Search found 267 matches

by Yooper16
Sun Nov 10, 2019 9:42 am
Forum: Personal Consumer Issues
Topic: Fruit Fly Problem
Replies: 24
Views: 2436

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: 2398

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: 1160

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: 1206

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: 4251

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: 2681

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: 2681

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: 6248

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: 1206

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: 1206

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: 804

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: 1206

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: 991

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: 314

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: 4931

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: 4931

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: 4161

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: 962

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: 1178

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: 1931

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: 3548

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: 1009

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: 1031

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: 1584

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: 561

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: 1520

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: 370

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: 3793

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: 1725

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.
by Yooper16
Fri Jul 19, 2019 9:56 pm
Forum: Personal Consumer Issues
Topic: Dumb phone
Replies: 35
Views: 3103

Re: Dumb phone

Just took a look at Consumer Cellular, who we use and got our phone thro. 2 flip phones available 1 for $30 and the slightly larger, with larger buttons for us oldsters is the Doro for $50. Plan is $15 for 250 minutes per month of talk only. The Doro flip and cheapie rate plan are perfect for us. O...
by Yooper16
Fri Jul 19, 2019 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: House not appraising for amount we were offered!
Replies: 137
Views: 14921

Re: House not appraising for amount we were offered!

Our previous house, had 5 offers(it might have been higher) within 36-48. None were below asking price, 1 maybe 2 were at asking, and the rest were above asking price. One was 25K over, with preapproval for a dollar figure higher than they needed. Our agent was not too concerned with the appraisail ...
by Yooper16
Fri Jul 19, 2019 9:36 pm
Forum: Personal Consumer Issues
Topic: Dumb phone
Replies: 35
Views: 3103

Re: Dumb phone

Just took a look at Consumer Cellular, who we use and got our phone thro. 2 flip phones available 1 for $30 and the slightly larger, with larger buttons for us oldsters is the Doro for $50. Plan is $15 for 250 minutes per month of talk only.

The Doro flip and cheapie rate plan are perfect for us.
by Yooper16
Fri Jul 19, 2019 9:31 pm
Forum: Personal Consumer Issues
Topic: finding transformer in attic with insulation (edited for correct name of component)
Replies: 36
Views: 2489

Re: finding transformer in attic with insulation (edited for correct name of component)

Have you looked in your garage, assuming you have one? This is where they normally are installed. Not always. It may depend on when the house was built or door bell was installed/updated. When I had to look for one in a 1950's track house in Southern California it was in the attic. I found it readi...
by Yooper16
Thu Jul 18, 2019 9:21 pm
Forum: Personal Consumer Issues
Topic: Home Renovations Can We Afford Them?
Replies: 5
Views: 1014

Re: Home Renovations Can We Afford Them?

Seems like you can. Biggest question you really have to answer is all at once or into smaller chunks. We are in year 3 of a 5 or so year plan in redoing this old Vic. 3rd floor is as it is for awhile, not really urgent as we did redo the bath and most of the wiring already. Pretty much done with the...
by Yooper16
Thu Jul 18, 2019 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Rate Game: When To Lock In Your Rate?
Replies: 6
Views: 608

Re: Mortgage Rate Game: When To Lock In Your Rate?

That's a great rate really. Based on your post it sounds like the house is somewhat well maintained and what you were looking for.

Using a cheapie online calculator Its about 15 per month more at 2.875 vs 2.75 for 120000. Cut out 2 McDonals lunches per month.
by Yooper16
Thu Jul 18, 2019 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: How unpleasant is the home buying/selling experience??
Replies: 40
Views: 3901

Re: How unpleasant is the home buying/selling experience??

Don't get me started on real estate agents - I've had awful experiences with multiple agents both buying and selling. I concur!! I look forward to the day when that monopoly crumbles!!! Ditto!! It is hard to believe we still have to pay a middleman 6% of our sales price of our home!! Real estate, o...
by Yooper16
Thu Jul 18, 2019 1:49 pm
Forum: Personal Consumer Issues
Topic: Garage Organization
Replies: 57
Views: 4858

Re: Garage Organization

All the organization things are great ---- once you get into the habit of using them.
by Yooper16
Thu Jul 18, 2019 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: House not appraising for amount we were offered!
Replies: 137
Views: 14921

Re: House not appraising for amount we were offered!

Way upthread you were lamenting the appraiser limiting "free enterprise". Free enterprise worked perfectly well within the contract(with provisions one undoubtedly being an apprisial) you made with the buyer--- you got more than you were hoping for and maybe more than the property was worth, but it ...
by Yooper16
Wed Jul 17, 2019 8:59 pm
Forum: Personal Consumer Issues
Topic: Your pick for a lawn edger
Replies: 30
Views: 2412

Re: Your pick for a lawn edger

We just turn our string trimmer on the side. Took a bit of getting used to as we previously(until we moved) had a standard edger.

Does just as nice, 1 less tool to buy, 1 less tool to store and 1 less tool to maintain.
by Yooper16
Wed Jul 17, 2019 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: How unpleasant is the home buying/selling experience??
Replies: 40
Views: 3901

Re: How unpleasant is the home buying/selling experience??

Since you start off under the belief that it is unpleasant, based on your thread title, you will not be disappointed. In the 5 year timeframe, by the time you pay what you have to in the original purchase and pay what you will have to in selling, the greatest likelihood is that you will loose money....
by Yooper16
Wed Jul 17, 2019 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: House not appraising for amount we were offered!
Replies: 137
Views: 14921

Re: House not appraising for amount we were offered!

Since you are strongly suggesting fraud----- let the bank know, and file a complaint with the appropriate licensing bureaus.
by Yooper16
Wed Jul 17, 2019 12:14 pm
Forum: Personal Consumer Issues
Topic: replacing mulch bed recommendations
Replies: 35
Views: 2722

Re: replacing mulch bed recommendations

No matter what you put down, the weeds will eventually return, usually from dirt/dust blowing in and decomposing matter creating a new seed bed. Also root systems will eventually find there way to seams of the fabric creating opening. Nothing will totally stop it, gravel on paths work pretty well fo...
by Yooper16
Tue Jul 16, 2019 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Health Care criteria for retirement
Replies: 8
Views: 1286

Re: Health Care criteria for retirement

Be sure to know if there are specialists that are available near where you retire. When I grew up in a rural area, our "General Practitioner" doctors handled almost everything - delivering babies - and patients of all ages from newborns to the elderly. Other than an Ophthalmologist, I never saw any...
by Yooper16
Tue Jul 16, 2019 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Home Purchase Options
Replies: 7
Views: 844

Re: Home Purchase Options

Larger home= more maintenance
Larger yard= more maintenance
Larger family= more responsibility

There is more to life than $$.
Do you really want to add an additional amount of work to the above by becoming a landlord? :oops:
by Yooper16
Mon Jul 15, 2019 8:44 pm
Forum: Personal Consumer Issues
Topic: Bathtub Mat Recommendation
Replies: 17
Views: 1298

Re: Bathtub Mat Recommendation

. I am no chemist but I know this - from years of dealing with these type problems The degree of success you get with any bath or kitchen product that claims to be mildew and mold resistant has a lot to do with your water. Hard or soft, well water or municipal, just exactly what type minerals/chemic...
by Yooper16
Mon Jul 15, 2019 5:14 pm
Forum: Personal Consumer Issues
Topic: Bathtub Mat Recommendation
Replies: 17
Views: 1298

Re: Bathtub Mat Recommendation

Where is the line between, the mat being mildew/mold resistant and the mildew/mold growing on soapy body residue? I don't know. Mold spores float in the air and look for moist places to land. Through in a bit of soap residue and microscopic pieces of body dander for a food source and you have all th...
by Yooper16
Fri Jul 12, 2019 8:16 am
Forum: Personal Consumer Issues
Topic: Why Is Cord Not Included?
Replies: 32
Views: 4285

Re: Why Is Cord Not Included?

I think the best answer is the plug type. Houses built before sometime in the 1990's had 3 prong plugs for dryers and ranges. Then, the NEC changed and required a separate grounding wire so the receptacles became 4 prong. There are lots of older houses, so no one will know which plug type you need....
by Yooper16
Fri Jul 05, 2019 9:17 am
Forum: Personal Consumer Issues
Topic: Tree fell against house. Assess possible damage?
Replies: 17
Views: 1626

Re: Tree fell against house. Assess possible damage?

Similar thing happened to us---except it was a large 10" diameter limb from a neighbors tree that hit our garage. We had also been looking at a garage redo in the future. Had a little extra hurdle as the owners had recently moved and we didn't have their number etc. Our agent said to arrange the rem...
by Yooper16
Sun Jun 30, 2019 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Intentional Divorce to avoid Marriage Penalties in tax code?
Replies: 54
Views: 5208

Re: Intentional Divorce to avoid Marriage Penalties in tax code?

I think marriage benefits are sparse for younger people. Before marriage equality for same-sex couples, I know some whose carefully drafted living wills were ignored by medical personnel. As unofficially married, you might find yourself in similar circumstances. Heck, if I’m not mistaken, you could...
by Yooper16
Mon Jun 17, 2019 12:41 pm
Forum: Personal Consumer Issues
Topic: Recommendation for light beer.
Replies: 41
Views: 3214

Re: Recommendation for light beer.

Try Becks Light---- it still has a tad of body to it.