Search found 2105 matches

by lthenderson
Fri Aug 18, 2017 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Jobs that pay over $100,000
Replies: 143
Views: 11616

Re: Jobs that pay over $100,000

Picking a career strictly only for the money is a recipe for a life full of misery. I would suggest your son list down his interests and you help him pick a career that fits into one of them that pays well enough.
by lthenderson
Fri Aug 18, 2017 9:23 am
Forum: Personal Consumer Issues
Topic: Little P**S Ants
Replies: 57
Views: 7367

Re: Little P**S Ants

My old house always had ant problems and everything I tried was temporary. The only good solution was to have a pest control company come lay a swath of chemicals around the outside perimeter of my house and spot treat any active colonies. For about $50 and none of my time other than writing the che...
by lthenderson
Fri Aug 18, 2017 9:21 am
Forum: Personal Consumer Issues
Topic: Hotel availability for eclipse
Replies: 8
Views: 839

Re: Hotel availability for eclipse

I expect more rooms will be available the closer we get to the eclipse and the more reliable weather forecast models become. Right now there is a storm system predicted to be in the Midwest on the day of the eclipse. No sense coming if you can't see the sun.
by lthenderson
Fri Aug 18, 2017 9:09 am
Forum: Personal Consumer Issues
Topic: Non-fiction bucket list
Replies: 58
Views: 3875

Re: Non-fiction bucket list

I've been reading non-fiction exclusively for the last 20 years and with the number of non-fiction books I have in my to-be-read pile, I think I'm good to go for at least another 10 years. I think it is impossible to answer your question without knowing your interests. Saying that however, there are...
by lthenderson
Fri Aug 18, 2017 9:01 am
Forum: Personal Consumer Issues
Topic: Powerball - $510 million?
Replies: 64
Views: 4241

Re: Powerball - $510 million?

MrNewEngland wrote:
Fri Aug 18, 2017 6:39 am
It's absolutely worth $2 to me to daydream for a few days about what I'd do with this that kind of money.
This is why I buy the occasional lottery ticket.
by lthenderson
Thu Aug 17, 2017 9:09 am
Forum: Personal Consumer Issues
Topic: Is it worth it? [demanding jobs vs time with family]
Replies: 182
Views: 10498

Re: Is it worth it? [demanding jobs vs time with family]

Been there done that. We both had demanding careers and put in long hours when our oldest was born. We too spent all our time that we could with her when home and awake but that basically amounted to just a couple hours a day. It was sad seeing her thrust into one daycare or another to meet our need...
by lthenderson
Tue Aug 15, 2017 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Spending help: Best use for $800 per month ?
Replies: 18
Views: 1546

Re: Spending help: Best use for $800 per month ?

I've been a stay at home dad to my youngest from birth to now almost age five. Some words of wisdom from my experience. Sending a kid to day care doesn't necessarily free up time. There is work in prepping a kid for day care and also dealing with all the illnesses they bring home from daycare. At ag...
by lthenderson
Tue Aug 15, 2017 10:55 am
Forum: Personal Consumer Issues
Topic: What kind of hotel do you get on business travel?
Replies: 45
Views: 3169

Re: What kind of hotel do you get on business travel?

Back when I traveled, I booked my motel more for it's location than how posh it was or amenities. I only really used my motel room for a bed while sleeping and a shower and spent most of my time at my project or seeing sights nearby.
by lthenderson
Tue Aug 15, 2017 10:50 am
Forum: Personal Consumer Issues
Topic: Big family, small house dilemma -- kid bedrooms in basement?
Replies: 23
Views: 2498

Re: Big family, small house dilemma -- kid bedrooms in basement?

Where I live, every house has a basement and probably 75% or more are finished basements with bedrooms. Like others said, there is no more privacy or teenage escape issues than typical first floor bedrooms. In our basement I built a mother-in-law suite, a family room and an office with another porti...
by lthenderson
Tue Aug 15, 2017 10:39 am
Forum: Personal Consumer Issues
Topic: Best Housing To Avoid Noise
Replies: 57
Views: 4528

Re: Best Housing To Avoid Noise

To avoid the noise in town, I suggest finding a neighborhood popular with the retired crowd. On our street there are only two houses with kids, ours and another on the far end and all the rest of the people are retired and traveling six months out of the year. We also have 2 to 5 acre lots. I rarely...
by lthenderson
Tue Aug 15, 2017 10:35 am
Forum: Personal Consumer Issues
Topic: Car Rental on Current Car Insurance Policy?
Replies: 16
Views: 1182

Re: Car Rental on Current Car Insurance Policy?

Our standard comprehensive policy includes rental cars and there is no option to opt out of it unless I drop comprehensive on all my vehicles so I guess technically I pay for it.
by lthenderson
Mon Aug 14, 2017 3:06 pm
Forum: Personal Consumer Issues
Topic: Public vs Private Elementary
Replies: 57
Views: 3130

Re: Public vs Private Elementary

I think the stressing the importance of education by parents plays a bigger role than private vs. public. However, when our Catholic private school students enter the public school system in grade 6, all of them are about half a year advanced compared to their public school peers and probably aroun...
by lthenderson
Mon Aug 14, 2017 9:32 am
Forum: Personal Consumer Issues
Topic: Where to buy glasses for eclipse viewing ?
Replies: 71
Views: 5591

Re: Where to buy glasses for eclipse viewing ?

Honestly, I am concerned enough about knock-off solar glasses that claim to have ISO 12312-2 protection but don't, that I'm sticking to a pinhole camera. Here's the American Astronomical Society page on the counterfeit problem: https://eclipse.aas.org/eye-safety/iso-certification. I have four pair ...
by lthenderson
Mon Aug 14, 2017 9:27 am
Forum: Personal Consumer Issues
Topic: Public vs Private Elementary
Replies: 57
Views: 3130

Re: Public vs Private Elementary

I think the stressing the importance of education by parents plays a bigger role than private vs. public. However, when our Catholic private school students enter the public school system in grade 6, all of them are about half a year advanced compared to their public school peers and probably around...
by lthenderson
Sun Aug 13, 2017 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Are we house poor? [Property Tax Madness]
Replies: 79
Views: 7907

Re: Property Tax Madness

My question is, is there a downside to having the appraised value of our home significantly reduced? Or, is there any advantage in having the county appraise our home at higher price? Would it affect the market value of our home if we decided to sell (hurt or help)? Do I have any other options here...
by lthenderson
Sun Aug 13, 2017 2:43 pm
Forum: Personal Consumer Issues
Topic: Upgrade car suspension or wait few more years
Replies: 17
Views: 1283

Re: Upgrade car suspension or wait few more years

Is $1000 from an independent shop? Sounds kind of steep. Maybe it's not. The guy in the other Camry thread got a quote for $1500 for the exact same procedure. Now I know his deal is bad. I just cancelled my appointment to get new ones put in my '07 vehicle for $1000 at an independent shop. The only...
by lthenderson
Sun Aug 13, 2017 2:38 pm
Forum: Personal Consumer Issues
Topic: Tub/shower/bath cleaners...your recommended products?
Replies: 19
Views: 1693

Re: Tub/shower/bath cleaners...your recommended products?

littlebird wrote:
Sun Aug 13, 2017 1:31 pm
I have found that having a whole-house water softener makes bathroom cleaning a non-problem.
This and using liquid instead of bar soap.
by lthenderson
Thu Aug 10, 2017 2:09 pm
Forum: Personal Consumer Issues
Topic: Buying a Vehicle the Old Fashioned Way
Replies: 57
Views: 5169

Re: Buying a Vehicle the Old Fashioned Way

this time I'm doing it exclusively by email. Most dealers won't talk to me this way, but I'll only buy from those which do. I won't even answer the phone, and I very tersely end the conversation if I answer by accident. I don't like being rude, but this is what car dealerships and salespeople have ...
by lthenderson
Thu Aug 10, 2017 2:02 pm
Forum: Personal Consumer Issues
Topic: Buying a Vehicle the Old Fashioned Way
Replies: 57
Views: 5169

Re: Buying a Vehicle the Old Fashioned Way

While I do not have any problems with negotiating for a purchase I do have problems with being purposely lied to and misled. That is fraud and against the law. If they purposely lied to you then you should file charges. I am sure you are kidding right? Absolutely serious. Google Auto Dealer Fraud o...
by lthenderson
Thu Aug 10, 2017 1:57 pm
Forum: Personal Consumer Issues
Topic: Buying a Vehicle the Old Fashioned Way
Replies: 57
Views: 5169

Re: Buying a Vehicle the Old Fashioned Way

You don't have to choose between (a) sitting face-to-face with salesmen vs. (b) e-mail bombing dealerships. I absolutely agree with this. My whole point for writing this is that there is an alternative to just doing email bombs which I think aren't effective at getting the lowest price. I think the...
by lthenderson
Wed Aug 09, 2017 9:43 am
Forum: Personal Consumer Issues
Topic: Buying a Vehicle the Old Fashioned Way
Replies: 57
Views: 5169

Re: Buying a Vehicle the Old Fashioned Way

$700 Scotch Guard interior, exterior paint and rust proofing protection. This stuff is BS. No way I would let a dealer do this to my brand new car. I thought they got rid of this crap years ago. I tend to believe that too but what sold me is that it came with a five year warranty. If anything stain...
by lthenderson
Wed Aug 09, 2017 9:40 am
Forum: Personal Consumer Issues
Topic: Buying a Vehicle the Old Fashioned Way
Replies: 57
Views: 5169

Re: Buying a Vehicle the Old Fashioned Way

While I do not have any problems with negotiating for a purchase I do have problems with being purposely lied to and misled. That is fraud and against the law. If they purposely lied to you then you should file charges. I am sure you are kidding right? Absolutely serious. Google Auto Dealer Fraud o...
by lthenderson
Tue Aug 08, 2017 3:51 pm
Forum: Personal Consumer Issues
Topic: Buying a Vehicle the Old Fashioned Way
Replies: 57
Views: 5169

Re: Buying a Vehicle the Old Fashioned Way

smitcat wrote:While I do not have any problems with negotiating for a purchase I do have problems with being purposely lied to and misled.
That is fraud and against the law. If they purposely lied to you then you should file charges.
by lthenderson
Tue Aug 08, 2017 10:48 am
Forum: Personal Finance (Not Investing)
Topic: How do you manage cash back rewards?
Replies: 26
Views: 2448

Re: How do you manage cash back rewards?

We just cash ours out once a year and use it towards the purchase of holiday gifts in December. Any extra we use for gift cards on ourselves.
by lthenderson
Tue Aug 08, 2017 10:45 am
Forum: Personal Consumer Issues
Topic: Climate Controlled Storage Units
Replies: 8
Views: 686

Re: Climate Controlled Storage Units

What would worry me more than climate controlled would be if it is rodent controlled.
by lthenderson
Tue Aug 08, 2017 10:42 am
Forum: Personal Consumer Issues
Topic: Metal vs Vinyl sheds
Replies: 25
Views: 1753

Re: Metal vs Vinyl sheds

If I were a thief, I would prefer vinyl to metal. The plastic handles that the padlocks go into are very easy to break. The plastic sheds often times come without liftout hinges which makes entering even easier.
by lthenderson
Tue Aug 08, 2017 10:30 am
Forum: Personal Consumer Issues
Topic: LED bulbs for enclosed fixtures
Replies: 19
Views: 1973

Re: LED bulbs for enclosed fixtures

I have ordinary LED bulbs in enclosed fixtures going on five years now with no problems. Even if they burn out tomorrow, I wouldn't hesitate to put another one in its place.
by lthenderson
Tue Aug 08, 2017 10:22 am
Forum: Personal Consumer Issues
Topic: Advise on house selling
Replies: 29
Views: 2063

Re: Advise on house selling

One thing we are contemplating doing is buying our new place and moving in before we sell so we don't have the stress of timing finding a buyer and finding a place that we like - aside from having to pay utilites, house taxes, upkeep on two properties until the house sells is there any downside to ...
by lthenderson
Tue Aug 08, 2017 10:03 am
Forum: Personal Consumer Issues
Topic: Buying a Vehicle the Old Fashioned Way
Replies: 57
Views: 5169

Re: Buying a Vehicle the Old Fashioned Way

I tried telling a newbie that I wouldn't do that, that I had a deal I was OK with for another brand. He didn't believe me. Or maybe his manager didn't. I wouldn't expect the same experience had this been the first time to see this person. In fact, two years ago when he was gone on vacation, I stopp...
by lthenderson
Tue Aug 08, 2017 9:58 am
Forum: Personal Consumer Issues
Topic: Buying a Vehicle the Old Fashioned Way
Replies: 57
Views: 5169

Re: Buying a Vehicle the Old Fashioned Way

Stealerships are not your friends no matter how well they sweet talk you or offer you "free oil changes and car washes." As I have said, I have a good friend who is a sales associate at one dealership and another who owns a dealership plus a few others acquaintances who work at them. They are good ...
by lthenderson
Tue Aug 08, 2017 9:47 am
Forum: Personal Consumer Issues
Topic: Buying a Vehicle the Old Fashioned Way
Replies: 57
Views: 5169

Re: Buying a Vehicle the Old Fashioned Way

It all depends on the local dealers and the market. In 2004 when I purchased my Sienna it was the first year after the redesign so they were selling pretty well. My local dealer would not budge from their number which was only a mere $2,000 OVER MSRP :shock: :shock: I pretty much detest the time wa...
by lthenderson
Mon Aug 07, 2017 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Panama Beach Fl 2nd home?
Replies: 4
Views: 885

Re: Panama Beach Fl 2nd home?

We have been renting places down there during the winter time for nearly a decade. Due to the hordes of people in the spring and even summer and fall months, I wouldn't ever want to own anything. Renting seems to be the best of both worlds in my case. If I was looking to own on the Florida coast, it...
by lthenderson
Mon Aug 07, 2017 3:38 pm
Forum: Personal Consumer Issues
Topic: Advise on house selling
Replies: 29
Views: 2063

Re: Advise on house selling

I've bought two houses without a realtor but have yet to sell one without using a realtor though not from lack of trying. It is a lot of work doing an adequate amount of advertising. The vast majority of the people don't understand buying a house privately and thought I was trying to scam them someh...
by lthenderson
Mon Aug 07, 2017 3:26 pm
Forum: Personal Consumer Issues
Topic: Buying a Vehicle the Old Fashioned Way
Replies: 57
Views: 5169

Re: Buying a Vehicle the Old Fashioned Way

If you want to spend a couple of weeks emailing, negotiating in person, driving around to different dealers, etc. then yes, you could probably save 5% - 10% more by doing that. Depends on what your time is worth. Saving another $3400 by emailing? I doubt that. The sales associate, whom I know perso...
by lthenderson
Mon Aug 07, 2017 10:36 am
Forum: Personal Consumer Issues
Topic: Buying a Vehicle the Old Fashioned Way
Replies: 57
Views: 5169

Buying a Vehicle the Old Fashioned Way

My Honda Odyssey has been a great vehicle but was totaled out in a hail storm and needed about $1500 worth of struts and springs so I opted to collect the insurance check and buy another vehicle. We chose the 2017 Toyota Sienna XLE w/ AWD with XLE Navigation package and All Weather mats throughout, ...
by lthenderson
Mon Aug 07, 2017 9:53 am
Forum: Personal Consumer Issues
Topic: Making a Direct Offer to Purchase a Home
Replies: 28
Views: 2381

Re: Making a Direct Offer to Purchase a Home

Our market is fairly hot but nothing like the bay area. - The offer that I am leaning toward is around 73% of the price that they mentioned and would leave some flexibility to go higher if needed (maybe 5-7%) but I don't think we would intend to go a lot higher. Assuming no realtor fees, the intend...
by lthenderson
Mon Aug 07, 2017 9:49 am
Forum: Personal Consumer Issues
Topic: The Money Issue - CBS Sunday morning
Replies: 1
Views: 937

Re: The Money Issue - CBS Sunday morning

I like the show and watch it every Sunday but this money issue was an entire compilation of repeat stories from earlier on in the year just put in one show. Normally they add a couple new stories during the summer to give you a reason to watch it again but didn't this time.
by lthenderson
Mon Aug 07, 2017 9:38 am
Forum: Personal Consumer Issues
Topic: Opticians: is there any difference in quality of Costco glasses?
Replies: 51
Views: 10294

Re: Opticians: is there any difference in quality of Costco glasses?

I got tired of paying $300 to $400 for glasses years ago so went to buying them online for the last decade never paying more than about $80 a pair with all the options that I wanted. Three weeks ago, I went to the local optometrist (private non-chain store) to get an updated prescription with full ...
by lthenderson
Fri Aug 04, 2017 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Attempted use of debit card by someone - how does this make sense??
Replies: 11
Views: 1220

Re: Attempted use of debit card by someone - how does this make sense??

I use the debit card several times a month. The card has not left my possession (except for a few moments when using it in person). Skimmers are everywhere it seems. I've found two of them at gas stations in the last year. I now never use any card swipe on an ATM or gas pump without giving it a tug...
by lthenderson
Fri Aug 04, 2017 10:52 am
Forum: Personal Consumer Issues
Topic: Mr handyman?
Replies: 14
Views: 2003

Re: Mr handyman?

I would be very hesitant to pay for something like this by the hour plus materials. I recently had 4 window trim/sills done and I got three different "all-in" quotes before deciding on a which one to use. I'm completely the opposite view. They said it would take 1 to 3 hours per window. Give them a...
by lthenderson
Fri Aug 04, 2017 10:47 am
Forum: Personal Consumer Issues
Topic: Making a Direct Offer to Purchase a Home
Replies: 28
Views: 2381

Re: Making a Direct Offer to Purchase a Home

I've purchased two houses FSBO and never used a real estate agent or a lawyer. I used google to find one of about ten thousand contracts online and modified it to meet my needs and presented it to the owner who signed and dated it along with me. The only difference in my experiences is that I took o...
by lthenderson
Fri Aug 04, 2017 10:37 am
Forum: Personal Consumer Issues
Topic: Garage ceiling bike storage
Replies: 21
Views: 1269

Re: Garage ceiling bike storage

I haven't looked at all the links yet, but are any of these systems appropriate for mounting on a sloped ceiling type garage? Mine is detached and uninsulated, so I'm hoping to mount to a ceiling rafter. My mtb is about 30 lbs and DW's bike a lb or 2 lighter. The one linked in the post right above ...
by lthenderson
Fri Aug 04, 2017 10:35 am
Forum: Personal Consumer Issues
Topic: Home Remodeling Expenses
Replies: 12
Views: 1380

Re: Home Remodeling Expenses

How do you all approach remodeling expenses? Do you tend to do all at once or in phases? Is it unreasonable to feel discomfort in spending that amount at the same time? What would you do in our situation? I tend to do things in phases especially when starting out for the first time. The primary rea...
by lthenderson
Fri Aug 04, 2017 10:28 am
Forum: Personal Consumer Issues
Topic: Garage ceiling bike storage
Replies: 21
Views: 1269

Re: Garage ceiling bike storage

We have these: http://www.homedepot.com/p/Racor-1-Bike-Ceiling-Mount-Bike-Lift-PBH-1R/100464777 Easy to install, super easy to down/up everyday. I have five of these as well and really like them. My only complaint is that the hooks as is didn't work well with the majority of my bicycle seats so I'v...
by lthenderson
Fri Aug 04, 2017 10:23 am
Forum: Personal Consumer Issues
Topic: Fence Boundary Issue
Replies: 24
Views: 1666

Re: Fence Boundary Issue

You are in the wrong so you have to move the fence. Unfortunate but happens. It could have been worse with a fence more permanent in nature.
by lthenderson
Thu Aug 03, 2017 1:55 pm
Forum: Personal Consumer Issues
Topic: To buy or not to buy... [a new car]
Replies: 43
Views: 3898

Re: To buy or not to buy...

To put things into perspective, we paid around $32,000 in student loans off in 11 months. So if we wanted to, we could knock the cars out in 18. If this is truly the case, I would drive the Pilot for the next 18 or so months while I paid off the first car loan and saved up to buy the next vehicle w...
by lthenderson
Thu Aug 03, 2017 1:49 pm
Forum: Personal Consumer Issues
Topic: How much should I fix up my house before selling?
Replies: 10
Views: 1785

Re: How much should I fix up my house before selling?

I fix up houses in a depressed Midwest town. It is impossible to really answer your questions without understanding the rest of the house and your local market. If the rest of the house has above average finishings, the type of people who want to buy such a house generally want turn key ready houses...
by lthenderson
Thu Aug 03, 2017 1:34 pm
Forum: Personal Consumer Issues
Topic: Karaoke machine/system for home use
Replies: 6
Views: 616

Re: Karaoke machine/system for home use

I'm not a karoke fan at all but married into a culture that uses them all the time. They seem to favor the Magic Sing brand because you can buy song chips as accessories to update or tailor the song selection to the audience. They come in many different languages as well as American song genres.
by lthenderson
Thu Aug 03, 2017 1:23 pm
Forum: Personal Consumer Issues
Topic: Building a cabin
Replies: 2
Views: 559

Re: Building a cabin

If you go to www.houseplans.com, they have 13 pages of cabin floor plans. https://www.houseplans.com/collection/cabin-house-plans I've built two cabins myself over the years and I usually just work with a rough sketch of a layout. They aren't complex like a house because they have all been a single ...
by lthenderson
Thu Aug 03, 2017 1:13 pm
Forum: Personal Consumer Issues
Topic: MIL wants to move in with us
Replies: 45
Views: 3297

Re: MIL wants to move in with us

I'm currently in both of your situations. I have my MIL living with me and this past March I moved my grandparents into a full spectrum retirement facility just five minutes across town. Some of my thoughts: Having a MIL living with you is definitely not for everyone. In my case she is only 69 so if...