Search found 711 matches

by N1CKV
Fri May 18, 2018 11:53 am
Forum: Personal Consumer Issues
Topic: Mitsubishi wall air conditioner
Replies: 34
Views: 1889

Re: Mitsubishi wall air conditioner

I believe the system type you are referring to is a "mini-split". There is several manufacturers of this system type. It is an excellent choice for a variety of needs. My parents have on on the "addition" on their house and it is very efficient and quiet, yet still easily keeps the area comfortable ...
by N1CKV
Fri May 18, 2018 11:49 am
Forum: Personal Consumer Issues
Topic: Moving to Texas - [Request for clothes, car window tint] recommendations
Replies: 33
Views: 1700

Re: Moving to Texas - [Request for clothes, car window tint] recommendations

I'm in Louisiana, so similar, but more humid climate. Clothing will depend on the corporate culture of your company. Most everyone is going towards "business casual", a golf shirt made of any performance fabric is low maintenance and comfortable, cotton khakis, etc. I actually wear boots (polished) ...
by N1CKV
Sat May 12, 2018 7:40 am
Forum: Personal Finance (Not Investing)
Topic: Move 11 month Ally CD (1.5%) to Ally Savings (1.6%)?
Replies: 5
Views: 1168

Re: Move 11 month Ally CD (1.5%) to Ally Savings (1.6%)?

The only thing that the No Penalty 11 Month Cd (currently) has to offer over the Savings account is that the rate is guaranteed. In my opinion, which could be wrong and is worth less than what you are paying for it, we are in a rising interest rate environment. I would cancel the 11 month CD and put...
by N1CKV
Wed May 09, 2018 3:45 pm
Forum: Personal Consumer Issues
Topic: Which cordless weed whacker to buy?
Replies: 49
Views: 3182

Re: Which cordless weed whacker to buy?

Silk McCue wrote:
Wed Mar 28, 2018 9:48 am
I bought this Kobalt 80v Trimmer from Lowes. Serious battery life and quick recharge.
https://www.lowes.com/pd/Kobalt-80-Volt ... r/50394980
I have the same one, I love it and I am generally against battery powered lawn equipment.
by N1CKV
Fri May 04, 2018 3:48 pm
Forum: Personal Consumer Issues
Topic: Growing Fruit Trees and Shrubs
Replies: 30
Views: 2366

Re: Growing Fruit Trees and Shrubs

Highly dependent on your region. My parents have tried plum trees, they were terrible because of the flowers and bugs they attracted. Currently they have a lemon and a Satsuma (orange variety), we are southern so citrus does well. The lemon tree has some nasty thorns, not the most pleasant feeling t...
by N1CKV
Fri May 04, 2018 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Auto accident - Totalled and Insurance questions
Replies: 8
Views: 762

Re: Auto accident - Totalled and Insurance questions

I assume she was not physically hurt? If there is any suspicion that an injury occurred do not sign any settlement that includes personal injury (they should be different settlements anyway). Moving past that, once you sign over the title for the vehicle you should contact your insurance company and...
by N1CKV
Wed May 02, 2018 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Flood Insurance
Replies: 24
Views: 1328

Re: Flood Insurance

It depends on how "not in a flood zone" you are. If you are 1 foot outside the FEMA line for the 1% annual chance flood, then worth it. If you are on top of a mountain, probably not. What would your opinion be for a house 2 feet above the FEMA line? In 2016 my house took on 3 feet of water, it is 2...
by N1CKV
Fri Apr 27, 2018 12:03 pm
Forum: Personal Consumer Issues
Topic: Learning to drive a stick [car with manual transmission]
Replies: 126
Views: 5735

Re: Learning to drive stick

After determining if you have the mechanical aptitude to understand what is happening between the engine and transmission, then I agree completely with the following: Honestly, the key to driving a manual is learning where the clutch engagement point is during the pedal travel. Every vehicle is slig...
by N1CKV
Thu Apr 26, 2018 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: The Paperless Life
Replies: 45
Views: 3994

Re: The Paperless Life

I follow the "Enron Method" of file management... If I am absolutely not required to retain it, I destroy it.
by N1CKV
Thu Apr 26, 2018 12:37 pm
Forum: Personal Consumer Issues
Topic: New car pickup today.
Replies: 48
Views: 3177

Re: New car pickup today.

nitrogen filled tires lose air less quickly FWIW in theory... that is not an untrue statement but: What is the purity of the nitrogen being pumped in to the tire? Are they pumping out/ purging the ambient air that is in the tire when mounted? As previously stated, the natural air you breath is alre...
by N1CKV
Wed Apr 25, 2018 12:27 pm
Forum: Personal Consumer Issues
Topic: New car pickup today.
Replies: 48
Views: 3177

Re: New car pickup today.

I just bought a vehicle a week and a half ago. They are now pushing "nitrogen filled tires".... you should call b.s. the air you breathe is 78% nitrogen. You are paying a couple hundred bucks for some fancy green valve stem cap. They also wanted to sell the VIN etching. If your insurer offers a disc...
by N1CKV
Thu Apr 12, 2018 7:32 am
Forum: Personal Finance (Not Investing)
Topic: My PCP Won't See Me After Auto Accident - How to Handle With Insurance Company?
Replies: 39
Views: 4018

Re: My PCP Won't See Me After Auto Accident - How to Handle With Insurance Company?

I would find a new PCP.

This may be state dependent. I have some experience with this and never had an issue with any physician and I don't have a dedicated PCP that I see other than when issues arise.
by N1CKV
Wed Apr 11, 2018 7:41 am
Forum: Investing - Help with Personal Investments
Topic: Alternative website for those in lower tax brackets?
Replies: 59
Views: 5492

Re: Alternative website for those in lower tax brackets?

livesoft wrote:
Tue Apr 10, 2018 1:41 pm
And if one doesn't start threads for those in lower tax brackets, then whose fault is that? :)
This needs to be repeated. It is exactly my thoughts.
I don't want to sound rude, but really the forums here are responsive with great information if you just ASK.
by N1CKV
Fri Apr 06, 2018 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: What type of loan? [until funds received from estate settlement]
Replies: 16
Views: 1246

Re: What type of loan?

Can you get the Executor of the Estate to give you an advance on the inheritance in the amount needed? Or perhaps they can give you a low interest loan through the estate? Another idea: if you have a vehicle with title in hand you can get a title loan. 0% Introductory APR on a credit card the charge...
by N1CKV
Wed Apr 04, 2018 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: flood and earthquake insurance for house
Replies: 15
Views: 1130

Re: flood and earthquake insurance for house

My house is not in a flood zone (well, technically everything has a zone, mine is "Zone X"). My elevation was built to be 2 feet above the record flood. In 2016 a sub-tropical low sat over my region and pounded us with rain. The results were ~3 feet of water in my house. Take a minute and look aroun...
by N1CKV
Mon Apr 02, 2018 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Planning to trade car with my friend. Need bogleheads' wisdom
Replies: 22
Views: 1918

Re: Planning to trade car with my friend. Need bogleheads' wisdom

Title both of the cars to separate LLCs. Swap LLCs. Actually, the best route might be to have an attorney familiar with contracts review both purchase contracts and find a solution. Also, just because someone writes the check doesn't mean that they have their name on the title. I wrote the check for...
by N1CKV
Wed Mar 28, 2018 7:53 am
Forum: Personal Finance (Not Investing)
Topic: To sell or keep? [a rental house]
Replies: 12
Views: 1182

Re: To sell or keep?

Sell it now. Take the tax free capital gains. If you are inclined to be a landlord you can go buy another rental with the proceeds (I doubt that you will, and this tells you that selling was the right choice for more reasons than just the tax free capital gains). Paying off the student loans is a se...
by N1CKV
Thu Mar 22, 2018 2:08 pm
Forum: Personal Consumer Issues
Topic: Your favorite Florida beach??
Replies: 52
Views: 4959

Re: Your favorite Florida beach??

We did Destin (area) for our honeymoon a few years back. We actually stayed in Miramar Beach, which is a little less crowded than Destin proper, but connected seamlessly. Destin activities were a short car ride away, the free parking at the boardwalk in Destin was nice. There was an outlet mall near...
by N1CKV
Thu Mar 22, 2018 1:45 pm
Forum: Personal Consumer Issues
Topic: How can I get a passport?
Replies: 64
Views: 5714

Re: How can I get a passport?

Mine was easy. My local Clerk of Court office accepts them at multiple locations. They had all of the info on their website. They would do pictures and everything for a very reasonable fee, they didn't take checks for this service - cash or money order; or a credit card with an additional processing...
by N1CKV
Sat Mar 10, 2018 9:25 am
Forum: Personal Consumer Issues
Topic: Garage door extra remote solution
Replies: 15
Views: 1570

Re: Garage door extra remote solution

Why do you want a key chain garage remote? Are you using the remote when you go out for runs or bike rides or neighbor visits? I put in a wireless keypad remote that works great. No need for any remote. Just punch in the number and the door opens. See here. https://www.amazon.com/Chamberlain-KLIK2U...
by N1CKV
Tue Mar 06, 2018 4:02 pm
Forum: Personal Consumer Issues
Topic: Is just my smart phone this dumb?!
Replies: 15
Views: 2099

Re: Is just my smart phone this dumb?!

One of the great features of Android OS is the ability to change keyboards.
I prefer Gboard (Google's Keyboard)
by N1CKV
Thu Mar 01, 2018 12:12 pm
Forum: Personal Consumer Issues
Topic: Google Pixel 2 Users-Experience So Far?
Replies: 37
Views: 2620

Re: Google Pixel 2 Users-Experience So Far?

I went from a Nexus 5X -> Samsung S7 -> Essential PH1 -> Pixel 2 I loved the 5X, until it went in to the dreaded bootloop The S7 was a nightmare. Defective out of the box restarting itself, Samsung eventually fixed it, but I never "loved" the phone. Battery life stunk. In the interim with the S7 I d...
by N1CKV
Wed Feb 28, 2018 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: New vehicle research
Replies: 48
Views: 3568

Re: New vehicle research

I have been looking at the mid-size truck segment and threw Toyota out of the running because they refuse to play nicely with Android Auto/ Apple Car Play. I will have navigation, I am interested in an OEM nav. system that is out dated by the time it comes off of the lot nor do I want to pay for yet...
by N1CKV
Wed Feb 28, 2018 9:46 am
Forum: Personal Finance (Not Investing)
Topic: "FREE" Employer Group Life - Really Costs You !
Replies: 52
Views: 4335

Re: "FREE" Employer Group Life - Really Costs You !

It is interesting to me that people would opt out of a life insurance benefit. Dying seems like a major negative loss to me, and getting paid a huge sum of cash is a way to make a bad situation better. I would opt out if I were offered this product. I do not have any optional life insurance. For me...
by N1CKV
Wed Feb 28, 2018 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Adult adding a parent as joint holder on first credit card
Replies: 5
Views: 326

Re: Adult adding a parent as joint holder on first credit card

1.) No. There is no reason to have your mother as an authorized user on your account. 2.) Get as much credit as you they can approve you for. Normally you do not get to ask for an initial limit, it is assigned. Later you can ask for increases, but if they are asking just tell them, "as much as I qua...
by N1CKV
Tue Feb 27, 2018 10:55 am
Forum: Personal Consumer Issues
Topic: Deer Garden Damage Prevention
Replies: 36
Views: 2235

Re: Deer Garden Damage Prevention

jibantik wrote:
Mon Feb 26, 2018 7:10 pm
Crossbow :D
That was my thought. You are raising your own free range organic red meat. Might as well enjoy it.
by N1CKV
Thu Feb 22, 2018 3:47 pm
Forum: Personal Consumer Issues
Topic: Boglehead Flashlight?
Replies: 65
Views: 5321

Re: Boglehead Flashlight?

There is a lot of cheap bright lights such as the one mentioned above. I have found that those cheaper lights do not seem to last / have the durability I need. I deer hunt and absolutely must have a working light when deep in the woods. I personally use a Surefire G2X Pro. It is extremely durable, u...
by N1CKV
Fri Feb 16, 2018 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: How to get child's skin in the game for college?
Replies: 135
Views: 7162

Re: How to get child's skin in the game for college?

My "Skin in the game" was this: I moved out from Mom and Dad's house. They gave me food just about every weekend when I visited. They told me that they would pay for my liability car insurance (on a car I bought) as long as I kept a reasonable driving record and a reasonable vehicle. With the above ...
by N1CKV
Mon Feb 12, 2018 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Waiting to execute on financial plans
Replies: 5
Views: 717

Re: Waiting to execute on financial plans

I have the same issue. I use a spreadsheet to project accounts far in to the future. I even have my checking account projected as far as a year forward. I watch as things come through, usually right around expectations, and I know what the next step is and I just can't wait to complete it. I just wa...
by N1CKV
Fri Feb 09, 2018 9:01 am
Forum: Personal Finance (Not Investing)
Topic: How Do You Discuss Starting Time when You Get a Job Offer
Replies: 29
Views: 2282

Re: How Do You Discuss Starting Time when You Get a Job Offer

Different offices will have different policies. Recognizing that: In my office it would be appropriate to inquire about the availability of flex schedules during the interview (yes, they are available); however a new hire is not eligible to participate in the flex schedule until after the 6 month pr...
by N1CKV
Mon Feb 05, 2018 4:18 pm
Forum: Personal Consumer Issues
Topic: Substitute for taking a shower?
Replies: 64
Views: 6809

Re: Substitute for taking a shower?

Wipes would work between showers and let you go longer between. Also consider showering differently. Quick rinse, turn the water off. Soap up. Turn the water on and rinse off. Showers are typically 2 gallons per minute or less. If you can rinse in 1-2 minutes, you're not using much of your 13 gallo...
by N1CKV
Tue Jan 30, 2018 4:10 pm
Forum: Personal Consumer Issues
Topic: Bathroom Remodel Question
Replies: 10
Views: 1605

Re: Bathroom Remodel Question

What you chose now may be dictated by what will fit your current counter. You also might decide on another finish color in the planning stage of the remodel. I would choose something cheaper for now, which will likely last plenty to hold you over on an eminent remodel. Rarely is a faucet broken to t...
by N1CKV
Tue Jan 30, 2018 3:53 pm
Forum: Personal Consumer Issues
Topic: Selling a home yourself after cancelation of Realtor listing:
Replies: 18
Views: 1900

Re: Selling a home yourself after cancelation of Realtor listing:

Perhaps move forward with your plan to list FSBO, if you receive an offer then request that they complete a simple survey before you make a decision. That survey would include the question: Where and when did you first learn about this home being available? Require a signature on that survey. Done. ...
by N1CKV
Tue Jan 30, 2018 3:20 pm
Forum: Personal Consumer Issues
Topic: Your shopping strategy for new tires?
Replies: 154
Views: 13824

Re: Your shopping strategy for new tires?

I used to sell tires... Back in college I was a service technician, after college I was briefly a Service Manager (until I got a job in the field of my education). I shop on price, quality tires only. Never used tires unless it is a "hold me over" until I was ready to replace the entire set. Some br...
by N1CKV
Fri Jan 26, 2018 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Are 100-year old homes junk?
Replies: 62
Views: 2530

Re: Are 100-year old homes junk?

The original poster obviously does not see the value of the house in the ideal location. People buying the house (the competition that sets the market rate) are either willing to tolerate the possible inadequacies of the home or are willing to invest even more in ensuring the proper upgrades are in ...
by N1CKV
Fri Jan 26, 2018 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Are 100-year old homes junk?
Replies: 62
Views: 2530

Re: Are 100-year old homes junk?

How can you be sure that every outlet is designed to handle the load you put into it. For example, if I plug an iron into an outlet, is the circuit designed for it? Or were the outlets added willy-nilly by someone in the past? If you don't know how to figure that out, research it and learn. Much li...
by N1CKV
Fri Jan 26, 2018 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: ID theft and check cashing fraud
Replies: 97
Views: 6669

Re: ID theft and check cashing fraud

CarMax sent him certified mail claiming they found no evidence of identity theft and asking him to sign an affidavit. The paperwork included the last 4 numbers of 2 VINs for a contract supposedly signed on 1/6. So, it would appear the thief may actually have financed 2 cars in his name, contrary to...
by N1CKV
Wed Jan 24, 2018 10:38 am
Forum: Personal Finance (Not Investing)
Topic: 3% 24 month CD at US Postal Service CU - easy membership IRA's only
Replies: 6
Views: 915

Re: 3% 24 month CD at US Postal Service CU - easy membership

Looks like it is only for IRAs. I have no interest at this time to hold IRA funds in a CD.
by N1CKV
Tue Jan 23, 2018 10:52 am
Forum: Personal Consumer Issues
Topic: Lawn service etiquette
Replies: 36
Views: 3868

Re: Lawn service etiquette

The information below is my opinion, but keep in mind I have never paid for such a service and do my own lawn care. What does your contract say? I am assuming there is no formal contract: I would definitely have a conversation about it to share your concerns. Be careful to not put them on the defens...
by N1CKV
Fri Jan 05, 2018 3:57 pm
Forum: Personal Consumer Issues
Topic: Appliance Install Issues
Replies: 40
Views: 2209

Re: Appliance Install Issues

The microwave draws too much power to put it on a partially used 15 amp kitchen line. Actually National Electric Code doesn't permit outlets do be 15 amps in a kitchen (or bathroom), it should be a 20 amp circuit. It draws too much power to leave it plugged into the refrigerator circuit. Correct. E...
by N1CKV
Wed Jan 03, 2018 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Keeping a checkbook register
Replies: 95
Views: 6388

Re: Keeping a checkbook register

I keep a Google Spreadsheet (Google Sheets) that functions as my "checkbook register". There is a tab for each of my accounts that looks pretty much exactly like a classic register. I start a new tab every year to avoid clutter and hide the prior year tab. Looking now I have been doing this since 20...
by N1CKV
Fri Dec 15, 2017 2:16 pm
Forum: Personal Consumer Issues
Topic: Progressive Insurance
Replies: 22
Views: 1892

Re: Progressive Insurance

I had Progressive for quite a while. I had several instances over the years where I had to deal with them and it was borderline pleasant to deal with them. They treated me and my problem like it was the most important thing they had to do. They were on friendly terms with the local car rental office...
by N1CKV
Thu Dec 14, 2017 10:16 am
Forum: Personal Finance (Not Investing)
Topic: State Farm Insurance, Time to Leave
Replies: 63
Views: 7062

Re: State Farm Insurance, Time to Leave

For the original question: Check them all directly and check with an independent agent. My independent agent was able to get me a better rate through Progressive than I could get directly. They also know who is giving the best rates to a person in your particular position (lately...). They have acce...
by N1CKV
Mon Dec 11, 2017 11:13 am
Forum: Personal Finance (Not Investing)
Topic: CPA: The best profession if you want to make the most money + keep the most money?
Replies: 62
Views: 7331

Re: CPA: The best profession if you want to make the most money + keep the most money?

Do something that you are passionate about and that interests you. I have a degree in Accounting. They changed the requisites to sit for the CPA right before I was eligible. Moving the finish line on me like that aggravated me to the point that I didn't even bother (I need another 15 hrs., of which ...
by N1CKV
Wed Dec 06, 2017 3:23 pm
Forum: Personal Consumer Issues
Topic: Inexpensive way to ship heavy item...
Replies: 23
Views: 2056

Re: Inexpensive way to ship heavy item...

One option is, if the seller is willing to pick the item up locally instead of doorstep delivery, you can ship by Greyhound bus. Greyhound busses accept packages/ small freight and can ship from any terminal to another. It is not a fast process and the recipient will have to go to their local termin...
by N1CKV
Thu Nov 30, 2017 5:10 pm
Forum: Personal Consumer Issues
Topic: Negotiating used car - Toyota Highlander
Replies: 32
Views: 2447

Re: Negotiating used car - Toyota Highlander

I have been getting that same result from multiple dealers. I have followed up with a phone call and visited the dealer. They didn't offer quite enough for my trade and refused to budge on the price from what was listed online. The price "on the lot" window sticker was about $2,000 more. This is loo...
by N1CKV
Wed Nov 22, 2017 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Discover Card Change in Terms
Replies: 28
Views: 3096

Re: Discover Card Change in Terms

I closed my Discover card earlier this year because of a dispute with an Amazon 3rd part seller that Discover just did not seem to get a grip on what happened. Their "fraud protection" protected and perpetuated the fraudster. I want nothing to do with a company that brags on their fraud protection a...
by N1CKV
Mon Oct 30, 2017 8:38 am
Forum: Personal Consumer Issues
Topic: Buying a Home in a 500 year Flood Plain
Replies: 32
Views: 2031

Re: Buying a Home in a 500 year Flood Plain

I would buy the house, purchasing flood insurance would be a toss up. The best rating you can have is a "500 yr floodplain". Most that would fit in that category have either not had a flood determination or not paid attention to it because they were just told "flood insurance is not required". https...
by N1CKV
Mon Oct 30, 2017 7:56 am
Forum: Personal Finance (Not Investing)
Topic: Pay off the car or not?
Replies: 25
Views: 2421

Re: Pay off the car or not?

It's just so hard to let go of so much money at once cuz it takes a while to accumulate that much, that is why I asked what you all would do. This statement tells me you need to take a step back and re-think how you spend money. YOU ALREADY SPENT THIS MONEY. Any time you finance something you are s...
by N1CKV
Fri Oct 27, 2017 11:18 am
Forum: Personal Consumer Issues
Topic: Any FL residents with a dash-cam?
Replies: 13
Views: 1977

Re: Any FL residents with a dash-cam?

What is the use for a dash cam? I had an instance where another driver thought that the rules of physics didn't apply to her and that her vehicle and my vehicle could be in the same place at the same time. She merged into my front end with her rear quarter panel. I had video for my defense when she...