Search found 2219 matches

by F150HD
Tue Jul 16, 2019 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Take the cash or the free dinner?
Replies: 34
Views: 2033

Re: Take the cash or the free dinner?

prob $200 off their services, read the size 0.0001 font at the bottom of their brochure :P
by F150HD
Tue Jul 16, 2019 8:21 am
Forum: Personal Finance (Not Investing)
Topic: College cost prediction and savings for 5, 3, and newborn
Replies: 63
Views: 2852

Re: College cost prediction and savings for 5, 3, and newborn

There very well could be a revolution in education coming. DS is currently taking a couple summer courses at his expensive private college and because the schedules make his classes overlap, he's taking one as an online course. This has become a near standard at his college, where students can watc...
by F150HD
Mon Jul 15, 2019 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: House not appraising for amount we were offered!
Replies: 90
Views: 8103

Re: House not appraising for amount we were offered!

To me, thats pretty significant -not talking $1000-$5000 difference between appraisal and your listing price. Are you sure your listing price isn't too high? (begs question of Realtor) Feel like info is missing. $20k difference on a home in that price range is significant, even in a sellers market....
by F150HD
Mon Jul 15, 2019 9:55 am
Forum: Personal Finance (Not Investing)
Topic: House not appraising for amount we were offered!
Replies: 90
Views: 8103

Re: House not appraising for amount we were offered!

To me, thats pretty significant -not talking $1000-$5000 difference between appraisal and your listing price.

Are you sure your listing price isn't too high? (begs question of Realtor)

Feel like info is missing. $20k difference on a home in that price range is significant, even in a sellers market.
by F150HD
Mon Jul 15, 2019 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Paypal MC instead of Citi DoubleCash - 2% w/ more benefits
Replies: 16
Views: 1560

Re: Paypal MC instead of Citi DoubleCash - 2% w/ more benefits

I have no trust in Paypal IRT security, despite what anyone after me might type.

I have an account (as many do) as its needed on Ebay and what not, but....using it as a primary MC.....no way.

Hassle factor huge
by F150HD
Sun Jul 14, 2019 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Invest in career change to Accounting for 37 yr old? Would it be foolish?
Replies: 139
Views: 6498

Re: Invest in career change to Accounting for 37 yr old? Would it be foolish?

I currently hold an associates of business administration with a graduation date of 2006. I've been a CNC machinist/programmer for the past few years and find production work extremely unfulfilling. I've pretty much already topped out on pay and feel stagnant knowing I have 27 more years or so unti...
by F150HD
Sat Jul 13, 2019 7:29 pm
Forum: Personal Consumer Issues
Topic: Water Heater Anode Replacement
Replies: 32
Views: 2710

Re: Water Heater Anode Replacement

Deleted. Issue solved. Thanks.
by F150HD
Sat Jul 13, 2019 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Can my brother afford his vacation?
Replies: 41
Views: 3610

Re: Can my brother afford his vacation?

unclear on the point of this thread.
by F150HD
Fri Jul 12, 2019 7:56 am
Forum: Personal Consumer Issues
Topic: How to encrypt Cloud backups?
Replies: 54
Views: 3418

Re: How to encrypt Cloud backups?

"How to encrypt Cloud backups?" - Have wondered this same thing...but many options I've read about, I always fear using program X, and the company then disappears a year later once you're up and running. Or the software fails and you cannot un-encrypt the files/data. Throw in a Windows 10 update tha...
by F150HD
Fri Jul 12, 2019 7:39 am
Forum: Personal Finance (Not Investing)
Topic: How to Safely Share User IDs / Passwords with Spouse
Replies: 72
Views: 4776

Re: How to Safely Share User IDs / Passwords with Spouse

doug1022 wrote:
Thu Jul 11, 2019 5:53 pm
...With that said, one thing I struggle with is how to easily share all of our (ever changing) user IDs and passwords for our financial accounts...
Not sure who here uses this but.... https://www.fidsafe.com/how-it-works/
by F150HD
Fri Jul 12, 2019 7:27 am
Forum: Personal Consumer Issues
Topic: Should I Buy a Motorcycle?
Replies: 59
Views: 2575

Re: Should I Buy a Motorcycle?

home purchase (big) trumps vehicle purchase (and I ride). Having another loan that reduces your spendable income may hurt your borrowing power too (for the home). Guessing you already knew that.
For now, go used (something cheap) or wait till the home is up and running.
by F150HD
Thu Jul 11, 2019 11:12 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Expands Their Index Fund Lineup
Replies: 46
Views: 4825

Re: Fidelity Expands Their Index Fund Lineup

FISVX vs VSIAX....hmmmmm
by F150HD
Wed Jul 10, 2019 8:57 am
Forum: Personal Consumer Issues
Topic: Pickup truck issue!!
Replies: 39
Views: 2755

Re: Pickup truck issue!!

OP - does this truck have the water drain petcock on the low pressure pump which requires draining every 30 days or so?
by F150HD
Wed Jul 10, 2019 8:06 am
Forum: Personal Consumer Issues
Topic: Pickup truck issue!!
Replies: 39
Views: 2755

Re: Pickup truck issue!!

finite_difference wrote:
Tue Jul 09, 2019 9:21 pm
What’s wrong with it?
:?: Sentence #2 from post #1
It apparently will soon need a high pressure fuel pump
by F150HD
Tue Jul 09, 2019 8:46 am
Forum: Personal Consumer Issues
Topic: Survived the First Week [of retirement, what's next?]
Replies: 69
Views: 7738

Re: Survived the First Week [of retirement, what's next?]

OP- based upon your post, I'd take the contractor gig. Keeps your mind active. Sounds like SO will be working anyway so its not like you're going on big trips together for months at a time.
by F150HD
Sun Jul 07, 2019 10:18 am
Forum: Investing - Theory, News & General
Topic: John Bogle says investors don't need to own international stocks​
Replies: 42
Views: 3020

Re: John Bogle says investors don't need to own international stocks​

TropikThunder wrote:
Sun Jul 07, 2019 2:15 am
OP, you’ve been on the board for 8 and a half years. Have you not seen any of the hundreds of Int’l threads saying the exact same thing? Why would you post this as if it was a revelation? Even your link is from 2 years ago.
LOL
by F150HD
Fri Jul 05, 2019 10:36 pm
Forum: Personal Consumer Issues
Topic: Reservations about purchasing a 16 year old house
Replies: 65
Views: 4706

Re: Reservations about purchasing a 16 year old house

based upon your post, you should be looking at brand new homes in newly built subdivisions. The ones where they cut down all the trees and build then you have huge wide open spaces which are....not aesthetically appealing, But hey, you'll have a new water heater. :happy Where I live, I sometimes qu...
by F150HD
Thu Jul 04, 2019 10:01 am
Forum: Investing - Theory, News & General
Topic: Blockbuster
Replies: 34
Views: 3050

Re: Blockbuster

This morning I was reading about Blockbuster and stumbled across this article - https://www.dmagazine.com/business-economy/2018/04/former-ceo-jim-keyes-why-blockbuster-really-died-and-what-we-can-learn-from-it/ - where Jim Keyes, Blockbuster's former CEO, said the main reason they went Bankrupt was...
by F150HD
Thu Jul 04, 2019 9:47 am
Forum: Personal Consumer Issues
Topic: Reservations about purchasing a 16 year old house
Replies: 65
Views: 4706

Re: Reservations about purchasing a 16 year old house

based upon your post, you should be looking at brand new homes in newly built subdivisions. The ones where they cut down all the trees and build then you have huge wide open spaces which are....not aesthetically appealing, But hey, you'll have a new water heater. :happy Where I live, I sometimes que...
by F150HD
Wed Jul 03, 2019 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 337
Views: 26091

Re: Selling home- Demanding Buyer (Repairs)

You might want/need to accept a slightly lower offer from someone without such a contingency. Put yourself back several weeks. You'd have taken a slightly lower "no trouble" offer, right? +1 then shoot for a 30 day close. I cannot recall what market this is in (kinda important), where I live, norma...
by F150HD
Mon Jul 01, 2019 11:08 pm
Forum: Personal Finance (Not Investing)
Topic: Lock in 30y Mortgage Rate at 3.875%?
Replies: 56
Views: 4217

Re: Lock in 30y Mortgage Rate at 3.875%?

I'm not a fan of 30 year mortgages after I started with one in 2009 at 4.875%. I refinance 3 years ago to a 15 at 3.7%. I gently warm my friends against them b/c of the low ratio of principle to interest you pay during the first 10 years. That principle barely budges. Just about rate - 3.875% is a ...
by F150HD
Mon Jul 01, 2019 11:03 pm
Forum: Personal Consumer Issues
Topic: What do you do if you get in an accident?
Replies: 26
Views: 1936

Re: What do you do if you get in an accident?

if you live in a no-fault state you let your insurer manage it. You should check for your state to see how its managed, as different states seem to manage it differently.
by F150HD
Mon Jul 01, 2019 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: Question of integrity
Replies: 34
Views: 3113

Re: Question of integrity

Interesting this is a bit recursive....as you are looking at doing exactly what someone else did which landed you the position you are looking to leave. Its kinda like you were picked 2nd for your current job (?) at least that's how it comes across. I'd entertain leaving....assuming all things are e...
by F150HD
Mon Jul 01, 2019 10:22 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1279
Views: 119910

Re: U.S. stocks continue to soar!

Ran across this today...just interesting. What Just Happened Also Occurred Before The Last 7 U.S. Recessions. Reason To Worry? ...on Sunday, an inauspicious milestone was achieved: The yield curve remained inverted for three months, or an entire quarter, which has for half a century been a clear sig...
by F150HD
Mon Jul 01, 2019 5:48 pm
Forum: Personal Consumer Issues
Topic: Windows Defender and Malwarebytes
Replies: 17
Views: 1534

Re: Windows Defender and Malwarebytes

have little to no trust in Windows updates..they always mar something up on my system. :( an entire thread on it here somewhere. Regardless, I run Norton Security. I figure, I'd rather pay a company who specializes in security to protect me while I'm accessing finances online or whatnot vs a company...
by F150HD
Mon Jul 01, 2019 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Would we regret buying a 2nd home?
Replies: 90
Views: 7919

Re: Would we regret buying a 2nd home?

It may be different after I retire, but I do not really have the time to do all the upkeep on one home/small farm. I can't imagine having two. lol....+1 I enjoy working at the house, but having 2 to maintain would be frustrating. Esp a 2nd home that is supposed to be a 'vacation' home....having to ...
by F150HD
Mon Jul 01, 2019 5:32 pm
Forum: Personal Consumer Issues
Topic: Are you a serious DIYer?
Replies: 84
Views: 5686

Re: Are you a serious DIYer?

I enjoy doing as much as possible for two reason. 1-it's (usually) a lot cheaper and 2-it gives me a chance to do something completely different from my day job where I sit behind a desk all day. +1 Love the sound of a nail gun in the morning :happy Am not sure if this is 'secret code' for somethin...
by F150HD
Mon Jul 01, 2019 5:30 pm
Forum: Personal Consumer Issues
Topic: Wood burning stoves
Replies: 29
Views: 1765

Re: Wood burning stoves

may want to call your home insurer to see how (of if) this could invalidate a homeowners policy....just before you bite into it too hard.
by F150HD
Mon Jul 01, 2019 12:02 am
Forum: Personal Finance (Not Investing)
Topic: first time home buying
Replies: 9
Views: 934

Re: first time home buying

get PDFs of taxes, W2s, bank statements, paychecks etc organized as you'll need them once you formally go to qualify for the loan. Easier to aggregate all this before hand then its just a simple upload once you're moving forward. You can get some quotes here https://www.aimloan.com/ I found that 'Go...
by F150HD
Sun Jun 30, 2019 11:42 pm
Forum: Personal Consumer Issues
Topic: anyone in the market for a lawn tractor?
Replies: 31
Views: 1899

Re: anyone in the market for a lawn tractor?

if you can wait till late Fall or Winter to buy you'll prob score a better deal.
flat lawn....a self propelled walker would be a good way to get a little workout in.
Or, consider mowing 1/2 the lawn every other week if time is an issue.
by F150HD
Thu Jun 27, 2019 11:20 pm
Forum: Personal Consumer Issues
Topic: firm large mattress
Replies: 9
Views: 847

Re: firm large mattress

willthrill81 wrote:
Thu Jun 27, 2019 12:09 pm
I'm 73 inches and find a standard king to be plenty long. I prefer a softer bed than my DW, but we found that a Sealy Kelburn ii, a hybrid mattress, was very good for both of us. Sealy has one or two other hybrid mattresses that are firmer, IIRC.
clarify the hybrid? saw one today....
by F150HD
Thu Jun 27, 2019 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: TransUnion website alert️!
Replies: 14
Views: 1315

Re: TransUnion website alert️!

just logged in fine, then logged out.
by F150HD
Thu Jun 27, 2019 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Neighbor Keeps Mildy Trespassing
Replies: 19
Views: 2908

Re: Neighbor Keeps Mildy Trespassing

In before the lock..... :D
by F150HD
Wed Jun 26, 2019 9:27 pm
Forum: Personal Consumer Issues
Topic: bare root trees - best place or website to purchase from?
Replies: 53
Views: 3462

Re: bare root trees - best place or website to purchase from?

If you have any people that live close by with forested areas on their property, they might let you take a few evergreen seedlings. I found one in a flowerbed and moved it to another corner of my yard and it seems to be doing fine. I have a maple tree growing in my backyard and one in the front yar...
by F150HD
Wed Jun 26, 2019 11:04 am
Forum: Personal Consumer Issues
Topic: bare root trees - best place or website to purchase from?
Replies: 53
Views: 3462

Re: bare root trees - best place or website to purchase from?

Take pictures! We have pictures of our two-plus acres of mostly grass with a few trees here when we moved in. We planted ~600 trees (mostly from Muesser, half conifer, half deciduous), nearly 20 years ago. The periodic photos reveal astounding differences. I can remember mowing between the baby tre...
by F150HD
Tue Jun 25, 2019 8:52 pm
Forum: Personal Consumer Issues
Topic: bare root trees - best place or website to purchase from?
Replies: 53
Views: 3462

Re: bare root trees - best place or website to purchase from?

Another thought. I experimented last year with planting acorns from my bur oaks and with hickory nuts from my brothers grove of shag bark hickory. I have gotten surprisingly good germination from the acorns and think the hickory nuts, while very slow, are beginning to show. Tim I tried a few old ac...
by F150HD
Tue Jun 25, 2019 8:50 pm
Forum: Personal Consumer Issues
Topic: bare root trees - best place or website to purchase from?
Replies: 53
Views: 3462

Re: bare root trees - best place or website to purchase from?

St. Lawrence Nursery in Potsdam NY has bare root fruit and nut trees. They are in a colder zone that you I believe. I live near there and have used them for many years. Tim Edit....this nursery ships in the spring. Best time to plant then is as soon as the frost is out of the ground. yes, now I kno...
by F150HD
Tue Jun 25, 2019 8:52 am
Forum: Personal Consumer Issues
Topic: bare root trees - best place or website to purchase from?
Replies: 53
Views: 3462

Re: bare root trees - best place or website to purchase from?

Update. I did order from Musser in late April, trees arrived in early May. 60 hardwood saplings, 60 evergreen saplings (privacy, windbreaks). They took quite a while to plant, 5-6 days (after work and weekend). Its not quite as quick as one would think. One reason is the tree tubes, they have appear...
by F150HD
Mon Jun 24, 2019 10:45 pm
Forum: Personal Consumer Issues
Topic: Facebook reading our minds?
Replies: 37
Views: 3435

Re: Facebook reading our minds?

not surprising. On Android, FB messenger reads and scans all of your texts. It's like giving them your personal diary. Many folks install apps not reading the permissions and realizing how much privacy they are giving up.

Google tracks you via phone even when its in airplane mode.
by F150HD
Mon Jun 24, 2019 11:11 am
Forum: Personal Consumer Issues
Topic: Clearing undergrowth and bush
Replies: 37
Views: 2336

Re: Clearing undergrowth and bush

JPH wrote:
Mon Jun 24, 2019 7:54 am
Watch out for poison ivy.
lol....which is exactly what I got clearing undergrowth a few weeks ago. Have never had it before so had to look up what the plant looks like. Anyway, anytime I enter the brush now, I have long sleeve and pants on.
by F150HD
Mon Jun 24, 2019 11:08 am
Forum: Investing - Theory, News & General
Topic: Vanguard Small Cap Growth Fund or Info Tech ETF?
Replies: 9
Views: 861

Re: Vanguard Small Cap Growth Fund or Info Tech ETF?

Have seen this referenced in small cap value threads..... viewtopic.php?t=106533
by F150HD
Mon Jun 24, 2019 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Tenant identity theft issue on lease
Replies: 40
Views: 4084

Re: Tenant identity theft issue on lease

a bit confusing, so they are already tenants? as you said they just sent back the lease (?)...but then you said there is rent delinquency which means they are already renting from you?
by F150HD
Sun Jun 23, 2019 11:52 am
Forum: Personal Consumer Issues
Topic: Outdoor vs Indoor HD antenna
Replies: 31
Views: 1322

Re: Outdoor vs Indoor HD antenna

OTA tv is fine for me at times, don't always need 100 channels to watch, esp in summer when busy. But, when things went HD, it seemed getting anything in has become a chore- constant antenna fiddling to get channels in. At least pre-HD things would come in fuzzy w/ an antenna, but at least they'd co...
by F150HD
Sun Jun 23, 2019 11:15 am
Forum: Personal Consumer Issues
Topic: roofer randomly showing up to home
Replies: 28
Views: 860

Re: roofer randomly showing up to home

case closed, no more replies needed. Thanks.
by F150HD
Sun Jun 23, 2019 11:14 am
Forum: Personal Consumer Issues
Topic: roofer randomly showing up to home
Replies: 28
Views: 860

Re: roofer randomly showing up to home

Smells like classism to me. Your suspicions of your fellow man are disappointing. I bet there are a few other minutia you are withholding. Everybody works in their own style, if you can’t adapt then at least have the decency to not accuse someone of casing your home. As others have said this is not...
by F150HD
Sun Jun 23, 2019 11:09 am
Forum: Personal Consumer Issues
Topic: roofer randomly showing up to home
Replies: 28
Views: 860

Re: roofer randomly showing up to home

I read and understand everything you said. However... Nothing he did surprises me at all. And I'm frankly amazed that you've never experienced this sort of contractor! There are many professional contractors - but many more who are not. I'd count yourself lucky if you've only dealt with the good on...
by F150HD
Sun Jun 23, 2019 10:38 am
Forum: Personal Consumer Issues
Topic: roofer randomly showing up to home
Replies: 28
Views: 860

Re: roofer randomly showing up to home

To further post #1, the guy didn't take any measurements on site. When leaving he stated he would return to 'take measurements', I asked "when would that be?" He was vague about it and wouldn't give a day and time. So this implies he would be randomly showing up to the home a 2nd time. Ahhhh, no. I'...
by F150HD
Sun Jun 23, 2019 10:25 am
Forum: Personal Consumer Issues
Topic: How do you approach tipping at carry-out restaurants
Replies: 111
Views: 7506

Re: How do you approach tipping at carry-out restaurants

when going to the grocery store and buying items you can immediately consume, do you tip the cashier? Am guessing not. Tipping at take out is no different (to me).
by F150HD
Sun Jun 23, 2019 10:15 am
Forum: Personal Consumer Issues
Topic: Grand Canyon/Death Valley in October
Replies: 17
Views: 1148

Re: Grand Canyon/Death Valley in October

Have been to each, but having the kids involved....maybe look at Utah instead. Multiple national parks there....super cool state. Still driving involved, but.... https://utah.com/national-parks https://utah.com/five-national-parks-five-days Park passes - https://www.nps.gov/planyourvisit/passes.htm