Search found 226 matches

by Yooper16
Wed Jul 17, 2019 12:14 pm
Forum: Personal Consumer Issues
Topic: replacing mulch bed recommendations
Replies: 22
Views: 792

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: 1060

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: 690

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: 979

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: 979

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: 3832

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: 1362

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: 4864

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: 2659

Re: Recommendation for light beer.

Try Becks Light---- it still has a tad of body to it.
by Yooper16
Mon Jun 17, 2019 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Selling Home - When to Reduce Price?
Replies: 27
Views: 2120

Re: Selling Home - When to Reduce Price?

Sounds to me that your competition is the "lesser price, less desirable" area, but you are priced closer to the nicer area. Probably not gonna work well that way. The perceived stability of an area is what creates the longterm value. Sounds like you are in a transitional neighborhood. Whats the grea...
by Yooper16
Fri Jun 14, 2019 4:50 pm
Forum: Personal Consumer Issues
Topic: The Upper Peninsula (UP) in August....What to do, Where to stay?
Replies: 36
Views: 2691

Re: The Upper Peninsula (UP) in August....What to do, Where to stay?

Happy to read that you will have "whatever time you need". And that hiking and biking are part of your gig. Life here is like the melting snow-- it will melt when it does-- no sense trying to rush it. Funny thing that that attitude is both the blessing and curse of the UP. One of the biggest complai...
by Yooper16
Fri Jun 14, 2019 9:31 am
Forum: Personal Consumer Issues
Topic: The Upper Peninsula (UP) in August....What to do, Where to stay?
Replies: 36
Views: 2691

Re: The Upper Peninsula (UP) in August....What to do, Where to stay?

Most everything, from history to present, revolves around wood, weather, water and the extraction of natural resources. In Houghton, Hancock, Calumet and Larium you will find the visual remainders of enormous wealth that was created from copper. Sadly you will also see the decaying remains of the pr...
by Yooper16
Fri Jun 14, 2019 9:14 am
Forum: Personal Consumer Issues
Topic: The Upper Peninsula (UP) in August....What to do, Where to stay?
Replies: 36
Views: 2691

Re: The Upper Peninsula (UP) in August....What to do, Where to stay?

My favorite area of the UP is from around Munising to the Kewanee Peninsula. The Kewanee is probably my favorite among favorites. Probably would remind people of the coast of Maine etc. The is more of the rugged area. Dozens and dozens of waterfalls, most with a small sign directing you. No expressw...
by Yooper16
Thu Jun 13, 2019 4:28 pm
Forum: Personal Consumer Issues
Topic: Tips for new pet owner [puppy]
Replies: 71
Views: 4010

Re: Tips for new pet owner

Get the dog used to having its feet handles, so you can trim the nails. We use a Dremel grinding tool Great advice! I clean our dogs ears and use a Dremel to trim our dogs' nails once per week. It only takes about 10 minutes to do both dogs. They don't love it but they tolerate since they get a den...
by Yooper16
Thu Jun 13, 2019 9:01 am
Forum: Personal Consumer Issues
Topic: Tips for new pet owner [puppy]
Replies: 71
Views: 4010

Re: Tips for new pet owner

Old English Sheepdog onwers--present and past--lots of experience on the following items. Your Havanese will have the same issues. Need to wash the muzzle a coople of times a week--- stinky food and crotch licking smells. Maybe have to pluck hair from inside and trim hair around the outside to reduc...
by Yooper16
Thu Jun 13, 2019 8:33 am
Forum: Personal Consumer Issues
Topic: (Water Filtration System) Miracle we are all not dead
Replies: 61
Views: 5549

Re: (Water Filtration System) Miracle we are all not dead

You don't need an independent lab, do you think the municipal water agency is lying? Put away your tin foil hats everyone. Tell that to the folks in Flint, Michigan. They lying was at multiple government levels, from what I understand. I'm not suggesting OP has water problems like Flint did. But if...
by Yooper16
Tue Jun 11, 2019 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Risk with undischarged mortgage?
Replies: 7
Views: 417

Re: Risk with undischarged mortgage?

We had a line of credit when we first purchased our previous house. Paid it of, and a couple of years later refied the mortgage with a different lender. During this time the original bank was sold and the original title agency was split into two differant companys. Things got lost apparently. We had...
by Yooper16
Tue Jun 11, 2019 5:06 pm
Forum: Personal Consumer Issues
Topic: Pairing Sherwin Williams "Accessible Beige"
Replies: 16
Views: 1000

Re: Pairing Sherwin Williams "Accessible Beige"

Use a primer as your ceiling paint. It is whiter than standard white ceiling paints that have that greyish undertone. Or as has been suggested, use a bright white tint base. Your paint store should be able to provide swatches for the tone of the tint base to compare. The primer will not have as much...
by Yooper16
Wed Jun 05, 2019 9:32 pm
Forum: Personal Consumer Issues
Topic: Dental & Vision Coverage
Replies: 16
Views: 1362

Re: Dental & Vision Coverage

Our coverage is through an employer plan available as we are retired. Tad less than $50 per month. We will keep it for a few more years. We both have some crowns that are approaching the end of their life-- in the 15-20 years old range. With our coverage a crown replacement costs us about $300. With...
by Yooper16
Sun Jun 02, 2019 7:52 am
Forum: Personal Consumer Issues
Topic: Painting Cabinets - Is it that hard ?
Replies: 38
Views: 2988

Re: Painting Cabinets - Is it that hard ?

As others have said--use an oil based or at minimum an water modified oil for the finish.

Pardon the grammar --- an oil/alkyd finish just seems to have a "more better" looking finish.
by Yooper16
Sat Jun 01, 2019 8:43 am
Forum: Personal Consumer Issues
Topic: Painting Cabinets - Is it that hard ?
Replies: 38
Views: 2988

Re: Painting Cabinets - Is it that hard ?

Read and re-read what Sandtrap posted on how to do it. Takes a great deal of time but well worth the effort. We basically do the same thing, on the trim etc on the 2nd floor of this old house. We do use a water modified alkyd paint-- rather than a traditional straight oil based-- easier clean up but...
by Yooper16
Mon May 13, 2019 9:27 pm
Forum: Personal Consumer Issues
Topic: Mosquito Magnet
Replies: 4
Views: 730

Re: Mosquito Magnet

I have known people who have them---- some love 'em and some hate 'em.

The people that liked them let them run 24/hours a day 7 days a week or very nearly that.
The people that hated them, from what I had heard did not do that.
by Yooper16
Sat May 11, 2019 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Fed Employee/Retirement Issues
Replies: 24
Views: 1847

Re: Fed Employee/Retirement Issues

On the OPM website, there was/is a very good video series that provided a wealth of info. It really made the effort a bit less daunting and seemed to answer the bulk of questions that most anyone would have. I assume something similar is still present.

Check the OPM website.
by Yooper16
Sat May 11, 2019 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Tips for trading in diamond ring
Replies: 8
Views: 763

Re: Tips for trading in diamond ring

How new is the appraisal? Do you have a GIA(Gemological Institute of America), AGI certificate or whatever the present industry standard testing services are today? The GIA certs used to indicate the cut, color and clarity, refractiveness, luminescence and other traits. If your appraisal was done by...
by Yooper16
Sat May 11, 2019 12:45 pm
Forum: Personal Consumer Issues
Topic: Best way to kill poison ivy
Replies: 43
Views: 2290

Re: Best way to kill poison ivy

This from Michigan State University, Ag Dept If you prefer not to use a herbicide product, sprinkling borax powder on the foliage is a control option. This should kill the plant in 3 weeks. You may need to perform this treatment for more than one growing season. Although applying salt water to poiso...
by Yooper16
Sat May 11, 2019 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Fed Employee/Retirement Issues
Replies: 24
Views: 1847

Re: Fed Employee/Retirement Issues

It has been 8 years and through CSRS, but I'm sure that any differences are tiny. My recollection may be off a tad. The process is very smooth, it does require a bit of effort on your part. Paperwork, phone conference to go over the paperwork and then more paperwork. They will verify and reverify yo...
by Yooper16
Fri May 10, 2019 10:01 pm
Forum: Personal Consumer Issues
Topic: Mosquito control in Central Va
Replies: 22
Views: 1617

Re: Mosquito control in Central Va

Aromatic oils can be applied on the yard. The purpose is to hide the mammal scent. Same theory as Tiki torches, citronella candles etc. We stopped using insecticides broadly a few years after we moved into our previous residence and went to the aromatic oils and the bacteriacides available for damp ...
by Yooper16
Fri May 10, 2019 9:34 pm
Forum: Personal Consumer Issues
Topic: grubs and skunks
Replies: 17
Views: 1539

Re: grubs and skunks

Some years ago I used Grubex a few seasons. I still had moles but it sure got rid of the earthworms. After trying several different mole traps, I've used this type with fairly good success. https://www.lehmans.com/product/mole-trap?gclid=Cj0KCQjwn8_mBRCLARIsAKxi0GKvcFuKYtBo39GxdRIRmDcGDUeSt47h5QWoC...
by Yooper16
Fri May 10, 2019 9:21 pm
Forum: Personal Consumer Issues
Topic: Replacement Window shopping advice
Replies: 20
Views: 1492

Re: Replacement Window shopping advice

Who did the install? Leak like a sieve or do you mean rain coming in, or condensation on the inside of the windows?

I really doubt that its the windows, but rather improper install.
by Yooper16
Thu May 09, 2019 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: Applied for Medicare, now can't view SS Statement online
Replies: 2
Views: 351

Re: Applied for Medicare, now can't view SS Statement online

Just temporary. It'll be back. Don't recall how long it was, but I don't think it was more than a couple of weeks.
by Yooper16
Thu May 09, 2019 3:55 pm
Forum: Personal Consumer Issues
Topic: Replacement Window shopping advice
Replies: 20
Views: 1492

Re: Replacement Window shopping advice

I would rather have cheap windows that have been properly installed than expensive windows not installed correctly. -- square to frame, level, properly caulked, spray foam/insulation at sill and trim area. Many drafts occur not from the window or even the install, but that gap at the frame to the fi...
by Yooper16
Thu May 09, 2019 2:24 pm
Forum: Personal Consumer Issues
Topic: Recycling Different Plastics
Replies: 63
Views: 3412

Re: Recycling Different Plastics

Saw this article a few days, about a company using tech from Europe to burn plastics. Makes it sound as tho it is a proven/accepted process in Europe. Ironically being used in coal country. https://finance.yahoo.com/news/trashy-alternative-fuel-emerging-deep-110000448.html And a new polymer being de...
by Yooper16
Thu May 09, 2019 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Why is Social Security pushing retroactive benefits?
Replies: 32
Views: 3775

Re: Why is Social Security pushing retroactive benefits?

This is a cut from the Forbes article mentioned upstream. "The lump sum benefit option isn’t new. The option's been available when claiming retirement benefits at your full retirement age (FRA) or later. Social Security representatives are required to fully explain this choice to eligible applicants...
by Yooper16
Thu May 09, 2019 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Why is Social Security pushing retroactive benefits?
Replies: 32
Views: 3775

Re: Why is Social Security pushing retroactive benefits?

Its a "damned if they do, damned if they don't" problem.

Someday there will be a thread about someone being PO'd that SS didn't notify them about the differant collection options they have at the time. :oops:
by Yooper16
Thu May 09, 2019 8:52 am
Forum: Personal Consumer Issues
Topic: grubs and skunks
Replies: 17
Views: 1539

Re: grubs and skunks

Some years ago I used Grubex a few seasons. I still had moles but it sure got rid of the earthworms. After trying several different mole traps, I've used this type with fairly good success. https://www.lehmans.com/product/mole-trap?gclid=Cj0KCQjwn8_mBRCLARIsAKxi0GKvcFuKYtBo39GxdRIRmDcGDUeSt47h5QWoC...
by Yooper16
Thu May 09, 2019 8:43 am
Forum: Personal Consumer Issues
Topic: grubs and skunks
Replies: 17
Views: 1539

Re: grubs and skunks

<snip...>Or --- get rid of your earthworms, or any other kind of buggy, slimey thing that thrives in your soil. Actually, earthworms are quite beneficial to soil, and your lawn. Grubs (the larvae of insects) are not, however. - Ron Sorry 'bout that. This was one of those cases where sarcasm didn't ...
by Yooper16
Tue May 07, 2019 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: Walk away from my auto lease?
Replies: 154
Views: 7750

Re: Walk away from my auto lease?

Practical help would be take it to a mechanic for a review.

Go online to an appropriate car/manufacturer forum and look for similar issues. Our Transit Van has one strictly on that type of vehicle.

Otherwise good luck.
by Yooper16
Tue May 07, 2019 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Walk away from my auto lease?
Replies: 154
Views: 7750

Re: Walk away from my auto lease?

The idea is that the auto maker broke our agreement by not honoring the warranty. But this isn't really worth arguing about. I'm interested in how this will play out in the real world. I've missed 1 payment and am 20 days late. I've done several 2 year auto leases. Oh and if the mortgage company pr...
by Yooper16
Tue May 07, 2019 2:59 pm
Forum: Personal Consumer Issues
Topic: grubs and skunks
Replies: 17
Views: 1539

Re: grubs and skunks

Or --- get rid of your earthworms, or any other kind of buggy, slimey thing that thrives in your soil. They will also eat the tree fall apples etc.

Do you have grubs--- did you dig up sections of turf to verify?

They will eat whatever is available seasonally.

Milky Spore is the better alternative.
by Yooper16
Tue May 07, 2019 11:51 am
Forum: Personal Consumer Issues
Topic: ants - aargh
Replies: 69
Views: 4171

Re: ants - aargh

Most insecticides are non-selective. One that comes to mind that is somewhat selective is Imidacloprid(grubex) which is somewhat selective in that it is mostly of an ingested chemical. Absolutely no systemic chemicals should be used where you plant edibles or if you are planning a bee garden as ther...
by Yooper16
Tue May 07, 2019 8:25 am
Forum: Personal Finance (Not Investing)
Topic: How much do you donate?
Replies: 100
Views: 7572

Re: How much do you donate?

About 6-7% a year, that we keep track of. Goes to scholarships at the local university, for 2 freshman coming from out of the area or even out of state, that wish to study environmental and physical sciences. If they stay for the following years and maintain academic eligibility they receive a somew...
by Yooper16
Mon May 06, 2019 3:13 pm
Forum: Personal Consumer Issues
Topic: Sofa Purchase
Replies: 11
Views: 1151

Re: Sofa Purchase

Can't help on the Ekornes couch, but we have had 2 Ekornes recliners for about 20 years. Still in great shape, leather has that wonderful aged look after this time. Still very comfy. Had to tighten the screws on the foot rests and the arms recently, for the first time.
by Yooper16
Sun May 05, 2019 9:22 am
Forum: Personal Finance (Not Investing)
Topic: House Hunting Duration: 10 Months Too Long?
Replies: 16
Views: 1900

Re: House Hunting Duration: 10 Months Too Long?

We started the thinking and talking process a couple of years ahead. This was for our retirement home and location so maybe a bit different. Spent many a late spring, summer, early fall evenings sitting on the front porch drinking our favorite adult beverage listening to music while talking about wh...
by Yooper16
Sun Apr 28, 2019 8:38 am
Forum: Personal Consumer Issues
Topic: weber grills
Replies: 34
Views: 2868

Re: weber grills

In my final few years of work life-- I worked at the local hardware which walking distance from my house--great way to transition to retirement. We sold Webers and they had for 20 years or more. One of the biggest reasons people gave for buying a new Weber was that after 15-20 years, they just felt ...
by Yooper16
Sun Apr 28, 2019 8:27 am
Forum: Personal Consumer Issues
Topic: Does DampRid work?
Replies: 6
Views: 766

Re: Does DampRid work?

Works well.
To save a ton of cash--- buy a bag of 100% calcium chloride ice melter--- same stuff. Just remember to keep the bag in a sealed container as it will absorb moisture and leave you with a bag of mushy, watery, slimey white goo.
by Yooper16
Thu Apr 25, 2019 8:15 am
Forum: Personal Finance (Not Investing)
Topic: Why should FEHB members buy Medicare Part B?
Replies: 172
Views: 20535

Re: Why should FEHB members buy Medicare Part B?

Is Standard GEHA OR BASIC BCBS better as a supplement to Medicare part B? Aetna direct is the one people mention a lot for Medicare. Not sure why it's not in this thread. We are intending to switch to it in May/June after I turn 65, as it is not recommended for use (Aetna customer support) other th...
by Yooper16
Fri Apr 19, 2019 11:59 am
Forum: Personal Investments
Topic: Thinking about selling stocks near all time highs
Replies: 98
Views: 9498

Re: Thinking about selling stocks near all time highs

I have never understood the "ire" that this action seems to raise. Been doing a similar thing, as we are mid 60s and 3 years into the retiree mode. Part of the reason for doing so, is that we now have three years of spending, reflecting and overall just understanding our budget an income levels bett...
by Yooper16
Fri Apr 19, 2019 8:47 am
Forum: Personal Consumer Issues
Topic: Controlling Ivy on walls
Replies: 26
Views: 1586

Re: Controlling Ivy on walls

contact a land grant college if you have one or go online to places like Michigan State University, Purdue, Univeristy of Illinios. They will have the most highly rated information regarding most any agriculture/horticulture info out there. Ivys have the ability to become 2 where there was one. Most...
by Yooper16
Thu Apr 18, 2019 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: leaving state job / pension. ..... bad idea?
Replies: 44
Views: 3547

Re: leaving state job / pension. ..... bad idea?

Your post says you " bought a new home and the expenses are just too high". Your words in " ". Sounds more like a case of buyers remorse and that to afford your home and lifestyle you need more money. Time to tighten the purse strings, sell off some stuff, pay off your debt. I'd stick with the prese...
by Yooper16
Wed Apr 17, 2019 4:31 pm
Forum: Personal Consumer Issues
Topic: Am I getting the runaround from my dentist?
Replies: 19
Views: 2009

Re: Am I getting the runaround from my dentist?

Amazing how different dentists work. The process at my dentist is: For a cleaning I pay nothing until claim s processed. For dental work, the dental office estimates insurance payment. I pay the part not covered immediately. I get a statement/bill/refund when claim is processed. Maybe a different d...