Search found 482 matches

by TT
Fri Nov 17, 2017 6:33 am
Forum: Personal Consumer Issues
Topic: Has used furniture dropped in value dramatically?
Replies: 101
Views: 6983

Re: Has used furniture dropped in value dramatically?

I have been looking on craigslist and can not believe what you can buy especially dining rooms are pretty much please come and take this away. It seems to be about 10 cents on the dollar for furniture in excellent condition and goes down from there. At this time there does seem to be an interest in ...
by TT
Fri Sep 22, 2017 5:58 am
Forum: Personal Consumer Issues
Topic: Gaps in new hardwood flooring
Replies: 52
Views: 3450

Re: Gaps in new hardwood flooring

"Flooring guy started installing this week and he complained that the wood is incorrectly milled."
Your installer is spot-on. I would return the wood and purchase from another source as more of the same product will probably have the same irregularity in milling.
by TT
Thu Sep 21, 2017 6:32 am
Forum: Personal Consumer Issues
Topic: 2018 Outback Limited vs. 2017 CR-V EX-L
Replies: 48
Views: 3484

Re: 2018 Outback Limited vs. 2017 CR-V EX-L

The Subaru has a proven 2.5 liter naturally aspirated engine vs. a 1.5 turbo. I am not convinced that a 1.5 liter turbo boost of 16.5 pulling a 3,400 lb. vehicle will have the durability of a naturally aspirated engine. Turbos are simply not as reliable and are only becoming more mainstream due to m...
by TT
Fri Sep 15, 2017 5:48 am
Forum: Personal Consumer Issues
Topic: 1st medical bill, already overdue and threaten to send to collection
Replies: 44
Views: 4070

Re: 1st medical bill, already overdue and threaten to send to collection

I had an endoscopy done in May of this year with an in-network participant. I saw everyone gotten paid from my insurance website. Then in late July, I got a letter from anesthesiologist billing asking me to call the insurance company to pay them more. So I called my insurance and told them my situa...
by TT
Fri Sep 15, 2017 5:32 am
Forum: Personal Consumer Issues
Topic: Can not decide between washing machines
Replies: 47
Views: 2759

Re: Can not decide between washing machines

I went to the local library and took a picture of the washing machine section of consumer reports [Link to content in excess of copyright fair use removed by admin LadyGeek] Number 1 is Samsung WF42H5200AW which is surprisingly very cheap $549 plus tax plus hoses and free installation so total $612...
by TT
Mon Jun 12, 2017 7:26 pm
Forum: Personal Consumer Issues
Topic: Dehumidifier woes
Replies: 66
Views: 5682

Re: Dehumidifier woes

My first dehumidifier lasted about 12-15 years. My second one lasted about 5-6 years. My third died in the first 90 days and refunded under warranty. My current one just started season 3. Most appliance reliability has declined significantly.
by TT
Sat Jun 03, 2017 5:38 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA Conversion Calculator
Replies: 9
Views: 811

Roth IRA Conversion Calculator

I have been considering converting Traditional IRA assets to a Roth IRA from retirement @ 65 till I am required to begin RMDs for myself and my spouse. Using this calculator results demonstrates to me that it is not as advantageous as I previously thought and in some instances conversions will resul...
by TT
Tue May 09, 2017 8:11 pm
Forum: Personal Consumer Issues
Topic: 18" vs 20" Tires
Replies: 39
Views: 3637

Re: 18" vs 20" Tires

Here is an example comparing 18" sidewalls to 20" sidewalls 245/50 R 20 = 4.82 inch sidewall height 245/60 R 18 = 5.78 inch sidewall height The taller sidewall height will make for a softer and more cushioned ride but will have more horizontal movement sometimes giving a sensation of leaning when co...
by TT
Wed Mar 22, 2017 7:39 pm
Forum: Investing - Help with Personal Investments
Topic: Fed Rate hikes / Savings rates
Replies: 5
Views: 1419

Re: Fed Rate hikes / Savings rates

It's probably better to link directly to the article itself , rather than to the comments. The Federal Reserve System , the Fed, via its Federal Open Market Committee , FOMC, changed its main policy rate last week, the Federal Funds Rate , FFR, over which it has strong influence, but not complete c...
by TT
Tue Mar 21, 2017 7:21 am
Forum: Investing - Help with Personal Investments
Topic: Fed Rate hikes / Savings rates
Replies: 5
Views: 1419

Fed Rate hikes / Savings rates

I thought this was an interesting detailed analysis of saving institutions response to recent rate hikes. As one might guess when rates do increase institution are very slow to respond with increasing saving rates and although this article does not discuss lending rates the same institutions have a ...
by TT
Sun Feb 26, 2017 7:38 pm
Forum: Investing - Help with Personal Investments
Topic: Pension at the PBGC - when to begin taking
Replies: 21
Views: 2067

Re: Pension at the PBGC - when to begin taking

I would recommend researching if your pension is part of the Single Employer Plan or the Mutiemployer Plan. Here is an except from the 2016 Annual Report: On our finances — the good news is that the financial condition of our single-employer program improved by $3.5 billion during FY 2016. The progr...
by TT
Sun Sep 25, 2016 7:12 am
Forum: Personal Consumer Issues
Topic: [500 million Yahoo accounts hacked, what should you do?]
Replies: 86
Views: 7725

Re: [500 million Yahoo accounts hacked, what should you do?]

Today I went to my Yahoo account and changed the password. There were no security questions associated with my account. Victoria Can you tell me where the security questions would be located? I do not see any in my account info or in the account security. Does that mean I did not enter any? Thanks
by TT
Sun Sep 25, 2016 7:06 am
Forum: Personal Consumer Issues
Topic: [500 million Yahoo accounts hacked, what should you do?]
Replies: 86
Views: 7725

Re: [500 million Yahoo accounts hacked, what should you do?]

I don't remember if I gave Yahoo security questions or my BD. How can I find out, and how can I change them if I did? Log into your account and in the upper right hand corner you will see you name -click on account info and it will display any personal info you entered. I would advise opening accou...
by TT
Thu Sep 22, 2016 10:35 am
Forum: Personal Consumer Issues
Topic: Audi Service Dealership Cost too high? Where should I take it?
Replies: 39
Views: 8547

Re: Audi Service Dealership Cost too high? Where should I take it?

Hi I am a first time Audi Q5 - Hybrid owner. Today I took my Q5 for 35,000 mile service to the Audi dealership. The dealer said since I don't have Audi Care package, it will cost approximately $1,800 . But I can by Audi Care package for about $900 that will take care of my 35,000 miles as well 45,0...
by TT
Tue Sep 20, 2016 1:49 pm
Forum: Personal Consumer Issues
Topic: Advice on snowblower
Replies: 62
Views: 4382

Re: Advice on snowblower

I'm also going to be picking up some snow spikes (~$11) for my boots this year to make sure the hill does not give me any problems. Hoping my snow blower does not need the chains as this seems like it'd be a bit of a pain in the ass to take on and off. You will need chains with the grade you have m...
by TT
Tue Sep 20, 2016 1:38 pm
Forum: Personal Consumer Issues
Topic: Loan on $1.3MM Fixer-upper
Replies: 62
Views: 6816

Re: Loan on $1.3MM Fixer-upper

I thought I was finally in our forever home, but my wife seems to think that the commute is too far. So we're moving, and we'll end up closer to our in-laws which will provide free child-rearing help, and also top-notch schools. However, there is little inventory and half of the homes are either to...
by TT
Tue Sep 13, 2016 7:26 am
Forum: Personal Consumer Issues
Topic: Volvo & Audi SUV owners step in here
Replies: 26
Views: 3401

Re: Volvo & Audi SUV owners step in here

Over the years I have heard a number of Audi owners tell me I will never buy another one but I have never heard a Volvo owner tell me that. "that Audi left me stranded for the last time" is what I recollect. Volvo owners I know have driven them for many years and then buy another one. I w...
by TT
Mon Sep 12, 2016 6:42 pm
Forum: Personal Consumer Issues
Topic: Volvo & Audi SUV owners step in here
Replies: 26
Views: 3401

Re: Volvo & Audi SUV owners step in here

Over the years I have heard a number of Audi owners tell me I will never buy another one but I have never heard a Volvo owner tell me that. "that Audi left me stranded for the last time" is what I recollect. Volvo owners I know have driven them for many years and then buy another one.
by TT
Tue Aug 30, 2016 6:38 am
Forum: Personal Consumer Issues
Topic: My beloved Subaru just bit the dust...now what?
Replies: 27
Views: 3578

Re: My beloved Subaru just bit the dust...now what?

Find another used Subaru in good condition. I purchased a 2004 Outback in March 2013 with 159,000 miles on it as it was in great condition with service records. New front axles rods, brakes, rotors and 2 calipers = total cost of $4,900. Car now has about 195,000 miles and runs great. BTW my insuranc...
by TT
Sat Aug 20, 2016 6:51 pm
Forum: Personal Consumer Issues
Topic: Instant oatmeal vs "regular" oatmeal
Replies: 76
Views: 8242

Re: Instant oatmeal vs "regular" oatmeal

Start the day with Steel Cut Oats aka Irish oatmeal with a spoonful of dark amber grade B pure maple syrup :D
by TT
Thu Jul 21, 2016 5:14 am
Forum: Personal Consumer Issues
Topic: Urgent Chrome Update Scam
Replies: 10
Views: 2363

Re: Urgent Chrome Update Scam

Is this what the "update" message looked like? http://www.virusresearch.org/wp-content/uploads/2016/07/Remove-Urgent-Chrome-Update.jpg This is not a legit message. If you saw it, you mostly likely have adware installed on your machine. It's often bundled with other software. If it's an op...
by TT
Wed Jul 20, 2016 11:42 am
Forum: Personal Consumer Issues
Topic: Stinky Washing Machine [SOLVED]
Replies: 44
Views: 5081

Re: Stinky Washing Machine

The saleswoman at Home Depot said her chemist brother suggested running a cycle with 1/2 cup borax. She said it worked like a charm. I am planning to try it, but I keep forgetting to buy borax. Although after 20 years, I would probably buy a new washer... I would strongly recommend a front loader. ...
by TT
Wed Jul 20, 2016 11:31 am
Forum: Personal Consumer Issues
Topic: Urgent Chrome Update Scam
Replies: 10
Views: 2363

Urgent Chrome Update Scam

Today on my laptop I experienced " Urgent Chrome Update" Pop Up window during browsing the internet. I did not open or follow any directions in the window. I ran Avast, Microsoft Security Essentials, and Super Anti Spyware and nothing was found. Googling it some call it a virus , others sa...
by TT
Fri Jul 15, 2016 1:59 pm
Forum: Personal Consumer Issues
Topic: Retired a year - big loss [ :) ]
Replies: 25
Views: 5489

Re: Retired a year - big loss [ :) ]

Ditto here
The first year I retired I lost 33 lbs and was not even trying and have maintained my new weight.
At the desk and computer or sitting in a car all day transitioned to lots of physical activity every day.
by TT
Fri Jul 15, 2016 7:42 am
Forum: Personal Consumer Issues
Topic: What kind of car do Bogleheads like to drive?
Replies: 168
Views: 15488

Re: What kind of car do Bogleheads like to drive?

Safe, Reliable, reasonable cost to own, never, ever with a lien holder. :!:
by TT
Sat Jul 09, 2016 9:31 am
Forum: Personal Consumer Issues
Topic: Home inspection items for repair
Replies: 32
Views: 2610

Re: Home inspection items for repair

My wife and I are finally purchasing a home after many months searching. We had the home inspection yesterday and along with several small, non-material issues, some larger issues were discovered: -Roof has a couple missing shingles and a couple deteriorated shingles -Radon is greater than the 4.0 ...
by TT
Tue Jul 05, 2016 6:33 pm
Forum: Personal Consumer Issues
Topic: Tag Heuer wrist watch
Replies: 24
Views: 2988

Re: Tag Heuer wrist watch

I purchased a Tag chronograph quartz in 1991 and used it regularly and kept it in excellent condition. Changed battery when needed at a reputable jeweler who would check the gasket and made sure it was properly sealed. I never had any issues and my son is wearing it now for the past couple of years.
by TT
Mon Jul 04, 2016 6:02 am
Forum: Personal Consumer Issues
Topic: synthetic oil changes
Replies: 134
Views: 11056

Re: synthetic oil changes

As someone who opens up engine's on a weekly basis and see's the insides I'll tell you the longer oil changes the more sludge I see. I see more build up in today's engines than 15-20 years ago, biggest change that I see has been the change to direct injection engines. More carbon build up in cylind...
by TT
Mon Jul 04, 2016 5:55 am
Forum: Personal Consumer Issues
Topic: synthetic oil changes
Replies: 134
Views: 11056

Re: synthetic oil changes

I change at 50% of the maint minder #, syn oil only. The old oil is recycled so it's not very harmful. I do the oil changes myself (easy peasy). Just curious - if you change (and reset) at 50% for the maintenance minder, how do you know when other service is due? For example, we just hit the 105k m...
by TT
Sun Jul 03, 2016 7:56 pm
Forum: Personal Consumer Issues
Topic: synthetic oil changes
Replies: 134
Views: 11056

Re: synthetic oil changes

As someone who opens up engine's on a weekly basis and see's the insides I'll tell you the longer oil changes the more sludge I see. I see more build up in today's engines than 15-20 years ago, biggest change that I see has been the change to direct injection engines. More carbon build up in cylind...
by TT
Sun Jul 03, 2016 6:36 am
Forum: Personal Consumer Issues
Topic: synthetic oil changes
Replies: 134
Views: 11056

Re: synthetic oil changes

With the recommendations of extended oil changes don't forget to check your oil level frequently between changes as the engineers who design engines today seem to also have a tendency to design more for extending gas mileage on the window sticker than preventing oil consumption.
by TT
Sun Jul 03, 2016 6:23 am
Forum: Personal Consumer Issues
Topic: A nurse practitioner will not release my medical records! Help!
Replies: 25
Views: 3670

Re: A nurse practitioner will not release my medical records! Help!

Perhaps you should consider contacting the State Board of Nursing

-open an inquiry as to whether this practitioner is certified to practice as an NP
-file a complaint so they can investigate why she has not complied with your request

Hope this helps and good luck
by TT
Sun Jun 26, 2016 7:29 am
Forum: Personal Consumer Issues
Topic: Price of 2016 Honda Civic LX automatic
Replies: 10
Views: 1253

Re: Price of 2016 Honda Civic LX automatic

Anyone here bought a 2016 LX recently? I have done research and got a quote $500 below invoice (Invoice=$18,073, Quote= $17,500). Destination charge $835, taxes and tags are extra. The dealer is part of Sonic dealers in Northern Virginia. The salesman claimed that their price is legit with no press...
by TT
Thu Jun 16, 2016 1:30 pm
Forum: Personal Consumer Issues
Topic: washing machine [Recommendations for]
Replies: 50
Views: 9772

Re: washing machine

We have an LG without an agitator. It's horrible. It weighs the clothes by spinning to set the water level. There is no adjustment to add water. It frequently leave soap scum on the clothes. It very frequently tangles them in knots. All we believe as a result of water saving features and no agitato...
by TT
Tue May 31, 2016 10:59 am
Forum: Personal Consumer Issues
Topic: When to get first car service done
Replies: 70
Views: 8409

Re: When to get first car service done

How many times do car engines fail these days for any reason? In my circle of family and friends (some who keep their cars a long time), I can't think of any. Here are just a few: 1)2006-2009 Honda Civic engine block cracks with leaking coolant 2)2016 Honda Civic Engine problem stops sale of 2016 H...
by TT
Mon May 30, 2016 6:46 pm
Forum: Personal Consumer Issues
Topic: When to get first car service done
Replies: 70
Views: 8409

Re: When to get first car service done

How many times do car engines fail these days for any reason? In my circle of family and friends (some who keep their cars a long time), I can't think of any. Here are just a few: 1)2006-2009 Honda Civic engine block cracks with leaking coolant 2)2016 Honda Civic Engine problem stops sale of 2016 H...
by TT
Sun May 29, 2016 3:38 pm
Forum: Personal Consumer Issues
Topic: When to get first car service done
Replies: 70
Views: 8409

Re: When to get first car service done

Mileage and time are only two rough measures of the state of your car's oil. The whole purpose of Honda's Maintenance Minder is that it also considers your driving conditions. How many times has the car been started? How long was each drive? How many actual engine revolutions have occurred? Why sec...
by TT
Sun May 29, 2016 6:59 am
Forum: Personal Consumer Issues
Topic: Recall: Subaru 2015, 2016 & 2017 Legacy & Outback steering
Replies: 43
Views: 5401

Re: Recall: Subaru 2015, 2016 & 2017 Legacy & Outback steering

How much is "like crazy"? Between oil changes, I usually need to add between 1 and 2 quarts of oil. Seeing as how I've never had to add a drip of oil to any car I've owned in the last 20 years (my wife too), this is a problem. I know the 0W-20 synthetic is thin stuff, but my Prius uses it...
by TT
Sat May 28, 2016 7:36 am
Forum: Personal Consumer Issues
Topic: Recall: Subaru 2015, 2016 & 2017 Legacy & Outback steering
Replies: 43
Views: 5401

Re: Recall: Subaru 2015, 2016 & 2017 Legacy & Outback steering

How much is "like crazy"? Between oil changes, I usually need to add between 1 and 2 quarts of oil. Seeing as how I've never had to add a drip of oil to any car I've owned in the last 20 years (my wife too), this is a problem. I know the 0W-20 synthetic is thin stuff, but my Prius uses it...
by TT
Fri May 20, 2016 8:49 pm
Forum: Personal Consumer Issues
Topic: Is $2000 reasonable for bathroom permits?
Replies: 22
Views: 3264

Re: Is $2000 reasonable for bathroom permits?

We are working with a contractor who is charging us about $2000 to get the necessary permits for two bathroom remodels. He has also refused to separate his invoices into materials and labor, so we don't know how much of it is the actual cost of the permit and how much is for his work put in to obta...
by TT
Tue May 17, 2016 5:50 pm
Forum: Personal Consumer Issues
Topic: Las Vegas in July
Replies: 34
Views: 3888

Re: Las Vegas in July

Last July on my way to San Francisco when we landed in Las Vegas it was 106 degrees and I was glad to be on my way in an hour. On the way home a week later it cooled down to around 100 degrees.
by TT
Tue May 10, 2016 9:24 am
Forum: Personal Consumer Issues
Topic: Wife loves here new Speed Queen washer/dryer
Replies: 24
Views: 5770

Re: Wife loves here new Speed Queen washer/dryer

Problem with Speed Queen esp. if you have a well & septic is they use a lot of water for washing a small load. 23- 26 gallons of water for 3.3 cubic ft washer. Energy star washers use 14-16 gallons of water - much less electric and the clothes are much dryer after the spin cycle. Speed Queen pos...
by TT
Sat May 07, 2016 7:56 am
Forum: Personal Consumer Issues
Topic: discovered delivered furniture damaged
Replies: 7
Views: 1277

Re: discovered delivered furniture damaged

New dresser was delivered today. My wife was home, and had requested upon delivery that she give the dresser a close overall inspection for any damage. When I returned home from work, found a scratched/gouged area 5" wide and 1/2" high on lower edge of one end, and scratches on a leg of t...
by TT
Thu May 05, 2016 3:39 pm
Forum: Personal Consumer Issues
Topic: Duluth Trading Co Clothes Quality, Durability?
Replies: 2
Views: 904

Re: Duluth Trading Co Clothes Quality, Durability?

I have purchased some items from them and overall I would say from my experience the quality and durability are not consistent. Waffle long sleeve shirts are good. Fire hose hats are excellent- overall Fire hose products seem to be well made. Socks were terrible as they worn out very prematurely but...
by TT
Sun May 01, 2016 6:04 am
Forum: Personal Consumer Issues
Topic: Binoculars for Birding Boglehead-wise
Replies: 23
Views: 2211

Re: Binoculars for Birding Boglehead-wise

I have MINOX BD 8x44 BP which are not made any longer but you may want to think about Minox as a brand to consider. I tried many brands at B&H in NYC and the Minox brand offered excellent quality for reasonable cost.

Here is a short article that may help:
https://www.audubon.org/news/the-2014-a ... binoculars
by TT
Fri Apr 22, 2016 9:07 am
Forum: Personal Consumer Issues
Topic: Lifted Shingles on a New Home
Replies: 8
Views: 1331

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: 1560

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: 2180

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: 6407

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 ...