Search found 26 matches

by ZapRowsdower
Tue Nov 06, 2018 4:37 pm
Forum: Personal Consumer Issues
Topic: Need ideas for unusual gifts for preteen boy
Replies: 27
Views: 1661

Re: Need ideas for unusual gifts for preteen boy

A successful gift strategy I've used with my son(now 16) for years is to give him things that will encourage us to spend time together. For example, one year I got him camping gear for our yearly trips together, it really got him excited for our first trip that spring. Another year an RC truck(Traxx...
by ZapRowsdower
Tue Sep 25, 2018 7:14 am
Forum: Personal Consumer Issues
Topic: Oil change interval for low-mileage vehicles
Replies: 89
Views: 6082

Re: Oil change interval for low-mileage vehicles

I'm in the same boat as you, I'm a telecommuter and put about 4k per year on my vehicle. My service manual recommends once per year or every 10k with synthetic, bumping that up to once every 6 months or 5k if you have frequent short trips. A fair amount of my trips are short, so I stick with their r...
by ZapRowsdower
Fri Sep 21, 2018 9:27 am
Forum: Personal Consumer Issues
Topic: Need iPhone case recommendations
Replies: 19
Views: 1146

Re: Need iPhone case recommendations

Another vote for the OtterBox Defender, if available for your phone. I've had one of these on every iPhone I've owned for the last 8 years and never had so much as a scratch on them under the case. I've dropped or accidentally thrown my phones many times in these and wouldn't own a phone without one...
by ZapRowsdower
Tue Jul 24, 2018 7:29 am
Forum: Personal Consumer Issues
Topic: New mailbox and post, plus install
Replies: 16
Views: 1254

Re: New mailbox and post, plus install

ETA: Looks like someone posted while I was writing this that is using the same setup, two votes for the easy way :happy My mailbox was installed with something similar to this: https://www.homedepot.com/p/Simpson-Strong-Tie-12-Gauge-Black-Powder-Coated-E-Z-Spike-FPBS44/100655352. The one I have does...
by ZapRowsdower
Mon Jul 16, 2018 3:33 pm
Forum: Personal Consumer Issues
Topic: How much did your braces/invisalign braces cost?
Replies: 32
Views: 2936

Re: How much did your braces/invisalign braces cost?

First kid was about 6500, second kid was 6200 as they gave me a family discount. I shopped around some, and prices didn't vary all that much around here. Might be dependent on location. I will say that the orthodontist we chose has been wonderful and I'm glad I didn't shop by price alone. FWIW one w...
by ZapRowsdower
Tue Jul 03, 2018 10:49 am
Forum: Personal Consumer Issues
Topic: How do I fix my heating bill?
Replies: 73
Views: 3705

Re: How do I fix my heating bill?

Have you considered adding a pellet stove if burning wood isn't an attractive option? It does require some work and delivery/storage/moving of pellets, but electricity usage to run it should be minimal. You can get a model with a thermostat that would allow you to regulate temperature pretty well. Y...
by ZapRowsdower
Mon Jun 04, 2018 7:56 am
Forum: Personal Finance (Not Investing)
Topic: What have you tapped your emergency fund for?
Replies: 15
Views: 1894

Re: What have you tapped your emergency fund for?

Medical expenses for me(hospital visit), two sets of braces(discount if paid in full up front) for my children.
by ZapRowsdower
Fri Apr 06, 2018 9:39 am
Forum: Personal Consumer Issues
Topic: Waterbury, Stowe, Burlington, VT
Replies: 12
Views: 870

Re: Waterbury, Stowe, Burlington, VT

I visit Burlington pretty frequently for work and the farmhouse(http://www.farmhousetg.com/) is a place that I always stop at. They have a great selection of beers on tap, and the food is good too, although a bit pricey. If you're looking for a great sandwich shop, check out Martones over in Essex.
by ZapRowsdower
Tue Mar 27, 2018 3:52 pm
Forum: Personal Consumer Issues
Topic: Recurring brake rotor problem
Replies: 31
Views: 2232

Re: Recurring brake rotor problem

I had to put a 4' cheater pipe on my lug wrench to loosen them after I had new tires installed. I'd avoid wherever you had the install done. 80 foot pounds is about average for max torque on lug nuts. This requires only about 9 inches of lug wrench for an average person. Putting lug nuts on with a ...
by ZapRowsdower
Mon Mar 26, 2018 3:33 pm
Forum: Personal Consumer Issues
Topic: Recurring brake rotor problem
Replies: 31
Views: 2232

Re: Recurring brake rotor problem

Severe over tightening of the lug nuts can cause this over time. Those lug nuts should be tightened to a manufacturer specified range of ft lbs. Many mechanics put an impact gun on them and crank the snot out of them. Sometimes this can be 1.5x, 2x or more of the requirements. I've seen professiona...
by ZapRowsdower
Mon Jan 22, 2018 2:51 pm
Forum: Personal Consumer Issues
Topic: Cutting cable
Replies: 51
Views: 3577

Re: Cutting cable

We already had Netflix and Amazon Prime channels, so with Sling we get most of what we want. Sling is a good interface, feels like a modern interpretation of the cable box. Sometimes the interface is a bit slow. They do their own ad insertion on some networks which can be annoying (playing the same...
by ZapRowsdower
Fri Jan 12, 2018 1:27 pm
Forum: Personal Consumer Issues
Topic: 0W-20 Synthetic Motor Oil
Replies: 58
Views: 7685

Re: 0W-20 Synthetic Motor Oil

The last couple years Mobil has been doing a rebate offer in the spring..$12 back for each of (max 2) 5 quart jugs. Basically 50% off. I use 0w-20 Mobil 1 in my Toyota 5.7L and will be looking for the rebate again this year.. This is exactly what I do, they've been pretty consistent the last few ye...
by ZapRowsdower
Wed Nov 08, 2017 8:23 am
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 244
Views: 32680

Re: How old are you and how much do you save for retirement a year

I'll be 39 next week, currently have: 416k in 401k(This would be much more, but I'm still recovering from a divorce) 13k in Roth 10k in HSA 63k in Taxable Savings each year: 18k in 401k plus ~10k employer match 5500 in Roth 6750 in HSA 2400 in 529s 17k in Taxable So total for me is about 50k plus my...
by ZapRowsdower
Tue Nov 07, 2017 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Poll-How much do you have in your HSA?
Replies: 50
Views: 6197

Re: Poll-How much do you have in your HSA?

Started in 2015, currently have ~10k, all invested in FSTMX. This is the first year I've maxed it out, and it's all thanks to this forum where I learned what an amazing account it is. I'll continue to max it out every year unless unforeseen circumstances pop up, and I'll continue to save receipts an...
by ZapRowsdower
Mon Nov 06, 2017 2:01 pm
Forum: Personal Consumer Issues
Topic: Got an iPhoneX
Replies: 157
Views: 14567

Re: Got an iPhoneX

@masterakeph, good point about TouchID after washing hands or taking a shower. Current owners, what case and screen protector did you select? I usually don’t spring for the insurance, but those screen repair prices are scary. I've always used Otterbox Defender. Tough as nails. I have one on my iPho...
by ZapRowsdower
Mon Nov 06, 2017 1:52 pm
Forum: Personal Consumer Issues
Topic: I Cut the Cord yesterday!
Replies: 51
Views: 5619

Re: I Cut the Cord yesterday!

Just wanted to say loud and proud that I finally cut the cord from cable yesterday! I now only get internet from Spectrum and we have youtube TV (I had to have access to ESPN) for our channels along with hulu and netflix. It feels great to return all of the equipment to Spectrum. It was funny becau...
by ZapRowsdower
Thu Sep 28, 2017 8:55 am
Forum: Personal Consumer Issues
Topic: liability of selling used car
Replies: 14
Views: 2530

Re: liability of selling used car

I just went through this same decision process with my old truck that I used for around the house chores. Still ran well, but was rusty and had some issues. I decided to take the loss and just donate it instead of dealing with the sale, might have cost me 1000-1500 to do so, but to me it wasn't wort...
by ZapRowsdower
Thu Aug 10, 2017 12:47 pm
Forum: Investing - Theory, News & General
Topic: What Percentage CASH are you?
Replies: 168
Views: 18731

Re: What Percentage CASH are you?

3% - In emergency funds, in a savings account.
by ZapRowsdower
Wed Aug 02, 2017 8:07 am
Forum: Personal Consumer Issues
Topic: Any problem leaving a hole in ceiling of garage?
Replies: 27
Views: 3139

Re: Any problem leaving a hole in ceiling of garage?

How about one of these?

https://www.amazon.com/Oatey-34044-Acce ... B005SRVJ0U

Not sure if this is approved for a garage ceiling since it isn't airtight, but I've used these in many places that I've updated plumbing so I can get back in if need be.
by ZapRowsdower
Thu Apr 20, 2017 1:31 pm
Forum: Personal Consumer Issues
Topic: Should I purchase Apple Care for my new Apple Watch?
Replies: 25
Views: 6941

Re: Should I purchase Apple Care for my new Apple Watch?

I've had a series 1 watch for about 15 months now and I've had no damage or issues with it. I wear it while chopping firewood, painting, working on cars etc, so it's certainly not babied. I did buy a bumper style case for it that I think really cuts down on how many things I knock it into. If/when i...
by ZapRowsdower
Tue Jan 17, 2017 8:14 am
Forum: Personal Consumer Issues
Topic: Heavy duty cordless drill/hammerdrill recommendation
Replies: 42
Views: 4003

Re: Heavy duty cordless drill/hammerdrill recommendation

I have a Bosch 18v cordless hammerdrill that I bought along with an impact driver and can't say enough good things about it. I upgraded from a Milwaukee set that I also loved, but couldn't find batteries for a reasonable price anymore. The Bosch in my opinion just feels better in your hand and the b...
by ZapRowsdower
Fri Dec 02, 2016 8:36 am
Forum: Personal Consumer Issues
Topic: Rock hit car windshield, where to repair?
Replies: 24
Views: 3071

Re: Rock hit car windshield, where to repair?

Another vote for Safelite, I've had them replace windshields both out of pocket and through my insurance in the past with great results and zero inconvenience. As far as replace vs repair, one thing to consider is that with an area that large, you may try a repair and then end up replacing down the ...
by ZapRowsdower
Fri Dec 02, 2016 8:32 am
Forum: Personal Consumer Issues
Topic: Lexus (and Toyota) Owners --- Routine Service ??
Replies: 29
Views: 4206

Re: Lexus (and Toyota) Owners --- Routine Service ??

I bought a new Toyota Highlander last year that came with 2 years of free maintenance(upped to 3 because of some issues with the purchase process). Because of this, it's the first vehicle I've taken to the dealership for service. Working from home, my visits are time based instead of mileage, so my ...
by ZapRowsdower
Tue Nov 08, 2016 3:35 pm
Forum: Personal Consumer Issues
Topic: Battery backup for cable modem and router.
Replies: 36
Views: 8240

Re: Battery backup for cable modem and router.

Dottie57 wrote:
What a great 2 in 1 idea. Car and office. Thanks!
You're very welcome Dottie!
by ZapRowsdower
Tue Nov 08, 2016 9:16 am
Forum: Personal Consumer Issues
Topic: Battery backup for cable modem and router.
Replies: 36
Views: 8240

Re: Battery backup for cable modem and router.

I work from home and need to stay connected when the power goes out. For short durations I don't bother getting my generator out. Instead I rely on a portable jump starter/power station which I already have for use when camping or jumping a car if noone else is home. To do this I have my cable modem...