Forum: Personal Consumer Issues
Topic: [SOLVED] VG Account Compromised: Please Advise
Replies: 30
Views: 2678

Re: VG Account Compromised: Please Advise

Do you close your browser after viewing your account? That is an important step.
by Jim180
Tue Aug 01, 2017 4:58 pm
Forum: Investing - Help with Personal Investments
Topic: Extremely low July dividend on Vanguard Ultra Short-Term Bond Fund
Replies: 2
Views: 473

Extremely low July dividend on Vanguard Ultra Short-Term Bond Fund

I just looked at the July dividend distribution I received on the Ultra Short-Term Bond Fund and it was so low I actually received more from the Prime Money Market even with a smaller investment in the MMF. How can this be? If I am taking more risk with a bond fund shouldn't I get more in dividends?...
by Jim180
Sat Jul 22, 2017 4:31 pm
Forum: Personal Consumer Issues
Topic: Am I getting good advice - replace the AC, not the 21 year old furnace
Replies: 33
Views: 2848

Re: Am I getting good advice - replace the AC, not the 21 year old furnace

I agree with those who say get both furnace and A/C now. I assume you still have the original heat exchanger in the furnace so I think the average lifespan on the heat exchangers is around 20 years. Also, if you wait for the furnace you will end up paying the installer labor to remove and install th...
by Jim180
Sat Jul 15, 2017 6:19 pm
Forum: Personal Consumer Issues
Topic: Does mower brand matter much if they're all Briggs & Stratton engines?
Replies: 84
Views: 7074

Does mower brand matter much if they're all Briggs & Stratton engines?

I have a very old lawn mower that's giving me problems. It might be time for a new one. It seems many major brands have Briggs and Stratton engines but are quite expensive. At Lowes or Home Depot I see lesser known brands that are much cheaper and also have Briggs and Stratton engines. Does it reall...
by Jim180
Sun Jul 09, 2017 8:36 pm
Forum: Personal Consumer Issues
Topic: Coyote control
Replies: 66
Views: 4601

Re: Coyote control

I don't know how rural the area is where you live but setting traps may be effective. Coyotes may be too clever for a catch alive trap so the most effective would be leg- hold traps. Some people frown on this because they consider those kind of traps inhumane but they're effective. You could then di...
by Jim180
Tue Jun 13, 2017 8:46 pm
Forum: Personal Consumer Issues
Topic: Repair or replace dryer?
Replies: 19
Views: 1343

Re: Repair or replace dryer?

There's no way I'd get it replaced, especially if you would have to get a new washer also. I've repaired my Whirlpool dryer many times. Replaced the pulley twice. Most anything on a dryer can be easily repaired yourself if you can get the parts.
by Jim180
Fri Jun 02, 2017 7:42 pm
Forum: Investing - Help with Personal Investments
Topic: Timing the market? :Bonds in rising interest rate environment
Replies: 22
Views: 2366

Re: Timing the market? :Bonds in rising interest rate environment

Four years ago (2013) a well known financial talk show host said everyone should move to low duration bond funds because the Fed is ready to start raising rates. He said everyone should get out of intermediate and long-term bond funds because they are going to get taken to the woodshed. When he made...
by Jim180
Wed May 17, 2017 11:57 pm
Forum: Personal Consumer Issues
Topic: should I tip repairman for TV?
Replies: 27
Views: 1988

Re: should I tip repairman for TV?

I guess I don't understand tipping someone who already earns a decent salary for doing their job. Waiters and newspaper carriers are fine but a TV repairman had to have specialized training so they are not exactly working for slave wages. If Squaretrade learns their techs are frequently getting tips...
by Jim180
Wed May 17, 2017 7:11 pm
Forum: Personal Consumer Issues
Topic: Keep paying for AC refrigerant when tech cannot find a leak
Replies: 20
Views: 1927

Re: Keep paying for AC refrigerant when tech cannot find a leak

So, is the technician the same company that the warranty is under? So you think they may be trying to minimize warranty payout by not fixing the leak? How much does the refrigerant recharge cost per year? How much would it cost to get a 3rd party A/C tech to test the unit for leaks? Is it possible ...
by Jim180
Wed May 17, 2017 12:55 pm
Forum: Personal Consumer Issues
Topic: Keep paying for AC refrigerant when tech cannot find a leak
Replies: 20
Views: 1927

Re: Keep paying for AC refrigerant when tech cannot find a leak

Ninnie wrote:Are you using Freon? If so, probably best to upgrade the system.

No, R-410. System installed 6 years ago. Had to replace a leaking A-coil after only one year.
by Jim180
Wed May 17, 2017 11:34 am
Forum: Personal Consumer Issues
Topic: Keep paying for AC refrigerant when tech cannot find a leak
Replies: 20
Views: 1927

Keep paying for AC refrigerant when tech cannot find a leak

For 2 consecutive seasons now I've needed refrigerant added to my home AC system at my annual inspection. Each time I've had a different technician check my system for leaks and tell me that he could not find any. Both times I was told that the leak must be so small that their detector cannot pick i...
by Jim180
Tue Apr 25, 2017 5:34 pm
Forum: Personal Consumer Issues
Topic: $300+ to remove a racoon. Really?
Replies: 83
Views: 5783

Re: $300+ to remove a racoon. Really?

Anyone trying to trap a raccoon needs to be careful. They may look like cute gentle creatures but they get a nasty temper when trapped and will bite.
by Jim180
Sun Jan 29, 2017 12:47 pm
Forum: Personal Consumer Issues
Topic: Sump pump and power outage
Replies: 53
Views: 4366

Re: Sump pump and power outage

If you look deeper into the Home Depot online information you will find a bit more information, including the following: "If you use the 6 hour battery (Model #24EP6) it will run for 6 hours of continuous pumping or up to 50 hours of intermittent pumping. You can also use the larger size 7.5 h...
by Jim180
Sun Jan 29, 2017 11:53 am
Forum: Personal Consumer Issues
Topic: Sump pump and power outage
Replies: 53
Views: 4366

Re: Sump pump and power outage

I had a battery powered backup sump pump. My basement is below the water level of an adjacent pond and in one particular very rainy outage my backup pump was running every 10 minutes or so. It lasted for 3 days until the power came back on. I'm not an electrical engineer but running for 10 seconds ...
by Jim180
Sat Jan 28, 2017 4:32 pm
Forum: Personal Consumer Issues
Topic: Sump pump and power outage
Replies: 53
Views: 4366

Re: Sump pump and power outage

Some of the suggestions already mentioned may work but it depends on factors. The battery back-up idea may work if the water comes in very slowly. If it comes in fast a battery will quickly lose its power. I lived in an old home once where the sump pump had to run every 15-30 minutes depending on ho...
by Jim180
Fri Jan 27, 2017 8:51 pm
Forum: Personal Consumer Issues
Topic: Windows 10 Security on a Tablet
Replies: 17
Views: 1432

Re: Windows 10 Security on a Tablet

Here's a link explaining some of the default settings you may want to change for added privacy:
http://www.computerworld.com/article/3025709/microsoft-windows/windows-10-quick-tips-how-to-protect-your-privacy.html
by Jim180
Sat Jan 14, 2017 10:11 pm
Forum: Personal Consumer Issues
Topic: Upgrade or just buy new? [Computer]
Replies: 44
Views: 2926

Re: Upgrade or just buy new? [Computer]

I believe just about any virus can be permanently removed from a computer if you use the right software. Don't know what malware program you are using but I would try Malwarebytes first. If you tried that already then you could try one of the best and most thorough I know of and that is VIPRE Rescue...
by Jim180
Fri Jan 06, 2017 3:02 pm
Forum: Personal Consumer Issues
Topic: Cookies that don't go away
Replies: 19
Views: 1934

Re: Cookies that don't go away

Anyone know what Vanguard puts on our computer to recognize it everytime we log in? I frequently delete cookies but Vanguard always remembers my computer.
by Jim180
Fri Dec 16, 2016 9:52 pm
Forum: Personal Consumer Issues
Topic: Buy a car or repair the old one
Replies: 17
Views: 1804

Re: Buy a car or repair the old one

You smelling any coolant while driving? If you use the heater or defrost do you smell any? Sometime the heater core goes bad. Check all hoses carefully. I think sometimes coolant can get into the transmission fluid, not always the oil. Check that also. I had a problem once with the intake manifold g...
by Jim180
Sat Nov 05, 2016 10:54 pm
Forum: Personal Consumer Issues
Topic: New Dentist - Lots of Recommended Work
Replies: 55
Views: 6800

Re: New Dentist - Lots of Recommended Work

I would have asked the dentist to show me on the x-rays where he sees the cavities.
by Jim180
Tue Oct 11, 2016 7:58 pm
Forum: Personal Consumer Issues
Topic: Furnace issue
Replies: 15
Views: 1389

Re: Furnace issue

Could be a pressure switch problem. Switch may not be opening or closing properly. One simple thing you could try is turn off electric to furnace, remove the hoses from pressure switch and blow into them. Sometimes there's a blockage in the hoses. Put the hoses back, turn on power and try starting f...
by Jim180
Mon Oct 03, 2016 6:12 pm
Forum: Personal Consumer Issues
Topic: New furnace part or new furnace?
Replies: 23
Views: 1840

Re: New furnace part or new furnace?

I guess I'll just pay the $650 and get it repaired. I could get the part easy and maybe do it myself. I'm reluctant to try it because I have to remove the burner assembly to replace the inducer. That's the way my furnace is designed. My concern would be that I accidently damage the burner or don't s...
by Jim180
Fri Sep 30, 2016 9:55 pm
Forum: Personal Consumer Issues
Topic: New furnace part or new furnace?
Replies: 23
Views: 1840

Re: New furnace part or new furnace?

I just learned that the part I need is available on Amazon for $40, but I don't have the technical expertise to install it. The tech wants $650 and can probably install it in a half hour. What a ripoff!
by Jim180
Fri Sep 30, 2016 8:47 pm
Forum: Personal Consumer Issues
Topic: New furnace part or new furnace?
Replies: 23
Views: 1840

Re: New furnace part or new furnace?

MNGopher wrote:My gas furnace has been through 21 Minnesota winters and still going strong.

Thanks for that post. I told the tech I'm leaning toward fixing it but will let him know Monday.
by Jim180
Fri Sep 30, 2016 8:33 pm
Forum: Personal Consumer Issues
Topic: New furnace part or new furnace?
Replies: 23
Views: 1840

Re: New furnace part or new furnace?

Curious, did the HVAC fellow tell you it has a shorter lifespan? When furnaces are designed and engineered, they usually last 20 years plus, now water heaters on other hand last 6-10 years, though could last longer. No, he didn't tell me that but I thought I read it somewhere. When he said 10-15 ye...
by Jim180
Fri Sep 30, 2016 6:19 pm
Forum: Personal Consumer Issues
Topic: New furnace part or new furnace?
Replies: 23
Views: 1840

Re: New furnace part or new furnace?

JoinToday wrote:My furnace & AC are over 20 years old. 10-15 years seems short, but I live in southern California. Maybe mine gets less usage.

I would replace it (myself).

I live in PA in a mobile home. It's a gas furnace. Mobile home gas furnaces have a shorter life span than most.
by Jim180
Fri Sep 30, 2016 5:49 pm
Forum: Personal Consumer Issues
Topic: New furnace part or new furnace?
Replies: 23
Views: 1840

New furnace part or new furnace?

Was told by HVAC tech I need a new inducer for my furnace, cost $650. My furnace is 9 years old. The tech said a furnace like mine usually lasts 10-15 years. Cost of new furnace would be about $3500. Would you get the new part or consider a new furnace?
by Jim180
Sat Apr 16, 2016 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: Wash sale?
Replies: 6
Views: 320

Re: Wash sale?

yes, wash sale. think of it this way: wash sales apply to the individual, not to the the account. m Does the Wash-Sale Rule Apply to IRA transactions? In 2008, the IRS issued Revenue Ruling 2008-5, in which it addressed the question of whether the wash-sale rules apply to IRAs. In this ruling, the ...
by Jim180
Sat Apr 16, 2016 6:58 pm
Forum: Investing - Help with Personal Investments
Topic: Wash sale?
Replies: 6
Views: 320

Re: Wash sale?

livesoft wrote:Super bad wash sale. Don't do that if you want to deduct the loss on your taxes.
So the fact that these accounts have different account numbers does not matter?
by Jim180
Sat Apr 16, 2016 6:48 pm
Forum: Investing - Help with Personal Investments
Topic: Wash sale?
Replies: 6
Views: 320

Wash sale?

I'm selling an investment in a taxable account that has a loss and immediately buying the identical investment in an IRA.
by Jim180
Tue Aug 25, 2015 10:17 am
Forum: Personal Consumer Issues
Topic: Oversized HVAC?
Replies: 40
Views: 6377

Re: Oversized HVAC?

We have Carrier's Infinity tstat, which is Carrier's top line of tstats. However, there is no way for me to adjust the sensitivity of the tstat. My thoughts are a properly sized HVAC should take more than 7 minutes to reach the set temp, without the tstat tricking it to do so. Well, I will say this...
by Jim180
Mon Aug 24, 2015 11:45 pm
Forum: Personal Consumer Issues
Topic: Buy and hold Apple shares
Replies: 8
Views: 1850

Re: Buy and hold Apple shares

The odds are that you will come out ahead if you hold the shares long enough. Will it be before you need a new vehicle? Who knows?
by Jim180
Mon Aug 24, 2015 8:51 pm
Forum: Personal Consumer Issues
Topic: Oversized HVAC?
Replies: 40
Views: 6377

Re: Oversized HVAC?

Your unit might be oversized but here's something also to think about. When you got the new unit they probably installed a new thermostat. Are you able to adjust the on/off temperature span on the thermostat? What temperature does it come on at and what temperature does it turn off at? When I got my...
by Jim180
Fri Jul 03, 2015 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: How to check annualized return
Replies: 15
Views: 1589

Re: How to check annualized return

Have you spoken with any Schwab rep for guidance? That would be the most obvious place to start.
by Jim180
Thu Jul 02, 2015 12:08 am
Forum: Investing - Help with Personal Investments
Topic: Bond Fund Dividends
Replies: 9
Views: 1895

Re: Bond Fund Dividends

I'm not an expert on bonds but it would seem to me that while an investor may feel shortchanged on dividends right now when yields start to rise, the long term investor will make up for it in the next cycle when yields start to fall again. If I understand bonds correctly then at that time investors ...
by Jim180
Fri Jun 12, 2015 3:49 pm
Forum: Investing - Theory, News & General
Topic: The 'Monday Effect'?
Replies: 50
Views: 8745

Re: The 'Monday Effect'?

joer1212 wrote:I have noticed that stocks tend to rise on Fridays and dip on Mondays.
I guess everyone knew that the first Friday after this post stocks would dip, not rise. We'll see what happens Monday.
by Jim180
Fri Jun 05, 2015 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Short term interest rates
Replies: 5
Views: 684

Re: Short term interest rates

When the Fed raises rates it will help things like CD's and MM funds. Stocks can also continue to rise. Raising short term rates will not cause a bear market in stocks unless they would raise too much too soon and then cause a recession. That is very unlikely since they already stated they would mov...
by Jim180
Tue May 19, 2015 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: Thrift Savings Plan and three-fund portfolio...
Replies: 27
Views: 5202

Re: Thrift Savings Plan and three-fund portfolio...

This quote is from the March 23, 2015 minutes of the Federal Retirement Thrift Investment Board: "Ms. Weaver reported that the committee report accompanying the House resolution offered examples of how such savings could occur, which included increased contributions to the defined benefit port...
by Jim180
Thu May 14, 2015 6:39 pm
Forum: Personal Consumer Issues
Topic: Is the Post Office slowing down First Class Parcel delivery?
Replies: 25
Views: 5280

Re: Is the Post Office slowing down first class parcel delivery?

The Postal Service has closed and consolidated a lot of mail processing plants to try and cut costs. The remaining plants have more mail than they can handle. They announced some time ago that they were lowering service standards on first class letter mail. So it is not surprising to hear that parce...
by Jim180
Sun May 03, 2015 7:59 pm
Forum: Personal Consumer Issues
Topic: Will you buy self-driving car?
Replies: 235
Views: 17648

Re: Will you buy self-driving car?

I will never buy one unless I'm forced to. I would feel LESS secure if the car was in total control. I always want some control in any situation that could mean life or death.
by Jim180
Thu Apr 23, 2015 10:06 pm
Forum: Investing - Theory, News & General
Topic: A Great List of Useless Financial Porn Phrases
Replies: 30
Views: 5348

Re: A Great List of Useless Financial Porn Phrases

I have to laugh when I hear someone say something like " I'm cautious in the short term, but long term I'm bullish".
Translation: " We could have a correction anytime but 20 years from now I think the market will be higher."
by Jim180
Tue Apr 21, 2015 5:10 pm
Forum: Personal Consumer Issues
Topic: Broken Oxygen Sensor on Car
Replies: 43
Views: 4820

Re: Broken Oxygen Sensor on Car

I had an O2 sensor replaced a couple of years ago for $212.00. The repair shouldn't have gone up in price that much, so $500 is high. I was told by a mechanic that my car would not pass inspection with the "check engine light" on.
by Jim180
Sat Apr 18, 2015 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: Is this an index fund?
Replies: 16
Views: 1798

Re: Is this an index fund?

The dead giveaway is that it offers downside protection. No true index fund can offer downside protection. Only an annuity can do that, FOR A PRICE!
by Jim180
Fri Apr 03, 2015 6:10 pm
Forum: Investing - Theory, News & General
Topic: Bogle says: "Active mutual funds could disappear:
Replies: 28
Views: 4403

Re: Bogle says: "Active mutual funds could disappear:

If Mr. Bogle is right then it could mean a lot of financial advisors will disappear.
by Jim180
Tue Mar 31, 2015 6:20 pm
Forum: Investing - Theory, News & General
Topic: Bear market warning sign
Replies: 27
Views: 6806

Re: Bear market warning sign

Now you'll have everyone in European and Emerging Market countries mad at you when their stocks plummet.