Search found 5485 matches

by leonard
Tue Aug 23, 2016 6:44 pm
Forum: Personal Consumer Issues
Topic: Whole House Fan; Brand? Considerations?
Replies: 47
Views: 2718

Re: Whole House Fan; Brand? Considerations?

Just FWIW: We're big fans (pun intended) of whole house fans. Here in Spokane cool nights and warm days are the norm. Our normal practice is to cold soak the house as much as possible in the early morning, and then close it up. It usually doesn't get above the upper 70's inside before the outside t...
by leonard
Tue Aug 23, 2016 3:51 pm
Forum: Personal Consumer Issues
Topic: Whole House Fan; Brand? Considerations?
Replies: 47
Views: 2718

Re: Whole House Fan; Brand? Considerations?

Thanks for the update! You have some great suggestions and observations too. I know you were interested in the Airscape - so let me know if you have more detailed questions regarding equipment or install. I did a few things with the install that I feel are improvement over the standard install reco...
by leonard
Tue Aug 23, 2016 1:40 pm
Forum: Personal Consumer Issues
Topic: Rented a car on business, received a parking ticket 11 months later?
Replies: 20
Views: 1392

Re: Rented a car on business, received a parking ticket 11 months later?

They likely still charge your credit card and add on additional fees. I would not ignore it. I can't a imagine that withstanding a challenge by the consumer. Remember all that fine print on the rental agreement that you likely didn't read? That is almost certainly in there. Well, we can assume it's...
by leonard
Tue Aug 23, 2016 1:10 pm
Forum: Personal Consumer Issues
Topic: Rented a car on business, received a parking ticket 11 months later?
Replies: 20
Views: 1392

Re: Rented a car on business, received a parking ticket 11 months later?

Hey All, I just received a "violation notice" from Avis for a trip to California I took about a year ago on business. The funny thing about this, I have pictures from that day and never parked anywhere I couldn't. Admittedly, the only thing I did was park in somebodies driveway (lol) on a...
by leonard
Tue Aug 23, 2016 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Accounting consultant traveling fees
Replies: 9
Views: 789

Re: Accounting consultant traveling fees

What do you think the client will pay? If they are "leaving it up to you" I suspect that they believe you will charge less than they are willing to pay. Perhaps you are currently undercharging per what they might expect? I'd charge them the full rate and expect they might counter the prop...
by leonard
Tue Aug 23, 2016 12:40 pm
Forum: Personal Consumer Issues
Topic: Rented a car on business, received a parking ticket 11 months later?
Replies: 20
Views: 1392

Re: Rented a car on business, received a parking ticket 11 months later?

oxothuk wrote:
leonard wrote:As far as I know - Avis doesn't have any law enforcement authority. I'd wait until an actually legal authority contacted me. Plus, I'd be concerned that it was a scam.

They do have the authority not to rent to you in the future.


I won't bother with drawing out the list of alternative vendors.
by leonard
Tue Aug 23, 2016 12:33 pm
Forum: Personal Consumer Issues
Topic: Rented a car on business, received a parking ticket 11 months later?
Replies: 20
Views: 1392

Re: Rented a car on business, received a parking ticket 11 months later?

Hey All, I just received a "violation notice" from Avis for a trip to California I took about a year ago on business. The funny thing about this, I have pictures from that day and never parked anywhere I couldn't. Admittedly, the only thing I did was park in somebodies driveway (lol) on a...
by leonard
Tue Aug 23, 2016 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Accounting consultant traveling fees
Replies: 9
Views: 789

Re: Accounting consultant traveling fees

What do you think the client will pay? If they are "leaving it up to you" I suspect that they believe you will charge less than they are willing to pay. Perhaps you are currently undercharging per what they might expect? I'd charge them the full rate and expect they might counter the propo...
by leonard
Tue Aug 23, 2016 11:43 am
Forum: Personal Consumer Issues
Topic: Whole House Fan; Brand? Considerations?
Replies: 47
Views: 2718

Re: Whole House Fan; Brand? Considerations?

Finally had some 90+ temps here in the PNW to really try out the whole house fan. I'll just give some cliffs notes here - so feel free to ask questions on the product and the install if you want more information. Exec Summary : for us, the WHF has kept the house much cooler than we could previously ...
by leonard
Sat Aug 20, 2016 10:40 am
Forum: Personal Consumer Issues
Topic: Has a SUV helped anyone's back?
Replies: 22
Views: 1282

Re: Has a SUV helped anyone's back?

A lot less cash in your wallet - so you'll sit more evenly if you keep it in your back pocket.
by leonard
Fri Aug 19, 2016 10:31 pm
Forum: Personal Consumer Issues
Topic: Favorite Restaurant Stop on Road Trips
Replies: 103
Views: 5763

Re: Favorite Restaurant Stop on Road Trips

Gort wrote:OK, I'll say it - McDonalds! An Egg McMuffin sandwich and coffee for breakfast. It's probably the healthiest item on their menu. I don't like to spend a lot of time at breakfast when traveling.


We get to have McMuffin's all day now.
by leonard
Fri Aug 19, 2016 10:17 pm
Forum: Personal Consumer Issues
Topic: Favorite Restaurant Stop on Road Trips
Replies: 103
Views: 5763

Re: Favorite Restaurant Stop on Road Trips

Greek food spot in a strip mall in Arcata, California. Best. Gyro. Ever.
by leonard
Thu Aug 18, 2016 5:12 pm
Forum: Investing - Help with Personal Investments
Topic: Should I hire a wealth management company to manage my money?
Replies: 15
Views: 1631

Re: Should I hire a wealth management company to manage my money?

No. In order to evaluate a wealth management company - you need to build a critical mass of knowledge around BH investing in order to choose and monitor that company. but, since you must have the knowledge to evaluate them, you'll already have enough information just to do it yourself.
by leonard
Wed Aug 17, 2016 8:53 pm
Forum: Personal Consumer Issues
Topic: The True Cost of Owning a Dog
Replies: 105
Views: 7218

Re: The True Cost of Owning a Dog

It'll cost whatever you want it to cost. In contrast to the folks who spend an arm and leg on their dogs, I buy a $45 bag of dog food about twice a year for my 10 year old Boston Terrier. That's the only expense. Seriously. And he's as healthy and happy as can be. I don't do vets, shots, vitamins, ...
by leonard
Wed Aug 17, 2016 8:52 pm
Forum: Personal Consumer Issues
Topic: The True Cost of Owning a Dog
Replies: 105
Views: 7218

Re: The True Cost of Owning a Dog

Gill wrote:
dwickenh wrote:Here Kitty Kitty :)

Dan

Really? We just invested $5,000 in two hip surgeries on our cat.
Gill


Yes. Completely dreaming if you think cats are cheaper. Especially as they age.

Also, cats are way more work than people like to believe of the supposedly independent cat.
by leonard
Wed Aug 17, 2016 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Are there any smart ways to pay off a credit card?
Replies: 27
Views: 2030

Re: Are there any smart ways to pay off a credit card?

It most likely is, but it might not be fair to assume the balance is related to bad habits. I was fortunate enough to have one outstanding student loan at about a 5-6% interest rate eligible to be paid via credit card with a less than 1% CC fee. I had a 21 month 0% introductory rate on a card and i...
by leonard
Mon Aug 15, 2016 11:05 am
Forum: Investing - Help with Personal Investments
Topic: Going short to negate going long [socially responsible investing]
Replies: 59
Views: 2951

Re: Going short to negate going long [socially responsible investing]

By refusing to invest in a company, demand for the stock is reduced, and the stock price reflects it. You should take a look at the economic difference between a "price searcher" and a "Price taker" and see if this assertion still holds up. (edited original text) Why do stock pr...
by leonard
Mon Aug 15, 2016 11:03 am
Forum: Personal Consumer Issues
Topic: Sears protection plan on heat pump ?
Replies: 14
Views: 862

Re: Sears protection plan on heat pump ?

it seems a good idea if you can afford it. It doesn't have anything to do with being a woman or doing the work yourself. Self insuring is simply the decision to setting up a cash reserve to pay in cash - rather than pay for insurance. What specific calculations are you using that indicates the insu...
by leonard
Mon Aug 15, 2016 11:00 am
Forum: Personal Consumer Issues
Topic: Are you on Facebook?
Replies: 143
Views: 7634

Re: Are you on Facebook?

No. Waste of time.
by leonard
Sat Aug 13, 2016 11:30 am
Forum: Personal Consumer Issues
Topic: Sears protection plan on heat pump ?
Replies: 14
Views: 862

Re: Sears protection plan on heat pump ?

One doesn't need to have insurance on everything. Simply self insure. Put the premiums in a heat pump replacement emergency fund.
by leonard
Sat Aug 13, 2016 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Are there any smart ways to pay off a credit card?
Replies: 27
Views: 2030

Re: Are there any smart ways to pay off a credit card?

It most likely is, but it might not be fair to assume the balance is related to bad habits. I was fortunate enough to have one outstanding student loan at about a 5-6% interest rate eligible to be paid via credit card with a less than 1% CC fee. I had a 21 month 0% introductory rate on a card and i...
by leonard
Sat Aug 13, 2016 11:19 am
Forum: Investing - Help with Personal Investments
Topic: Going short to negate going long [socially responsible investing]
Replies: 59
Views: 2951

Re: Going short to negate going long [socially responsible investing]

njboater74 wrote:By refusing to invest in a company, demand for the stock is reduced, and the stock price reflects it.


You should take a look at the economic difference between a "price searcher" and a "Price taker" and see if this assertion still holds up.
by leonard
Sat Aug 13, 2016 11:15 am
Forum: Investing - Theory, News & General
Topic: Confession~ I timed the market today
Replies: 31
Views: 3328

Re: Confession~ I timed the market today

Random Walker wrote:I actually have an advisor...


You are putting an awful lot of thought in to something for which you are paying an advisor.
by leonard
Sat Aug 13, 2016 11:08 am
Forum: Personal Consumer Issues
Topic: advice on backyard project
Replies: 20
Views: 2099

Re: advice on backyard project

1. For Fence. Go with Vinyl. Never, ever have to reseal or refinish or replace. Ugly, ugly. I have never seen a fake fence that didn't look like it was made out of plastic. Plus there is glare from white fake fences. Think of the neighbors who have to live with that. Low, Low Maintenance. I have ha...
by leonard
Fri Aug 12, 2016 11:23 am
Forum: Personal Consumer Issues
Topic: advice on backyard project
Replies: 20
Views: 2099

Re: advice on backyard project

1. For Fence. Go with Vinyl. Never, ever have to reseal or refinish or replace. Ugly, ugly. I have never seen a fake fence that didn't look like it was made out of plastic. Plus there is glare from white fake fences. Think of the neighbors who have to live with that. Low, Low Maintenance. I have ha...
by leonard
Thu Aug 11, 2016 6:29 pm
Forum: Personal Consumer Issues
Topic: How to address a college professor with a PhD (Dr. or Prof.)
Replies: 60
Views: 2724

Re: How to address a college professor with a PhD (Dr. or Prof.)

it's unfortunate that the college was not hiring more full-time, tenure-track faculty with PhDs who could be more consistently involved in their educations over the four years of their college experience, rather than a rotating set of adjuncts. How did this help the students understanding of the cu...
by leonard
Thu Aug 11, 2016 6:22 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 53
Views: 3658

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I doubt the IRS allows an extra $1k to go in to an IRA without it effecting your contribution limits.

Also, I bet Merrill has a plan for recouping the $1k, plus. I'd never trust Merrill in any way with my money ever again, not for any Xfer bonus.
by leonard
Thu Aug 11, 2016 6:17 pm
Forum: Investing - Help with Personal Investments
Topic: Going short to negate going long [socially responsible investing]
Replies: 59
Views: 2951

Re: Going short to negate going long [socially responsible investing]

Unless you are investing in IPO's - the counterparty to any option or security trade is the one that gets the money. And, you have no control over how that counterparty uses the money you provide them. They could use the money to buy fuel for their ford expedition, while smoking cigars the entire dr...
by leonard
Thu Aug 11, 2016 3:23 pm
Forum: Investing - Theory, News & General
Topic: Asymmetrical Information and Financial Markets
Replies: 12
Views: 889

Re: Asymmetrical Information and Financial Markets

I found this article very interesting. I did not realize so much had been written on the topic. At first I thought it was counter to a belief in an efficient market but upon reflection maybe the markets are only efficient in a macro sense and over the longer term. Does asymmetrical information crea...
by leonard
Thu Aug 11, 2016 3:09 pm
Forum: Personal Consumer Issues
Topic: Recommend some nice, comfy mens work socks
Replies: 16
Views: 678

Re: Recommend some nice, comfy mens work socks

I recently tried Duluth Trading company's socks. I think they are comfortable. Main thing would be to find a color that matches your attire - as they are not strictly speaking dress socks. Though - I don't think anyone would be able to tell with the dark colors.
by leonard
Thu Aug 11, 2016 2:21 pm
Forum: Personal Consumer Issues
Topic: advice on backyard project
Replies: 20
Views: 2099

Re: advice on backyard project

1. For Fence. Go with Vinyl. Never, ever have to reseal or refinish or replace. 2. For patio - go with pavers. 3. For deck - go with ZomeTek, Trex or similar. Never spend 2 summer weekends every few years pressure washing, refinishing, or replacing deck boards. All of these solutions are low mainten...
by leonard
Thu Aug 11, 2016 2:12 pm
Forum: Personal Consumer Issues
Topic: Job Offer, What Should I Do
Replies: 11
Views: 1244

Re: Job Offer, What Should I Do

In the future - always, always ask for 24 hours before providing a response. If they say "no" to 24 hours, it's not someone for which you want to work.

Also, in the future, almost always counter for a higher salary.
by leonard
Mon Aug 08, 2016 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: flipping houses
Replies: 31
Views: 3252

Re: flipping houses

I'd suggest a comprehensive portfolio review to get the complete picture for what to invest in. Seems a lot of one off, poking around happening over the last few months. I'd suggest diving in and getting the full plan together. https://www.bogleheads.org/forum/viewtopic.php?f=2&t=196703&p=30...
by leonard
Mon Aug 08, 2016 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Best housing option for my mom living by herself?
Replies: 22
Views: 2079

Re: Best housing option for my mom living by herself?

One thing to keep in mind is that you may not be able to fix this situation . If that is the case, you need to be clear about when you start throwing your own good money after bad. My guess is you are in fix it mode and not ready to hear this. But, many of us have walked this journey before. Some pe...
by leonard
Mon Aug 08, 2016 11:14 am
Forum: Personal Consumer Issues
Topic: Taxing of windows installations
Replies: 10
Views: 1030

Re: Taxing of windows installations

Windows are finished goods. One usually pays sales tax on finished goods. So, the only surprise should be that they didn't call it out on the estimate. Maybe that depends on state sales tax laws, but in TN the homeowner does not pay sales tax on finished goods if those goods are part of a contracto...
by leonard
Sat Aug 06, 2016 2:12 pm
Forum: Personal Consumer Issues
Topic: Taxing of windows installations
Replies: 10
Views: 1030

Re: Taxing of windows installations

Windows are finished goods. One usually pays sales tax on finished goods. So, the only surprise should be that they didn't call it out on the estimate.
by leonard
Sat Aug 06, 2016 10:21 am
Forum: Personal Consumer Issues
Topic: Work in Vancouver, WA..possibly live in Camas?
Replies: 50
Views: 2317

Re: Work in Vancouver, WA..possibly live in Camas?

Used to be a pulp mill near Camas as I recall. Smelled horrible. I'd never want to live there. There is a paper mill in camas not a pulp mill. It hasn't smelled in years unless you are standing next to it, they've cleaned it up. There are outdoor restaurants a block from the mill that are always pa...
by leonard
Sat Aug 06, 2016 10:08 am
Forum: Personal Consumer Issues
Topic: Work in Vancouver, WA..possibly live in Camas?
Replies: 50
Views: 2317

Re: Work in Vancouver, WA..possibly live in Camas?

Used to be a pulp mill near Camas as I recall. Smelled horrible. I'd never want to live there.
by leonard
Sat Aug 06, 2016 10:06 am
Forum: Personal Consumer Issues
Topic: new potential tenants negotiating on rent
Replies: 70
Views: 6089

Re: new potential tenants negotiating on rent

People negotiate when buying lots of things. Not necessarily a negative sign nor a "sign of trouble".

If you are firm at $1600, simply counter with that and tell them it's firm. Even better - counter with $1650. :happy
by leonard
Sat Aug 06, 2016 10:02 am
Forum: Personal Consumer Issues
Topic: Heart rate monitors
Replies: 22
Views: 1125

Re: Heart rate monitors

After using an HRM for a while for actual training - I found I didn't need it after a couple months. I could tell what HR range I was in just by level of exertion and feel. When I put the HRM back on to test - I was within a 10 bpm range of where I thought I was. Close enough and I got to wear the a...
by leonard
Thu Aug 04, 2016 8:31 pm
Forum: Investing - Theory, News & General
Topic: How to think about non-invested $
Replies: 20
Views: 1935

Re: How think about non-invested $

Cash is part of your AA - so it should be included. Doesn't make sense otherwise.
by leonard
Thu Aug 04, 2016 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Hourly Rate for Contracting - thoughts?
Replies: 29
Views: 1939

Re: Hourly Rate for Contracting - thoughts?

At my last company - the employee top line hour rate was about 80% of the bill rate to the customer. You should not settle for 50%; you're being ripped off by the company to which you are contracting - unless there is some extenuating circumstance not yet mentioned.
by leonard
Thu Aug 04, 2016 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Depending on stability of ACA marketplace for next 8 years?
Replies: 40
Views: 2898

Re: Depending on stability of ACA marketplace for next 8 years?

fpr4 wrote:I wish we could just outlaw employer provided health insurance. People would scoff if someone suggested employers providing car or home insurance.


Exactly.

I was hoping my prior employer was going to get me a good deal on Pet Insurance. Or, a bulk discount on an extended fridge warranty.
by leonard
Tue Aug 02, 2016 4:11 pm
Forum: Personal Consumer Issues
Topic: Kronotex Laminate Flooring Experience?
Replies: 0
Views: 122

Kronotex Laminate Flooring Experience?

Hello Everyone - Considering replacing some carpet flooring with some Kronotex Mammut flooring. Key features are that the flooring is 12 mm for durability and sound absorbtion AND the surface is the rated as AC05 - so it's rated for heavy commercial wear resistance. Most home laminates are either AC...
by leonard
Tue Aug 02, 2016 12:25 pm
Forum: Personal Consumer Issues
Topic: Should I flip my neighbor's house to save the neighborhood?
Replies: 72
Views: 6602

Re: Should I flip my neighbor's house to save the neighborhood?

My immediate neighbors recently moved after living in their home since the late 1970s. Looking at the state of the house, and after speaking with the individuals from the junk hauling company hired to clean it, they left it a quasi-wreck. They always kept 3-4 dogs, were borderline hoarders, never u...
by leonard
Sun Jul 31, 2016 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Liking the new Citi CC at Costco
Replies: 194
Views: 31583

Re: Liking the new Citi CC at Costco

First billing cycle successful, only have to carry one card now, and the chip is actually working in this card.

Glad they switched to VISA.
by leonard
Sun Jul 31, 2016 11:08 am
Forum: Personal Consumer Issues
Topic: Retaining wall on neighbor's property
Replies: 69
Views: 4898

Re: Retaining wall on neighbor's property

In defense of the neighbor it is never a good thing to have structures that overlap boundary lines. he has lived in his house for 20+ years and apparently has endured property rights disputes with each of the three previous owners of our house. Huge red flag. This guy is going to be a pain no matte...
by leonard
Sun Jul 31, 2016 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Convince me not to go to grad school
Replies: 45
Views: 3423

Re: Convince me not to go to grad school

I wouldn't consider grad school unless the resulting salary was well over $100k. I also wouldn't go to grad school to end up in a position with "Assistant" in the title. If you are going to invest the time and effort - you should target a profession that has a higher pay off. BTW - what i...
by leonard
Sat Jul 30, 2016 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: Leaving "on or before work anniversary" and golden handcuffs
Replies: 30
Views: 4776

Re: Leaving "on or before work anniversary" and golden handcuffs

To get cash/stocks/options "in hand" and move on. The OP specifically mentioned paybacks, not earn outs. I was trying to answer the question they asked instead of a question they didn't ask. If the OP had asked about earn outs, then I agree with you, wait until you have it in hand. Semant...
by leonard
Sat Jul 30, 2016 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: Convince me not to go to grad school
Replies: 45
Views: 3423

Re: Convince me not to go to grad school

I wouldn't consider grad school unless the resulting salary was well over $100k. I also wouldn't go to grad school to end up in a position with "Assistant" in the title. If you are going to invest the time and effort - you should target a profession that has a higher pay off. BTW - what i...

Go to advanced search