Search found 360 matches

by michaelingp
Tue Sep 29, 2020 8:57 pm
Forum: Personal Consumer Issues
Topic: Motion Detector Lights:
Replies: 14
Views: 841

Re: Motion Detector Lights:

I have struggled with motion detectors for decades. If you are relatively chill about false positives (the lights turning on when it doesn't appear to you that there was any motion) and false negatives (lights not turning on when you need them), then any of the commercially available motion detectin...
by michaelingp
Sat Sep 26, 2020 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: estate planning attorneys: how to split an inheritance?
Replies: 28
Views: 2246

Re: estate planning attorneys: how to split an inheritance?

The real complications are how to deal with kids that are born after you write up the will or even after you die. You could also outlive one of your kids. Why is this a complication? Wouldn't the will just direct that x% of the assets be divided equally among all grandchildren alive at that time? :...
by michaelingp
Sat Sep 26, 2020 10:42 am
Forum: Personal Consumer Issues
Topic: What can I expect from new golf clubs
Replies: 96
Views: 5282

Re: What can I expect from new golf clubs

An elder retiree fellow once joined our 3some. He smoked a fat cigar and it never left his mouth (no comment). Did not hit very far but stayed in the fairway all day. And, on nearly every green, he chipped once from greenside and putted "once". Displayed incredible touch from 20-30 yards out to the...
by michaelingp
Wed Sep 23, 2020 6:08 pm
Forum: Personal Consumer Issues
Topic: A simpler car.
Replies: 194
Views: 12109

Re: A simpler car.

I'm not terribly concerned about the safety aspect most cars built in the last 15 years are safe enough. If you define safety as protecting you from injury or death, I would agree with you. However, if you define safety as preventing accidents, then I'd say there is no comparison between a modern c...
by michaelingp
Tue Sep 22, 2020 4:08 pm
Forum: Personal Consumer Issues
Topic: Why buy medical insurance ?
Replies: 113
Views: 7298

Re: Why buy medical insurance ?

My DIL once asked me the same question. It was early in the year, and she had a job starting in September that guaranteed her insurance. My big concern at the time was that she could develop a chronic condition and never be able to get insurance again due to "existing condition", but that wasn't a c...
by michaelingp
Sun Sep 20, 2020 3:18 pm
Forum: Personal Consumer Issues
Topic: Microwave keeps tripping circuit breaker
Replies: 34
Views: 4580

Re: Microwave keeps tripping circuit breaker

My second thought is: once a circuit breaker has "blown" many times, I think it gets easier and easier for it to trip. Not sure how to test for this. But the breaker could be bad. I don't know enough about it to know how much of "a thing" this is. I read once that circuit breakers are only designed...
by michaelingp
Sun Sep 20, 2020 3:04 pm
Forum: Personal Consumer Issues
Topic: Grocery store didn't tell me Shingrix was $160
Replies: 197
Views: 12979

Re: Grocery store didn't tell me Shingrix was $160

We recently got our 2nd Shingrex shots at Costco. We had to wait what we considered a long time. Turns out it took the pharmacist 15 minutes on the phone to determine what our insurance would cover (all of it, it turned out). My understanding was that Costco handles shots just like they do prescript...
by michaelingp
Tue Sep 15, 2020 6:15 pm
Forum: Personal Consumer Issues
Topic: How old is a car that can still be traded in?
Replies: 52
Views: 4169

Re: How old is a car that can still be traded in?

I recently bought a new car and asked about trading in my 2004 CR-V with 180,000 miles and the salesman said $500, in a way that made me think that was just what they'd give you for any really high mileage car. Actually, they probably just try to pick the $500 back from you one way or another, so th...
by michaelingp
Tue Sep 15, 2020 5:10 pm
Forum: Personal Consumer Issues
Topic: Strategy for replacing faucet/toilet water shutoff valves?
Replies: 38
Views: 3024

Re: Strategy for replacing faucet/toilet water shutoff valves?

Below is tool I watched a plumber friend use while changing an angle stop. It has worked flawlessly for me over the last 10 years. Compression sleeve puller: https://smile.amazon.com/gp/product/B00065DH2W/ Very cool tool. After you remove the old compression sleeve, were you able to put a new one o...
by michaelingp
Tue Sep 15, 2020 2:09 pm
Forum: Personal Consumer Issues
Topic: How to effectively complain to UPS?
Replies: 20
Views: 1744

Re: How to effectively complain to UPS?

I found my Fedex helpful. When I contacted them regarding a mis-delivered package earlier this year, a customer service rep immediately compared the GPS data when the package was scanned as delivered and apologized for my inconvenience. A couple days later, Fedex brought me the missing package. I p...
by michaelingp
Sun Sep 13, 2020 7:17 pm
Forum: Personal Consumer Issues
Topic: Strategy for replacing faucet/toilet water shutoff valves?
Replies: 38
Views: 3024

Re: Strategy for replacing faucet/toilet water shutoff valves?

galawdawg wrote: Sun Sep 13, 2020 6:14 pm
Cheapo? What brand? The most common are made by Brasscraft, a brass valve with chrome plating for appearance. They are high quality and leaks are quickly, easily and inexpensively repaired with a rebuild kit.
With great information like this on BH, who needs any other forum? Seriously.
by michaelingp
Sun Sep 13, 2020 4:41 pm
Forum: Personal Consumer Issues
Topic: Strategy for replacing faucet/toilet water shutoff valves?
Replies: 38
Views: 3024

Re: Strategy for replacing faucet/toilet water shutoff valves?

I have those cheapo multi-turn compression nut water shutoff valves in the house, 10+ years old. Needed to turn a couple of the valves off recently and they had a slight leak from the valve stem, but after turning the valves off and on a few times the leak resolved. I have heard about the much supe...
by michaelingp
Mon Sep 07, 2020 7:25 am
Forum: Personal Consumer Issues
Topic: advice for light switch timer
Replies: 44
Views: 1739

Re: advice for light switch timer

I use Phillips hue bulbs for things like this and I love them. I am a big fan of Hue (at last count 29 lights installed), but for exterior lighting, they’re a bit dim. They’re okay for accent/mood lighting outdoors (I have one set up to shine on a small fountain), but IMO their lumen output is insu...
by michaelingp
Sat Sep 05, 2020 5:08 pm
Forum: Personal Investments
Topic: Do I really own anything if everything can require a Medallion signature which I can never get?
Replies: 71
Views: 7786

Re: Do I really own anything if everything can require a Medallion signature which I can never get?

I've only needed one once. But that was probably decades ago, and I had a personal relationship with the folks at the local bank. In other words, they greeted me by name when I walked in, so no issues getting the Medallion. Now I'm all on-line banking, so I have no idea where I would get one. Will F...
by michaelingp
Fri Sep 04, 2020 4:21 pm
Forum: Personal Consumer Issues
Topic: How to effectively complain to UPS?
Replies: 20
Views: 1744

Re: How to effectively complain to UPS?

OP, were these packages shipped via the slowest possible method of UPS-Mail Innovations where they ultimately get transferred to USPS for final delivery? I have had several packages recently transferred to USPS when they hit my local UPS hub. I have found that once the package is transferred to USP...
by michaelingp
Thu Sep 03, 2020 7:02 pm
Forum: Personal Consumer Issues
Topic: Where to buy disinfectant wipes?
Replies: 33
Views: 1966

Re: Where to buy disinfectant wipes?

jabberwockOG wrote: Thu Sep 03, 2020 4:46 pm Our local Home Depot was stocked to the gills with every possible kind of cleaning and disinfect products this weekend.
Same here near Washington, D.C. They used the space normally used for seasonal merch.
by michaelingp
Thu Sep 03, 2020 6:55 pm
Forum: Personal Consumer Issues
Topic: How to effectively complain to UPS?
Replies: 20
Views: 1744

Re: How to effectively complain to UPS?

I can't help you, but I can tell you I had the exact same problem with FedEx. I find this disturbing because I believe they have the technology to tell you exactly where your package was when the driver scanned it as "delivered", yet they won't share it with you, or, it seems, use it themselves to f...
by michaelingp
Wed Aug 26, 2020 7:35 pm
Forum: Personal Consumer Issues
Topic: PSA: switch to LED light bulbs and save hundreds per year
Replies: 171
Views: 11642

Re: PSA: switch to LED light bulbs and save hundreds per year

I have 44 of these in my house. Unfortunately the dimmable switches I got don't really work well with them and 1 LED in almost every room hums. :annoyed Which switch do you have? My daughter has a house built about 22 years ago. I found when I replaced the recessed lighting bulbs with LED's that I ...
by michaelingp
Mon Aug 17, 2020 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Zelle at fidelity
Replies: 7
Views: 4095

Re: Zelle at fidelity

It's over a year later. That's a lot of looking. Anyone have any more recent information?
by michaelingp
Wed Aug 12, 2020 3:02 pm
Forum: Personal Consumer Issues
Topic: More fun: drone or RC plane?
Replies: 32
Views: 2092

Re: More fun: drone or RC plane?

I agree with the others that say find a club in your area. Check out the AMA site (www.modelaircraft.org). For fixed wing, unless you are in a very rural area and know somebody with acres of land, you're best off flying at a club. I haven't flown for quite a while, and you are correct that drones (u...
by michaelingp
Wed Aug 12, 2020 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Tree section fell on my neighbor's property...who is liable
Replies: 56
Views: 5864

Re: Tree section fell on my neighbor's property...who is liable

You might not be happy, but that’s what your homeowner’s insurance is for. If it was a healthy tree before it fell, it’s your responsibility to remove it once it’s on your property. I'm pretty sure my home owner's insurance doesn't cover removing a tree that causes no damage. I've also been told th...
by michaelingp
Fri Aug 07, 2020 11:36 am
Forum: Personal Consumer Issues
Topic: How long to keep a car
Replies: 110
Views: 8748

Re: How long to keep a car

I drive a 1989 Toyota Camry. 31 years old. Great car. Air conditioning doesn't work. Just put a new battery in it. Called it the "dog car" as I hauled our dog Petey around in it until he passed. My 2004 CR-V (only 185,000 miles) is falling on hard times. For one thing, the AC doesn't work. I figure...
by michaelingp
Tue Aug 04, 2020 7:05 pm
Forum: Personal Consumer Issues
Topic: Cordless String Trimmer - 40V? 18V? 4Ah? 2.5Ah?
Replies: 33
Views: 1496

Re: Cordless String Trimmer - 40V? 18V? 4Ah? 2.5Ah?

I have an EGo 56v trimmer (also mower and blower). Well designed products. I have a pretty big yard and I can do everything with the EGo products. The products are so quiet. Well, except the blower is louder due to its function. We have the EGo trimmer and blower. Both are serious tools. My only co...
by michaelingp
Tue Aug 04, 2020 6:55 pm
Forum: Personal Consumer Issues
Topic: Speed up old computer
Replies: 64
Views: 3455

Re: Speed up old computer

I think it's new computer time. The PassMark results on that processor is 1782. I've retired many computers with faster processors than that. (Most modern computers have processors with PassMarks over 10,000.) Most likely everything else is slow too. You can fool around with start up programs and su...
by michaelingp
Mon Aug 03, 2020 11:04 am
Forum: Personal Consumer Issues
Topic: Owners of cars with 'autopilot' like features: Do you fly less and drive more for longer trips?
Replies: 31
Views: 2401

Re: Owners of cars with 'autopilot' like features: Do you fly less and drive more for longer trips?

I haven't had such a car for long enough to answer the fly-less-drive-more question, although I doubt it would make a difference. Driving to Seattle from the east coast is not really an option. But I do notice it lowers my stress level a lot as a passenger, particularly blind spot detection on a rai...
by michaelingp
Sun Aug 02, 2020 4:29 pm
Forum: Investing - Theory, News & General
Topic: Are Financial Advisors a Complete and Total Waste of Money?
Replies: 153
Views: 9287

Re: Are Financial Advisors a Complete and Total Waste of Money?

I had a friend who was totally DIY. He was miserable. I tried to educate him some, but he was in a tax bracket in which I was not comfortable giving advice. What do I know, for example, about retirement plans for high-income small business owners? Against every fiber of my being he turned everything...
by michaelingp
Sat Aug 01, 2020 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Drop Collision Insurance?
Replies: 32
Views: 2821

Re: Drop Collision Insurance?

I don't think anyone mentioned rental cars yet. If you don't have collision on any of your cars (at least with my insurance company), you don't have insurance on a rental car through your insurance. In my case, because of this, I added collision to my 16 y.o. CR-V with $500 deductible. The semi-annu...
by michaelingp
Sat Aug 01, 2020 1:41 pm
Forum: Personal Consumer Issues
Topic: Suggestions for Women's light-weight bike
Replies: 19
Views: 1057

Re: Suggestions for Women's light-weight bike

I'm in the camp that says you'll have to break the bank to get a bike that's significantly lighter. Also, I think the market for lighter bikes skews to a much younger audience, so you might be getting into a custom bike to get one that fits you. Instead, I think you should try to do what all of us a...
by michaelingp
Sat Aug 01, 2020 12:35 pm
Forum: Personal Consumer Issues
Topic: How long to keep a car
Replies: 110
Views: 8748

Re: How long to keep a car

Are people here really keeping their cars for 20 - 25 years? I doubt the typical BH keeps a car 20 or 25 years. But where do you think they go after the 17 year BH average ownership (I have no reason to doubt Hockey10's analysis)? If they still run someone buys them. I had a friend that only bought...
by michaelingp
Wed Jul 29, 2020 11:01 am
Forum: Personal Consumer Issues
Topic: Only tool I've ever used to repair a car is a Visa card: Can I replace a Camry Bumper myself?
Replies: 15
Views: 1521

Re: Only tool I've ever used to repair a car is a Visa card: Can I replace a Camry Bumper myself?

I've done this (Honda Accord), but I've done a lot of car repairs myself. It's not as easy as it looks, mostly because on an old car, the plastic pieces that the bumper connects to (the splash guards) are all beat up and the connectors move around. You may find there is damage to the sheet metal tha...
by michaelingp
Tue Jul 28, 2020 1:38 pm
Forum: Personal Consumer Issues
Topic: How do HD OTA Antennas work?
Replies: 60
Views: 5811

Re: How do HD OTA Antennas work?

One thing nobody mentioned is the tuner. I have a very old TV (it's plasma which should tell you its age) and I just don't think the digital tuner is very good (it was built in the very early years of digital TV). I went through a bunch of different antenna options, but none worked very well despite...
by michaelingp
Thu Jul 23, 2020 2:30 pm
Forum: Personal Consumer Issues
Topic: Screened in porch - Yay or Nay
Replies: 41
Views: 3240

Re: Screened in porch - Yay or Nay

My wife and I have lived in our house for 5 years, and we plan to live here for another 5-7 years. We spend a lot of time in our backyard and our pool. We keep going back and forth on screening in our back porch area. We wouldn't want anything extravagant, but an area where we could have our furnit...
by michaelingp
Thu Jul 23, 2020 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Help choosing federal health insurance
Replies: 51
Views: 3087

Re: Help choosing federal health insurance

I wish ya'll who are highly recommending Checkboook could explain how you found it to be useful. A lot of the responses on the forum say, "Do the math." In other words, try to figure out, for every plan, what your total cost is likely to be for your family and your health situation for the coming y...
by michaelingp
Mon Jul 13, 2020 7:41 pm
Forum: Personal Consumer Issues
Topic: Visiting dentist during pandemic (still under stay home orders)
Replies: 30
Views: 2496

Re: Visiting dentist during pandemic (still under stay home orders)

I had my teeth cleaned a few weeks ago. I felt much safer than, say, grocery shopping. My dentist said they've always been extremely careful about bacteria, so the extra precautions for this virus weren't that big a deal for him. They did scrape rather than use the ultra-sonic cleaner, and the hygie...
by michaelingp
Thu Jul 09, 2020 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: How Much Does a Car Salesperson Make on a New Car Sale?
Replies: 102
Views: 11505

Re: How Much Does a Car Salesperson Make on a New Car Sale?

My daughter is a super negotiator. I was with her when she bought her Accord (this was maybe 10 years ago). The salesman was all friendly and happy. Then we went in the back room, and declined every single money-making (for the dealer) deal that was offered, and she paid cash. When we came out, ever...
by michaelingp
Mon Jul 06, 2020 7:18 pm
Forum: Personal Consumer Issues
Topic: Thought about buying a small motor home, but the market is crazy
Replies: 90
Views: 7218

Re: Thought about buying a small motor home, but the market is crazy

First-come, first-served sites are available at many campgrounds if you get there early and don't mind waiting for someone else to check out, but the uncertainty involved scares a lot of people. Uncertainty is the least of it. If you asked my wife and I for the worst experience in 40 years of campi...
by michaelingp
Fri Jul 03, 2020 6:49 pm
Forum: Personal Consumer Issues
Topic: Encryption for the cloud
Replies: 19
Views: 1485

Re: Encryption for the cloud

Are there any solid encryption apps (again, not traditional software) that can encrypt files without requiring me to provide my Google password? Or am I making too big of a deal out of Boxcryptor's requirement? I believe you are. How else would Boxcryptor access your Drive if it doesn't have the pa...
by michaelingp
Wed Jul 01, 2020 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: Help choosing federal health insurance
Replies: 51
Views: 3087

Re: Help choosing federal health insurance

Go to checkbook.org and get the Guide to Health Plans for Federal Employees.
by michaelingp
Mon Jun 29, 2020 8:01 pm
Forum: Personal Consumer Issues
Topic: Perpetual vs Subscription License - Microsoft Office
Replies: 41
Views: 2416

Re: Perpetual vs Subscription License - Microsoft Office

Like others here, I'm still running Office 2010 and have really seen no reason to upgrade. Everything works fine which is pretty amazing for 10 y.o. software. I work with people at all different levels of Office, and they don't seem to have many features I don't have. One issue for us is we use Publ...
by michaelingp
Tue Jun 23, 2020 12:21 pm
Forum: Personal Consumer Issues
Topic: Tipping Tree Trimming
Replies: 62
Views: 3270

Re: Tipping Tree Trimming

Looks like I'm in the minority here. I really loved our roofers. They were so responsive, did a great job, and I just liked the guys. It was like they would do anything for me. The job was $18,000. I wanted to reward them, but there were at least 10 guys, some worked some days, some others, and at d...
by michaelingp
Tue Jun 23, 2020 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Real estate closing - what time of day of closing does ownership transfer?
Replies: 31
Views: 1704

Re: Real estate closing - what time of day of closing does ownership transfer?

You could see if the buyer's are open to doing a 24 hour rent-back agreement. That way you have a legal right to have your property there and access it Friday night/Saturday morning. They get a bit of money for the inconvenience. Unless they already have movers scheduled for Friday then I imagine t...
by michaelingp
Sun Jun 07, 2020 5:57 pm
Forum: Personal Consumer Issues
Topic: The "Best of" for Aldi?
Replies: 135
Views: 11692

Re: The "Best of" for Aldi?

The conveyor belts at ALDI and other grocery stores are at the same height so how is there less lifting at Aldi? At non-Aldi stores where I shop, they bag at belt height. They have to lift the items to put them in the bag. Then they extend over the belt to lift the bag and lower it into the cart. W...
by michaelingp
Sun Jun 07, 2020 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax to save Tax files
Replies: 17
Views: 1357

Re: Turbo Tax to save Tax files

I scan any paper documents and shred them after filing. I keep all the electronic copies (all the PDF's and the Turbotax data file) essentially forever. I keep the TurboTax apps for just a few years. Everything electronic is backed up both locally and to the cloud. When you say cloud do you mean Dr...
by michaelingp
Sun Jun 07, 2020 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Should I keep my $1 million life insurance policy after age 65?
Replies: 65
Views: 5101

Re: Should I keep my $1 million life insurance policy after age 65?

I'm sort of in between the responses here. I was in a similar position a few years ago. It seems to me that term life is a good deal up to age 70. Up to 70, I could get about $600,000 insurance for about $5,000 a year ($25K for the 5 years between 65 and 70). That seemed like a pretty good deal to m...
by michaelingp
Sat Jun 06, 2020 8:04 pm
Forum: Personal Consumer Issues
Topic: Help loosening the purse strings
Replies: 15
Views: 1356

Re: Help loosening the purse strings

but are having trouble deciding how to spend the money and contemplate if it'll make us that much happier. There are books written on this subject and I think the consensus is that no, it will not make you any happier, probably the opposite if it goes against your values. In our case, age made the ...
by michaelingp
Tue Jun 02, 2020 5:45 pm
Forum: Personal Consumer Issues
Topic: When should I get a wheel alignment?
Replies: 42
Views: 2608

Re: When should I get a wheel alignment?

I've had enough bad alignments that I'm totally in the "if it ain't broke don't fix it" camp. It's probably more difficult to screw it up now, but I still don't have them done routinely. Tire warranties are not useful to me, I always get more miles than they promise, and I replace tires way before t...
by michaelingp
Tue Jun 02, 2020 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax to save Tax files
Replies: 17
Views: 1357

Re: Turbo Tax to save Tax files

I scan any paper documents and shred them after filing. I keep all the electronic copies (all the PDF's and the Turbotax data file) essentially forever. I keep the TurboTax apps for just a few years. Everything electronic is backed up both locally and to the cloud.
by michaelingp
Mon Jun 01, 2020 5:27 pm
Forum: Personal Consumer Issues
Topic: How to get back fees paid to telemedicine provider?
Replies: 56
Views: 3809

Re: How to get back fees paid to telemedicine provider?

I hate to say you get what you pay for, but $75 doesn't go very far toward a doctor's visit. You might try an urgent care or better yet a local primary care doctor. Actually, my insurance company (Blue Cross Blue Shield) allowance for a telemedicine visit is $80, at least that's what they paid for ...
by michaelingp
Mon Jun 01, 2020 5:19 pm
Forum: Personal Consumer Issues
Topic: The "Best of" for Aldi?
Replies: 135
Views: 11692

Re: The "Best of" for Aldi?

P.S. I've been going to Aldi's since way back in the 1990's. IMO they have the fastest checkout registers. The ergonomics is amazing. I actually cringe anytime I go to a normal supermarket where cashiers have to bend over, use their back and lift full bags of groceries. For those who haven't been t...
by michaelingp
Mon Jun 01, 2020 5:14 pm
Forum: Personal Consumer Issues
Topic: Bidet recommendations
Replies: 15
Views: 2176

Re: Bidet recommendations

Ours is non-heated and I like it fine. Refreshing actually.