Search found 1962 matches

by lthenderson
Fri Jun 23, 2017 11:30 am
Forum: Personal Consumer Issues
Topic: is luxury car a smarter purchase?
Replies: 101
Views: 5740

Re: is luxury car a smarter purchase?

On the other hand, in Iowa you probably don't have too many traffic jams? Where I live we don't have any traffic much less enough to jam up anything! In the county where I grew up, there still isn't a single stoplight to this day! Which brings up another point. Probably 75% of all roads in the coun...
by lthenderson
Fri Jun 23, 2017 10:58 am
Forum: Personal Consumer Issues
Topic: Which material to choose for my porch screening?
Replies: 5
Views: 392

Re: Which material to choose for my porch screening?

My recommendation would be to either watch a lot of youtube videos on the subject or hire someone to do it for you. As someone who does quite a bit of construction, I consider these pretty basic things to do but hard to explain every single step to someone who has never attempted such a project.
by lthenderson
Fri Jun 23, 2017 10:48 am
Forum: Personal Consumer Issues
Topic: Surge Protector for Refrigerator
Replies: 14
Views: 871

Re: Surge Protector for Refrigerator

Had the same thing happen due to a lightening strike a couple years back. I just bought a surge protected outlet at the local hardware store and replaced the existing one. Since you can't see it due to being behind the refrigerator, it supposedly beeps when it has been tripped. I've never had that h...
by lthenderson
Fri Jun 23, 2017 8:40 am
Forum: Personal Consumer Issues
Topic: New cars w/ no CD player -- what can I do with my CDs?
Replies: 28
Views: 1614

Re: New cars w/ no CD player -- what can I do with my CDs?

I rip all of my CDs to my computer and then sync them to my phone via iTunes. +1 I have over a 1000 songs and according to iTunes, 3.5 days worth of continual listening without a repeat on my iPhone. All my CD's (10,000+ songs and 30 days of continual listening) have been removed from their jewel c...
by lthenderson
Fri Jun 23, 2017 8:33 am
Forum: Personal Consumer Issues
Topic: Amazon purchase
Replies: 10
Views: 1410

Re: Amazon purchase

When I want to buy something from Amazon, I just go to BH site, click on Amazon.com and choose my purchase? As I understand it, then BH will receive a small referral fee but there is no charge to me? Although the Bogle Financial Literacy is a worthy charity, you can also set it up so that any numbe...
by lthenderson
Fri Jun 23, 2017 8:26 am
Forum: Personal Consumer Issues
Topic: is luxury car a smarter purchase?
Replies: 101
Views: 5740

Re: is luxury car a smarter purchase?

One thing that I never see mentioned with autonomous vehicles is how long they will last. Living in the Midwest with regular freeze thaw cycles all winter long, the roads are abysmal by spring. There are regular axle snapping potholes all over that we as drivers become familiar with and can easily a...
by lthenderson
Thu Jun 22, 2017 5:03 pm
Forum: Personal Consumer Issues
Topic: Is there "better" time of year to buy older used car?
Replies: 6
Views: 926

Re: Is there "better" time of year to buy older used car?

Generally since you don't have many similar model old used vehicles sitting around at any one time, no inventories to move and not as much traffic as a dealership lot, I think the best time to buy an used vehicle is when you see a deal. I am a big fan of eBay and setting up criteria for a particular...
by lthenderson
Thu Jun 22, 2017 4:59 pm
Forum: Personal Consumer Issues
Topic: Which material to choose for my porch screening?
Replies: 5
Views: 392

Re: Which material to choose for my porch screening?

Depending on the size, you can buy standard sized PVC sleeves that slip over existing posts. Depending on the amount of rot in existing post, I would get a new treated post, slip a PVC sleeve over it and install it. They also come with decorative pvc trim rings that dress up where it meets the groun...
by lthenderson
Thu Jun 22, 2017 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Sending money and confirming receipt?
Replies: 18
Views: 1006

Re: Sending money and confirming receipt?

nisiprius wrote:I want to receive confirmation that they have received and deposited the money. Not that they have received a piece of paper, but the money itself.


Why? You have several options to send money and receive proof that they received said money. Who cares what they do with the check afterwards?
by lthenderson
Thu Jun 22, 2017 3:38 pm
Forum: Personal Consumer Issues
Topic: iphone 7 camera clip on lens for better car pictures...
Replies: 5
Views: 447

Re: iphone 7 camera clip on lens for better car pictures...

To get the entire outside of the car in one shot, use the pano option on iphone's default camera app.
by lthenderson
Thu Jun 22, 2017 3:35 pm
Forum: Personal Consumer Issues
Topic: LG washer and dryer "NFC tag on" feature
Replies: 30
Views: 1259

Re: LG washer and dryer "NFC tag on" feature

I've never run a cleaning cycle in 30 odd years but then, I've never owned a front loader washer either. I'm also only on my second set.
by lthenderson
Thu Jun 22, 2017 3:30 pm
Forum: Personal Consumer Issues
Topic: Which material to choose for my porch screening?
Replies: 5
Views: 392

Re: Which material to choose for my porch screening?

1. PVC is absolutely the way to go. You can get it to look like wood, it can easily be painted and it never rots or oxidizes. 2. I would start by fastening some sort of sill plate all the way around the perimeter with the exception of where you are going to put a door for entrance. To fasten into br...
by lthenderson
Thu Jun 22, 2017 10:00 am
Forum: Personal Consumer Issues
Topic: Deck stain
Replies: 9
Views: 786

Re: Deck stain

For me, two advil before I went out to apply the stain was all that was needed.
by lthenderson
Wed Jun 21, 2017 12:59 pm
Forum: Personal Consumer Issues
Topic: What is your car's average cost ownership?
Replies: 69
Views: 4131

Re: What is your car's average cost ownership?

taguscove wrote:There's so much selective accounting going on.


It isn't so much selective accounting as answering a question posing a calculation that poorly represents the true cost of vehicle ownership.
by lthenderson
Wed Jun 21, 2017 9:13 am
Forum: Personal Consumer Issues
Topic: What is your car's average cost ownership?
Replies: 69
Views: 4131

Re: What is your car's average cost ownership?

20 year old Honda Civic bought brand new for $12,500. I've rebuilt the transmission once for $750 and put another $1000 worth of tires, wipers, etc over the years onto it. So all in $14,250.

That comes out to $59.38 per month.
by lthenderson
Tue Jun 20, 2017 9:27 am
Forum: Personal Consumer Issues
Topic: is luxury car a smarter purchase?
Replies: 101
Views: 5740

Re: is luxury car a smarter purchase?

As opposed to a "normal car" you're lucky to get 10 years out of that is worth far less by the time you are done with it. I've bought many "normal" cars that are already 10 years old after the original owner tired of them and ate most of the depreciation costs. I then drive them...
by lthenderson
Tue Jun 20, 2017 9:16 am
Forum: Personal Consumer Issues
Topic: Alternatives to Amazon, Freebooksy, Bookbub, etc.
Replies: 15
Views: 1273

Re: Alternatives to Amazon, Freebooksy, Bookbub, etc.

If I had to guess, I currently have around 300 to 400 books in my to-be-read pile which is actually an entire wall of built in bookcases downstairs. When I look at it and see all those unread books, I always feel unmeasurably wealthy. Consider ebooks. I have about 1000 books in an item about 6"...
by lthenderson
Mon Jun 19, 2017 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Full comprehensive or liability only?
Replies: 29
Views: 1962

Re: Full comprehensive or liability only?

In most states, it is required to have liability. When I carry comprehensive, the deductible is $1k so I generally cancel it when the assessed value of my vehicle is between $5k-10k. I have multiple vehicles so having one car disappear from my lineup isn't devastating to my lifestyle or finances. I ...
by lthenderson
Mon Jun 19, 2017 1:55 pm
Forum: Personal Consumer Issues
Topic: Trying to save money on prescription drug
Replies: 28
Views: 1272

Re: Trying to save money on prescription drug

It is illegal under the Drug Marketing Act of 1987 for anyone but the original manufacturer to bring drugs into the United States. Here is an article on the subject.

https://www.elderlawanswers.com/buying- ... legal-1204
by lthenderson
Mon Jun 19, 2017 1:49 pm
Forum: Personal Consumer Issues
Topic: Can this air compressor be saved?
Replies: 7
Views: 700

Re: Can this air compressor be saved?

I would first check the heavy duty extension cord for continuity and resistance with a multi-meter. There is probably damage to it from the first incident that isn't visible.

Here is an good example showing how that is done.

https://www.youtube.com/watch?v=gbqFr1SpITs
by lthenderson
Mon Jun 19, 2017 1:45 pm
Forum: Personal Consumer Issues
Topic: Garage Parking Aid
Replies: 22
Views: 1485

Re: Garage Parking Aid

I have owned a couple of those stop signs on a stick over the years but they don't seem to hold up very well with time and tend to flop over as the springs weaken. My end solution was to buy parking lasers that tie into the safety system of your garage door. I mount mine to the ceiling but they can ...
by lthenderson
Mon Jun 19, 2017 1:39 pm
Forum: Personal Consumer Issues
Topic: Anchor New Basketball System to Old Concrete
Replies: 1
Views: 184

Re: Anchor New Basketball System to Old Concrete

I've used Hilti epoxy anchors before to hold many tons of forces and would have no problem using them for what you are describing. They don't come out unless you bust up the concrete. For that reason, I mostly use the female threads epoxy system and add grade 8 bolts to hold whatever down so when re...
by lthenderson
Mon Jun 19, 2017 1:30 pm
Forum: Personal Consumer Issues
Topic: Insulating Walls - Worth it?
Replies: 44
Views: 5017

Re: Insulating Walls - Worth it?

To do it from the outside you would have to remove the siding and all the trim, remove the exterior casings of windows and doors, remove any flashing and housewrap AND remove the sheathing plywood. Nobody is going to do that. Not to mention if it rains while your whole house is uncovered to the bac...
by lthenderson
Mon Jun 19, 2017 11:57 am
Forum: Personal Consumer Issues
Topic: Choosing between two siding contractors
Replies: 8
Views: 618

Re: Choosing between two siding contractors

I would contact contractor one and tell him that I really would like to work with him but the other quote I had was for $4500 less and could he at least come down a bit in price. They generally will then knock a bit off. Nothing beats a contractor that you have worked with personally in the past tha...
by lthenderson
Mon Jun 19, 2017 11:49 am
Forum: Personal Consumer Issues
Topic: New Septic System for my Parents
Replies: 10
Views: 742

Re: New Septic System for my Parents

In my neck of the woods, you just get a quote from someone to install the septic system. In order to pull a permit, the county sends out their engineer (at no charge to you, to do a peculation test and tell you the size it needs to be based upon the results. Once the installation has been completed ...
by lthenderson
Mon Jun 19, 2017 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Scratched Bumper with Police on the Scene
Replies: 26
Views: 2334

Re: Scratched Bumper with Police on the Scene

I ALWAYS call my insurance agent even if I just have liability on the car. The reason is that I want my insurance agent to be prepared if for some reason the other party tries to sue me for injuries sustained months after the fact. My insurance agent contacts then soon after the accident to ascertai...
by lthenderson
Mon Jun 19, 2017 9:23 am
Forum: Personal Consumer Issues
Topic: Fermenting Vegetables
Replies: 44
Views: 3038

Re: Fermenting Vegetables

We do quite a bit. However this year I branched out after Easter and tried something different to use up all the hardboiled Easter eggs the kids had. I pickled them and I can't believe I have spent most of my life and had never eaten one before.
by lthenderson
Mon Jun 19, 2017 9:19 am
Forum: Personal Consumer Issues
Topic: Alternatives to Amazon, Freebooksy, Bookbub, etc.
Replies: 15
Views: 1273

Re: Alternatives to Amazon, Freebooksy, Bookbub, etc.

I only read non-fiction books. I get 90% of mine at estate actions, garage sales, and local used book sale fundraisers. The other 10% are books that I do't want to wait to find elsewhere to read and thus buy new. Even those I buy using giftcards or other discounts that I gather. I also have a few fr...
by lthenderson
Mon Jun 19, 2017 9:11 am
Forum: Personal Consumer Issues
Topic: Lg refrigerator vs Samsung refrigerator.
Replies: 19
Views: 1491

Re: Lg refrigerator vs Samsung refrigerator.

I always suggest calling your local appliance repairman and seeing which one he recommends. In my area it would be Samsung. I have a Kenmore Elite (made by LG) and I only discovered after purchasing that nobody will work on it because in my area, nobody can get LG parts to fix the things. The only w...
by lthenderson
Mon Jun 19, 2017 9:07 am
Forum: Personal Consumer Issues
Topic: Good camera - new baby coming
Replies: 61
Views: 3126

Re: Good camera - new baby coming

Lots of prior posts on similar requests. Personally in the easy to use category, I would just stick with my smart phone. I think point and shoot cameras are going the same direction as eight track tapes. There are lots of DSLR cameras that take great quality pictures but I wouldn't place them into t...
by lthenderson
Mon Jun 19, 2017 9:02 am
Forum: Personal Consumer Issues
Topic: Exterior Home Improvements - Order of Operations?
Replies: 10
Views: 1077

Re: Exterior Home Improvements - Order of Operations?

I would do the driveway second to last. New concrete takes up to a year to fully cure and at least about a week to ten days before I would drive a vehicle on it to prevent premature cracking. For that reason, I would get the concrete of the patio done before the driveway so if there is a pump and a ...
by lthenderson
Mon Jun 19, 2017 8:54 am
Forum: Personal Consumer Issues
Topic: New Box Spring?
Replies: 22
Views: 1143

Re: New Box Spring?

Note that most of what is sold today is NOT a "box spring" - it is a "Foundation". I am reminded of one road trip through SW Utah many years ago when I stayed at one of those motels that advertised rooms from $20 a night. I flopped down on the bed and was amazed that I didn't he...
by lthenderson
Fri Jun 16, 2017 9:12 am
Forum: Personal Consumer Issues
Topic: Who mixes android and iOS
Replies: 24
Views: 996

Re: Who mixes android and iOS

I've always been a PC guy and I have Windows on our desktop, laptop and Chromebook. Although I don't have any kind of pad since I prefer my desktop computer for surfing, I do have an iphone. Others in my family have android phones and they just don't seem as elegant or well written (software wise) a...
by lthenderson
Thu Jun 15, 2017 7:43 pm
Forum: Personal Consumer Issues
Topic: New Roof
Replies: 5
Views: 708

Re: New Roof

Roofing is hard to inspect after the fact to see if it was installed correctly. You can check somethings afterwards but not everything that needs to be inspected to make sure a good job is done. 1. Make sure the roof decking is solid and replace rotten places. 2. Make sure their is a drip edge insta...
by lthenderson
Thu Jun 15, 2017 7:31 pm
Forum: Personal Consumer Issues
Topic: Solar attic fans vs. regular turbines?
Replies: 26
Views: 1821

Re: Solar attic fans vs. regular turbines?

The majority of homes that I have seen have adequate exhaust but inadequate intake in the soffit. For some reason, many houses, especially older ones were built with way too little air intake through the soffit. Up north this can lead to ice damming in the winter and in the summer, sweltering hot at...
by lthenderson
Thu Jun 15, 2017 3:33 pm
Forum: Personal Consumer Issues
Topic: internet cost saving strategy
Replies: 38
Views: 2822

Re: internet cost saving strategy

The best way to save money is to switch providers. I can't believe you don't have a choice between more than two internet providers in urban New Jersey. I live in extremely rural America where there is not a stoplight in our entire county and I have a choice between about six to eight providers. I ...
by lthenderson
Thu Jun 15, 2017 8:25 am
Forum: Personal Consumer Issues
Topic: internet cost saving strategy
Replies: 38
Views: 2822

Re: internet cost saving strategy

The best way to save money is to switch providers. I can't believe you don't have a choice between more than two internet providers in urban New Jersey. I live in extremely rural America where there is not a stoplight in our entire county and I have a choice between about six to eight providers. I t...
by lthenderson
Thu Jun 15, 2017 8:13 am
Forum: Personal Consumer Issues
Topic: trying to join MR. MONEYMUSTACHE forum
Replies: 7
Views: 2237

Re: trying to join MR. MONEYMUSTACHE forum

It was a long time ago but I just opened up another window and searched for the question within the site to get the answer. I don't remember it being difficult.
by lthenderson
Thu Jun 15, 2017 8:10 am
Forum: Personal Consumer Issues
Topic: GE dishwasher rack coating
Replies: 18
Views: 834

Re: GE dishwasher rack coating

I expected this to be a simple, replace the upper and lower racks thing, but that turns out to cost almost $200 a rack. On GE Appliance Parts site they are listed new for $185 and $85 respectively, not $200/each. If you search by part numbers of the racks themselves, WD28X10164 WD28X10165 there are...
by lthenderson
Wed Jun 14, 2017 8:13 pm
Forum: Personal Consumer Issues
Topic: Password Managers
Replies: 58
Views: 2712

Re: Password Managers

I use the free version of Lastpass and have been happy with it. I would note that it isn't as simple using it on my mobile device as my desktop but it isn't all that difficult either. When you use the Lastpass app on your phone, in order to use the quick method, you generally have to use the webpage...
by lthenderson
Wed Jun 14, 2017 8:02 pm
Forum: Personal Consumer Issues
Topic: Cooktop died, not repairable, need recommendations
Replies: 36
Views: 1817

Re: Cooktop died, not repairable, need recommendations

Our previous electric cooktop shorted out and fried all the boards. The cost to replace the boards was more than the cost of a new cooktop, i.e. non-repairable. We went with the G.E. Cafe series cooktop though it is gas. Although I love the gas and the cooktop has worked flawlessly, they cheaped out...
by lthenderson
Wed Jun 14, 2017 1:30 pm
Forum: Personal Consumer Issues
Topic: Are there any advantages of re-plastering a garage?
Replies: 6
Views: 609

Re: Are there any advantages of re-plastering a garage?

I do a lot of work in my garage so I prefer to stud them out and hang drywall. It gives me plenty of places to hang things on the walls, inset all the electrical work so it isn't as easily damaged and gives much better acoustics. I also live in the land of four seasons so I insulate my walls as well...
by lthenderson
Wed Jun 14, 2017 1:24 pm
Forum: Personal Consumer Issues
Topic: mom wants to buy iPhone, questions
Replies: 14
Views: 883

Re: mom wants to buy iPhone, questions

Mom has a flip phone, now finally wants a iPhone. Can I go to a Verizon store and do this for her? Or does she need to be there? How does she transfer her phone number? Is it best to go through the carrier or an apple store? Are most iPhones sold at retail prices? I don't want to deal with trying t...
by lthenderson
Tue Jun 13, 2017 10:52 am
Forum: Personal Consumer Issues
Topic: Watch Batteries
Replies: 53
Views: 2251

Re: Watch Batteries

I am told that I can not put a battery in it that lasts longer than a year. My watch battery regularly lasts about five years so I don't understand this statement. I used to buy several watch batteries at a time but found that they gradually discharge by the time I need them so now I just buy one a...
by lthenderson
Tue Jun 13, 2017 10:49 am
Forum: Personal Consumer Issues
Topic: Lithium ion yard equipment batteries
Replies: 19
Views: 930

Re: Lithium ion yard equipment batteries

I love the convenience of the battery-operated equipment over gas or electric, and it is much cheaper than gas powered equipment, too. I doubt this statement is true over the life of the equipment if you count the cost of replacement batteries on these things. Modern lithium batteries don't dischar...
by lthenderson
Tue Jun 13, 2017 10:34 am
Forum: Personal Consumer Issues
Topic: Any Opticians or Optometrists out There? New Eyeglasses
Replies: 3
Views: 563

Re: Any Opticians or Optometrists out There? New Eyeglasses

From the forum guidelines:

questions on specific medical conditions are beyond the scope of the forum.


Personally I would schedule an appointment with my optometrist rather than ask for advice from anonymous strangers on a financial forum.
by lthenderson
Tue Jun 13, 2017 10:23 am
Forum: Personal Consumer Issues
Topic: Highlander vs. Pilot
Replies: 30
Views: 2973

Re: Highlander vs. Pilot

Also, might lease one of each and purchase the one we like more after 3 years. A much cheaper and faster route would be to just rent each one for a week or two before making the decision. A week with each should be more than enough time to put the thing through the paces to see which one for you. L...
by lthenderson
Tue Jun 13, 2017 10:17 am
Forum: Personal Consumer Issues
Topic: Credit Card Fraud Alert
Replies: 7
Views: 994

Re: Credit Card Fraud Alert

It happens to me with credit cards about once every five years or so but credit card companies are getting pretty good at flagging and handling these issues with minimal interruption to my life. However, I always carry a spare credit card with me just in case it happens when I'm out and about, espec...
by lthenderson
Mon Jun 12, 2017 1:58 pm
Forum: Personal Consumer Issues
Topic: Best way to book multi-city international airfare itinerary?
Replies: 23
Views: 1783

Re: Best way to book multi-city international airfare itinerary?

In the past, I have just paid a travel agent to book similar tickets like this. Their software is more sophisticated and allows them to purchase all tickets at once instead of having to separately get two itineraries and try to link them together after the fact. I have also found them to be quite re...
by lthenderson
Mon Jun 12, 2017 12:08 pm
Forum: Personal Consumer Issues
Topic: House softener system
Replies: 36
Views: 1985

Re: House softener system

We've always had an entire house water softener system. As far as brands, I always ask the local plumber who installs and services hundreds if not thousands of them. They always have a good idea of what brand is good that is available in your neck of the woods. To get your water tested, simply call ...

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