Search found 102 matches
- Sat Feb 10, 2024 6:42 pm
- Forum: Personal Consumer Issues
- Topic: Carpet Cleaning: how often and any experience with Stanley Steemer?
- Replies: 12
- Views: 2146
Re: Carpet Cleaning: how often and any experience with Stanley Steemer?
Used SS for years but was disappointed that they don’t clean the carpet next to the baseboard, the dirt called filtration soil. It needs to be cleaned with solution and agitated in order to loosen the soil. The stain can then be removed with a crevice tool. Acquired my own shampooer for $200 and now do a couple rooms at a time on poor fishing days.
- Wed Jan 31, 2024 11:49 am
- Forum: Personal Consumer Issues
- Topic: Tilcare oral syringes (Not medical question)
- Replies: 12
- Views: 911
Re: Tilcare oral syringes (Not medical question)
+1silverlitegs wrote: ↑Wed Jan 31, 2024 11:44 am When we had to give medicine for a period of time to children we got these from the pharmacy with prescription. We would pull the plunger out and put all parts through dishwasher
Wonder why these are single use? We have a couple different size syringes which we have used for years for medicating pets. Easy to clean.
- Sun Dec 10, 2023 2:26 am
- Forum: Personal Consumer Issues
- Topic: [Exercises for physical balance]
- Replies: 43
- Views: 5946
Re: [Exercises for physical balance]
Walk backwards.
- Mon Nov 13, 2023 9:49 am
- Forum: Personal Finance (Not Investing)
- Topic: Estimating Life Expectancy Accurately - Defying the Lake Wobegon Effect
- Replies: 202
- Views: 23698
Re: Estimating Life Expectancy Accurately - Defying the Lake Wobegon Effect
Might check for an expiration date on your birth certificate.
- Fri Oct 06, 2023 6:27 pm
- Forum: Personal Consumer Issues
- Topic: Senior Discounts
- Replies: 33
- Views: 3901
Re: Senior Discounts
Our county provides seniors a 25% reduction in real estate tax, called a “homestead exemption”. You must apply for it.
- Mon Sep 11, 2023 12:47 pm
- Forum: Personal Consumer Issues
- Topic: Vanguard Site Down?
- Replies: 111
- Views: 5486
Re: Vanguard Site Down?
Worked perfectly! Puzzling why other login pages no longer work. Thank you!Artsdoctor wrote: ↑Mon Sep 11, 2023 11:19 am OK, just discussed with Vanguard this morning.
THERE HAS BEEN A SYSTEM-WIDE FAILURE FOR MANY CLIENTS AND I.T. IS WORKING ON THIS. IT APPARENTLY STARTED 9/7/23 AND IT HAS NOT BEEN CORRECTED YET. THERE IS A WORKAROUND THAT APPEARS TO BE WORKING. YOU SHOULD GO TO:
ownyourfuture.vanguard.com/home/login
USE YOUR CURRENT LOG ON INFORMATION AND YOU SHOULD BE ABLE TO ACCESS YOUR ACCOUNT.
- Mon Sep 11, 2023 12:42 pm
- Forum: Personal Consumer Issues
- Topic: Vanguard Site Down?
- Replies: 111
- Views: 5486
Re: Vanguard Site Down?
Same issue here with desktop all day yesterday. Cleared the cache, cookies, reinstalled browser and tried a new browser. “Sorry, we’re experiencing technical difficulties.” This is almost certainly not you, it is them. I experienced the same issue on Thursday and I'm still not able to log on using my user and password. I spoke with a rep on Thursday and it's definitely their end so I now have an IT ticket. Everyone else on the account can log on but my log on advice is frozen on all browsers, computers, mobile devices--it has nothing to do with the IP address. The account is locked and the rep could not unlock it, and it definitely did not occur because of log on mistakes. They offered to execute any orders I wanted to place on the phone. ...
- Sun Sep 10, 2023 6:57 am
- Forum: Personal Consumer Issues
- Topic: Vanguard Site Down?
- Replies: 111
- Views: 5486
Re: Vanguard Site Down?
Same issue here with desktop all day yesterday. Cleared the cache, cookies, reinstalled browser and tried a new browser. “Sorry, we’re experiencing technical difficulties.”
- Sat Sep 09, 2023 5:59 pm
- Forum: Personal Consumer Issues
- Topic: Any tips about owning a bunny?
- Replies: 106
- Views: 8896
Re: Any tips about owning a bunny?
Expect it to jump up on the carrier. Because rabbits are prey they will be less anxious if they have a covered box or den where they can hide and relax on occasion.gavinsiu wrote: ↑Sat Sep 09, 2023 5:35 pm Just picked up the bunny. Set up an enclosure for now. Will let it run around when the bunny is acclaimed. The bunny is bigger than I expected. So far it’s rather calm and friendly, and is willing to sit with the kids. It seem to spend most of its time in the literbox. This may be normal for rabbits.
- Mon Sep 04, 2023 4:32 pm
- Forum: Personal Consumer Issues
- Topic: Any tips about owning a bunny?
- Replies: 106
- Views: 8896
Re: Any tips about owning a bunny?
Feed adult rabbits mainly timothy hay to keep their teeth worn down. They are built for cool weather so mine are indoors today as it is 90 degrees in KY. Rabbits are social animals and prefer the company of a second rabbit. Male/female pairings are easiest, then males, then females (dominant).
- Mon Jul 10, 2023 10:29 am
- Forum: Personal Consumer Issues
- Topic: [Solved] Car Leaked on Landlord's Driveway
- Replies: 22
- Views: 3656
Re: Car Leaked on Landlord's Driveway
Your landlord is obviously trying to keep the new driveway in good condition. Since power washing, if done improperly, can damage concrete it would be wise to touch base with the landlord before doing so. No sense compounding a minor issue.
- Tue May 30, 2023 7:58 pm
- Forum: Personal Consumer Issues
- Topic: What frugal thing did you do today?
- Replies: 4535
- Views: 625603
Re: What frugal thing did you do today?
9 yr old auto . . . changed thermostat, hoses & coolant. Simple DIY saved $150 labor.
- Fri May 19, 2023 4:08 pm
- Forum: Personal Consumer Issues
- Topic: Strategies for Permanently Reducing Speeding on Residential Streets
- Replies: 139
- Views: 14268
Re: Strategies for Permanently Reducing Speeding on Residential Streets
Speed humps, not bumps. Effective and less objectionable than bumps.
- Mon May 01, 2023 9:16 am
- Forum: Personal Consumer Issues
- Topic: Rear Brakes @ 15%
- Replies: 34
- Views: 3700
Re: Rear Brakes @ 15%
“I couldn’t repair your brakes so I made your horn louder.” - Steven Wright
- Sun Apr 30, 2023 6:37 am
- Forum: Personal Consumer Issues
- Topic: Rear Brakes @ 15%
- Replies: 34
- Views: 3700
Re: Rear Brakes @ 15%
Personally, I find a butter knifer to be preferable to a steak knife. Less chance of damaging the brake hose.tibbitts wrote: ↑Sat Apr 29, 2023 7:54 pm Ignoring for the moment all the replies telling you that you can replace the rear brakes yourself in three minutes, blindfolded and using nothing but a kitchen knife, $400 is somewhat on the higher end. Maybe normal for a dealer; was the shop a dealer? The price will depends partly on what exactly parts are being replaced.
- Mon Apr 10, 2023 5:54 pm
- Forum: Personal Finance (Not Investing)
- Topic: Unable to view or print QCD checks at Vanguard
- Replies: 4
- Views: 449
Re: Unable to view or print QCD checks at Vanguard
The “workaround” that I use is to have the check mailed to me, make a copy, forward it to the charity along with a letter requesting acknowledgement. I suppose that would make copying the canceled check unnecessary.
- Sat Mar 18, 2023 5:44 pm
- Forum: Personal Consumer Issues
- Topic: Brake pads worn out after less than 3000 miles, options?
- Replies: 22
- Views: 2363
Re: Brake pads worn out after less than 3000 miles, options?
Inspecting pad thickness is not a difficult DIY and even cheap pads will last 2800 miles.
- Mon Feb 20, 2023 10:40 am
- Forum: Personal Finance (Not Investing)
- Topic: PSA--HR Block 1099R/QCD Glitch
- Replies: 5
- Views: 528
Re: PSA--HR Block 1099R/QCD Glitch
Suffice it to say that H&R Block software is not QCD friendly. There are other threads describing the work-around for QCDs from an inherited IRA.
- Fri Jan 13, 2023 12:54 pm
- Forum: Personal Consumer Issues
- Topic: Sub-$500 Home Improvement Projects That Increased Quality of Life
- Replies: 135
- Views: 23324
Re: Sub-$500 Home Improvement Projects That Increased Quality of Life
frost proof spigots, taller toilets, automated pet feeders, main water shutoff relocated from crawl space to first floor closet.
- Wed Jan 11, 2023 5:50 am
- Forum: Personal Consumer Issues
- Topic: Neighbor Performing Work in Easement Without Permission
- Replies: 32
- Views: 3589
Re: Neighbor Performing Work in Easement Without Permission
One way to address #2 and thwart a future adverse possession claim is to draft a written agreement.
- Mon Jan 09, 2023 1:50 pm
- Forum: Personal Investments
- Topic: I-Bond: Can't Deliver Gift
- Replies: 13
- Views: 1229
Re: I-Bond: Can't Deliver Gift
Delivered a gift today . . . asked for account number only.
- Sat Dec 10, 2022 9:39 am
- Forum: Personal Consumer Issues
- Topic: First time volunteering - suggestions
- Replies: 25
- Views: 2137
Re: First time volunteering - suggestions
Animal shelters love volunteers. Everything from helping potential adoptees with social skills to more mundane tasks. Be careful, though. You might end up becoming a failed foster parent and adopting.
- Thu Dec 08, 2022 8:58 am
- Forum: Personal Finance (Not Investing)
- Topic: Faxing personal information
- Replies: 19
- Views: 1016
Re: Faxing personal information
What are the alternatives?
- Sun Nov 06, 2022 5:53 pm
- Forum: Personal Consumer Issues
- Topic: Neighbor's lawn service not adhering to property line
- Replies: 108
- Views: 13152
Re: Neighbor's lawn service not adhering to property line
While talking with a neighbor about the issue is usually the best approach it is not without hazard. Working in good faith to address my neighbor’s concern that our fence and outbuilding were on her property (two surveys said otherwise) I was disappointed to later learn that she was secretly recording our conversation with a smartphone. While I didn’t say anything to be regretted it did violate my trust. A word to the wise . . . many states are ‘one party’ meaning that so long as one of the parties is aware the other does not need to be.
- Sat Oct 08, 2022 10:23 am
- Forum: Personal Finance (Not Investing)
- Topic: Does anyone still carry cash?
- Replies: 75
- Views: 4256
Re: Does anyone still carry cash?
Went to a concert in a community theater this week and the artist had a souvenir table. The line backed up because the widget that was supposed to read the credit card of the fellow in front of me froze. I plunked down good old cash and headed to the parking lot. Technology is wonderful only when it works.
- Mon Sep 26, 2022 5:46 am
- Forum: Personal Finance (Not Investing)
- Topic: Help! - Did I mess up I-Bonds (Gifts)
- Replies: 19
- Views: 1881
Re: Help! - Did I mess up I-Bonds (Gifts)
From the Treasury Direct website . . .
“Savings bonds purchased as gifts aren't included in your annual limit. Also, the purchase amount of electronic savings bonds you transfer, deliver as gifts, or de-link to another TreasuryDirect account holder is applied to the receiver's annual purchase limit in the year the transaction occurs, and not to your own limit.”
“Savings bonds purchased as gifts aren't included in your annual limit. Also, the purchase amount of electronic savings bonds you transfer, deliver as gifts, or de-link to another TreasuryDirect account holder is applied to the receiver's annual purchase limit in the year the transaction occurs, and not to your own limit.”
- Sat Sep 24, 2022 6:42 pm
- Forum: Personal Investments
- Topic: One Year Treasury Bill
- Replies: 22
- Views: 3866
Re: One Year Treasury Bill
- Tue Sep 13, 2022 12:26 pm
- Forum: Investing - Theory, News & General
- Topic: July 2022 CPI
- Replies: 15
- Views: 2143
Re: July 2022 CPI
Retirees, not workers.vested1 wrote: ↑Tue Sep 13, 2022 12:23 pmhttps://www.narfe.org/federal-benefits-institute/cola/Iorek wrote: ↑Tue Sep 13, 2022 9:31 amJust noting federal workers pay is not linked to CPIvested1 wrote: ↑Tue Sep 13, 2022 7:40 am August 2022 CPI-W for SS COLA and federal workers just announced at 8.6%.
https://www.moaa.org/content/take-actio ... %20268.421.
- Fri Sep 09, 2022 1:14 am
- Forum: Personal Investments
- Topic: I bonds worth it as emergency fund?
- Replies: 17
- Views: 2142
Re: I bonds worth it as emergency fund?
Just keep in mind that you cannot access the funds for one year.
- Mon Aug 29, 2022 6:01 am
- Forum: Personal Consumer Issues
- Topic: Favorite music from the 70s?
- Replies: 357
- Views: 32185
Re: Favorite music from the 70s?
+1runninginvestor wrote: ↑Sat Aug 27, 2022 9:47 am Gordon Lightfoot kicked it off pretty well in '70 with "If You Could Read My Mind". Also, "Sundown" ('74) & "The Wreck of the Edmund Fitzgerald" ('76) are usually in my oldie's playlists.
also, ‘Carefree Highway’ (74) & ‘Beautiful’ (72).
- Fri Aug 19, 2022 5:09 pm
- Forum: Personal Consumer Issues
- Topic: iPhone battery life
- Replies: 27
- Views: 2496
Re: iPhone battery life
Can’t speak to the newest models but if you are a DIYer most batteries come with the needed tool kit. iPhone 6s was $25.
- Thu Aug 11, 2022 6:15 pm
- Forum: Personal Consumer Issues
- Topic: Boat Ramp Construction
- Replies: 21
- Views: 1890
Re: Boat Ramp Construction
Shallow grooving to increase friction is desirable in late summer when algae/moss clings to the ramp or on a frosty morning. Ramps tend to stay wet so creating a surface with some friction especially benefits 2WD vehicles.
- Thu Aug 11, 2022 11:27 am
- Forum: Personal Investments
- Topic: Inherited IRA and RMDs
- Replies: 12
- Views: 1216
Re: Inherited IRA and RMDs
Unsure if this applies to OP but DW recently inherited an IRA in which the deceased (93) was taking RMDs but had not yet taken one for 2022. That obligation becomes ours.
- Sat Jul 09, 2022 3:13 am
- Forum: Personal Finance (Not Investing)
- Topic: Fico8 scores
- Replies: 30
- Views: 2613
Re: Fico8 scores
+1.yog wrote: ↑Fri Jul 08, 2022 11:13 pm Here's Credit Karma's description on what impacts Fico 8 scores:
https://www.creditkarma.com/advice/i/what-fico-score-8
Among other things, it appears the utilization factor on a given card's credit limit can have a short-term negative impact on the score if it is over 30%.
Purchased a new HVAC last month with a Chase card (for points) and it significantly reduced the credit limit. 800+ score dropped 100 points, from excellent rating to “fair”. Assuming that paying the balance in full this month will reverse the short term negative impact.
- Mon Jul 04, 2022 10:48 am
- Forum: Personal Consumer Issues
- Topic: What Do You Pay for an Oil Change?
- Replies: 217
- Views: 25808
Re: What Do You Pay for an Oil Change?
Have a fumoto on my truck also . . . makes DIY easy. My spouse, however, drove over one of those free standing parking curbs you see in large parking lots. No more fumoto valve. At least she made it home.Stupendous wrote: ↑Thu Jun 01, 2017 8:22 am I do it myself so whatever the cost of Mobil 1 is at Walmart and a good oil filter from wherever. I installed a fumoto valve on my truck and car so it's easy. Paid $85 for 10 qts of Mobil 1 and a Mobil 1 oil filter for my truck.
- Fri Apr 22, 2022 6:21 am
- Forum: Personal Finance (Not Investing)
- Topic: Is it financially bad to live entire life in first house purchased?
- Replies: 124
- Views: 14968
Re: Is it financially bad to live entire life in first house purchased?
Apathizer wrote,
[/quote]
. . . so if I make it to 80 I plan to commit suicide short after.
[/quote]
which perhaps should be offered as a footnote when offering investment opinions.
[/quote]
. . . so if I make it to 80 I plan to commit suicide short after.
[/quote]
which perhaps should be offered as a footnote when offering investment opinions.
- Fri Apr 08, 2022 11:23 am
- Forum: Personal Finance (Not Investing)
- Topic: Advice on a side swipe
- Replies: 33
- Views: 2693
Re: Suggestions on lawyer to send demand letter out of state
. . . and why won’t your insurance company get involved?
- Sat Mar 26, 2022 5:17 am
- Forum: Investing - Theory, News & General
- Topic: I Bonds Mega Thread (I Bond Heads Rejoice!)
- Replies: 6658
- Views: 1239708
Re: Another Tax Refund I-bond Purchase Question
I read the sentences separately. If a refund . . . you may request bonds up to $5K. Bonds may also be purchased directly in your TD account.
- Mon Mar 07, 2022 8:11 pm
- Forum: Personal Consumer Issues
- Topic: Skydiving, have you ever been?
- Replies: 83
- Views: 5450
Re: Skydiving, have you ever been?
Did not anticipate how loud the wind would be. Two years out from hip replacements and my tandem jumper executed a perfect touchdown. Go for it.
- Thu Mar 03, 2022 7:37 pm
- Forum: Personal Finance (Not Investing)
- Topic: Liability question about re-roofing my house
- Replies: 21
- Views: 2062
- Mon Feb 21, 2022 6:14 pm
- Forum: Personal Finance (Not Investing)
- Topic: What it means for married couple to 'share' finances
- Replies: 164
- Views: 14504
Re: What it means for married couple to 'share' finances
What is mine is hers and what is hers is hers.
- Wed Feb 09, 2022 12:51 pm
- Forum: Personal Consumer Issues
- Topic: Harness vs stair ramp to help old dog on outside stairs
- Replies: 15
- Views: 896
Re: Harness vs stair ramp to help old dog on outside stairs
A life vest which has a handle is an excellent way to take some weight off the dog’s hips. I use one to assist my fishing buddy, a 15 year old border collie, up steep boat dock ramps. In the past I built a carpeted ramp with protective side rails to enable an aging lab to use the back deck. Rimadyl is an excellent med for arthritic dogs.
- Tue Jan 25, 2022 8:45 pm
- Forum: Personal Finance (Not Investing)
- Topic: Boat House Encroachment. What recourse?
- Replies: 29
- Views: 3595
Re: Boat House Encroachment. What recourse?
Which is why the OP will likely find that he does not own the public water. As an avid angler I would not hesitate to ease my boat up to his dock and skip a lure underneath. Just sayin’.
- Tue Jan 25, 2022 7:38 pm
- Forum: Personal Finance (Not Investing)
- Topic: Boat House Encroachment. What recourse?
- Replies: 29
- Views: 3595
Re: Boat House Encroachment. What recourse?
How far out into the public lake do you have water rights consistent with your frontage?
- Mon Jan 03, 2022 5:28 am
- Forum: Personal Consumer Issues
- Topic: bucket list ideas?
- Replies: 77
- Views: 7822
Re: bucket list ideas?
Bicycle with your dog in a pull behind cart along the Ohio Erie Canal Towpath.
- Sat Jan 01, 2022 4:45 am
- Forum: Personal Consumer Issues
- Topic: Car pulling to left after alignment
- Replies: 27
- Views: 2364
Re: Car pulling to left after alignment
apparently, the ‘tired’ psychic never saw it coming.
- Wed Dec 22, 2021 5:38 pm
- Forum: Personal Consumer Issues
- Topic: Three-season Sunroom Cost
- Replies: 9
- Views: 2754
Re: Three-season Sunroom Cost
Re #2 . . . FWIW a few years ago I included Champion while obtaining quotes for a four season sunroom. When informed that their quote was much higher than competitors Champion dropped their quote by $9K.
- Thu Dec 09, 2021 2:34 pm
- Forum: Personal Investments
- Topic: Rollover IRA vs Traditional IRA
- Replies: 11
- Views: 1248
Re: Rollover IRA vs Traditional IRA
Rollover is a titling thing to a regular IRA. At one time, many 401K's required roll-in to come from a proven 401K source, hence the rollover in the title. Today, most only want affidavit (self) certification that the roll-in does not contain any after-tax $. In some states, bankruptcy laws consider a rollover to be from protected retirement monies and not subject to bankruptcy. For your use, its an IRA, plain and simple. Go for the re-use. It could really depend upon whether OP's state is one where there are extra protections for "Roll-over IRAs" vs. other IRAs. I'd double check that before risking losing some possibly important future protections. "One never knows..." RM Will probably file this under ‘Now why did I do...
- Mon Nov 29, 2021 6:35 am
- Forum: Personal Finance (Not Investing)
- Topic: QCD & letter of acknowledgment from charity
- Replies: 8
- Views: 943
- Sun Nov 14, 2021 9:21 am
- Forum: Investing - Theory, News & General
- Topic: How much SAFE money do you have on hand, and where do you keep it?
- Replies: 35
- Views: 3250
Re: How much SAFE money do you have on hand, and where do you keep it?
In the event that you are casing everyone there is a mason jar with $63 in it buried next the forsythia in the back yard. You may want to bring a pork chop for the doberman.