Search found 436 matches

by TT
Fri Apr 22, 2016 9:07 am
Forum: Personal Consumer Issues
Topic: Lifted Shingles on a New Home
Replies: 8
Views: 1034

Re: Lifted Shingles on a New Home

"Several" shingles lifted should be an easy fix. If the problem was more prevalent then it would appear that the shingles were installed in rather cold weather i. e. below 45 degrees or so. Shingles s/b installed above 50 degrees and not until it reaches about 70 degrees do they seal well....
by TT
Tue Apr 12, 2016 1:11 pm
Forum: Personal Consumer Issues
Topic: Adding a large bedroom to existing house
Replies: 12
Views: 1226

Re: Adding a large bedroom to existing house

I was looking at houses for a possible relocation and have I filtered for 3 bedrooms and some houses were 4,000- 4,700 square feet One was over 3,300 and had 2 bedrooms. It's amazing how many houses built between 1990- 2005 that are 3,500 - 5,700 sq. ft. with significant upgrades that are for sale w...
by TT
Mon Apr 11, 2016 7:23 pm
Forum: Personal Consumer Issues
Topic: Hail damage avoidance/minimization (vehicles)
Replies: 22
Views: 1319

Re: Hail damage avoidance/minimization (vehicles)

How do the new aluminum cars hold up to hail? F150, Tesla, etc Varying opinions on this- My repair shop says F-150 aluminum owners have been waiting a long time for repairs due to fewer shops authorized to do repairs, long wait times for parts and generally more expensive as entire panels need to b...
by TT
Sun Apr 10, 2016 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: How to get my 29 year old sister into saving....("I don't have any money to save")
Replies: 58
Views: 4903

Re: How to get my 29 year old sister into saving....("I don't have any money to save")

Have you proposed a detailed monthly budget: I have used this to help others. Monthly Savings Calculations Income Per Pay Period Income Per Month Rent Cable Phone Utilities Groceries Household Products Insurance Car Insurance House/Renters Prescriptions Medical Car Expenses Gasoline Pet Expense Fun ...
by TT
Fri Apr 08, 2016 3:15 pm
Forum: Personal Consumer Issues
Topic: Buy a house with previously repaired foundation issues?
Replies: 22
Views: 1536

Re: Buy a house with previously repaired foundation issues?

The warranty you have noted would not influence my decision in any way. Is the contractor going to be in business 10 years from now? Can the exclusions be interpreted in a manner that the warranty really does not have any significant coverage? I am not an engineer nor a contractor. The foundation su...
by TT
Thu Apr 07, 2016 7:18 am
Forum: Personal Consumer Issues
Topic: Anything to look for when buying a fridge?
Replies: 38
Views: 2824

Re: Anything to look for when buying a fridge?

Expect the water line connecting to your fridge for water/icemaker to leak at the connection. Options: -Flexible instead of rigid line. -Battery-powered water alarm. -Flooring material that will resist water damage. Or don't connect the fridge to the water line and cap off the water line.... Surely...
by TT
Thu Apr 07, 2016 7:10 am
Forum: Personal Consumer Issues
Topic: Dallas suburbs or Northern Virginia for me?
Replies: 87
Views: 5066

Re: Dallas suburbs or Northern Virginia for me?

Here is an article on Texas to consider:

http://ideas.time.com/2013/10/17/10-rea ... ur-future/

I would consider Texas and I am from the Northeast.

Good Luck
by TT
Wed Apr 06, 2016 7:00 pm
Forum: Personal Consumer Issues
Topic: Chimney repair - who to call?
Replies: 7
Views: 795

Re: Chimney repair - who to call?

Search in your area for a Chimney Cleaning Repair /Masonary Company You need experience specific to Chimney Repair- some masons do not know how to properly repair a chimney The coating that is peeling is moisture from the inside /underneath the coating. Here is an example of what to look for: http:/...
by TT
Sat Apr 02, 2016 7:52 am
Forum: Personal Consumer Issues
Topic: Independent up sell? Balancing Tires / Cleaning Brakes?
Replies: 15
Views: 888

Re: Independent up sell? Balancing Tires / Cleaning Brakes?

Cleaning disc brakes especially rear brakes in areas where salt, sand and brine is spread to melt icing roads is an essential process to maintain brakes in good working order. Bushings that move the caliper and slides inside the caliper housing need to be lubricated or they can "freeze" i...
by TT
Fri Apr 01, 2016 5:19 pm
Forum: Personal Consumer Issues
Topic: Independent up sell? Balancing Tires / Cleaning Brakes?
Replies: 15
Views: 888

Re: Independent up sell? Balancing Tires / Cleaning Brakes?

Cleaning disc brakes especially rear brakes in areas where salt, sand and brine is spread to melt icing roads is an essential process to maintain brakes in good working order. Bushings that move the caliper and slides inside the caliper housing need to be lubricated or they can "freeze" i....
by TT
Sun Mar 27, 2016 4:48 pm
Forum: Investing - Help with Personal Investments
Topic: Strength of Pension Plan
Replies: 7
Views: 808

Re: Strength of Pension Plan

Also, the monthly payment would be in the range of 2400-2600/month, is this an amount that would be fully backed up by the PBGC if the pension plan does fail ? This will address this question :http://www.pbgc.gov/wr/benefits/guaranteed-benefits/maximum-guarantee.html PBGC has two categories of pens...
by TT
Sun Mar 27, 2016 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: Synchrony Bank for short term investment
Replies: 18
Views: 2509

Re: Synchrony Bank for short term investment

Don't forget to check the rates at local Credit Unions as in my area some CU's are not only competitive but actually have better rates for specific terms than the large banks. I recently opened a 48 month Share Certificate for 2.2% with 6 month penalty for early withdrawal. You can check rates and i...
by TT
Tue Mar 15, 2016 3:14 pm
Forum: Personal Consumer Issues
Topic: Nissan Pathfinder 2015!
Replies: 14
Views: 1661

Re: Nissan Pathfinder 2015!

Nissan has built unreliable vehicles for some time and continues with mediocre to poor reliability. There are many better choices to consider. Really? I'll tell my 2006 Nissan Pathfinder that it's unreliable. :D I've changed tires, had regular maintenance and have 150K miles. Everyone tells me I ca...
by TT
Tue Mar 15, 2016 6:37 am
Forum: Personal Consumer Issues
Topic: Pantry and fridge inventory solution
Replies: 17
Views: 1672

Re: Pantry and fridge inventory solution

I keep my pantry and fridge organized and when I see an item is at a level that needs replenishing I just make a shopping list with paper and pencil.
by TT
Tue Mar 15, 2016 6:21 am
Forum: Personal Consumer Issues
Topic: Nissan Pathfinder 2015!
Replies: 14
Views: 1661

Re: Nissan Pathfinder 2015!

Nissan has built unreliable vehicles for some time and continues with mediocre to poor reliability. There are many better choices to consider.
by TT
Thu Mar 10, 2016 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Advice for physician asking for a raise
Replies: 47
Views: 4878

Re: Advice for physician asking for a raise

If I am understanding this correctly "my pay is about median to 60th percentile for my specialty" this refers to the range for your specialty including salaries at other organizations. More importantly is where does your salary fall within the range of the organization you currently work. ...
by TT
Sun Feb 28, 2016 9:19 am
Forum: Personal Consumer Issues
Topic: What to know when buying furniture?
Replies: 28
Views: 2320

Re: What to know when buying furniture?

Over the years I have purchased medium with some high end furniture with the occasional low end piece which never lasted. There has never been any issues with the structural integrity or finish of quality furniture. When we replaced our living room sofa and two arm chairs back in 2010 after some res...
by TT
Thu Feb 25, 2016 10:52 am
Forum: Personal Consumer Issues
Topic: Winter Tire Tips
Replies: 30
Views: 1951

Re: Winter Tire Tips

Residing in New England means snow tires stay on till end of March. The additional wear will be insignificant and March is notorious for deep heavy wet snowfalls.
by TT
Thu Feb 25, 2016 10:46 am
Forum: Personal Consumer Issues
Topic: Microsoft Safety Scanner
Replies: 2
Views: 478

Microsoft Safety Scanner

"The Microsoft Safety Scanner is a free downloadable security tool that provides on-demand scanning and helps remove viruses, spyware, and other malicious software. It works with your existing antivirus software." I have used this for quite some time now and this week when I download the m...
by TT
Mon Feb 22, 2016 11:08 am
Forum: Investing - Help with Personal Investments
Topic: Record Keeping for IRAs, 401Ks
Replies: 1
Views: 196

Record Keeping for IRAs, 401Ks

I have kept all final statements and records of transfers and rollovers from Traditional IRAs , Roth IRAs and 401Ks since I started back in 1998. Traditional IRAs and Roth IRAs moved from bank to bank, bank to mutual fund company, mutual fund company to mutual fund company, and also 401K to an IRA u...
by TT
Sun Feb 21, 2016 8:29 am
Forum: Personal Consumer Issues
Topic: Don't understand nutrition and exercise
Replies: 340
Views: 24474

Re: Don't understand nutrition and exercise

Here is an extremely healthy diet to follow- Cut down on processed foods and try to eliminate them completely Eat whole grains only Cut down on Casein protein from your diet - add complex carbohydrates Eat fresh fruits and vegetables Calories are not as important as counting and reducing fat esp. sa...
by TT
Sun Feb 21, 2016 8:06 am
Forum: Personal Consumer Issues
Topic: Amazon Free Shipping Is Now $50....
Replies: 74
Views: 9643

Re: Amazon Free Shipping Is Now $50....

Over the past year I have noticed that pricing has increased to a point where some items I am looking for can be found cheaper either at other online retailers, directly from the manufacturer or at local brick and mortar stores. Checking prices can be time consuming but IMO there is no one place for...
by TT
Sun Feb 07, 2016 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: The $250,000 Question
Replies: 19
Views: 4316

Re: The $250,000 Question

PenFed sent me an email ... maybe the beginning of last week advertising a 1.5% for 15 months CD. You might want to park some there, some in an Ally Bank savings account at 1% and look for better paying longer CD's. A short term corporate fund such as VCIT might work for some too. That offer from P...
by TT
Sun Feb 07, 2016 7:59 am
Forum: Investing - Help with Personal Investments
Topic: Mega Backdoor Roth -- Roth 401(k) or Roth IRA?
Replies: 14
Views: 1193

Re: Mega Backdoor Roth -- Roth 401(k) or Roth IRA?

Roth IRA's do not require RMD's during your or your spouses lifetime if he or she is named as the beneficiary but if you are considering your Roth IRA's as a possible inheritance there are important IRS rules that need to be noted. This article has some good info to consider. http://www.rothira.com/...
by TT
Thu Dec 10, 2015 8:00 am
Forum: Personal Consumer Issues
Topic: mailboxes freezing shut?
Replies: 31
Views: 1886

Re: mailboxes freezing shut?

Buy a tube of biobased white lithium grease and apply it to the contact points of the door and the edge the mailbox. Stable to 40 below and stays where you put it. I use it on my tractor implements and any other metal to prevent rusting.
by TT
Fri Jul 24, 2015 11:02 am
Forum: Personal Consumer Issues
Topic: dehumidifer repair
Replies: 8
Views: 553

Re: dehumidifer repair

1st- Samsung - excellent but noisy lasted about 15 years 2nd- Whirpool -junk from day one very noisy, not consistent in dehumidification -5 years 3rd - Frigidare- excellent- spring of this year- very quiet, runs for short intervals , dehumidifies consistently at 48-50% humidity 1100 square feet in b...
by TT
Fri Apr 10, 2015 6:43 am
Forum: Personal Consumer Issues
Topic: Propane Heating and Septic Tanks
Replies: 36
Views: 2587

Re: Propane Heating and Septic Tanks

I agree with TheGreyingDuke regarding septic systems. For energy cost comparisons here is calculator that will give you an accurate cost comparison regarding different fuels. It also incorporates the average efficiency of appliances. Just enable for editing, enter costs of different fuels in your ar...
by TT
Wed Apr 08, 2015 7:29 pm
Forum: Personal Consumer Issues
Topic: Baseboard Hot Water Heating System Vibration
Replies: 9
Views: 842

Re: Baseboard Hot Water Heating System Vibration

Perhaps trapped air generating some steam in the line or sediment in the boiler again causing steam in the system.
Maybe flushing water lines may cure issue.
by TT
Sun Mar 29, 2015 7:50 pm
Forum: Personal Consumer Issues
Topic: Hate where we live, do we make major changes?
Replies: 132
Views: 14670

Re: Hate where we live, do we make major changes?

I like it Cold, Peaceful and Quiet in Northern New England U.S. Crime Index State Rank Higher crime index value means more crime. Rank Crime Index ▼ State / Population 1. 3,774 District of Columbia / 601,723 2. 2,297 South Carolina / 4,625,364 3. 2,259 New Mexico / 2,059,179 4. 2,233 Tennessee / 6,...
by TT
Sat Mar 21, 2015 7:06 am
Forum: Personal Consumer Issues
Topic: Whats a good Pistol to buy?
Replies: 112
Views: 11209

Re: Whats a good Pistol to buy?

I have owned handguns for many years both revolvers and semi auto pistols. I personally prefer Smith and Wesson large frame (N) revolvers for personal home protection. .45 ACP with full moon clips and .45 Long Colt -both have plenty of energy without excessive recoil. Ammo selection is just as impor...
by TT
Mon Mar 16, 2015 6:32 am
Forum: Personal Consumer Issues
Topic: Bookshelf/ Tabletop Audio
Replies: 5
Views: 685

Re: Bookshelf/ Tabletop Audio

ieee488 wrote:Are you expecting the system to come with a dock or do you already have a dock?

I do not have a dock but the ipod does have bluetooth or we can use a cable to connect -the player just has to be small and sound good
by TT
Mon Mar 16, 2015 6:11 am
Forum: Personal Consumer Issues
Topic: Bookshelf/ Tabletop Audio
Replies: 5
Views: 685

Re: Bookshelf/ Tabletop Audio

Giving you a bump. I'd strongly recommend going for portability and bluetooth. Skip the CD if possible and burn your discs. I would also skip the "dock" as the primary connection concept with ipod and go with something bluetooth ready, which is awesome. Bluetooth devices should also have ...
by TT
Sun Mar 15, 2015 5:59 pm
Forum: Personal Consumer Issues
Topic: Bookshelf/ Tabletop Audio
Replies: 5
Views: 685

Bookshelf/ Tabletop Audio

I am looking for a small audio system with CD/ FM Radio/ iPod dock for our kitchen. I do want something that has a decent radio as I need my NPR/VPR.
Any recommendations would be appreciated.
Thanks
by TT
Sun Mar 15, 2015 5:45 pm
Forum: Personal Consumer Issues
Topic: Capital One seemed happy to lose me as a customer?
Replies: 24
Views: 4552

Re: Capital One seemed happy to lose me as a customer?

I closed a Chase CC account after 12 years with them as the terms of the rewards were being changed and my experience was similar to yours. I never carry a balance or incur any fees so they were very OK with closing my account.
by TT
Fri Mar 06, 2015 6:23 am
Forum: Personal Consumer Issues
Topic: 2015 Honda CR-V vibration problems
Replies: 40
Views: 10356

Re: 2015 Honda CR-V vibration problems

ABC7 news http://api.viglink.com/api/click?format=go&jsonp=vglnk_14253206930817&key=e0f4d5b76756fc288c9c1e5986e97af4&libId=i6s74q6x01000b4v000DA6w2lmsez&loc=http%3A%2F%2Fwww.crvownersclub.com%2Fforums%2F14-problems-issues%2F63138-2015-honda-cr-v-vibration-idle-69.html&v=1&ou...
by TT
Thu Mar 05, 2015 9:48 pm
Forum: Personal Consumer Issues
Topic: 2015 Honda CR-V vibration problems
Replies: 40
Views: 10356

Re: 2015 Honda CR-V vibration problems

ABC7 news http://api.viglink.com/api/click?format=go&jsonp=vglnk_14253206930817&key=e0f4d5b76756fc288c9c1e5986e97af4&libId=i6s74q6x01000b4v000DA6w2lmsez&loc=http%3A%2F%2Fwww.crvownersclub.com%2Fforums%2F14-problems-issues%2F63138-2015-honda-cr-v-vibration-idle-69.html&v=1&ou...
by TT
Thu Jan 29, 2015 5:53 am
Forum: Personal Consumer Issues
Topic: cvt transmissions
Replies: 45
Views: 4060

Re: cvt transmissions

Hospital Volunteer Subaru Outback with CVT -
178,000 miles no repairs just one fluid change to date.
by TT
Sun Jan 25, 2015 2:45 pm
Forum: Personal Consumer Issues
Topic: 400ft Driveway - How do I plow the snow?
Replies: 67
Views: 10101

Re: 400ft Driveway - How do I plow the snow?

I have lived in Northern NE with a 450' driveway for 30+ years. My driveway is relatively flat with only a minimum grade. I have used a Compact 4WD Diesel Tractor that weighs about 3,300 lbs with a 6 foot plow blade and a two stage 50 " snow blower that works off the 3 point hitch. In my exper...
by TT
Sun Jan 25, 2015 2:37 pm
Forum: Personal Consumer Issues
Topic: 400ft Driveway - How do I plow the snow?
Replies: 67
Views: 10101

Re: 400ft Driveway - How do I plow the snow?

I have lived in Northern NE with a 450' driveway for 30+ years. My driveway is relatively flat with only a minimum grade. I have used a Compact 4WD Diesel Tractor that weighs about 3,300 lbs with a 6 foot plow blade and a two stage 50 " snow blower that works off the 3 point hitch. In my exper...
by TT
Sun Jan 25, 2015 1:44 pm
Forum: Personal Consumer Issues
Topic: 400ft Driveway - How do I plow the snow?
Replies: 67
Views: 10101

Re: 400ft Driveway - How do I plow the snow?

I have lived in Northern NE with a 450' driveway for 30+ years. My driveway is relatively flat with only a minimum grade. I have used a Compact 4WD Diesel Tractor that weighs about 3,300 lbs with a 6 foot plow blade and a two stage 50 " snow blower that works off the 3 point hitch. In my experi...
by TT
Sun Jan 25, 2015 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Hardwood flooring - lumber liquidators
Replies: 17
Views: 5821

Re: Hardwood flooring - lumber liquidators

I thought I'd revive this 5-year old thread. Does anyone have recent experience with Lumber Liquidators, specifically the Bellawood product? I am looking to re-do the flooring in my bedrooms with this. It's a little less expensive than HD or Lowes, but more importantly for me, they have one specifi...
by TT
Sun Jan 25, 2015 9:33 am
Forum: Investing - Help with Personal Investments
Topic: Where do you think the stock market heading this year?
Replies: 20
Views: 1770

Re: Where do you think the stock market heading this year?

After a exhaustive comprehensive analysis tracking key metrics with various analytic tools I have conclusively determined-

I have no idea :oops:
by TT
Thu Jan 22, 2015 7:54 am
Forum: Investing - Theory, News & General
Topic: Hedge fund loses 99.8% of all funds, $100m down to $200k.
Replies: 59
Views: 7892

Re: Hedge fund loses 99.8% of all funds, $100m down to $200k

It would be interesting to read his resume and how he will quantify his skills and achievements or perhaps it is time for a career change - knife throwers assistant ?
by TT
Sun Jan 18, 2015 9:10 am
Forum: Investing - Help with Personal Investments
Topic: What is a good rule of thumb on savings vs salary?
Replies: 20
Views: 3654

Re: What is a good rule of thumb on savings vs salary?

I wanted to ask this question based on the doctors should I pack it in thread. He's now making $5xx,xxx and has $2.7mm with two homes and no debt. A few replies seemed to feel that this wasn't too much based on his income. He then further explained his situation. I thought it was pretty good based ...
by TT
Sun Jan 18, 2015 7:43 am
Forum: Personal Consumer Issues
Topic: Honda Civic vs Fit Safety Question
Replies: 55
Views: 4617

Re: Honda Civic vs Fit Safety Question

https://www.youtube.com/watch?v=XPFdQqOLkuA Good and interesting test, but what we have here is a 2008 Accord (not Civic) vs. a 2008 Fit (not redesigned 2015). So the relevance is not strong. The 2015 Honda Fit redesign resulted in small overlap crash test result to go from poor to acceptable. I wo...
by TT
Sat Jan 17, 2015 7:59 am
Forum: Investing - Help with Personal Investments
Topic: Wellington Fund as primary retirement investment
Replies: 29
Views: 7528

Re: Wellington Fund as primary retirement investment

I've been considering Wellington as the fund into which to move my wife's tIRA, to reduce volatility (she's been in Fidelity Contrafund for almost 20 years) and increase diversification across asset classes (we're currently very light on bonds in our collective portfolio). She'll be faced with RMDs...
by TT
Fri Jan 16, 2015 7:38 am
Forum: Personal Consumer Issues
Topic: Pottery Barn sofa - what fabric?
Replies: 16
Views: 11128

Re: Pottery Barn sofa - what fabric?

This may be helpful: Linen: Linen is best suited for formal living rooms or adult areas because it soils and wrinkles easily. And, it won't withstand heavy wear. However, linen does resist pilling and fading. Soiled linen upholstery must be professionally cleaned to avoid shrinkage. Leather: This to...
by TT
Wed Jan 14, 2015 8:55 am
Forum: Personal Consumer Issues
Topic: Sellers Won't Fix Leaking Roof; Fear of Additional Damage
Replies: 58
Views: 7541

Re: Sellers Won't Fix Leaking Roof; Fear of Additional Damag

Walk away from this house and do not look back. If there is black mold that has penetrated the roof plywood and perhaps the rafters 15K will not come close to repair the damage. A work acquaintance spent 50K+ to repair all the damage from black mold in roof of his house. Also, if the current owner n...
by TT
Thu Jan 01, 2015 7:28 am
Forum: Personal Consumer Issues
Topic: What do you drive, and why?
Replies: 249
Views: 28985

Re: What do you drive, and why?

2004 Subaru Outback with 176,000 miles
Bought it used 2 years ago for $3,500 with 157,00 miles -excellent condition
Spent about $750 for brakes and 2 new front drive axles when I got it.
Insurance is less than $400 per year
It gets me where I want to go regardless of the weather-

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