Search found 456 matches

by Luke Duke
Thu Jul 28, 2016 12:52 pm
Forum: Personal Consumer Issues
Topic: 50 gal gas water heater replacement
Replies: 15
Views: 1569

Re: 50 gal gas water heater replacement

Often times the only difference between a water heater with a 6yr warranty vs one with a 9 or 12 yr warranty is the anode. The longer warranty heaters have more anode material. You can buy anodes online and replace them yourself. Don't get a Whirlpool https://www.consumeraffairs.com/homeowners/whirl...
by Luke Duke
Wed Jul 20, 2016 1:48 pm
Forum: Personal Consumer Issues
Topic: Car totaled, no collision insurance
Replies: 71
Views: 5658

Re: Car totaled, no collision insurance

sport wrote:
Cindyjrn wrote:
sport wrote:In my state that type of accident would be covered by comprehensive, not collision.


Really? It's not like the antelope ran into his car while it was parked in his driveway.

In my state, damage caused by animal collisions is defined as covered by comprehensive.


Texas is this way too.
by Luke Duke
Fri Jul 15, 2016 9:23 am
Forum: Personal Consumer Issues
Topic: Power surge protector for tv, soundbar??
Replies: 30
Views: 1721

Re: Power surge protector for tv, soundbar??

I also installed one of these a couple of months ago. It probably took me more time to gather my tools than it did to install it. My panel is surface mounted and very accessible. If you have a recessed panel, installation will be more involved.

http://www.amazon.com/gp/product/B01AQAKRSS/
by Luke Duke
Fri Jul 15, 2016 8:57 am
Forum: Personal Consumer Issues
Topic: Power surge protector for tv, soundbar??
Replies: 30
Views: 1721

Re: Power surge protector for tv, soundbar??

Get one of these. They allow you to use any surge protector that you want and still mount your TV close to the wall.

http://www.monoprice.com/product?c_id=1 ... 1&format=2
by Luke Duke
Fri Jul 08, 2016 1:03 pm
Forum: Personal Consumer Issues
Topic: synthetic oil changes
Replies: 134
Views: 8292

Re: synthetic oil changes

3. 99.9% of us on this forum aren't professional financial advisors, yet we all dole out financial advice to novice bogleheads. The difference is that the financial advice typically given on this site is backed by simple math. The oil-related advice typically given on this site is backed by the opi...
by Luke Duke
Tue Jun 28, 2016 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Please help! Buyer's remorse, need advice
Replies: 104
Views: 10721

Re: Please help! Buyer's remorse, need advice

I appreciate all who have read and have helped comment. Well, many people here love the trucks with bigger tires and wheels, so that might do well privately. As far as trade, best I've been offered is 30k, no thanks. Just got approved now with credit union to refi and they waived the $70 processing...
by Luke Duke
Fri Jun 24, 2016 10:07 am
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 251
Views: 20451

Re: Flaunt Your High-Mileage Car

2003 Ford Excursion - 190K
Bought in 2011 with 130K

2004 Toyota Highlander - 233K
Bought new
by Luke Duke
Mon Jun 13, 2016 2:59 pm
Forum: Personal Consumer Issues
Topic: Recommendations for Dallas BBQ/TexMex Restaurants
Replies: 51
Views: 2525

Re: Recommendations for Dallas BBQ/TexMex Restaurants

Last night I went to a suggested BBQ place to try it. I went to Hard 8. I was NOT impressed. No "plate" meals, only per lb meats with almost all the veggies extra (beans came with the meal). Most "authentic" BBQ restaurants sell their food this way. The most shocking was how muc...
by Luke Duke
Fri Jun 10, 2016 10:52 am
Forum: Personal Consumer Issues
Topic: Is it worth it for us to purchase an umbrella policy?
Replies: 47
Views: 4136

Re: Is it worth it for us to purchase an umbrella policy?

Silence Dogood wrote:It seems odd to me that the umbrella policy would cost more than the renters policy.


You can't really compare the two. Your renter's policy is probably for <$25K and the umbrella is for 7 figures. The renter's is also much more likely to be used.
by Luke Duke
Fri Jun 10, 2016 10:43 am
Forum: Personal Consumer Issues
Topic: Your shopping strategy for new tires?
Replies: 123
Views: 7373

Re: Your shopping strategy for new tires?

My strategy: Go to discounttire.com and find the tires that I want. Make an appointment. Go and get my tires. I value the service that I receive at Discount much more than saving $5/tire and ordering a tire online and dealing with a separate installer. I don't wait for a sale. I get new tires when I...
by Luke Duke
Tue Jun 07, 2016 12:56 pm
Forum: Personal Consumer Issues
Topic: Recommendations for Dallas BBQ/TexMex Restaurants
Replies: 51
Views: 2525

Re: Recommendations for Dallas BBQ/TexMex Restaurants

TheTimeLord wrote:Rudy's BBQ


What? You are recommending chain BBQ to a tourist? I happen to believe that it is the best chain BBQ place that I've ever been to, but it is still chain BBQ.

Pecan Lodge, Lockhart and Slow Bone appear in every top-5 Dallas BBQ list. Try one of those.
by Luke Duke
Mon Jun 06, 2016 4:20 pm
Forum: Personal Consumer Issues
Topic: Vehicle for tall person and rear-facing child car seat?
Replies: 22
Views: 1345

Re: Vehicle for tall person and rear-facing child car seat?

flyingbison wrote:Just put the car seat on the passenger side of the vehicle, so it doesn't interfere with the driver's seat.


My thoughts as well. You would need a full-sized SUV or a 4 door mega cab pickup to put a rear facing seat behind a 6'8" driver. And that might still be pushing it.
by Luke Duke
Wed Jun 01, 2016 9:27 am
Forum: Personal Consumer Issues
Topic: Insulating the attic
Replies: 26
Views: 2044

Re: Insulating the attic

You could blow in cellulose with two people - one loading the hopper, the other spraying in the attic. You'll get totally covered in dust, but it's painless effort. And it goes fairly quickly. You can put is as much or as little as you want. Lot cheaper than fiberglass, and easier. Do seal leaks fi...
by Luke Duke
Wed Jun 01, 2016 9:25 am
Forum: Personal Consumer Issues
Topic: Looking to buy a golf cart
Replies: 15
Views: 1541

Re: Looking to buy a golf cart

That doesn't sound like a bad price. I have an electric cart that I enjoy driving around the neighborhood. The main downside to an electric cart is that every 4-6 years you are going to spend $6-700 on batteries. I would recommend visiting http://www.buggiesgonewild.com/
by Luke Duke
Thu May 26, 2016 10:23 am
Forum: Investing - Help with Personal Investments
Topic: We are late starters, curious how aggressive others would be to catch up
Replies: 13
Views: 2452

Re: We are late starters, curious how aggressive others would be to catch up

1. I would think long and hard about becoming a landlord.
2. I think that you are fine at your current savings rate.
by Luke Duke
Tue May 24, 2016 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: 2 Big Companies merging = no severance package?
Replies: 24
Views: 2265

Re: 2 Big Companies merging = no severance package?

I would guess that you will keep your seniority and your severance policy will change to whatever it is at the new company. I wouldn't count on it being 1mo/yr.
by Luke Duke
Tue May 24, 2016 12:11 pm
Forum: Personal Consumer Issues
Topic: Advice w/ 62YO Mom Moving In - Rent? Resentment? Plans? (Update, Pg 2)
Replies: 101
Views: 8923

Re: Advice w/ 62YO Mom Moving In - Rent? Resentment? Plans?

7. Other siblings? if so, try to "involve" them to some degree at least. Yes, several. No way to say this without sounding horribly pompous, but I have always been the one to think about my parent's situation. It has pained me for many years. I have gotten very little input over the last ...
by Luke Duke
Fri May 20, 2016 2:57 pm
Forum: Personal Consumer Issues
Topic: Food waste because of date labeling
Replies: 26
Views: 1714

Re: Food waste because of date labeling

I am very sensitive to the expiration date for items like milk, meat, and produce but I have some Planters Dry Roasted Unsalted Peanuts (stocked up when they were 2 for price of one) more than a year past the expiration date and they taste great. The tops are sealed and once I break the seal I eat ...
by Luke Duke
Tue May 17, 2016 8:39 am
Forum: Personal Consumer Issues
Topic: College - In state - Children staying close to parents
Replies: 54
Views: 2947

Re: College - In state - Children staying close to parents

Do the following assumptions make sense? Assume college rankings and career options are similar in state and far away states. If the children go to in state versus far away states college. They would be close to parents during college for approximately six years including graduate school. There are...
by Luke Duke
Tue May 10, 2016 2:10 pm
Forum: Personal Consumer Issues
Topic: Any Woodturners?
Replies: 8
Views: 1297

Re: Any Woodturners?

Looking to get into using a lathe/woodturning. Two primary things I want to accomplish: make a baseball bat, and make plugs for surfcasting. Have very little general woodworking knowledge. Does anyone use a lathe on the board? Decent ones are much more expensive than I thought, are there any makes ...
by Luke Duke
Tue May 10, 2016 2:04 pm
Forum: Investing - Help with Personal Investments
Topic: 26 y/o with ~$175,000 inheritence
Replies: 40
Views: 6970

Re: 26 y/o with ~$175,000 inheritence

you and your girlfriend should save up the money together to buy a place if things get more serious. That way it will feel like you are truly building a life together. Yes x1000. I don't know the laws in MA, but if you two get married, commingle the finds and end up getting a divorce, she could get...
by Luke Duke
Tue May 10, 2016 10:46 am
Forum: Personal Consumer Issues
Topic: Drill chuck only accepts 1/4" hex bits
Replies: 17
Views: 1284

Re: Drill chuck only accepts 1/4" hex bits

Return it.
by Luke Duke
Sun May 01, 2016 1:48 pm
Forum: Personal Consumer Issues
Topic: Best drill/driver for home use
Replies: 67
Views: 4873

Re: Best drill/driver for home use

Questions: 1. Is having a separate impact driver worth the extra $40 ? Or should one tool be sufficient? 2. Do you think that these models are sufficient for the typical homeowner for occasional DIY tasks? Reviews (consumersearch.com, sweethome, etc) seem to suggest the answer is yes. For more dema...
by Luke Duke
Fri Apr 22, 2016 9:13 am
Forum: Personal Consumer Issues
Topic: Selling a house with solar panels
Replies: 38
Views: 4237

Re: Selling a house with solar panels

giesen5 wrote:I should have been more clear. I am talking about owning the panels, not Solar City lease.


I would definitely leave your last year's electric bills out in a visible location whenever there is a showing.
by Luke Duke
Tue Apr 05, 2016 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Life Insurance For Newborn?
Replies: 49
Views: 3430

Re: Life Insurance For Newborn?

It would make sense to get insurance on a newborn, if you have reason to believe you'd have costs you couldn't cashflow in the event of the child's death or if you believe it is reasonably likely that the stress of losing a child would severely negatively impact your future earning potential. In ot...
by Luke Duke
Tue Apr 05, 2016 9:26 am
Forum: Personal Consumer Issues
Topic: Tuxedo rental for prom?
Replies: 24
Views: 1806

Re: Tuxedo rental for prom?

Buying a tux of a 17 or 18 year old is pretty silly. There is almost no chance that it will fit him in a year or two. Agreed, unless you are certain that he will go the Greek route in college. If so, then he might get a couple of more uses out of it before he out grows it. Otherwise putting on 20-4...
by Luke Duke
Wed Mar 30, 2016 12:34 pm
Forum: Personal Consumer Issues
Topic: Pod moving and storage recommendations?
Replies: 17
Views: 1608

Re: Pod moving and storage recommendations?

This exactly. If the move is paid for by someone else, let the movers handle everything. When we did it, they packed, crated up the TV, moved, stored, unpacked, put the furniture back together, hauled off the boxes, and wrote us a check for anything that was missing or damaged. The only thing I had...
by Luke Duke
Wed Mar 30, 2016 9:19 am
Forum: Personal Consumer Issues
Topic: Bro Trip suggestions?
Replies: 58
Views: 4203

Re: Bro Trip suggestions?

kamo wrote:Good ideas re ball games, but likely we'll do it Oct-Nov time period. And we're not big enough fans to pay playoff/World Series prices.


College football game. Either go to one of the big rivalry games or one of the big team's home stadium. Texas, LSU, Michigan, Alabama, etc.
by Luke Duke
Wed Mar 16, 2016 8:52 am
Forum: Personal Consumer Issues
Topic: Liability of hiring guys standing front of home improvement stores
Replies: 32
Views: 5663

Re: Liability of hiring guys standing front of home improvement stores

There's liablity in everything these days. But the odds are beyond small in this case. If it were me, I'd hire them for a decent wage and buy them lunch. My thoughts as well. I'd be more concerned with the quality of work they provide than any liability issue. I never use them for any "skilled...
by Luke Duke
Wed Mar 16, 2016 8:46 am
Forum: Personal Consumer Issues
Topic: Any suggestions for cooling solution for Florida garage?
Replies: 21
Views: 1704

Re: Any suggestions for cooling solution for Florida garage?

I remember painting our SoFla garage getting ready for resale- it was during what passed for cooler weather and it was still so humid that the paint wouldn't even stick to the walls. We were dripping, the walls were peeling- it was a mess. And that was with the garage door open, the exterior door o...
by Luke Duke
Fri Feb 26, 2016 1:54 pm
Forum: Personal Consumer Issues
Topic: APC Smart-UPS won't run with $1400 Generac
Replies: 23
Views: 1675

Re: APC Smart-UPS won't run with $1400 Generac

1) New inverter generator: For the UPS only, running an extension cord out the study window. Honda EU2000I portable inverter generator rated 1600W for ~$1000. Overkill? 1600W generator for max 1320 load ? 900w generators are around $800. Doubt I would ever peg the UPS, but I have no idea of the pow...
by Luke Duke
Mon Feb 22, 2016 1:47 pm
Forum: Personal Consumer Issues
Topic: Leave Thermostat Alone or Adjust It?
Replies: 81
Views: 5623

Re: Leave Thermostat Alone or Adjust It?

There are a lot of Bogleheads that do not understand thermodynamics/heat transfer.
by Luke Duke
Thu Feb 11, 2016 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Tips on how to get the most of my yearly performance review?
Replies: 28
Views: 3243

Re: Tips on how to get the most of my yearly performance review?

I have been in engineering and engineering management for nearly 20 years. Performance reviews are just theatre. The decisions have already been made and in most cases they are made without any thought to your performance. This has been my experience: -The company decides on a company wide pay incr...
by Luke Duke
Tue Feb 09, 2016 10:04 am
Forum: Personal Consumer Issues
Topic: Sell truck and buy SUV?
Replies: 44
Views: 3516

Re: Sell truck and buy SUV?

Weird that you're okay with a Tundra but think a Sequoia size SUV is too big. We're very happy with our sequoia and may soon own two. It pulls my boat just fine. If the hill is really steep (6% grade at 7000 feet) It'll slow down to 50 while hauling 5000-7000 lbs behind it. A big diesel truck is go...
by Luke Duke
Tue Feb 09, 2016 9:45 am
Forum: Personal Consumer Issues
Topic: Setting up Internet for a newly constructed house
Replies: 18
Views: 1714

Re: Setting up Internet for a newly constructed house

I'd run Ethernet cable to every room. Cat6 is probably overkill today unless you plan to move lots of data within your house, otherwise your Internet connection will be the limiting factor, and Cat5e should be enough. Ten or twenty years from now, of course, maybe it'll matter, and cable is cheap c...
by Luke Duke
Mon Feb 08, 2016 1:26 pm
Forum: Personal Consumer Issues
Topic: Sell truck and buy SUV?
Replies: 44
Views: 3516

Re: Sell truck and buy SUV?

I had a truck for the past 25 yrs and decided I wanted an SUV. My "replacement" for the truck was a folding 4x8' trailer for $210 from Harbor Freight. I'm able to store it in my basement and it only takes about 10 mins. to set up. A bit more bother than having a truck but it works for me....
by Luke Duke
Wed Feb 03, 2016 11:17 am
Forum: Personal Finance (Not Investing)
Topic: What do you pay per year for daycare?
Replies: 33
Views: 1526

Re: What do you pay per year for daycare?

Between $12K-13K/yr for two kids full-time. I'm in Dallas.
by Luke Duke
Mon Jan 25, 2016 10:21 am
Forum: Personal Consumer Issues
Topic: Is Nitrogen better than air?
Replies: 86
Views: 10468

Re: Is Nitrogen better than air?

Your tire pressure will not be more "constant" either. PV = nRT. Remember that? It doesn't matter whether you have air, oxygen, argon, helium, xenon, or nitrogen: the pressure change is the EXACT same for a given temperature change. So the first paragraph of the article is myth. The "...
by Luke Duke
Fri Jan 22, 2016 3:02 pm
Forum: Personal Consumer Issues
Topic: How to get customers for a cleaning service?
Replies: 15
Views: 1285

Re: How to get customers for a cleaning service?

tc101 wrote:Maybe the way a cleaning service grows is by referrals, because everyone is nervous about strangers coming in their house.


This x100. Every cleaning lady that we've ever had has been referred to us by a close friend/family member.
by Luke Duke
Fri Jan 22, 2016 2:56 pm
Forum: Personal Consumer Issues
Topic: Car tire replacement
Replies: 45
Views: 3686

Re: Car tire replacement

Discount Tire all the way.
by Luke Duke
Thu Jan 21, 2016 4:43 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime: doing the math...is it worth it?
Replies: 92
Views: 8973

Re: Amazon Prime: doing the math...is it worth it?

Not true...walmart price matches amazon. This is one of the reasons I ditched prime a while ago. All the major stores around me now price match amazon...no point in 2 day shipping. It takes a couple minutes to run to the store and get the merchandise. In that amount of time I would have been watchi...
by Luke Duke
Thu Jan 21, 2016 12:08 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime: doing the math...is it worth it?
Replies: 92
Views: 8973

Re: Amazon Prime: doing the math...is it worth it?

It is worth it for me. Between my wife and I we probably have 100 transactions/yr. The kids watch several shows. My wife has a Kindle. This past Christmas I didn't have to go to a single store for a present. For the first time ever I did not hear anyone ringing a Salvation Army bell during the month...
by Luke Duke
Wed Jan 20, 2016 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: Please help me decide if buying my first house is smart financially?
Replies: 29
Views: 2604

Re: Please help me decide if buying my first house is smart financially?

Original poster here, here's my response to all the posts in this thread. 5) What I don't understand is how the financial aspect isn't clear. My $1,800/mo is going down the drain currently. Even if my mortgage were $2,500/mo, I'd be essentially paying it to myself. Towards an asset. I'm giving the ...
by Luke Duke
Wed Jan 20, 2016 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: What is the better strategy? Daily/weekly or monthly purchase of index fund
Replies: 13
Views: 1328

Re: What is the better strategy? Daily/weekly or monthly purchase of index fund

avenger wrote:Otherwise, 2/3rds of the time, lump sum pays off better than DCA.


That's only if you lump sum at the beginning. Saving your money up for a year and then investing it at the end of the year wouldn't normally be better.
by Luke Duke
Wed Jan 20, 2016 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: 401k withdrawl prior to divorce
Replies: 8
Views: 1296

Re: 401k withdrawl prior to divorce

A lot of plans do not allow prepayment on loans unless you pay the loan in full. You need to read your plan's loan document to confirm. Also, the available amount is determined by the loan document as well. You are limited to 50% of your vested account balance This is how mine works. I think that t...
by Luke Duke
Tue Jan 19, 2016 11:57 am
Forum: Personal Consumer Issues
Topic: Home automation experts
Replies: 14
Views: 1682

Re: Home automation experts

Here's a link to a home automation forum
http://cocoontech.com/forums/
by Luke Duke
Tue Jan 19, 2016 11:56 am
Forum: Personal Consumer Issues
Topic: Pizza Stone / Homemade Pizza Advice
Replies: 58
Views: 4875

Re: Pizza Stone / Homemade Pizza Advice

I use this stone http://www.amazon.com/gp/product/B0000E19MW This is a good book. The dough and sauce recipes are good. http://www.amazon.com/gp/product/1580084222 I cheat and use one of these. It was much cheaper 4 years ago when I bought it. They work very well. http://www.amazon.com/gp/product/B0...

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