Search found 950 matches

by IMO
Sat Sep 19, 2020 2:52 pm
Forum: Personal Consumer Issues
Topic: Not allowed to do testing/imaging outside hospital network
Replies: 22
Views: 1868

Re: Not allowed to do testing/imaging outside hospital network

I also recently had to have a scan. There are independent imaging centers that cost less, but again they would only accept results from an imaging center in their network. I couldn't have a follow-up appointment until I had a scan from within their network. I can't speak to the labs, but I work in ...
by IMO
Wed Sep 02, 2020 7:48 pm
Forum: Personal Consumer Issues
Topic: Are Leather Lounges Worthwhile?
Replies: 27
Views: 2748

Re: Are Leather Lounges Worthwhile?

Got some relatively inexpensive leather couche/loveseat from Sam's Club 20 yeears ago that is used everyday and gone through 3 dogs who also used them, multiple moves, and amazingly, they still look like they are in great condition. Other's will say how horrible their leather furniture has held up, ...
by IMO
Wed Sep 02, 2020 7:39 pm
Forum: Personal Consumer Issues
Topic: Phoenix homes - backyard south facing okay?
Replies: 24
Views: 2914

Re: Phoenix homes - backyard south facing okay?

Sun rises east and settles west: Personally from experience, feel the best is to have your front door face south, and the backyard facing north. Sun in morning will impact the east facing walls/windows of the house. During mid-day it is overhead and at the end of the day it is hitting the west facin...
by IMO
Fri Aug 21, 2020 1:42 pm
Forum: Personal Consumer Issues
Topic: “Experiences” - aka family vacations
Replies: 24
Views: 2752

Re: “Experiences” - aka family vacations

Hello. We are getting quite comfortable in life, always dreamed of an expensive beach rental to invite family and friends. Looking at prices had me wondering if we could make it an annual event, but perhaps change the scenery. What else could be done? Nothing off limits but hiking the Appalachian t...
by IMO
Fri Aug 21, 2020 1:26 pm
Forum: Personal Consumer Issues
Topic: What surprised you the most once you retired?
Replies: 267
Views: 31114

Re: What surprised you the most once you retired?

Speaking of surprise, the other day I had a vivid dream where I was on the job, needing to explain how and why I handle things to a client, going into what I always said when encountering this particular type of nuisance from a client which came fairly consistently throughout my career... I could f...
by IMO
Fri Aug 21, 2020 3:10 am
Forum: Personal Finance (Not Investing)
Topic: Lease Renewal - Landlord Refuses Buy-out Clause Terms
Replies: 23
Views: 2347

Re: Lease Renewal - Landlord Refuses Buy-out Clause Terms

Thoughts or Advice? It sounds like they are well within their rights to offer those terms they want when the lease ends especially if those are the same terms that you have now. You could try calling their bluff and tell them you will not renew the lease. Depending on the local rental market they m...
by IMO
Fri Aug 21, 2020 3:07 am
Forum: Personal Consumer Issues
Topic: Farmed Atlantic salmon and toxic chemicals in fish feed
Replies: 62
Views: 4232

Re: Farmed Atlantic salmon and toxic chemicals in fish feed

I understand in general wild salmon is healthier than farmed salmon. But I had trouble finding a tasty wild salmon that doesn't break the bank. So I have been buying the frozen farmed Atlantic salmon from Costco (Kirkland signature). I read the following article today. It specifically mentioned Cos...
by IMO
Fri Aug 21, 2020 2:52 am
Forum: Personal Consumer Issues
Topic: Should I purchase a whole house generator?
Replies: 321
Views: 15745

Re: Should I purchase a whole house generator?

Gasoline becomes "stale" pretty quickly. I've stored E-10 gasoline with no stabilizers or additives of any kind for over a year and burned it in both my Yamaha 2400 iSHC and multiple vehicles with no problems at all. The key is for it to be stored in a 100% airtight container. That said, I do keep ...
by IMO
Fri Aug 21, 2020 2:31 am
Forum: Personal Consumer Issues
Topic: new car purchase: any reason NOT to do 0% financing
Replies: 90
Views: 7139

Re: new car purchase: any reason NOT to do 0% financing

So the latest is one dealer was very clear: Internet price is $28,495. At 0% financing, the price goes up to $31,245 Difference: $2750 It is just very difficult to get a single price from these guys. I've always thought the "0%" lending was BS. As you just shown that is consistent from my experienc...
by IMO
Fri Aug 21, 2020 2:24 am
Forum: Personal Consumer Issues
Topic: E-Bike- where to start
Replies: 19
Views: 1986

Re: E-Bike- where to start

Just borrowed and tried out a friend's Class 2 electric bike. It was in an area that has some moderate hills and also had a long relatively flat bike path. Was fun, like riding a moped from years and years ago. Be sure to understand the bike's range. When I was on the flat bike path, battery looked ...
by IMO
Fri Aug 21, 2020 2:10 am
Forum: Personal Consumer Issues
Topic: What would you do?
Replies: 5
Views: 757

Re: What would you do?

I want to start a business or nonprofit that makes the world a better place. What ideas do you have for a business or nonprofit that you would like to see created? I suppose that depends on how much capital one desires to commit to the business. How much of your $20 million from the recent sale of ...
by IMO
Fri Aug 21, 2020 2:00 am
Forum: Personal Consumer Issues
Topic: Tires recommendations?
Replies: 61
Views: 3504

Re: Rubber

cheapest ones - rubber all comes from the same tree! You do realize that tires are made from more than just rubber. Yes, but an overwhelming majority is, rubber. Please, lets not be overly simplistic. There is a great deal that goes into the production of tires. Here are 2 video's talking about how...
by IMO
Wed Jul 22, 2020 11:34 pm
Forum: Personal Consumer Issues
Topic: Who's tested for Radon? Who's mitigated?
Replies: 29
Views: 1942

Re: Who's tested for Radon? Who's mitigated?

What about one's work areas? Seems like one would spend a significant amount of time at work. Is there some OSHA requirement for places to test?
by IMO
Wed Jul 22, 2020 11:33 pm
Forum: Personal Consumer Issues
Topic: Who's tested for Radon? Who's mitigated?
Replies: 29
Views: 1942

Re: Who's tested for Radon? Who's mitigated?

So it looks like I've lived mostly in zone 2 areas. There is no legend to say if zone 2 is considered a concern on the map.
by IMO
Wed Jul 22, 2020 10:21 pm
Forum: Personal Consumer Issues
Topic: Renting after owning?
Replies: 46
Views: 3707

Re: Renting after owning?

It always seems like a smart idea to rent vs. buying when moving to a new area. I bit of a hassle, but probably less so than buying and then having difficulty selling because it wasn't what you had anticipated. Personally, I don't think we'll sell our primary home that we settle in for retirement. W...
by IMO
Wed Jul 22, 2020 10:04 pm
Forum: Personal Consumer Issues
Topic: Who's tested for Radon? Who's mitigated?
Replies: 29
Views: 1942

Who's tested for Radon? Who's mitigated?

Because of a recent thread concerning radon mitigation, I was curious, how many on this site have tested for Radon? How many have done mitigation? Has any renters done testing? Has anyone known if their workplace tested for it? How about their kids schools? I don't want to go down the rabbit hole of...
by IMO
Wed Jul 22, 2020 9:46 pm
Forum: Personal Consumer Issues
Topic: Negotiating with landlord on installing radon mitigation system
Replies: 43
Views: 2127

Re: Negotiating with landlord on installing radon mitigation system

For those of you who are actually experts in this area, how strong is the evidence on the cancer risk of radon? I was always under the impression that it was quite sketchy and that the limits were based on data on miners that worked underground as opposed to true living environments. Are we talking...
by IMO
Wed Jul 22, 2020 12:16 pm
Forum: Personal Consumer Issues
Topic: Negotiating with landlord on installing radon mitigation system
Replies: 43
Views: 2127

Re: Negotiating with landlord on installing radon mitigation system

Landlord CYA response. Offer to not hold you to the lease duration so you can move due to the health issues you point out. Have you sign a waiver of liability if you choose to stay longer than “x” days. Experienced Landlords avoid litigious Health issues and potential Board of Health like the Black...
by IMO
Wed Jul 22, 2020 12:07 pm
Forum: Personal Consumer Issues
Topic: Negotiating with landlord on installing radon mitigation system
Replies: 43
Views: 2127

Re: Negotiating with landlord on installing radon mitigation system

Radon is the second leading cause of lung cancer behind cigarette smoking. (EPA pdf on Radon). Just about every home in the two different neighborhoods in PA that I have lived in have had radon systems. It’s a $1000 +/- job. Surprised at the reactions to radon on here OP, 1st thought is to understa...
by IMO
Tue Jul 21, 2020 11:48 pm
Forum: Personal Consumer Issues
Topic: Just Ordered Peloton Bike
Replies: 165
Views: 16287

Re: Just Ordered Peloton Bike

I'm curious, why are people using these more during the Covid shutdown? Isn't it more appealing to get outside in the fresh air on a real bike?

Not knocking that people get into shape with this or other indoor exercise equipment, but seems odd to not want to actually get outside and exercise.
by IMO
Tue Jul 21, 2020 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: eligibility for an early distribution under the CARES ACT and documentation requirements
Replies: 11
Views: 762

Re: eligibility for an early distribution under the CARES ACT and documentation requirements

If you haven't read this IRS Q&A, maybe it will answer some of your questions: https://www.irs.gov/newsroom/coronavirus-related-relief-for-retirement-plans-and-iras-questions-and-answers Unfortunately, it still comes off as a bit vague, I've cut/paste the section on qualifying. For example, it does...
by IMO
Tue Jul 21, 2020 1:25 pm
Forum: Personal Consumer Issues
Topic: Dedicating part of retirement to a specific activity
Replies: 21
Views: 1830

Re: Dedicating part of retirement to a specific activity

Retirees, has anyone ever dedicated several years of their retirement to a physical activity or sport? Knowing that you are getting older did anyone ever say I am going pedal to the metal with their (Blank) while they still could? If so how did it go? How do you feel about it looking back? Physical...
by IMO
Sat Jul 18, 2020 1:09 pm
Forum: Personal Consumer Issues
Topic: What surprised you the most once you retired?
Replies: 267
Views: 31114

Re: What surprised you the most once you retired?

What surprised me most was that it seems like no one else is working. Things are often still crowded, and I say either to myself or my spouse, "doesn't anyone work anymore?"
by IMO
Sat Jul 18, 2020 1:07 pm
Forum: Personal Consumer Issues
Topic: What surprised you the most once you retired?
Replies: 267
Views: 31114

Re: What surprised you the most once you retired?

What surprised you the most once you retired? One thing that may not have been mentioned is that some people are surprised at is how quickly and well the company gets by without them once they leave. Some people feel like they are indispensable and it can be a bit of a letdown to realize that they ...
by IMO
Sat Jul 18, 2020 1:00 pm
Forum: Personal Consumer Issues
Topic: Retirees: How you spend your time?
Replies: 63
Views: 7419

Re: Retirees: How you spend your time?

We are in our mid-40s and the math says we could retire now if I wanted to, but honestly I would feel like a bit of a loser sitting around for most of the day. All of our friends (with the exception of a COVID layoff) work during the week, and our older kid likes to hang out with her friends more t...
by IMO
Thu Jul 16, 2020 12:05 pm
Forum: Personal Consumer Issues
Topic: When do you consider your children to be successfully launched?
Replies: 31
Views: 1893

Re: When do you consider your children to be successfully launched?

One can consider your children successfully launched once they are the ones who no longer go out to a larger family dinner and EXPECT the parent(s) to pick up the tab.
by IMO
Thu Jul 16, 2020 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Tired Lawyer, Need career and life advice
Replies: 106
Views: 13892

Re: Tired Lawyer, Need career and life advice

Retired (mostly) attorney here. People outside of law may not realize the stress and anxiety that many lawyers face. I understand a lot of professions involve stress. In my state, the Lawyer's Assistance Program found that 32% of attorneys 30 yrs. old and younger had a drinking problem, 28% of atto...
by IMO
Thu Jul 16, 2020 3:07 am
Forum: Personal Consumer Issues
Topic: Who has painted their own house?
Replies: 45
Views: 3777

Re: Who has painted their own house?

I figure that with a brush and ladder, perhaps with strategic rental of scaffolding or lift basket, that I could paint my 2 story house myself in a summer of weekends. I would use brushes or rollers rather than any spraying equipment which would have setup and cleanup. Has anyone done it? Did you k...
by IMO
Thu Jul 16, 2020 2:36 am
Forum: Personal Consumer Issues
Topic: New roof needed - Consider METAL ROOF?
Replies: 32
Views: 3106

Re: New roof needed - Consider METAL ROOF?

OP, I was thinking the same thing about getting a metal for a roof on a 2 story house with a significant pitch. Roofer came out to give an estimate and quickly reminded me that I'd have to put those things on the roof to stop snow from coming down in huge sheets and potentially harming someone or da...
by IMO
Wed Jul 15, 2020 2:25 pm
Forum: Personal Consumer Issues
Topic: 4-year-old Corolla on long trip
Replies: 51
Views: 3592

Re: 4-year-old Corolla on long trip

Not sure how long you are going, but it might be worth looking at your actual depreciation for 4,000 miles and it might possibly be better financially to rent a car if you can find a good deal on rentals (perhaps even a larger car). Depreciation for 4000 miles for a new or newer car is modest (0.15...
by IMO
Wed Jul 15, 2020 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Liability for Golf Ball Through Windshield
Replies: 93
Views: 5866

Re: Liability for Golf Ball Through Windshield

OP has intuited his way to the correct legal answer which is that the golfer is liable. Not the driver of a car on a public road. The golf course could share liablity for bad design (if that's indeed the case) but it would never be worth trying to prove that when the only damages are a broken winds...
by IMO
Wed Jul 15, 2020 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance for a Vacation Rental?
Replies: 2
Views: 240

Re: Insurance for a Vacation Rental?

I have reserved a house for an upcoming vacation rental that we're sharing with our sons and their families, six adults and four children in all. The reservation was made on VRBO for six nights. On the property listing under "Damage and incidentals", the listing has the following language: You will...
by IMO
Wed Jul 15, 2020 2:25 am
Forum: Personal Consumer Issues
Topic: Sour like smell in house - Need Help
Replies: 33
Views: 3049

Re: Sour like smell in house - Need Help

Thoughts: Do you know anyone that is cursed with “smell/chemical” sensitivity? Ask them to help. Also women that are pregnant have heightened sense of smell. Is the carpet/flooring new. Or from before you moved in? Ancient pet n human smells. Old urine is stale/sour. Is there an electric switch pla...
by IMO
Wed Jul 15, 2020 1:56 am
Forum: Personal Consumer Issues
Topic: Dog in Condo for sale.
Replies: 28
Views: 3487

Re: Dog in Condo for sale.

I found a condominium property which I really like. The biggest drawback is the presence of a dog along with the odor. Unfortunately I am allergic to dogs. There are mostly hardwood floors with carpeting in the bedroom. How would Inget rid of the dogginess in a condo? Replace the carpeting, repaint...
by IMO
Wed Jul 15, 2020 1:22 am
Forum: Personal Consumer Issues
Topic: Non slip bathroom flooring
Replies: 21
Views: 1178

Re: Non slip bathroom flooring

From my experience, natural slate with it's variable surface is pretty good for non-slip. Using smaller squares for the floor of the shower gives an even better non-slip surface. Other stone surfaces can be utilized for shower floors, but smaller tiles are always going to give more traction. Some pe...
by IMO
Wed Jul 15, 2020 1:07 am
Forum: Personal Consumer Issues
Topic: Car, Remodel or Pool?
Replies: 74
Views: 4017

Re: Car, Remodel or Pool?

Just personal thought/history, FWIW. OP, as you live in SoCal, I believe for the most part, having a nice pool is not considered an negative for many perspective home buyers. I grew up in SoCal where I shared a bedroom with a sibling and shared same bathroom with 3 other siblings. I did start to car...
by IMO
Wed Jul 15, 2020 12:34 am
Forum: Personal Consumer Issues
Topic: Landlord expectations: Rats in the yard
Replies: 80
Views: 5735

Re: Landlord expectations: Rats in the yard

Your not the only one with a Ratt problems:

https://youtu.be/0o5cpVdaO0A
by IMO
Wed Jul 15, 2020 12:32 am
Forum: Personal Consumer Issues
Topic: 4-year-old Corolla on long trip
Replies: 51
Views: 3592

Re: 4-year-old Corolla on long trip

Many things can go wrong with a car as it ages. But your car is only 4 years old, so the odds of something failing in your car are pretty low. The mileage is high, but those are probably highway miles anyway? I think your car has a timing chain? However, your trip would be about 4,000 miles round tr...
by IMO
Wed Jul 15, 2020 12:15 am
Forum: Personal Finance (Not Investing)
Topic: Ever hide money from yourself?
Replies: 46
Views: 2928

Re: Ever hide money from yourself?

In one sense, I think the term "money is fungible" comes into play in that in really doesn't matter where the money is coming from for your separate fun money account. But the thought that "enough is enough" also comes into play when it comes to savings for the future when you feel you've saved/inve...
by IMO
Fri Jul 03, 2020 2:25 am
Forum: Personal Finance (Not Investing)
Topic: Anyone get a discount for paying year in advance power or phone bill?
Replies: 28
Views: 2296

Re: Anyone get a discount for paying year in advance power or phone bill?

Never had any discount offered. Seems like they should since it probably costs money when people don't pay on time. Mostly bills are on autopay if that is an option (most are). Sometimes we'll just pay a few months ahead, or even up to a year for some bills. Just makes life easier opening up a utili...
by IMO
Fri Jul 03, 2020 2:15 am
Forum: Personal Finance (Not Investing)
Topic: COVID 19 changing the public vs. private school value equation?
Replies: 29
Views: 2833

Re: COVID 19 changing the public vs. private school value equation?

The elephant in the room is a medical question. Would you feel safe having your kids attend classes in person? I'm not pushing for in-person classes but I would like to see better execution with online learning. Our kids online curriculum for the last part of last year was very abbreviated and obvi...
by IMO
Fri Jul 03, 2020 1:09 am
Forum: Personal Finance (Not Investing)
Topic: Share your budget
Replies: 152
Views: 9908

Re: Share your budget

Yeah, it's hard to track all those little miscellaneous expenses like getting Starbucks or a brick of cocaine. I probably spent a grand total of $50 at Starbucks last year. And $40 of that would be my kids cake pops. My source of coffee is this $10 machine. https://www.walmart.com/ip/Mainstays-5-Cu...
by IMO
Fri Jul 03, 2020 12:51 am
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance and Credit Score
Replies: 29
Views: 1754

Re: Auto Insurance and Credit Score

I can't remember the name (someone help out here, it's not the CLUE report), but there is some OTHER type of credit score that is used to determine insurance rates (at least for homeowner's insurance). This other score was noted on my last USAA insurance bill/explanation as something that is utiliz...
by IMO
Fri Jul 03, 2020 12:35 am
Forum: Personal Finance (Not Investing)
Topic: Owner of life insurance
Replies: 5
Views: 489

Re: Owner of life insurance

Does it matter who owns the life insurance policy? Both my wife and I have policies making each other as beneficiaries, but we reach own our individual policies. Is there any downside to this? Yeah, your spouse might off you to collect $$ :D I think biggest concern would be if you both were to die ...
by IMO
Fri Jul 03, 2020 12:21 am
Forum: Personal Finance (Not Investing)
Topic: Share your budget
Replies: 152
Views: 9908

Re: Share your budget

Inspired by the super popular "Share your net worth progression" thread https://www.bogleheads.org/forum/viewtopic.php?f=2&t=139157 , here is a another topic I am curious about - annual budget. I think I am spending too much. So curious to compare. Thanks Household situation - double income 2 kids ...
by IMO
Thu Jul 02, 2020 2:28 am
Forum: Personal Consumer Issues
Topic: Thought about buying a small motor home, but the market is crazy
Replies: 90
Views: 7211

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

I share the widespread suspicion that either next year, or maybe the year after, a lot of people who really aren't very seriously into RV ownership, but who were desperate to find new vacation options this year, will be selling RV's they are buying now but won't use very much. Sounds like you're in...
by IMO
Thu Jul 02, 2020 2:20 am
Forum: Personal Consumer Issues
Topic: YoutubeTV subscription now $64.99/month
Replies: 174
Views: 17336

Re: YoutubeTV subscription now $64.99/month

Didn't know it was that much. At least I know it's not something I feel worth considering. TV just seems less and less appealing. We use an antenna for local stations/news, get free Netflix's from our T-mobile phone plan, and I think we pay for Amazon prime (not sure how much that is?). That along w...
by IMO
Thu Jul 02, 2020 1:36 am
Forum: Personal Finance (Not Investing)
Topic: Landlords: How are you doing this year?
Replies: 139
Views: 16602

Re: Landlords: How are you doing this year?

mx711yam wrote: Thu Jul 02, 2020 12:04 am 5 doors, all paid up. 1 just left and trashed the place, but it rented out 3 days later after a ton of time and money fixing it up. Crappy tenants are the worst.
3 days later is a "ton of time"??

3 doors, everyone's paying on time
by IMO
Thu Jul 02, 2020 12:18 am
Forum: Personal Consumer Issues
Topic: Elementary school in Fall - choose Virtual or In-person
Replies: 120
Views: 8498

Re: Elementary school in Fall - choose Virtual or In-person

Our school district is attempting to come up with options. Personally from our high school kid and other's we know in other physical areas outside our state/district, the concept of a typical public school going to an online program for kids was very poor overall. A hodgepodge of assignments that we...
by IMO
Wed Jul 01, 2020 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Where are residential real estate prices heading?
Replies: 14
Views: 1590

Re: Where are residential real estate prices heading?

On one hand, when you look at various real estate markets, one wonders if one could even save enough per year to keep up with the price appreciation. In other markets, things can stay slow for years and years. Just hard to predict without knowing which specific market. I think the real question is "...