Search found 288 matches

by Yooper16
Sat Aug 08, 2020 7:48 pm
Forum: Personal Consumer Issues
Topic: Recurring Amazon Charge (fraud suspected)
Replies: 11
Views: 1303

Re: Recurring Amazon Charge (fraud suspected)

the times we have ordered from Amazon, the "shipping cost" portion for the order includes---free shipping with Amazon Prime--- but it requires you to join Prime-- saying so in less bold letters. It has always caused me to double check how i mark for the shipping. Gotta a feeling that that could be p...
by Yooper16
Mon Jun 29, 2020 9:36 am
Forum: Personal Consumer Issues
Topic: When to replace the Weber grille
Replies: 22
Views: 2085

Re: When to replace the Weber grille

At my final gig before retiring, a local hardware store, we sold a crap-load of Webers every year. The biggest reason given for replacing a Weber, was----- I just want a new one. The second biggest reason was---- I am giving one of my kids who just got a house the old one. These are also the reasons...
by Yooper16
Sat Jun 27, 2020 4:07 pm
Forum: Personal Consumer Issues
Topic: Site unseen offer on House
Replies: 39
Views: 3431

Re: Site unseen offer on House

sometimes you just have to do it. We bought our present house in March, sight unseen,2200 miles away. Offers were happening within a couple of hours of listing. Paid 5% over asking. Other than she was lousy at housecleaning--so far so good. We sold our house, that we moved from to buy the above, sig...
by Yooper16
Sat Jun 27, 2020 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Very Suspect Collection Agency Letter
Replies: 16
Views: 1369

Re: Very Suspect Collection Agency Letter

I have had xrays read electronically 1/2 way across the country- you don't have to be there or anywhere nearby anymore. I have had medical reimbursements being reviewed for months after it was submitted. I have had a medical claim turned to collections a couple of years later-- the hospital billing ...
by Yooper16
Sat Jun 27, 2020 11:19 am
Forum: Personal Consumer Issues
Topic: I keep getting someone else's mail
Replies: 27
Views: 2105

Re: I keep getting someone else's mail

Keep in mind a couple of things 1--- carrier is required to deliver the mail to the address -- the addressee is secondary. 2--- carrier really has no idea who lives at the address. Longtime carriers for the same area probably do-- but those days are rapidily winding down and they are being replaced ...
by Yooper16
Mon May 04, 2020 8:30 am
Forum: Personal Consumer Issues
Topic: Lawnmower recommendation
Replies: 65
Views: 4149

Re: Lawnmower recommendation

We have a Greenworks electric 2 bladed, 2 battery mower. Starting its 5th summer. Our yard is 95 by 160 so approx 15k sq ft. House and garage footprint is roughly 1500 sq ft. Double that just to provide some wiggle room on the math. We mow approx 10,000 sq ft. Because of the dampish climate, we mow ...
by Yooper16
Mon May 04, 2020 8:17 am
Forum: Personal Consumer Issues
Topic: How Long Should A Bed Last?
Replies: 30
Views: 2455

Re: How Long Should A Bed Last?

Do you flip and rotate your mattress a couple of times per year? A good friend is 6/10 and weighs 350 pounds. When I was visiting a few months ago, I commented about the mattress in the guest bedroom. His wife responded that even "good, expensive" mattresses only last on his side 5-6 years. His weig...
by Yooper16
Sat Mar 28, 2020 9:25 pm
Forum: Personal Consumer Issues
Topic: black stain on concrete: mold or hazard?
Replies: 16
Views: 1143

Re: black stain on concrete: mold or hazard?

Are the leaves out on the trees? Do the leaves have any sticky spots on them? Any black spots on the leaves? If the answers to the above are yes-- it might be bug excretion also called honey dew. It is generally created by leaf tissue sucking insects--aphids, mites, mealybugs and similar. It is esse...
by Yooper16
Sat Feb 01, 2020 10:19 am
Forum: Personal Consumer Issues
Topic: new toilet and old plumbing
Replies: 18
Views: 1391

Re: new toilet and old plumbing

Guessing by "higher" toilet you are meaning how tall it is. We have Mansfield Summits in this old house. 2 that are standard height and 2 that are called comfort height. Comfort height adds +1" and is wonderful on our aging bones. Mansfield is a well made, highly regarded company in Mansfield Ohio. ...
by Yooper16
Thu Jan 30, 2020 10:13 am
Forum: Personal Consumer Issues
Topic: Should I install modern water savings toilet in old building? Plumber says absolutely NOT TO
Replies: 52
Views: 5626

Re: Should I install modern water savings toilet in old building? Plumber says absolutely NOT TO

About the only negatives I can say about Toto is the white color was(maybe has changed) was a softer white than most US made fixtures so it was noticeable. Besides availability that was one reason we went with Mansfield instead of Toto on this house. Toto Aquia is a sleek handsome toilet, no snake o...
by Yooper16
Wed Jan 29, 2020 11:17 pm
Forum: Personal Consumer Issues
Topic: Should I install modern water savings toilet in old building? Plumber says absolutely NOT TO
Replies: 52
Views: 5626

Re: Should I install modern water savings toilet in old building? Plumber says absolutely NOT TO

Water flushes down the line. When the water is gone, air is left. Air plus moisture equals rust. The pipe will generally rust from the inside out, putting rusty flakey debris into the drain line helping to stop stuff from flowing through as easily. That's where the higher water volume from the old t...
by Yooper16
Wed Jan 29, 2020 10:31 pm
Forum: Personal Consumer Issues
Topic: Should I install modern water savings toilet in old building? Plumber says absolutely NOT TO
Replies: 52
Views: 5626

Re: Should I install modern water savings toilet in old building? Plumber says absolutely NOT TO

He is probably correct. Hopefully he also advised you that cast iron pipes for a residence are good for 75 years or so. For a commercial type building asyou have, you have probably already hit the expected life span. Hold onto your pocketbook when that bill comes up. All of our old houses have been ...
by Yooper16
Tue Jan 28, 2020 2:27 pm
Forum: Personal Consumer Issues
Topic: Need railing for steps to front porch
Replies: 17
Views: 1120

Re: Need railing for steps to front porch

Just thinking that if you need to do something quickly a safe temporary solution could be buying 2 of these a couple of 4/4 and a couple of 2/4 and some exterior screws. You and a neighbor could be done in 2 hours. Assuming your ground isn't frozen solid as the winter has been somewhat mild. https:/...
by Yooper16
Tue Jan 28, 2020 1:57 pm
Forum: Personal Consumer Issues
Topic: Need railing for steps to front porch
Replies: 17
Views: 1120

Re: Need railing for steps to front porch

Easiest is probably installing 4x4 on the side, generally 3-4 ft concrete set in the ground. The railing could then be metal to match/similar to the house. This job could be done by a good handyman type contractor or deck and fence company. A deck and fence contractor could also do a metal install i...
by Yooper16
Mon Jan 13, 2020 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Should I keep Medicare B on employer's plan?
Replies: 2
Views: 299

Re: Should I keep Medicare B on employer's plan?

Be certain that the employers plan allows for not enrolling in Part B. I know of a number of instances where enrolling in Part B is required.
by Yooper16
Mon Jan 13, 2020 11:18 am
Forum: Personal Finance (Not Investing)
Topic: drop Part B Medicare and use FEHB instead?
Replies: 13
Views: 1413

Re: drop Part B Medicare and use FEHB instead?

We are not subjected to IRMAA, one advantage to modest income :happy , but we did seriously consider not going with Part B. Even as a modest income household it was borderline on going with Part B. There are some FEHB policies that come with reduced premiums and an HRA from 900-1200 per person, but...
by Yooper16
Sun Jan 12, 2020 10:18 am
Forum: Personal Finance (Not Investing)
Topic: drop Part B Medicare and use FEHB instead?
Replies: 13
Views: 1413

Re: drop Part B Medicare and use FEHB instead?

We are not subjected to IRMAA, one advantage to modest income :happy , but we did seriously consider not going with Part B. Even as a modest income household it was borderline on going with Part B. There are some FEHB policies that come with reduced premiums and an HRA from 900-1200 per person, but ...
by Yooper16
Mon Dec 30, 2019 5:25 pm
Forum: Investing - Theory, News & General
Topic: is this for real? [ProShares Pet Care ETF (PAWZ)]
Replies: 16
Views: 1379

Re: is this for real? [ProShares Pet Care ETF (PAWZ)]

But, if you are selling this to people who want to "capitalize on peoples' passions for pets," it is a little bit.. odd... to include stocks like these: CVS Group PLC Merck & Co. Inc. Nestle SA Colgate-Palmolive Co. J. M. Smucker Co. Tractor Supply Co. I was a bit curious from Nisiprius post so dec...
by Yooper16
Mon Dec 02, 2019 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: Feds: FEHB + Medicare Part B [Aetna Direct vs. BCBS Basic]
Replies: 24
Views: 993

Re: Feds: FEHB + Medicare Part B [Aetna Direct vs. BCBS Basic]

I see that I did slightly "mis-speak." Direct does not provide Chiro coverage, so that the only payee for Chiro is part B. We are responsible for the remainder.

Its $8.11 per visit. Think we can handle that.
by Yooper16
Mon Dec 02, 2019 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Feds: FEHB + Medicare Part B [Aetna Direct vs. BCBS Basic]
Replies: 24
Views: 993

Re: Feds: FEHB + Medicare Part B [Aetna Direct vs. BCBS Basic]

We switched to Direct in May when we both turned 65 and have applied the 900 each rebate to our part B premiums. Have to call every month, but the process is quick and painless. Rest of the processes between Medicare and Direct are invisible and smooth. A quick review of policies suggest that there...
by Yooper16
Mon Dec 02, 2019 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Feds: FEHB + Medicare Part B [Aetna Direct vs. BCBS Basic]
Replies: 24
Views: 993

Re: Feds: FEHB + Medicare Part B [Aetna Direct vs. BCBS Basic]

We switched to Direct in May when we both turned 65 and have applied the 900 each rebate to our part B premiums. Have to call every month, but the process is quick and painless. Rest of the processes between Medicare and Direct are invisible and smooth. A quick review of policies suggest that there ...
by Yooper16
Sun Nov 10, 2019 9:42 am
Forum: Personal Consumer Issues
Topic: Fruit Fly Problem
Replies: 27
Views: 3263

Re: Fruit Fly Problem

Have you cleaned the gunk out of your drain lines? Take you traps off the drain line--- if you have a dishwasher hooked up, take that drain line off and clean it out. Same for a garbage disposal. At minimum use a foaming drain cleaner-but removal, inspection and manual cleaning will be best. Bleach ...
by Yooper16
Mon Nov 04, 2019 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Fed dental plans in 2020: keeping, dropping or switching?
Replies: 30
Views: 2944

Re: Fed dental plans in 2020: keeping, dropping or switching?

We have the GEHA standard plan. Our zip code puts our 2020 premium at 47.84. It also covers our vision care and hearing if needed. Is it worthwhile to keep? Like you I am on the fence about that. Our previous FEHB medical plan (Rural Letter Carriers) had a small dental and vision component while our...
by Yooper16
Sun Nov 03, 2019 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: My Social Security not sending verification code
Replies: 20
Views: 1523

Re: My Social Security not sending verification code

Our emails are relayed through Charter/Spectrum to the email system attached to our Microsoft account/operating system. I do find that at times, that the relay from Charter does not happen in a timely manner. The delay happens often enough that if I am waiting for an emailed code, I sign into my Cha...
by Yooper16
Sun Oct 27, 2019 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: Do prices on umbrella policies adjust annually or remain fixed?
Replies: 14
Views: 1337

Re: Do prices on umbrella policies adjust annually or remain fixed?

Ours have remained fixed for the 18ish yrs we have had it. We have had no liability claims which is its purpose and only 1 not a fault car and 1 neighbors tree on the garage incident. Guess we will find out in January if the tree incident counts, when the next premium hits. Although as mentioned, th...
by Yooper16
Sun Oct 27, 2019 1:49 pm
Forum: Personal Consumer Issues
Topic: Is this new to engineering job hunting?
Replies: 33
Views: 4563

Re: Is this new to engineering job hunting?

Companies may have more restrictions on hiring full-time (policy or trying to maintain a leaner base of full-time people to keep long term) so they may use a fleet of contractors/consultants to help get projects completed. And then not have a high head count to pay full benefits for, especially if ...
by Yooper16
Wed Oct 23, 2019 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: How many estimates do you get when you need work done on your house?
Replies: 43
Views: 3033

Re: How many estimates do you get when you need work done on your house?

My goal is normally three estimates, and there is usually wide variation between them. Once I find a good carpenter, electrician, or plumber I just stick with them and don't bother with quotes. They're all self employed, man and a van type businesses with clear pricing. I care more about quality wo...
by Yooper16
Wed Oct 23, 2019 8:42 am
Forum: Personal Finance (Not Investing)
Topic: How many estimates do you get when you need work done on your house?
Replies: 43
Views: 3033

Re: How many estimates do you get when you need work done on your house?

Assuming they are all competent and the like, I would go with whichever one will provide a reliable hard start date. Relatives and friends from Tucson- Boston-SE Mich are all saying the same thing------it is taking months to get work done. If the expensive roofer can assure a start/finish date befor...
by Yooper16
Tue Oct 22, 2019 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: Spending Money - Surprising Low Fun Return
Replies: 58
Views: 6680

Re: Spending Money - Surprising Low Fun Return

instead of stuff for you--try stuff for someone else.

We started with 2 now do 3 smallish scholarships to the local U (2k each) One of the best days of the year is when we meet the recipients at the fall banquet.
by Yooper16
Sat Oct 19, 2019 9:33 am
Forum: Personal Investments
Topic: Another TSP issue...
Replies: 9
Views: 1292

Re: Another TSP issue...

When I worked for a luxury retailer, in the Jewelry salon with designer products(Yurman, Lagos, south sea pearls, platinum pieces etc), when an item was sent for repair/restoration/resize etc we always added a few days onto what we could reasonably expect to be the time table for that service. Or we...
by Yooper16
Sat Oct 19, 2019 8:40 am
Forum: Personal Investments
Topic: Another TSP issue...
Replies: 9
Views: 1292

Re: Another TSP issue...

Moving at the Speed of Government ! They'll get it done. I change mine every few years, depending on what child torques me off enough to do it, and it's usually my son. (2 daughters are fine) He's OK now, so, I changed it back to 33/33/34. As long as I mailed it in and they received it, I'm good to...
by Yooper16
Sat Oct 19, 2019 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Federal Employee Retirement & Timing
Replies: 5
Views: 919

Re: Federal Employee Retirement & Timing

I'm a little perplexed by reduced/undreduced also. However, you will not be getting your final correct pension total for a few months anyway. It took about 4 months for everything to work out. ' That's how is worked in 2011 with CSRS. Did you watch the online videos from OPM? Extremely helpful Getti...
by Yooper16
Fri Oct 18, 2019 9:25 pm
Forum: Personal Investments
Topic: Another TSP issue...
Replies: 9
Views: 1292

Re: Another TSP issue...

Easy answer---switch everything to Vanguard. Oh wait ------there are many multiple threads here about Vanguards website and outdated ways of doing transactions. :oops: Hoping you were just having a bad day. If these are the type of things that cause us such grief-- we are indeed a country that has s...
by Yooper16
Fri Oct 18, 2019 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: When to buy Fed. Long Term Care Ins. (FLTCIP)?
Replies: 13
Views: 1216

Re: When to buy Fed. Long Term Care Ins. (FLTCIP)?

I have the FLTCIP and have had it for about 8-10 years. Basic policy as we have additional funds stashed for additional dollars when/if that time comes. Started at 100/per day for 3 years and a 90 day wait. Good ? Bad? Doesn't matter now it is what it is. It has gone up $8 per month since I purchase...
by Yooper16
Wed Oct 16, 2019 8:45 am
Forum: Personal Consumer Issues
Topic: Cleaning dehumidifier
Replies: 3
Views: 375

Re: Cleaning dehumidifier

Seems to me that you need to take your de-humidifier outside and hose off the condensing coils, fins etc. These are what the water condenses on and ultimately drips into the pan. When we sold our previous house, we left 2 units there in the basement(large basement about 2500 sq ft). I cannot recall ...
by Yooper16
Sun Sep 29, 2019 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Dental Insurance for Retirees
Replies: 62
Views: 5331

Re: Dental Insurance for Retirees

But you have to be a government employee, no? Yeah-- you do have to be an employee or annuitant. But it does show that there are indeed dental etc policies that can be worthwhile. Its also possible that one of the reasons it is modest in price and provides a decent coverage is that it is a not for ...
by Yooper16
Sat Sep 28, 2019 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Dental Insurance for Retirees
Replies: 62
Views: 5331

Re: Dental Insurance for Retirees

We use GEHA(government employees health) for our dental, vision, and hearing. There is no premium support provided by the feds. We stick with the basic GEHA plan with a $2500 each max benefit for about $48 per month for self plus one premium. When we have a couple of crowns replaced along with our s...
by Yooper16
Tue Sep 17, 2019 8:22 pm
Forum: Personal Consumer Issues
Topic: International Medical emergency story [travel to Canada, no insurance]
Replies: 58
Views: 4446

Re: International Medical emergency story [travel to Canada, no insurance]

When we were crossing the border into Canada (at Calais, Maine), we asked for passport stamps, and were told by the border agent: "We don't just hand those out the way we used to. You would have to go into the office and have an interview and a criminal background check. I see you are NEXUS members...
by Yooper16
Wed Sep 04, 2019 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Employees Group Life Insurance Basic Policy After Retirement
Replies: 18
Views: 1044

Re: Federal Employees Group Life Insurance Basic Policy After Retirement

I don't recall many of the details on spouses anymore but in you calculation keep in mind the the "basic' is free after 65 as is the supplement if it is the lower tier. So I guess depending on the length of time until you turn 65 that would need to be factored in.
by Yooper16
Tue Sep 03, 2019 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Federal employee dental insurance
Replies: 17
Views: 1272

Re: Federal employee dental insurance

Not all fed medical policies have dental. Our present one does not, but we get a 900 per person HRA and the premiums dropped about 35 per month. Our previous fed medical did have a dental portion. We have a supplement GEHA for the dental/optical at 45ish per month covering both of us. At our previou...
by Yooper16
Sat Aug 31, 2019 8:34 am
Forum: Personal Consumer Issues
Topic: Lawn Tractor Recommendations?
Replies: 26
Views: 2067

Re: Lawn Tractor Recommendations?

Hire it out. It reads like you don't particularly maintain the mower and am guessing that you don't like mowing much. When was the last time you sharpened the blades? Do you know how to properly do it so as not to unbalance the blades? Unsharpened blades tear the grass and can be a major cause of la...
by Yooper16
Mon Aug 19, 2019 5:29 pm
Forum: Personal Consumer Issues
Topic: Battery powered lawn mower
Replies: 54
Views: 3772

Re: Battery powered lawn mower

40V Greenworks is into its 4th year, along with 3 other yard tools with the same interchangeable battery. Yard is a tad over 15000 sq,ft with probably 9000 in yard to mow. Easily does it with 1 and 1/2 batteries. Absolutely no reason for a "typical" bedroom community subdivision homeowner to buy gas...
by Yooper16
Wed Jul 31, 2019 11:17 am
Forum: Personal Consumer Issues
Topic: How are prescription costs determined?
Replies: 13
Views: 1055

Re: How are prescription costs determined?

The 1 med I take and it is temporary, through CVS mail order the charge to the insurer was $600ish for 90 days through an Aetna policy. The same 90 day refill, through a different Aetna managed policy(we changed when we hit 65) also filled by CVS mail order was $1400ish. Same employer, although diff...
by Yooper16
Wed Jul 31, 2019 11:09 am
Forum: Personal Consumer Issues
Topic: Gas oven and the smell of gas each time first turned on
Replies: 19
Views: 1109

Re: Gas oven and the smell of gas each time first turned on

Probably perfectly normal. Our previous gas range(different house) would have a more noticeable odor make a pretty noticeable "whomp" when it ignited but it was a commercial range. Our new range at this house is a standard 4 burner size. Very little odor and very little "whomp" At present we crack a...
by Yooper16
Sun Jul 28, 2019 7:37 pm
Forum: Personal Consumer Issues
Topic: Why do my Oral-B brush heads wear out so quickly?
Replies: 16
Views: 1748

Re: Why are my Oral-B brush heads wear out so quickly?

Ditto on ---pressing to hard--- Have never had that issue--- generally 2x daily use. Mini supplemental brushing, before going for a walk for instance are done the old fashion way. The Oral B has since been sent to the 3rd floor bath with the main bath now having a sonicare. No issues with those brus...
by Yooper16
Sat Jul 27, 2019 5:33 pm
Forum: Personal Consumer Issues
Topic: deck material: PVC vs. wood composite
Replies: 4
Views: 637

Re: deck material: PVC vs. wood composite

In a similar spot, as the perpetual maintenance on the wood decking and stairs of the front and rear porch is a drag. Have a little extra element, in so far that we get a lot of snow to be shoveled and we will use a couple hundred pounds of traction sand to prevent slipping. So even with good prep w...
by Yooper16
Sat Jul 27, 2019 5:04 pm
Forum: Personal Consumer Issues
Topic: Gas Stove
Replies: 23
Views: 1636

Re: Gas Stove

I bought a double oven whirlpool a few years ago, switching from electric, after the Sandy hurricane. I wanted to be able to cook without electricity. I learned to never assume! It turns out that Whirlpool, and all their affiliate brands, have a system that closes off the gas when power is off. Thi...
by Yooper16
Sat Jul 27, 2019 4:37 pm
Forum: Personal Consumer Issues
Topic: Repair of Brick Patio Wall
Replies: 3
Views: 401

Re: Repair of Brick Patio Wall

Take a look at the foundation of your house. You will notice that every other course of block is woven into the other at the corners. That way the whole unit shifts in greater unison. What adamthesymthe seems correct to me. I might be concerned that by anchoring into the brick into the "house" could...
by Yooper16
Thu Jul 25, 2019 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: First Home Purchase - Disagreement on Appraisal Contingency
Replies: 81
Views: 4076

Re: First Home Purchase - Disagreement on Appraisal Contingency

I'm easily confused and maybe mis-reading something. Is the apprasail contingency an additional item added after you've already have an signed agreement on price etc. In all our experiences the apprasail contingency(if one was requested ) was part of the sales agreement from the minute we signed wit...
by Yooper16
Sun Jul 21, 2019 9:30 pm
Forum: Personal Consumer Issues
Topic: **Most Cost, Time Effective Way to Repair Yard after Septic Repair? (with pictures)
Replies: 27
Views: 2144

Re: **Most Cost, Time Effective Way to Repair Yard after Septic Repair? (with pictures)

https://westerngardeners.com/planting-m ... ative.html
First say about this on This Old House.

Try miniclover and grass seed. If we were living at our previous address, I would def. try.
In our northern area, cool evening, dewey mornings, make a green lawn pretty routine.