Search found 256 matches

by Ruger
Wed Mar 20, 2019 8:15 pm
Forum: Personal Consumer Issues
Topic: Slow cooker vs Instant pot........
Replies: 61
Views: 3515

Re: Slow cooker vs Instant pot........

I much prefer the Instant Pot, the food comes out much better, especially chicken. It is true that the Instant Pot may not always save you time, but it saves effort. You can load it full of food, set it, and forget about it. I haven't used my slow cooker since I got the IP.
by Ruger
Wed Mar 06, 2019 1:11 pm
Forum: Personal Consumer Issues
Topic: Chimney Cap Replacement
Replies: 20
Views: 1191

Re: Chimney Cap Replacement

I had caps put on this week. I have three separate ones, one for each flue. I had the chimney cleaned and the three caps put on. Local handyman did it for $200 including all three caps. The caps are nice quality stainless steel, he purchased them off FB Market place for a total of $35. They look bra...
by Ruger
Mon Feb 11, 2019 2:50 am
Forum: Personal Consumer Issues
Topic: Passport Photos ?
Replies: 85
Views: 3701

Re: Passport Photos ?

I just had mine done a month ago at Costco. $4.95 for four photos.
by Ruger
Tue Jan 15, 2019 2:53 am
Forum: Personal Consumer Issues
Topic: Funniest movies of all time? Name five of your favorites...
Replies: 220
Views: 31351

Re: Funniest movies of all time? Name five of your favorites...

Blazing Saddles
Blues Brothers
Airplane (and anything else with Leslie "Don't call me Shirley" Nielsen in it).
Frisco Kid
Animal House
by Ruger
Thu Jan 10, 2019 11:05 am
Forum: Personal Finance (Not Investing)
Topic: How did you solve the pre-medicare healthcare riddle?
Replies: 81
Views: 5801

Re: How did you solve the pre-medicare healthcare riddle?

I retired at 61 and have been on the ACA since. Finally going onto Medicare this summer.
As mentioned above, you have to know your income so you know whether you qualify or not, and what the subsidy will be.
by Ruger
Thu Jan 03, 2019 11:37 am
Forum: Personal Consumer Issues
Topic: What Sudden Needs of Cash Do You Prepare For?
Replies: 64
Views: 3685

Re: What Sudden Needs of Cash Do You Prepare For?

The two needs I save for are medical expenses and home repairs. Fortunately I haven't had to spend much money on either since I retired, but part of my monthly budget sets money aside for such unplanned for expenses.
by Ruger
Thu Jan 03, 2019 11:33 am
Forum: Personal Consumer Issues
Topic: Hughes internet
Replies: 16
Views: 994

Re: Hughes internet

Check for small local providers. I live in the country, and there are several small internet companies that do a good job.
by Ruger
Sat Dec 15, 2018 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Forgoing health insurance
Replies: 112
Views: 5308

Re: Forgoing health insurance

I've thought about forgoing insurance, but then my husband had back to back hospital admissions that totaled over $875,000. That changed my mind.
by Ruger
Wed Dec 12, 2018 11:05 am
Forum: Personal Consumer Issues
Topic: Is a New Car Okay if Driven 15+ Years?
Replies: 91
Views: 7583

Re: Is a New Car Okay if Driven 15+ Years?

I always buy new so I can get exactly what I want, and then I drive it into the ground. I had my last car 16 years and put 321,000 miles on it before I bought a new one. It still ran fine but I was concerned about driving it alone on back country roads late at night so I replaced it. I gave it to my...
by Ruger
Tue Dec 11, 2018 7:06 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 687
Views: 69410

Re: What frugal thing did you do today?

Fixed the door handle on my microwave, thanks to YouTube.
by Ruger
Wed Dec 05, 2018 12:15 am
Forum: Personal Consumer Issues
Topic: Has anyone on this board painted over wallpaper?
Replies: 46
Views: 3146

Re: Has anyone on this board painted over wallpaper?

I rented a house with the wall paper painted over. Totally tacky looking and I would not do it. As mentioned above, it virtually makes it impossible to remove the wall paper later. Rent a steamer and remove it yourself.
by Ruger
Wed Dec 05, 2018 12:11 am
Forum: Personal Consumer Issues
Topic: Is this normal for an HOA?
Replies: 95
Views: 8977

Re: Is this normal for an HOA?

My HOA asks for the same except for ages of children and an affidavit saying the information is correct.
by Ruger
Sun Nov 25, 2018 10:57 am
Forum: Personal Consumer Issues
Topic: Is good, quality luggage worth the price?
Replies: 88
Views: 5804

Re: Is good, quality luggage worth the price?

I bought my luggage at a local discount place, it think it was TJ Max. It's Samsonite, well made and a large hard sided bag was on clearance for about $40 and the carry on for a bit less. Nice rolling wheels, nice handles, easy to handle and well made.
by Ruger
Fri Nov 09, 2018 11:04 am
Forum: Personal Consumer Issues
Topic: Too many choices for my next TRUCK
Replies: 99
Views: 7660

Re: Too many choices for my next TRUCK

I just found and bought a 2017 Ram 1500. Brand Spanking new, with the 5.7L hemi, 4x4 quad cab and big horn package. I absolutely love the thing. out of all the trucks on the market, dollar for dollar you get more truck for the money with the ram. And with the 2019 models having a new body style you...
by Ruger
Wed Nov 07, 2018 11:24 pm
Forum: Personal Consumer Issues
Topic: Filing cabinet recommendations
Replies: 10
Views: 794

Re: Filing cabinet recommendations

I second Hon. Very well made. I actually have found a couple at the Goodwill and snapped them up.
by Ruger
Wed Sep 26, 2018 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: Best Way to Apply for Social Security Widow Benefits and More
Replies: 15
Views: 1341

Re: Best Way to Apply for Social Security Widow Benefits and More

You cannot apply online for widow's benefits, you have to go into the office in person. I don't believe this is true. What happened to the telephone appointments? That is how I applied for mine (widow's benefit) in 2009. When I made the appointment they told me to mail them the death certificate, m...
by Ruger
Sat Sep 22, 2018 9:57 pm
Forum: Personal Consumer Issues
Topic: How to get rid of rabbits
Replies: 66
Views: 3922

Re: How to get rid of rabbits

Alexa9 wrote:
Sat Sep 22, 2018 9:52 pm
Pesky widdle wabbits. I'd try a plastic explosive shaped like their best friend the gopher.
Maybe Elmer Fudd and his shotgun would do the job.
by Ruger
Sat Sep 22, 2018 9:56 pm
Forum: Personal Consumer Issues
Topic: How to get rid of rabbits
Replies: 66
Views: 3922

Re: How to get rid of rabbits

Trapping works very well. Trap and relocate.
by Ruger
Thu Sep 20, 2018 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Best Way to Apply for Social Security Widow Benefits and More
Replies: 15
Views: 1341

Re: Best Way to Apply for Social Security Widow Benefits and More

Two questions: 1. I want to preserve the option of filing for my own benefit at age 70. I have read about the widows/widowers who have not had this option clearly explained to them and, as a result, lost money. What can I do to preserve my benefit? I am sorry for your loss. I am in the same situati...
by Ruger
Tue Sep 18, 2018 4:32 pm
Forum: Personal Consumer Issues
Topic: Inexpensive source for greeting cards?
Replies: 27
Views: 1708

Re: Inexpensive source for greeting cards?

I second Dollar Store. Nice selection of cards, two for $1.00.
Wal-Mart also have a choice of cards from .49-.97.
by Ruger
Sat Sep 08, 2018 10:50 pm
Forum: Personal Consumer Issues
Topic: Getting Top Dollar for Selling our Condo
Replies: 16
Views: 1338

Re: Getting Top Dollar for Selling our Condo

Fresh paint in trendy but neutral color. Nothing worse than a beat up paint job.
by Ruger
Sat Sep 08, 2018 10:45 pm
Forum: Personal Consumer Issues
Topic: Older Toyota/Honda/Similar owners: How often do you clean your car?
Replies: 36
Views: 2249

Re: Older Toyota/Honda/Similar owners: How often do you clean your car?

1. Wash the exterior of your car? (whether yourself, or a drive-through carwash, or dealer-service included thing) Almost never. I live on a gravel road, so trying to keep it clean is impossible. I let the rain wash it off, or once in a blue moon if I need to have the car presentable I will wash it...
by Ruger
Wed Sep 05, 2018 10:24 am
Forum: Personal Consumer Issues
Topic: Your experience with Nitrous for a dental implant?
Replies: 27
Views: 1341

Re: Your experience with Nitrous for a dental implant?

Although I haven't had dental implants, I had general when I had my wisdom teeth removed and nitrous when I have a crown put on. Both worked fine. With the nitrous I can remember hearing a distorted version of the dentist talking to his assistant, but that is is. Don't remember anything about the pr...
by Ruger
Thu Aug 30, 2018 12:21 pm
Forum: Personal Consumer Issues
Topic: Mega Downsize....
Replies: 113
Views: 12601

Re: Mega Downsize....

There are businesses that will come clean out your garage or storage shed or whatever for free but they keep everything in it. If you are sure there is nothing in there you want, you might think about hiring one of them.
by Ruger
Wed Aug 15, 2018 7:15 am
Forum: Personal Finance (Not Investing)
Topic: Using ACA for early retirement years
Replies: 103
Views: 7887

Re: Using ACA for early retirement years

Yes, I have been on ACA since I retired. Next year I go on Medicare.
Without ACA I probably wouldn't have been able to retire, given the cost of the insurance without the subsidy.
by Ruger
Wed Aug 15, 2018 7:05 am
Forum: Personal Consumer Issues
Topic: How often do you check your brokerage accounts
Replies: 77
Views: 5402

Re: How often do you check your brokerage accounts

I look at my total balance daily just to make sure nothing funny is going on. Got a voice mail yesterday from my financial advisor at Fidelity wanting to know why I had moved my money out of Fidelity. I had not made any such move, and knew from having checked my balance that morning everything was s...
by Ruger
Fri Aug 10, 2018 1:57 pm
Forum: Personal Investments
Topic: Rental Property as an Investment?
Replies: 20
Views: 1243

Re: Rental Property as an Investment?

It's been listed since May, 2018. How many real estate investors have looked at the property and taken a pass at it since then....my guess is for good reason. If it were a deal, it would had been swept up by now in this hot market. Not only that, but it had two sales that fell through in less than ...
by Ruger
Mon Aug 06, 2018 12:55 pm
Forum: Personal Consumer Issues
Topic: Best Counter Depth Side by Side refrigerator
Replies: 24
Views: 2534

Re: Best Counter Depth Side by Side refrigerator

I bought a Samsung about seven years ago and I've never had a problem with it. I was also told it can be hard to get parts of LG and to avoid it.
by Ruger
Mon Aug 06, 2018 12:52 pm
Forum: Personal Consumer Issues
Topic: "Dollar Tree Store" favorites
Replies: 84
Views: 7019

Re: "Dollar Store" favorites

Lots of greeting cards, kitchen utensils.
by Ruger
Mon Jul 23, 2018 11:21 pm
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 433
Views: 58831

Re: Flaunt Your High-Mileage Car

1999 Camry XLE with 322,000 miles on it. Still runs great but just gave it to my nephew so he could have a car to get to work.
by Ruger
Thu Jul 19, 2018 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone not have a Budget?
Replies: 115
Views: 8090

Re: Anyone not have a Budget?

I don't have a budget, but I do keep a spreadsheet where I keep track of every penny I spend. At the end of the month I check to see if I have brought more money in than I have spent. So far so good, but if I ever start trending to spending more than comes in, I'll start cutting expenses.
by Ruger
Fri Jul 13, 2018 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Logging out 20 acre lot?
Replies: 37
Views: 2750

Re: Logging out 20 acre lot?

I logged part of my property many years ago, so I don't remember the details. First, check with the county and the state before you do anything. The state insisted that we had a stream on our property and that we could not log around it and had to take precautions. Only problem was there was not a s...
by Ruger
Fri Jul 13, 2018 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Anyone experienced landlords here? Caught some of my tenants renting out rooms. Anything I should do?
Replies: 33
Views: 6222

Re: Anyone experienced landlords here? Caught some of my tenants renting out rooms. Anything I should do?

dknightd wrote:
Thu Jul 12, 2018 7:45 pm



As long as they are not causing a problem, or breaking a law, I would not worry about it.
I would however make sure they know I know what is going on, and I would raise the rent to cover the increased wear and tear on the property from three tenants being there instead of one.
by Ruger
Fri Jun 08, 2018 10:34 am
Forum: Personal Consumer Issues
Topic: good place to buy window curtains
Replies: 9
Views: 995

Re: good place to buy window curtains

JC Penny has a huge selection at reasonable prices, especially if you get them on sale plus another % off for using your Penny's credit card.
by Ruger
Sun May 20, 2018 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: What’s your phone/internet bill?
Replies: 92
Views: 7248

Re: What’s your phone/internet bill?

Where I live Frontier is the only option for internet. I pay about $78 a month for the land line and internet service.
by Ruger
Sun May 20, 2018 5:10 pm
Forum: Personal Consumer Issues
Topic: Home Depot's Life Proof Rigid Core Vinyl Flooring
Replies: 6
Views: 1082

Re: Home Depot's Life Proof Rigid Core Vinyl Flooring

I've purchased sheet vinyl and plank vinyl flooring from HD and not had problems with it. However, I installed in my self so can't give you any feedback on their installers. However, I have had appliances installed via HD when I purchased them there and was happy with the service. I would hope HD wo...
by Ruger
Tue May 15, 2018 12:18 pm
Forum: Personal Consumer Issues
Topic: keyless ignitions and carbon monoxide
Replies: 83
Views: 5994

Re: keyless ignitions and carbon monoxide

I have the keyless start on my car, and I love it. I don't understand how people can walk away with their car running. Pushing the button is just as easy to remember as turning the key and removing it before leaving the vehicle. +1 I wonder if anyone keeps stats on carbon monoxide deaths from peopl...
by Ruger
Tue May 15, 2018 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Tenant/Landlord Question
Replies: 12
Views: 1330

Re: Tenent/Landlord Question

Yes, check the lease and state and local laws. If nothing is said about it (which I find hard to believe) I would think 60 days would be adequate.
by Ruger
Mon May 14, 2018 10:39 am
Forum: Personal Consumer Issues
Topic: keyless ignitions and carbon monoxide
Replies: 83
Views: 5994

Re: keyless ignitions and carbon monoxide

I have the keyless start on my car, and I love it. I don't understand how people can walk away with their car running. Pushing the button is just as easy to remember as turning the key and removing it before leaving the vehicle.
by Ruger
Fri May 11, 2018 1:00 pm
Forum: Personal Consumer Issues
Topic: Anyone buy carbon offsets when flying?
Replies: 111
Views: 5993

Re: Anyone buy carbon offsets when flying?

Assuming this is a serious post: I don't consider the carbon footprint in anything I do. It does not make any difference. You are kidding yourself. This is all a big scam. Put your money in mutual funds. You and your heirs will both be better off. Two thumbs up! Invest in yourself, not "carbon offs...
by Ruger
Fri May 11, 2018 12:59 pm
Forum: Personal Consumer Issues
Topic: Anyone buy carbon offsets when flying?
Replies: 111
Views: 5993

Re: Anyone buy carbon offsets when flying?

DanMahowny wrote:
Fri May 11, 2018 9:28 am
No moral dilemma here. In my view it's a complete waste of money. Sorry man.
I agree. I'm keeping my money.
by Ruger
Fri May 11, 2018 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: ques
Replies: 47
Views: 4963

Re: Should I pay cash for a house?

mortfree wrote:
Fri May 11, 2018 2:42 am
1.5 baths?

If you plan to stay single, ok.

If not then this may not be the house for you.

Although this is off the OP question, I agree with it. 1 1/2 bath houses are not as desirable as at least 2 full baths.
I wouldn't purchase anything less than 2.
by Ruger
Fri Apr 27, 2018 3:51 pm
Forum: Personal Consumer Issues
Topic: Do you sell or donate unused items?
Replies: 46
Views: 3464

Re: Do you sell or donate unused items?

I donate. It's not worth my time to try to sell stuff just to make a few bucks.
If I had anything worth real money that I no longer wanted, that I would sell. But so far that situation has never happened.
by Ruger
Fri Apr 27, 2018 2:13 am
Forum: Personal Consumer Issues
Topic: Ikea Quality
Replies: 37
Views: 3559

Re: Ikea Quality

What do folks think about the quality of Ikea accent and storage furniture? In particular, their Besta, Billy, or Kallax series (but open to other suggestions)? I have all three of those, plus a desk and a metal storage cabinet. I wasn't expecting them to last long, and kind of considered them temp...
by Ruger
Tue Apr 03, 2018 9:55 am
Forum: US Chapters
Topic: Master Thread for Portland, Oregon
Replies: 145
Views: 49342

Re: Master Thread for Portland, Oregon

Hi, just found out about these meetings. Although I don't live in Portland, I'm near enough that I don't mind the drive.
Looking forward to coming to the next meeting.
by Ruger
Sun Mar 25, 2018 9:59 pm
Forum: Personal Consumer Issues
Topic: Going to Israel need help planning
Replies: 12
Views: 1652

Re: Going to Israel need help planning

A lot depends on what things you want to see- the first time I went to Israel I went with an El Al tour. It was in the early 90's but it was very good and there were a lot of people in the age range you mention. They have several packages available. https://www.elal.com/SiteCollectionDocuments/Branc...
by Ruger
Fri Mar 16, 2018 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Cost of a quality will?
Replies: 17
Views: 2070

Re: Cost of a quality will?

I just redid my will. It was $700 which included not only the will but POA and advanced health directive.
by Ruger
Fri Mar 09, 2018 12:01 pm
Forum: Personal Consumer Issues
Topic: No hot air or hot water, what are my options with the landlord?
Replies: 20
Views: 1137

Re: No hot air or hot water, what are my options with the landlord?

Check the tenants' rights in your area. Landlords are required to provide hot water and heat--or at least a supply to them. Lack of hot water and heat (either or both) renders the unit uninhabitable (unlivable). This. The landlord needs to supply a unit that is habitable. If they don't take care of...
by Ruger
Wed Mar 07, 2018 9:55 pm
Forum: Personal Consumer Issues
Topic: Replacing vanities?
Replies: 21
Views: 2216

Re: Replacing vanities?

Make sure the vanity is level and plumb or the drawers may not function properly.
I learned this the hard way :)
by Ruger
Mon Mar 05, 2018 4:22 pm
Forum: Personal Consumer Issues
Topic: Etiquette of hanging up on live telemarketers
Replies: 77
Views: 4502

Re: Etiquette of hanging up on live telemarketers

I just hang up on them. It's rude of them to call me.
However, I also realize they are trying to make a living so I don't act abusive towards them. I'm sure they are used to getting hung up on.