Search found 183 matches

by IMO
Mon Nov 20, 2017 11:25 pm
Forum: Personal Consumer Issues
Topic: Temperature setting for radiant floor heat
Replies: 13
Views: 992

Re: Temperature setting for radiant floor heat

So you're pumping a lot of heat into the tubing under your kitchen floor, but it isn't making your kitchen very warm. What is under the kitchen floor (e.g. basement or crawlspace)? Did you install insulation below the tubing to make sure the heat goes up into the kitchen? So even if the floor is wa...
by IMO
Mon Nov 20, 2017 4:52 pm
Forum: Personal Consumer Issues
Topic: What brand of used car - Hyundai vs Nissan?
Replies: 27
Views: 1481

Re: What brand of used car - Hyundai vs Nissan?

I bought 2014 Altima from Hertz in June 2015 with 30K miles. Saved me almost $5000 compared to exact same used model at local dealer. I now have 122K miles on the car and only had one minor problem since purchase. Would definitely buy used from Hertz again. (Also own a 2007 Altima with 265K miles t...
by IMO
Mon Nov 20, 2017 1:55 am
Forum: Personal Consumer Issues
Topic: Are expensive tires worth it?
Replies: 42
Views: 2377

Re: Are expensive tires worth it?

There are a number of factors to consider on tires. Some things are a give/take on tires. A basic review on the various aspects of tires can be found on-line with Consumer Reports: https://www.consumerreports.org/cro/tires/buying-guide You can also link to some various tire category reviews via the ...
by IMO
Mon Nov 20, 2017 1:14 am
Forum: Personal Consumer Issues
Topic: Snow tires- are Hankooks any good?
Replies: 18
Views: 953

Re: Snow tires- are Hankooks any good?

Have had a set and was happy with them.

Presume of course that you are getting these studded and are not talking about just using the tire alone without studs.

Also advise buying a set of inexpensive winter rims for the tires.
by IMO
Mon Nov 20, 2017 12:58 am
Forum: Personal Consumer Issues
Topic: What brand of used car - Hyundai vs Nissan?
Replies: 27
Views: 1481

Re: What brand of used car - Hyundai vs Nissan?

Have posted some information on the noted prior link on topic. Used enterprise sales x 2 (last was a Hyundai Sonata) for past in family and they have pick of the litter on their rentals, and provide 1 yr warranty on vehicles. Have been very happy with those. Just this week was looking into a potenti...
by IMO
Mon Oct 30, 2017 6:59 pm
Forum: Personal Consumer Issues
Topic: "Best" Online Degree if already a college graduate
Replies: 120
Views: 14831

Re: "Best" Online Degree if already a college graduate

Interesting old revived thread. I wondered if this type of question had been studied, and found the link below. Based on a reference, I presume this was done in 2014, so not up to 2017 date. The Market Value of Online Degrees as a Credible Credential - NYU http://www.google.com/url?sa=t&rct=j&q=&esr...
by IMO
Sun Oct 29, 2017 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: we bought a house - are we housepoor now?
Replies: 195
Views: 8942

Re: we bought a house - are we housepoor now?

I don't know why people continue to argue with Klangfool about housing. I don't think he's going to change his mind. He is very conservative about house due to his experience and that's fine. Just because he has his rules doesn't mean you have to follow them. In that regard I'm not sure why the OP ...
by IMO
Fri Oct 27, 2017 12:51 am
Forum: Personal Finance (Not Investing)
Topic: Signing up for social security
Replies: 14
Views: 1342

Re: Signing up for social security

I think I heard on Clark Howard that you may have trouble signing up on line if your credit is frozen.
Not sure if that's definitive, but just keep that in mind.
by IMO
Thu Oct 26, 2017 11:49 pm
Forum: Personal Consumer Issues
Topic: Hotels/Resorts on the beach in San Diego
Replies: 15
Views: 1232

Re: Hotels/Resorts on the beach in San Diego

Just a heads up on San Diego beach weather in the summer: Typically there is significant clouds/fog aka "June Gloom" that blankets the beaches, but then will be clear 5-10 miles inland that occurs typically through June. Typically 4th of July seems to be the date when the incidence of that weather s...
by IMO
Wed Oct 18, 2017 9:08 pm
Forum: Personal Consumer Issues
Topic: Experience with "mini-monovision" cataract implants?
Replies: 16
Views: 1106

Re: Experience with "mini-monovision" cataract implants?

I am very concerned about the fact that you can't "undo" monovision once you've opted for it. I think you can "correct" it by continuing to wear glasses with a prescription for the near-sighted eye to bring it to 20/20, but then you end up not having the luxury of seeing clearly at distance without...
by IMO
Wed Oct 18, 2017 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Is a doctor's practice one of the safest and most profitable businesses?
Replies: 58
Views: 3716

Re: Is a doctor's practice one of the safest and most profitable businesses?

For an example on dental doctor's practice: Here's a cut/paste from dentaleconomics.com: "The average annual overhead for a dental office (not including the dentist’s salary) is $350,000. The average clinician works 33 hours per week for 48 weeks, which is 1,600 hours per year. By taking the $525,00...
by IMO
Tue Oct 17, 2017 12:46 pm
Forum: Personal Consumer Issues
Topic: Trash dumped on curb (need advice)
Replies: 60
Views: 6265

Re: Trash dumped on curb (need advice)

With the above known, every trash day, arrange for the 3 bulk items to be collected from both your address and the offender's address. Drag 3 bulk items from the neighbor's trash pile to yours. Although it might take some number of weeks, it will at least reduce their pile of trash. I can hear resp...
by IMO
Tue Oct 17, 2017 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to make some dollars on a 10 day vacation?
Replies: 57
Views: 5283

Re: Best way to make some dollars on a 10 day vacation?

From a pure utility POV, you'd likely be much better off taking those 10 days to invest in yourself - your health, happiness, knowledge, skills, etc. Agreed. I'm not sure if this is 10 days that are just lose/use type days (with a significant bank of leave on the books) vs. this is just your entire...
by IMO
Tue Oct 17, 2017 1:22 am
Forum: Personal Consumer Issues
Topic: Experience with "mini-monovision" cataract implants?
Replies: 16
Views: 1106

Re: Experience with "mini-monovision" cataract implants?

Not cataract surgery, but experience with contact lenses in monovision/mini-monovision. In one sense, you should try before you buy, meaning simply get fit with a disposable contract lens in one eye while using your glasses in both eyes as you would normally. There definitely is some adaptation that...
by IMO
Mon Oct 16, 2017 2:45 am
Forum: Personal Consumer Issues
Topic: How long for hedonic adaptation to set in?
Replies: 109
Views: 7453

Re: How long for hedonic adaptation to set in?

The hedonic treadmill, also known as hedonic adaptation, is the observed tendency of humans to quickly return to a relatively stable level of happiness despite major positive or negative events or life changes. All interesting things on this thread. But what I find odd in relation to the Wikipedia ...
by IMO
Mon Oct 16, 2017 2:33 am
Forum: Personal Finance (Not Investing)
Topic: Tax Bracket in Retirement
Replies: 46
Views: 5347

Re: Tax Bracket in Retirement

Are you going to move in retirement? You have to consider state tax rates.
by IMO
Mon Oct 16, 2017 1:55 am
Forum: Personal Consumer Issues
Topic: Opinions on bicycle disc brakes?
Replies: 26
Views: 1663

Re: Opinions on bicycle disc brakes?

Disc brakes have been one of the most definitive true advancements in mountain biking. There are basically 2 levels of disc brakes: a) mechanical and b) hydraulic. Mechanical brakes require more physical effort, and are going to be less expensive. These if you take the wheel off for transport or oth...
by IMO
Sun Oct 15, 2017 5:07 pm
Forum: Personal Consumer Issues
Topic: What are you driving? And would you buy your current ride again?
Replies: 130
Views: 7258

Re: What are you driving? And would you buy your current ride again?

2011 honda element. i'd buy it again -- its perfect for my lifestyle -- but they don't make it anymore. +1 DW drove one forever until a deer hit it one dark night. Totaled the front end. It was reliable and very useful. Did the deer hit your DW or was it the other way around? I hope the deer carrie...
by IMO
Sun Oct 15, 2017 2:27 am
Forum: Personal Finance (Not Investing)
Topic: Military or Federal Retirement
Replies: 4
Views: 860

Re: Military or Federal Retirement

Seems like your not getting much feedback, so I'll give you some thoughts: You still have a long time (10 yrs) until you're done with your service obligation. In one sense, time can go very fast, but it's still a solid 10 years away. You've done your homework on active duty, reserve, and federal ret...
by IMO
Thu Oct 12, 2017 2:36 am
Forum: Personal Consumer Issues
Topic: Mechanic expects me to pay for his mistake
Replies: 41
Views: 3243

Re: Mechanic expects me to pay for his mistake

I'd suggest those reading this post look at the great link/information posted by Sandtrap: http://www.fordproblems.com/trends/triton-spark-plug-stuck/ Based on the above, seems you have a reasonable recourse to this common problem, and there appears to be no particular liability for the mechanic. T...
by IMO
Wed Oct 11, 2017 10:52 pm
Forum: Personal Consumer Issues
Topic: Mechanic expects me to pay for his mistake
Replies: 41
Views: 3243

Re: Mechanic expects me to pay for his mistake

I'd suggest those reading this post look at the great link/information posted by Sandtrap: http://www.fordproblems.com/trends/triton-spark-plug-stuck/ Based on the above, seems you have a reasonable recourse to this common problem, and there appears to be no particular liability for the mechanic. Al...
by IMO
Wed Oct 11, 2017 10:12 pm
Forum: Personal Consumer Issues
Topic: Ecuador safe to travel and hike?
Replies: 21
Views: 2253

Re: Ecuador safe to travel and hike?

Haven't been there personally but always check the state department info if you haven't https://travel.state.gov/content/passports/en/country/ecuador.html Out of curiosity, looked at the link and here's what is reported: "Safety and Security Exercise caution when traveling to northern Ecuador, espe...
by IMO
Wed Oct 11, 2017 9:58 pm
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 188
Views: 13078

Re: [Prevent mail theft; sign for USPS Informed Delivery]

Following up on this thread. So much negativity towards the postal service for implementing this system which really is a significant advancement in mail delivery. For the record, the email I receive for multiple addresses has the following disclaimer: "Mailpieces may arrive several days after you r...
by IMO
Wed Oct 11, 2017 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Standard Sales Tax Deduction is Miserly -- here's my way
Replies: 27
Views: 3847

Re: Standard Sales Tax Deduction is Miserly -- here's my way

One year a few years ago a friend of mine in TX, who is a CPA (although not one that practices preparing taxes), said he just takes his financial details in a spreadsheet, and calculates/estimates his sales tax based upon his financial detail. I don't think he explicitly saved all of his receipts. ...
by IMO
Wed Oct 11, 2017 3:42 am
Forum: Personal Consumer Issues
Topic: Do you want your receipt?
Replies: 99
Views: 7703

Re: Do you want your receipt?

We charge essentially everything on credit cards (and then pay off each month of course), we ask for a receipt to track for various reasons. Most often it helps when returning something, even though some places like Home Depot can look up the item via your credit card use. When it comes to the thoug...
by IMO
Tue Oct 10, 2017 9:27 pm
Forum: Personal Consumer Issues
Topic: Garage door opener on last leg
Replies: 32
Views: 2878

Re: Garage door opener on last leg

Hello Everybody, I used to install garage doors, openers, entry doors, everything. Commercially and Residentially. My father owned a business from 1986 til about 4 years ago when he sold it for cost to my uncle who was working with him for 26 years. As far as the screw v chain v belt debate. That d...
by IMO
Thu Sep 28, 2017 10:27 pm
Forum: Personal Consumer Issues
Topic: Where do you get your news?
Replies: 131
Views: 8832

Re: Where do you get your news?

Nice to have politics infiltrate this forum in a thread called "where do you get your news?"

As others mention to me, I just shouldn't read the post and it's actionable.

Whatever....
by IMO
Wed Sep 27, 2017 10:52 pm
Forum: Personal Consumer Issues
Topic: Propane Stove For Earthquake Kit
Replies: 24
Views: 1480

Re: Propane Stove For Earthquake Kit

One option is a have propane BBQ with a side burner. If you have two propane tanks and make sure that you always fill up the spare as so as you swap them you will always have a full tank. The option of a side burner is a good choice as it's just there without having to store anything extra in the h...
by IMO
Tue Sep 26, 2017 10:29 pm
Forum: Personal Consumer Issues
Topic: Where do you get your news?
Replies: 131
Views: 8832

Re: Where do you get your news?

This should be locked.

Don't really want to hear political slants on news that is not an actionable topic.
by IMO
Mon Aug 28, 2017 9:48 pm
Forum: Investing - Theory, News & General
Topic: Can stocks or Bitcoin drop to about zero?
Replies: 45
Views: 3965

Re: Can stocks or Bitcoin drop to about zero?

I agree with everything you said except this. By its very nature, Bitcoin cannot be controlled by a government since it is accounted for by miners around the world all the time. There's nothing the government can really do about it. Besides, the IRS has already ruled that cryptocurrencies are commo...
by IMO
Sun Aug 27, 2017 12:39 pm
Forum: Investing - Theory, News & General
Topic: What is Bitcoin?
Replies: 238
Views: 29545

Re: What is Bitcoin?

On Friday, my dental hygienist, who seems to get interested in every "get rich quick" scheme that comes down the pike, expressed great interest in buying Bitcoin for appreciation. This is one of my usual indications that something is reaching bubble status, like that old great depression tale of th...
by IMO
Sat Aug 26, 2017 12:43 pm
Forum: Personal Consumer Issues
Topic: Safe car for wife and baby
Replies: 97
Views: 6377

Re: Safe car for wife and baby

Have you considered this: http://burchfieldtrucks.com/inventory/commercial-trucks/dump-trucks/1167-2002-international-7400-dump-truck It's a little larger than your typical SUV and has mediocre gas mileage as you might expect, but its performance in front, rear and side crash tests is unparalleled....
by IMO
Sat Aug 26, 2017 12:39 pm
Forum: Personal Consumer Issues
Topic: Desperate to get rid of mosquitoes, what else could we try?
Replies: 62
Views: 4298

Re: Desperate to get rid of mosquitoes, what else could we try?

I am the one who has it worst since I have an allergic reaction to mosquito bites, not life threatening but very unpleasant. The rest of the family get bitten less and have only mild itchiness. Unpleasant it putting it nicely. Have the same issue, and only recently found it has an actual name: skee...
by IMO
Fri Aug 25, 2017 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Does it make sense to accelerate paying off mortgage now that I am 57 yrs old?
Replies: 24
Views: 2796

Re: Does it make sense to accelerate paying off mortgage now that I am 57 yrs old?

I think payoff mortgage or invest over the course of a couple of years is probably a marginal decision. Even if you borrow at 3.5% and make 10% with 200k over 5 years that's a benefit of less than 35k. I'm not saying that money is insignificant but does it move the needle on when you can retire or ...
by IMO
Thu Aug 24, 2017 11:35 pm
Forum: Personal Consumer Issues
Topic: Can dispute an expensive medical bill
Replies: 39
Views: 3036

Re: Can dispute an expensive medical bill

Oh dear lord. I am all for calling out other docs for inappropriate billing, but there is NOTHING wrong here. As long as you had the routine eye exam for x dollars that was discussed in advance nothing wrong was done. My guess is during the routine exam the doc. said something like, "Looks like som...
by IMO
Thu Aug 24, 2017 10:26 pm
Forum: Personal Consumer Issues
Topic: I've fallen and I can't get up -- recommendations?
Replies: 43
Views: 6425

Re: I've fallen and I can't get up -- recommendations?

The biggest issue with my mother was getting her to wear the thing. So I'd go with whatever type would be the most comfortable for him. The cell phone could work, with a preprogrammed key for 911, if he'd be more apt to carry it than wear a cord around his neck or wrist. Don't underestimate how dis...
by IMO
Thu Aug 24, 2017 1:14 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with series EE savings bonds?
Replies: 28
Views: 3021

Re: What to do with series EE savings bonds?

The irony of this site. This morning found a $100 EE savings bond given to me as a gift dated 8/1996. On the top right corner, it says "interest ceases 30 years from issue date." Obviously not a high level of concern on cashing out, but how do you even find out the interest rate on this?
by IMO
Thu Aug 24, 2017 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Why do we consider cash flow from rentals but not our own homes?
Replies: 89
Views: 6182

Re: Why do we consider cash flow from rentals but not our own homes?

Another consideration: Equity in a primary residence isn’t the same as equity in a secondary home or investment property. Cashing out equity from a primary residence can be difficult unless you: (1) dramatically downsize, (2) sell and move to a location with much lower housing prices, or (3) decide...
by IMO
Thu Aug 24, 2017 11:13 am
Forum: Personal Finance (Not Investing)
Topic: What should the savings be for an average professional
Replies: 168
Views: 17434

Re: What should the savings be for an average professional

100 % equity in a home is useless if somebody loves their home that they have spent years in and have fond memories. They would have to sell to benefit from the equity Actually there was a very good post on reverse mortgages that seems a reasonable financial planning tool. (Don't have the link). So...
by IMO
Thu Aug 24, 2017 12:04 am
Forum: Personal Finance (Not Investing)
Topic: Living Expenses - what's "reasonable"?
Replies: 101
Views: 9453

Re: Living Expenses - what's "reasonable"?

I think it may be more reasonable to break down the essential category, since their is so much variation. But even then, there can be overlap on items, for example, food. Some don't eat out a lot, others quite a bit. Perhaps following would help people trying to better plan?: Qualify if LCOL, MCOL, ...
by IMO
Wed Aug 23, 2017 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: I did it and feel great about it (paid off mortgage)
Replies: 53
Views: 5972

Re: I did it and feel great about it (paid off mortgage)

I did it. I can't believe I actually did it but I did and I feel awesome. Now I have $1500/month free cash flow to rebuild my cash position or splurge on a cruise and the deed on my $400K home in the mail. Or, you've possibly just changed your ability to retire sooner by lowering your monthly expen...
by IMO
Wed Aug 23, 2017 2:09 pm
Forum: Investing - Help with Personal Investments
Topic: 33 years old, how am I doing ?
Replies: 54
Views: 8488

Re: 33 years old, how am I doing ?

Seems that reducing shifts would bring me more happiness in the interim but wondering if it would be better to push hard over the next 5-10 years to better prepare for early retirement. Under this scenario, in ten years, just as you retire your oldest turns thirteen and stops talking to you. The ne...
by IMO
Wed Aug 23, 2017 12:56 am
Forum: Personal Finance (Not Investing)
Topic: Requesting thoughts on the current "plan"
Replies: 14
Views: 1203

Re: Requesting thoughts on the current "plan"

Did I miss something on you're wife's expected pension concerning semi-retiring/selling and moving to a smaller home in the country? You talk about healthcare from her job, but didn't mention how much income that is expected to provide for your semi-retirement?
by IMO
Wed Aug 23, 2017 12:42 am
Forum: Personal Consumer Issues
Topic: Do you have to paint stucco?
Replies: 31
Views: 2626

Re: Do you have to paint stucco?

I wonder if the issue of painting stucco has more to do with the specific area of the country? Have seen California and Arizona stucco homes painted without issues. As those areas are very arid, perhaps they are not really prone to water vapor build up below the paint surface? There was one stucco h...
by IMO
Tue Aug 22, 2017 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: 33 years old, how am I doing ?
Replies: 54
Views: 8488

Re: 33 years old, how am I doing ?

Appreciate you provided feedback. My response wasn't to give you a hard time. It's just every so often you see a post where on paper someone is doing extremely well at a young age and the skeptical side of me always questions those posts. As I posted earlier, you should honestly take a look at the H...
by IMO
Tue Aug 22, 2017 3:28 pm
Forum: Personal Consumer Issues
Topic: Do you have to paint stucco?
Replies: 31
Views: 2626

Re: Do you have to paint stucco?

I grew up with stucco houses (California) and we always painted the stucco white, it seemed to last the longest and it didn't really "fade". Some years back our neighbors had a "texture coat" material applied to their stucco. It was supposed to stretch to continue to cover any cracks in the stucco ...
by IMO
Tue Aug 22, 2017 1:29 pm
Forum: Investing - Help with Personal Investments
Topic: 33 years old, how am I doing ?
Replies: 54
Views: 8488

Re: 33 years old, how am I doing ?

It depends how much of this was given to OP and how much was saved/earned by the OP. Either way, it's a great start! If the bulk of this was gifted, then I'd keep that in mind when you look at what you expect your net worth to do in the future, along the lines of "The Millionaire Next Door" and the...
by IMO
Tue Aug 22, 2017 12:35 pm
Forum: Investing - Help with Personal Investments
Topic: How to Become a Spender?
Replies: 16
Views: 1578

Re: How to Become a Spender?

Hang out with me ... Honestly, try to put money in perspective. There may be some usefulness in the thoughts, "you only live once" / "can't take it to your grave." I look at many elderly people we know personally and via work where you realize people get old and have serious health issues that limit...
by IMO
Tue Aug 22, 2017 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Why do we consider cash flow from rentals but not our own homes?
Replies: 89
Views: 6182

Re: Why do we consider cash flow from rentals but not our own homes?

You're bringing up again the "rent vs. own" issues/arguments. And you're bringing in the argument of is a home considered an investment vs. a "sink hole" or consumption expenditure like a car. I don't think I'd use the term cash flow, but would say you're gaining equity in your home (presuming value...