Search found 118 matches

by RMO87
Sat Aug 06, 2016 2:53 pm
Forum: Personal Consumer Issues
Topic: Swimming pool repair, cleaning issues
Replies: 25
Views: 1592

Re: Swimming pool repair, cleaning issues

When I had a pool, I found the boards at poolsolutions.com very helpful.
by RMO87
Sat Jul 23, 2016 2:02 pm
Forum: Personal Consumer Issues
Topic: Car Insurance - Question
Replies: 2
Views: 299

Car Insurance - Question

I received my State Farm policy renewal today and noticed something that I was curious about. There was a paragraph that reads, "You have the right to request, no more than once during a 12-month period, that your policy be re-rated using a current credit-based insurance score. On and after the...
by RMO87
Fri Jun 17, 2016 11:52 am
Forum: Personal Consumer Issues
Topic: Southwest Airlines - Rebooking
Replies: 11
Views: 848

Southwest Airlines - Rebooking

I purchased a "Wanna Get Away" fare a couple weeks ago. Southwest is now running an even better sale, which dropped the price of my flight about $100. I've heard that you can rebook the flight and receive the difference as a credit toward a future flight. Has anyone ever done this; how is ...
by RMO87
Fri Jun 10, 2016 6:53 am
Forum: Personal Consumer Issues
Topic: Smartphone Annoyance - Moto G
Replies: 1
Views: 335

Smartphone Annoyance - Moto G

I've had my new Moto G (3rd generation) for a few months now. It seems to always open new apps/programs in the background--behind the active screen. Is this normal, or do I simply need to change a setting?

Thanks in advance!
Ryan
by RMO87
Sun May 29, 2016 1:13 pm
Forum: Personal Consumer Issues
Topic: Pre-Qualify for Auto Loan
Replies: 5
Views: 318

Pre-Qualify for Auto Loan

It's been quite a while since I had an auto loan--1998 to be exact. Is it recommended to get pre-qualified prior to contacting dealerships? A local credit union has a great rate, but car manufacturers have cash back deals if you finance with them.
by RMO87
Thu May 12, 2016 11:04 pm
Forum: Personal Consumer Issues
Topic: Lawncare - Chigger control
Replies: 9
Views: 934

Lawncare - Chigger control

The last couple summers (beginning in June or so), chiggers in my backyard have been quite prevalent. So bad, that I've had to mow in jeans and use insect repellent. Is there a product that I could use that would help control/eliminate these itchy critters?

Thanks in advance!
Ryan
by RMO87
Sun Apr 24, 2016 11:09 am
Forum: Personal Consumer Issues
Topic: AT&T U-verse Internet / Comcast Internet
Replies: 12
Views: 1591

Re: AT&T U-verse Internet / Comcast Internet

Thanks for the replies everyone! Although rated well, the ARRIS SB6141 modem does not looks to support a phone line. Two others that I believe do are the ARRIS TM722G and the TM822G. As for routers, my research has shown the Netgear AC1900 (~$175) to be an easy to setup router. Does anyone have expe...
by RMO87
Fri Apr 22, 2016 10:35 pm
Forum: Personal Consumer Issues
Topic: AT&T U-verse Internet / Comcast Internet
Replies: 12
Views: 1591

AT&T U-verse Internet / Comcast Internet

I've been with AT&T for many years, but when my 12-month promotion expired this month, the best they could do is leave me with an almost 50% increase over what I had been paying. I am currently now at $67/month ($47 for 18 Mbps + $20 home phone). I am now considering Comcast--faster speeds and l...
by RMO87
Sun Mar 13, 2016 8:15 am
Forum: Personal Consumer Issues
Topic: Crack in Basement Window - Who to Contact?
Replies: 9
Views: 1290

Crack in Basement Window - Who to Contact?

We have two windows in our daylight basement. One has developed a crack and is allowing some moisture to pool at the bottom of the sill. The design of the window allows it to be opened by sliding it open horizontally. Being what I figure is an odd size and not knowing whether simply just part of the...
by RMO87
Thu Mar 03, 2016 10:54 pm
Forum: Personal Consumer Issues
Topic: Sump Pump replacement
Replies: 21
Views: 1732

Sump Pump replacement

My house--along with the sump pump--is about to turn 8-years-old next week. I'm wondering whether it is time to replace the sump pump. In my opinion, it has been working fine, it's just that I've read that its expected life may be nearing. The current pump is a submersible pump. I received a post ca...
by RMO87
Sat Feb 20, 2016 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: Refinancing - Mortgage brokers
Replies: 4
Views: 543

Refinancing - Mortgage brokers

With mortgage interest rates still quite low, I'm looking to shorten my term from 25 years to 20. Is there much difference (or anything to be wary about) in using a mortgage broker rather that a direct lender? Our credit is good (~750) and the LTV would be about 75%.

Thanks in advance!
Ryan
by RMO87
Sat Feb 06, 2016 9:47 am
Forum: Investing - Help with Personal Investments
Topic: Undo Roth 401(k) contribution?
Replies: 1
Views: 204

Undo Roth 401(k) contribution?

Last year (2015), my company began offering a post-tax (Roth) 401(k), in addition to the traditional 401(k). I had one Roth contribution taken out in January '15, a total of $87.65. However, I then changed my mind and went back to strictly traditional contributions. Does anyone know whether it is po...
by RMO87
Sun Apr 26, 2015 11:42 am
Forum: Personal Consumer Issues
Topic: Home Thermostat Wiring
Replies: 15
Views: 2727

Re: Home Thermostat Wiring

Hello again. I have finally found time to install my new Honeywell thermostat. Today, I had a question, so I called the Honeywell hotline phone number, and I was told that I need to have a HVAC contractor install a 'fossil fuel kit', otherwise the compressor may get damaged. Is this correct? I'm rea...
by RMO87
Sun Mar 22, 2015 9:55 am
Forum: Personal Consumer Issues
Topic: External Hard Drive?
Replies: 44
Views: 4011

Re: External Hard Drive?

Thanks for the great responses everyone! I'm leaning toward a 1 TB WD Elements or 1 TB Seagate Backup Plus Slim, both around $60.00. Both look to have good reviews; just flip a coin?

Thanks again,
Ryan
by RMO87
Sun Mar 22, 2015 8:30 am
Forum: Personal Consumer Issues
Topic: External Hard Drive?
Replies: 44
Views: 4011

Re: External Hard Drive?

Any recommended external HD's? Would a a solid state drive be an option (sorry, don't know much about them)?

Thanks again,
Ryan
by RMO87
Sun Mar 22, 2015 8:11 am
Forum: Personal Consumer Issues
Topic: External Hard Drive?
Replies: 44
Views: 4011

External Hard Drive?

My laptop is beginning to act funny at times, and am leery that it could be hard drive related. Is is best to back things up to an external hard drive, or maybe one of those cloud services I've heard about? Maybe some other option?

Thanks in advance,
Ryan
by RMO87
Thu Mar 19, 2015 7:01 pm
Forum: Investing - Help with Personal Investments
Topic: 401(k) for Small Businesses - Costs?
Replies: 4
Views: 559

401(k) for Small Businesses - Costs?

My wife's new employer, with roughly 450 employees, surprisingly does not offer a 401(k). She thinks the owners are overly frugal, not offering basic benefits such as a retirement plan. Of course, this could end up backfiring, as it can lead to unhappy employees and higher turnover. Does anyone know...
by RMO87
Sat Feb 14, 2015 8:19 am
Forum: Personal Consumer Issues
Topic: T-Mobile cell plans
Replies: 7
Views: 1366

Re: T-Mobile cell plans

Great news then! I love being able to top off for just $10 and be set for another year!

Thanks everyone!
Ryan
by RMO87
Thu Feb 12, 2015 9:44 pm
Forum: Personal Consumer Issues
Topic: T-Mobile cell plans
Replies: 7
Views: 1366

T-Mobile cell plans

I am currently on the old T-Mobile prepaid plan where I was able to roll over my minutes for an entire year by adding $10.00 (I am a very light talk user). My anniversary date is coming up next week, and I currently have $50.87 in my account. From what I can tell, prepaid T-Mobile now has a $3.00/mo...
by RMO87
Thu Jan 29, 2015 7:32 pm
Forum: Personal Consumer Issues
Topic: Home Thermostat Wiring
Replies: 15
Views: 2727

Re: Home Thermostat Wiring

On the doityourself.com forums, I was told it is not recommended to use a setback stat on a heatpump system (which mine is). If your temperature is more than 2-3 degrees below the set point.... the electric heat will come on, causing higher electric bills. So my new Honeywell programmable stat looks...
by RMO87
Thu Jan 01, 2015 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Charitable Deductions - Valuation of Clothing
Replies: 3
Views: 559

Charitable Deductions - Valuation of Clothing

First of all, Happy 2015! As such, tax prep work is right around the corner. My wife and I plan to itemize deductions this year and have several items of clothing that we donated in 2014. What is the consensus as to the best guide to use for valuating how much to deduct? I've conducted a search and ...
by RMO87
Sun Dec 28, 2014 12:25 pm
Forum: Personal Consumer Issues
Topic: Home Thermostat Wiring
Replies: 15
Views: 2727

Re: Home Thermostat Wiring

I registered at HVAC-talk; unfortunately, not being a professional member there, I was told they couldn't offer do it yourself info there. I posted on Garden Web, as well.

Also, thanks for the table link, Epsilon!
by RMO87
Sun Dec 28, 2014 9:02 am
Forum: Personal Consumer Issues
Topic: Home Thermostat Wiring
Replies: 15
Views: 2727

Home Thermostat Wiring

I am attempting to install a programmable thermostat (Honeywell RTH7500d) to replace my old non-programmable Lennox 51M33), but have a question as to which wires go where on the new one. The old unit uses wires O, R, G, Y1, W1, C, E, T2, and T1, with a jumper between W1 and E, as well. The quick sta...
by RMO87
Thu Nov 20, 2014 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Get up to $30 back per Amex card (Small Business Sat, 11/29)
Replies: 82
Views: 10847

Re: Get up to $30 back per Amex card (Small Business Sat, 11

If this is promoting small businesses, why are some of the participating businesses AT&T, Hertz, Dell, etc? Does this mean I could simply pay my A&T phone bill on 11/29 to qualify? Kind of defeats the purpose of supporting small business!
by RMO87
Tue Nov 11, 2014 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Withholding assistance
Replies: 4
Views: 437

Tax Withholding assistance

Great news! My wife, who has been a stay-at-home mom for the past 11 years, re-enters the workforce officially next Monday! Any guidance as to how we should adjust our federal withholdings? I am currently claiming 8 exemptions. We have two children and each of us will be making roughly the same ($50...
by RMO87
Tue Oct 14, 2014 9:01 pm
Forum: Personal Consumer Issues
Topic: Clothes Dryer drying very slowly
Replies: 24
Views: 2749

Re: Clothes Dryer drying very slowly

It isn't dryer sheet related, as we don't use them. I think it is time to schedule a dryer vent cleaning, as the duct from the upstairs laundry room to the back of the house is rather long and is not simply a straight shot (there is at least one curve in the duct involved). I'm sure there is some ex...
by RMO87
Sun Oct 12, 2014 1:18 pm
Forum: Personal Consumer Issues
Topic: Clothes Dryer drying very slowly
Replies: 24
Views: 2749

Clothes Dryer drying very slowly

Our electric clothes dryer, a Maytag Bravos just a couple years old, is taking over three hours to fully dry a load of towels. I have recently removed a bunch of lint that had built up, but it didn't improve the drying speed. Any idea what may be going on, what else to check, etc.? Thanks in advance...
by RMO87
Sat Sep 20, 2014 1:24 pm
Forum: Personal Consumer Issues
Topic: Refrigerator problem
Replies: 20
Views: 2062

Re: Refrigerator problem

I cleaned off the coils a couple months ago when I replaced the run capacitor and start device. Last night, I put the thermometer in the freezer. After the compressor kicked off, it stood at 2 degrees. After a couple of hours or so of not kicking back on, it was at 20 degrees. Whenever I notice temp...
by RMO87
Thu Sep 11, 2014 6:36 pm
Forum: Personal Consumer Issues
Topic: Refrigerator problem
Replies: 20
Views: 2062

Refrigerator problem

I've been having problems with my fridge temp creeping toward 50 degrees at times. This morning, I slightly adjusted the temperature control knob (which is currently sitting at the recommended level - "3" on the 1 to 5 scale). Right now, it has been running ever since I got home from work ...
by RMO87
Sat Aug 02, 2014 12:12 pm
Forum: Personal Consumer Issues
Topic: How to fix door handle?
Replies: 25
Views: 1985

Re: How to fix door handle?

Here are the pictures! First one showing the lock that no longer turns (view is from the inside of the house): http://i57.tinypic.com/b6tytv.jpg Second and third are viewed on the other side (from inside the garage), showing the little hole (second pic) and the spindle screw (third pic): http://i59....
by RMO87
Sat Aug 02, 2014 9:25 am
Forum: Personal Consumer Issues
Topic: How to fix door handle?
Replies: 25
Views: 1985

Re: How to fix door handle?

I'd love to attach a few pictures of the handle in question. Could anyone please guide me as to how I go about doing so? Thanks again for trying to help me out!
Ryan
by RMO87
Sat Jul 26, 2014 10:13 am
Forum: Personal Consumer Issues
Topic: How to fix pop-up sprinkler head?
Replies: 13
Views: 1333

Re: How to fix pop-up sprinkler head?

It is fixed. It is about six inches long with a spring around it.
by RMO87
Sat Jul 26, 2014 10:03 am
Forum: Personal Consumer Issues
Topic: How to fix pop-up sprinkler head?
Replies: 13
Views: 1333

How to fix pop-up sprinkler head?

Help, one of the spray heads come completely out of the ground (Hunter brand). Does anyone know if this is a simple fix, maybe simply screw it back in, or does this mean I need to replace the head?

Thanks in advance!
Ryan
by RMO87
Sat Jul 26, 2014 9:07 am
Forum: Personal Consumer Issues
Topic: How to fix door handle?
Replies: 25
Views: 1985

How to fix door handle?

Help, the handle lever of the door between the house to the garage has come off on the garage side. At first, the lock quit twisting. The next thing we knew, the handle came off. The house is just over 6 years old. Right now we have to manually put the handle over the 'spindle' to get inside. The ha...
by RMO87
Sun Mar 30, 2014 7:17 am
Forum: Personal Consumer Issues
Topic: Tree stump removal
Replies: 25
Views: 2383

Tree stump removal

In January, high winds snapped a 5-year-old tree in my backyard in half, leaving a two-foot stump. I believe it was an ash. I think that it had already been weakened, as it lost its leaves early last summer. The stump is roughly 5 or 6 inches in diameter. Any recommendations in how to go about remov...
by RMO87
Sat Feb 08, 2014 9:34 am
Forum: Personal Consumer Issues
Topic: Refrigerator problem - Ideas?
Replies: 4
Views: 629

Refrigerator problem - Ideas?

My 4 1/2-year-old Whirlpool refrigerator (with freezer on top) has been running warm lately. I have a refrigerator thermometer which has been as high as 50 degrees in the refrigerator. I have it in the freezer currently, where it has been fluctuating between 20 degrees and 0 degrees. What may be the...
by RMO87
Sat Feb 08, 2014 9:19 am
Forum: Personal Consumer Issues
Topic: Microsoft Updates - New laptop problem
Replies: 14
Views: 1128

Microsoft Updates - New laptop problem

I purchased a new laptop (HP with Windows 8) for Christmas, but am having trouble getting it fully up to speed. There are 84 Microsoft updates that supposedly need to be downloaded. I have had problems getting them to all load properly, as I have ended up having to do a system restore a couple of ti...
by RMO87
Fri Jan 31, 2014 7:15 am
Forum: Personal Finance (Not Investing)
Topic: Form 8606 - Figuring Roth IRA Basis
Replies: 2
Views: 483

Form 8606 - Figuring Roth IRA Basis

Good Friday to everyone, Last year, I took my very first distribution from a Roth IRA (a small $2,300 amount at age 40). I have had a Roth since they were first offered in 1998, I believe it was. My Roths were originally with Harbor Funds and Janus Funds before consolidating everything with Vanguard...
by RMO87
Sat Mar 02, 2013 2:50 pm
Forum: Personal Consumer Issues
Topic: Titanic II, would you take a cruise?
Replies: 30
Views: 2512

Re: Titanic II, would you take a cruise?

It's already set sail, didn't anyone see http://www.imdb.com/title/tt1640571/?ref_=sr_2 ?
by RMO87
Sat Feb 09, 2013 1:05 pm
Forum: Investing - Help with Personal Investments
Topic: VG Short-Term Inv-Grade - Convert to Admiral
Replies: 5
Views: 902

VG Short-Term Inv-Grade - Convert to Admiral

I have five figures in VFSTX (investor shares) within my six figure traditional IRA. I was thinking that I would qualify to convert these shares to admiral (VFSUX). However, I do not see this option on the Vanguard website. Could someone please confirm the qualifications?

Thanks,
Ryan
by RMO87
Wed Feb 06, 2013 2:36 pm
Forum: Investing - Help with Personal Investments
Topic: TIPS - WSJ: "Take TIPS off Your List"
Replies: 48
Views: 6682

Re: TIPS - WSJ: "Take TIPS off Your List"

Wow, I just found out that Vanguard has a short-term TIPS fund. Must be fairly new, as today was the first I had heard of it. Might this be the logical fund to exchange into?

Ryan
by RMO87
Sun Feb 03, 2013 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: TIPS - WSJ: "Take TIPS off Your List"
Replies: 48
Views: 6682

TIPS - WSJ: "Take TIPS off Your List"

I was reading the article in this weekend's WSJ by Brett Arends. It makes one consider selling TIPS, as they are "guaranteed to lose money," as the effective interest rates have decreased to record lows. A chief investment officer quoted recommends, if you have a position in TIPS, to keep ...
by RMO87
Fri Feb 01, 2013 8:29 am
Forum: Personal Finance (Not Investing)
Topic: Tax Act - Exchange Student Deduction
Replies: 2
Views: 672

Re: Tax Act - Exchange Student Deduction

Has anyone here claimed this deduction before? This is my first year hosting.
by RMO87
Wed Jan 30, 2013 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Act - Exchange Student Deduction
Replies: 2
Views: 672

Tax Act - Exchange Student Deduction

I am trying to figure out how I enter the foreign exchange student hosting deduction in Tax Act. I know that it is considered a charitable deduction on Schedule A (pretty sure considered a cash donation rather than non-cash one). The help section of Tax Act was not very 'helpful.' The duduction is $...
by RMO87
Fri Sep 07, 2012 1:37 pm
Forum: Personal Consumer Issues
Topic: Hard Drive - Help!!
Replies: 21
Views: 2265

Re: Hard Drive - Help!!

Well, I got the Tripp Lite U238-000 SATA adapter and was able to recover about 10.2 GB. However, it does not appear to include our digital pictures and most Word documents that we had. Any suggestions on what to try next?

Thanks,
Ryan
by RMO87
Sun Aug 26, 2012 5:45 pm
Forum: Personal Consumer Issues
Topic: Hard Drive - Help!!
Replies: 21
Views: 2265

Re: Hard Drive - Help!!

Are any of the following three clearly better (USB to SATA adapters)? Or just pick one?

1. Startech.com #USB2SATAIDE
2. Tripp Lite U238-000
3. Vantec CB-ISATAU2
by RMO87
Sun Aug 26, 2012 10:40 am
Forum: Personal Consumer Issues
Topic: Hard Drive - Help!!
Replies: 21
Views: 2265

Re: Hard Drive - Help!!

Update: I have discovered that it is indeed a hard drive problem. I have removed the hard drive. It is a SATA, 3.5" Western Digital. I plan to purchase a $30 enclosure at Best Buy. Do I need to purchase any additional cables in order to transfer files?
by RMO87
Thu Aug 23, 2012 7:33 am
Forum: Personal Consumer Issues
Topic: Hard Drive - Help!!
Replies: 21
Views: 2265

Re: Hard Drive - Help!!

Thanks a bunch everyone. I will definitely look into these suggestions this weekend!

Ryan

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