Search found 305 matches

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: 2407

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: 58
Views: 4991

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: 4165

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: 1208

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: 2175

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: 1813

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: 1753

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: 1753

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: 1753

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: 5410

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: 4176

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: 4176

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: 4176

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: 1373

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: 2853

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: 1845

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: 1742

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: 6673

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: 1326

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: 1774

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: 1774

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: 1774

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: 1774

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: 1774

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: 1774

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: 309

Re: Wash sale?

yes, wash sale. think of it this way: wash sales apply to the individual, not to the the account. http://www.investopedia.com/articles/retirement/09/ira-wash-sale-rule.asp Does the Wash-Sale Rule Apply to IRA transactions? In 2008, the IRS issued Revenue Ruling 2008-5, in which it addressed the que...
by Jim180
Sat Apr 16, 2016 6:58 pm
Forum: Investing - Help with Personal Investments
Topic: Wash sale?
Replies: 6
Views: 309

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: 309

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: 6241

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: 1838

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: 6241

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: 1560

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: 1882

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: 8657

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: 659

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: 5002

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: 5149

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: 17184

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: 5298

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: 4642

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: 1763

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: 4379

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: 6738

Re: Bear market warning sign

Now you'll have everyone in European and Emerging Market countries mad at you when their stocks plummet.
by Jim180
Tue Mar 17, 2015 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: Why Funds Over ETFs?
Replies: 57
Views: 7105

Re: Why Funds Over ETFs?

Perhaps to discourage marketiming. Mutual funds ( especially Vanguard) have strict limits on how often an investor can buy or sell. ETF's have no trading limits to my knowledge.
by Jim180
Fri Mar 13, 2015 2:17 pm
Forum: Personal Consumer Issues
Topic: Where to purchase Windows? What version?
Replies: 32
Views: 3091

Re: Where to purchase Windows? What version?

The most current version of windows is 8.1. Windows 10 is set to be released very soon. However when someone tries to upgrade to a newer version of windows on a computer that had an older version a person must be careful because sometimes an older machine may not be able to handle a newer version of...
by Jim180
Thu Mar 12, 2015 11:17 pm
Forum: Personal Consumer Issues
Topic: What won't you pay with Credit Card?
Replies: 77
Views: 12184

Re: What won't you pay with Credit Card?

The only things I use my credit card for are gas, and ordering things from Amazon.
by Jim180
Thu Mar 12, 2015 1:56 pm
Forum: Personal Consumer Issues
Topic: Ink Cartridges dry up on seldom used printer, any ideas?
Replies: 32
Views: 5313

Ink Cartridges dry up on seldom used printer, any ideas?

I have a HP Deskjet printer for home use. It is the kind that uses the very small printer cartridges. I seldom print anything but since this is tax time I decided to print copies of my tax forms. As usual, the cartridge was dried up. Obviously it makes no sense to buy new cartridges each time I need...
by Jim180
Sat Mar 07, 2015 10:47 am
Forum: Personal Consumer Issues
Topic: Proactively replace water heater?
Replies: 53
Views: 7742

Re: Proactively replace water heater?

I think you answered the key question to this decision when you said a major failure would cause thousands of dollars of damage. Get it replaced.
by Jim180
Sun Feb 22, 2015 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: The QQQ fund?
Replies: 25
Views: 3684

Re: The QQQ fund?

Whatever you do, don't buy QQQ and Apple TOGETHER. Apple already makes up 15% of the QQQ shares so buying both would make you way too heavy in Apple.
by Jim180
Thu Feb 19, 2015 10:06 am
Forum: Investing - Help with Personal Investments
Topic: Why does 10-year T note price change daily?
Replies: 3
Views: 655

Re: Why does 10-year T note price change daily?

Uncertainty about when the Fed will begin to raise rates, conflicting economic data, and volatility in stocks can all cause volatility in the 10-year Treasury price.
None of that should matter however to the long term investor.

Go to advanced search