Search found 306 matches

by mpnret
Tue May 26, 2020 7:12 am
Forum: Personal Consumer Issues
Topic: New Vehicle: Forester or Rav4 for boglehead couple
Replies: 58
Views: 2513

Re: New Vehicle: Forester or Rav4 for boglehead couple

Should be able to disable that permanently. You can. There is a simple plug in device for the Forester that eliminates stop/start. There are also driving techniques to prevent it. I had a 2020 Forester loaner while my 2016 was in for a recall. I didn't find stop/start to to be an issue but it's nic...
by mpnret
Tue May 19, 2020 3:13 pm
Forum: Personal Consumer Issues
Topic: Lowes vs Home Depot
Replies: 97
Views: 14227

Re: Lowes vs Home Depot

Home Depot for the 10% veteran discount. I have 'Veteran' on my state drivers license, which i rarely get out before i get thanked for my service. Lowes : ( asks for a veteran ID card ( which i don't have )... They will often state they will honor the 10% discount 'this time'. never understood why ...
by mpnret
Tue May 19, 2020 9:20 am
Forum: Personal Consumer Issues
Topic: Lowes vs Home Depot
Replies: 97
Views: 14227

Re: Lowes vs Home Depot

I've been getting 10% off veterans discount for years at home depot. I shopped at about 5 different HD's.
by mpnret
Thu Apr 09, 2020 12:54 pm
Forum: Personal Consumer Issues
Topic: black stain on concrete: mold or hazard?
Replies: 16
Views: 1100

Re: black stain on concrete: mold or hazard?

If it's aphids as mentioned in previous posts see this review of BioAdvanced: "For many years I dreaded spring and summer as my massive pecan trees were over run by aphids and the aphid poo (some call it tree sap) was everywhere and would turn things black. My trees are approximately 3 stories tall ...
by mpnret
Wed Apr 01, 2020 12:20 pm
Forum: Personal Consumer Issues
Topic: Small drip from copper pipe
Replies: 46
Views: 2105

Re: Small drip from copper pipe

If you are looking for a quick and dirty temporary solution to stop the drip try a stainless steel hose clamp. Use a quality one with a hex head so you can tighten it with a socket. Put it on the fitting and tighten. I know, it doesn't sound like a clamp made for a flexible hose is going to have muc...
by mpnret
Wed Mar 25, 2020 10:02 am
Forum: Personal Consumer Issues
Topic: Traffic Ticket - Offer to reduce points for Increase Fine
Replies: 25
Views: 1714

Re: Traffic Ticket - Offer to reduce points for Increase Fine

I found out first hand in NJ that paying the higher amount is a waste of money. I paid the $250 surcharge to change the ticket to a no points violation and Geico still raised my rates. I called Geico and was told that a moving violation will increase rates, points or not. Obviously your experience ...
by mpnret
Sun Mar 22, 2020 12:37 pm
Forum: Personal Consumer Issues
Topic: Pay cleaning lady during coronavirus pause?
Replies: 66
Views: 5105

Re: Pay cleaning lady during coronavirus pause?

Definitely. She has been with you for 10 years and this could be her only income. When it rains on Friday, my gardener does not come to mow my lawn. I still pay him. Every once in awhile I give the gardener a tip for his excellent work. Doesn't he just come the next dry day? No he doesn’t come the ...
by mpnret
Sat Mar 21, 2020 5:34 pm
Forum: Personal Consumer Issues
Topic: Pay cleaning lady during coronavirus pause?
Replies: 66
Views: 5105

Re: Pay cleaning lady during coronavirus pause?

sil2017 wrote:
Sat Mar 21, 2020 4:29 pm
Definitely.
She has been with you for 10 years and this could be her only income.
When it rains on Friday, my gardener does not come to mow my lawn. I still pay him.
Every once in awhile I give the gardener a tip for his excellent work.
Doesn't he just come the next dry day?
by mpnret
Sat Mar 21, 2020 7:58 am
Forum: Personal Consumer Issues
Topic: What Happens To Your Battery When Your Car Is Parked For Weeks?
Replies: 90
Views: 4727

Re: What Happens To Your Battery When Your Car Is Parked For Weeks?

Check the Subaru's owner's manual, which typically says: "You may hear a noise from under the vehicle approximately 5 to 10 hours after the ignition switch is turned to the “LOCK”/“OFF” position. However, this does not indicate a malfunction. This noise is caused by the operation of the fuel evapor...
by mpnret
Fri Mar 20, 2020 5:34 pm
Forum: Personal Consumer Issues
Topic: What Happens To Your Battery When Your Car Is Parked For Weeks?
Replies: 90
Views: 4727

Re: What Happens To Your Battery When Your Car Is Parked For Weeks?

Newer Subaru's randomly run the fuel pump when they are shut off. I can hear it humming every so often when my wife's Forester is sitting in the garage. Still the car can sit for weeks without issue. If it was an issue I bet a 15 minute idle would charge things just fine. I also have a Battery Tend...
by mpnret
Fri Mar 20, 2020 4:15 pm
Forum: Personal Consumer Issues
Topic: What Happens To Your Battery When Your Car Is Parked For Weeks?
Replies: 90
Views: 4727

Re: What Happens To Your Battery When Your Car Is Parked For Weeks?

Newer Subaru's randomly run the fuel pump when they are shut off. I can hear it humming every so often when my wife's Forester is sitting in the garage. Still the car can sit for weeks without issue. If it was an issue I bet a 15 minute idle would charge things just fine. I also have a Battery Tend...
by mpnret
Fri Mar 20, 2020 1:35 pm
Forum: Personal Consumer Issues
Topic: What Happens To Your Battery When Your Car Is Parked For Weeks?
Replies: 90
Views: 4727

Re: What Happens To Your Battery When Your Car Is Parked For Weeks?

Newer Subaru's randomly run the fuel pump when they are shut off. I can hear it humming every so often when my wife's Forester is sitting in the garage. Still the car can sit for weeks without issue. If it was an issue I bet a 15 minute idle would charge things just fine. I also have a Battery Tende...
by mpnret
Thu Mar 19, 2020 6:04 pm
Forum: Personal Consumer Issues
Topic: Pay cleaning lady during coronavirus pause?
Replies: 66
Views: 5105

Pay cleaning lady during coronavirus pause?

We have the same cleaning lady for over 10 years now which we are fairly happy with. She also brings 2 helpers which change all the time. We decided not to have her come during the coronavirus period. I called her and told her not to come but I did tell her to stop by and her regular pay was under t...
by mpnret
Mon Mar 16, 2020 5:14 am
Forum: Personal Consumer Issues
Topic: Water detection system
Replies: 15
Views: 930

Re: Water detection system

Thanks to all who replied. We are going to try to add a manual shutoff valve in a more accessible place. And then perhaps add an automatic detection system. We don't live in an area with harsh winters. J Flume is easy to install, reads your water meter remotely to detect leaks. https://flumetech.co...
by mpnret
Mon Mar 16, 2020 5:09 am
Forum: Personal Consumer Issues
Topic: Inkjet Printers: Refilled and Third Party Cartridges
Replies: 22
Views: 896

Re: Inkjet Printers: Refilled and Third Party Cartridges

Hp Office Jet Pro. Costco has been refilling my ink cartridges for years now. Never an issue.
by mpnret
Sun Mar 15, 2020 7:07 am
Forum: Personal Finance (Not Investing)
Topic: Google sheets vs Excel; end of life Office 2010
Replies: 37
Views: 2300

Re: Google sheets vs Excel; end of life Office 2010

I using Microsoft Office 2007 and Quicken 2003 on Windows 10 machine. No issues.
by mpnret
Tue Mar 10, 2020 8:53 am
Forum: Personal Consumer Issues
Topic: Rubberstone garage floor?
Replies: 12
Views: 994

Re: Rubberstone garage floor?

My garage floor was in the same condition as yours 13 years ago. I had masons look at it and they were pretty much all in agreement, bust it up and haul it away and pour a completely new floor or clean up all the loose stuff on the existing floor then use a top and bond which will eventually fail bu...
by mpnret
Mon Mar 09, 2020 7:02 pm
Forum: Personal Consumer Issues
Topic: Dealer wants $350+tax for repair. Doesn't seem right... I believe it is a warranty issue
Replies: 40
Views: 2129

Re: Dealer wants $350+tax for repair. Doesn't seem right... I believe it is a warranty issue

There you go. Start small before making a federal case out of something. :happy :) Great advice As long as you're starting small my suggestion would be to first just disconnect the battery to reset the code and leave it at that. You may get lucky. If the code comes back move on to the pcv valve. Ta...
by mpnret
Tue Mar 03, 2020 6:39 am
Forum: Personal Consumer Issues
Topic: PSA: Replace the anode rod on your water heater every few years to prolong its life.
Replies: 83
Views: 6878

Re: PSA: Replace the anode rod on your water heater every few years to prolong its life.

Mine just hit 20 years. I regularly check the anode rod with a multi meter. Manufacturer says anything between .3 ma and 30 ma is good. I'm at 8 ma. How are you measuring this current? Do you unscrew (but not remove) the rod from the tank and insert an ammeter between the rod and tank? Mine is made...
by mpnret
Mon Mar 02, 2020 6:27 pm
Forum: Personal Consumer Issues
Topic: PSA: Replace the anode rod on your water heater every few years to prolong its life.
Replies: 83
Views: 6878

Re: PSA: Replace the anode rod on your water heater every few years to prolong its life.

Mine just hit 20 years. I regularly check the anode rod with a multi meter. Manufacturer says anything between .3 ma and 30 ma is good. I'm at 8 ma.
by mpnret
Sun Mar 01, 2020 11:18 am
Forum: Personal Consumer Issues
Topic: Boiler cracked - heating alternatives?
Replies: 22
Views: 1082

Re: Boiler cracked - heating alternatives?

If natural gas isn't an option for you, your best option is a new efficient oil fired boiler. Some of the other options like electric resistance heat make me cringe even if your .10KWH price is correct. It does sound very low. Are you sure it's not just the generation charge then you have to add in ...
by mpnret
Sun Mar 01, 2020 10:47 am
Forum: Personal Consumer Issues
Topic: Which Treadmill Should I Buy? UPDATE: Thanks Everyone!!
Replies: 22
Views: 1557

Re: Which Treadmill Should I Buy? What do you have? Which one's break down? Thoughts? Help?

I'll second the Sole F80. We had ours for many years with use by multiple family members. Both running and walking. One thing to be aware of, especially in a dry climate, is possible static build up. Even when just walking on ours we can get a small zap when touching the control panel. I'm aware of ...
by mpnret
Tue Feb 25, 2020 6:13 pm
Forum: Personal Consumer Issues
Topic: Relocating back east / Fair Lawn, NJ / Are we crazy?
Replies: 104
Views: 6476

Re: Relocating back east / Fair Lawn, NJ / Are we crazy?

Yes. Our millenial son and DIL live in a manageable small town in Morris county. They and their friends love NYC. Very easy access for them. A few weeks ago they went in on a Saturday to see a sporting event then drove home. Then drove back in to see a Broadway show that same eve. I thought that wa...
by mpnret
Mon Feb 24, 2020 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Friendly States
Replies: 421
Views: 30724

Re: Retirement Friendly States

Delaware - 1. very low property taxes 2. No sales tax 3. Low income tax rates with full Social Security exemption plus $ 12,000 exemption (per taxpayer meaning $ 24,000 for married couples) for pension income (with pension income defined as pension, distributions from IRA's/401k/403b/457, interest,...
by mpnret
Wed Feb 12, 2020 8:16 am
Forum: Personal Investments
Topic: Vanguard vs Schwab - customer service
Replies: 34
Views: 2659

Re: Vanguard vs Schwab - customer service

I looked at Schwab about 2 years ago before consolidating everything at Vanguard. At the time I didn't like the hidden fees at Schwab mainly cash drag and ER's. I also didn't feel comfortable with what high cost funds they would be trying to put my wife in if I was no longer around.
by mpnret
Thu Feb 06, 2020 10:58 am
Forum: Personal Investments
Topic: Customer Service with Vanguard
Replies: 330
Views: 25804

Re: Customer Service with Vanguard

Also looks like the first offer is non-retirement accounts only. The second offer includes retirement accounts.
by mpnret
Thu Jan 30, 2020 10:08 am
Forum: Personal Consumer Issues
Topic: Navigating Comcast Options
Replies: 19
Views: 726

Re: Navigating Comcast Options

I just renegotiated my Xfinity bill a few weeks ago. It's $156.78 total (includes all taxes and fees). But I feel I get a lot for that. I have 4 TV's. 2 have a TiVo boxes. Both have cable cards in them provided by Xfinity. One TiVo box has 6 tuners in it. The other has 4. So that is 10 tuners record...
by mpnret
Tue Jan 28, 2020 10:58 am
Forum: Personal Investments
Topic: Vanguard free RMD service
Replies: 15
Views: 2246

Re: Vanguard free RMD service

Are you sure you're not logged onto your account trying to transact on your wife's account which you only have viewing rights for. If so try logging on as your wife.
by mpnret
Sat Jan 25, 2020 12:47 pm
Forum: Personal Consumer Issues
Topic: Subaru Outback engine stop/start
Replies: 94
Views: 5797

Re: Subaru Outback engine stop/start

Mazda has one of the better stop/start systems that is faster and doesn't use the starter. From their website: "While conventional idling stop systems rely on a starter motor to restart the engine, Mazda's i-stop restarts the engine through combustion; fuel is directly injected into a cylinder while...
by mpnret
Sat Jan 25, 2020 8:18 am
Forum: Personal Consumer Issues
Topic: Bed Pillows
Replies: 35
Views: 5949

Re: Bed Pillows

WonderSleep pillows from Amazon. Had them about a month now. Great pillows. First thing we did was check for odor the minute we got them based on some previous posts. Not even a hint.
by mpnret
Wed Jan 22, 2020 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Which Credit Unions offer the best interest rates on deposits as of Jan 2020?
Replies: 30
Views: 2880

Re: Which Credit Unions offer the best interest rates on deposits as of Jan 2020?

How does the store make $ off a 1 cent charge? You are getting charged a transaction fee or you are getting billed for 1 cent? I spend $0.20 each month. That's $2.40 for the merchant every year for selling me absolutely nothing. Now it's only a question of what kind of debit card fees the merchant ...
by mpnret
Sat Jan 18, 2020 3:46 pm
Forum: Personal Consumer Issues
Topic: Some possible luxury SUV choices to buy: Opinions?
Replies: 188
Views: 13902

Re: Some possible luxury SUV choices to buy: Opinions?

I got rid of my X3 and choose a base Macan over the RDX and Audi. Car is just great, ride is exceptional, no moon/sun roof and killer gas mileage. That's what I would buy, and did buy. I guess that depends on how you define "killer" gas mileage. Fueleconomy.gov says 21 mpg combined for the 4 cyl on...
by mpnret
Sat Jan 18, 2020 3:32 pm
Forum: Personal Consumer Issues
Topic: Amazon free returns, any experiences?
Replies: 74
Views: 5512

Re: Amazon free returns, any experiences?

An Amazon return is not actually a return. I did a few Amazon returns at UPS. Very easy and you get refund in your Amazon account instantly. I got into a conversation with the UPS employee about how they package being you don't need a box to return something. Turns out everything goes in one big pa...
by mpnret
Tue Jan 14, 2020 10:44 am
Forum: Personal Consumer Issues
Topic: Windows 7 end of support - Jan 14, 2020
Replies: 107
Views: 8862

Re: Windows 7 end of support - Jan 14, 2020

Hard to believe the free upgrade is still available. I just upgraded my 10 year old Sony VAIO All in One yesterday without a hitch. I upgraded memory and also to a SSD a few years ago so it wasn't completly 10 years old. Only small issue was a screen driver wasn't available so I had to use a Microso...
by mpnret
Sat Jan 11, 2020 11:05 am
Forum: Personal Consumer Issues
Topic: phone scam
Replies: 30
Views: 2790

Re: phone scam

I just got a call on my verizon cell phone. It said it was from voicemail. A recording said there was a security issue and the phone had been locked. It said press 2 to talk to someone about this. After a hold someone with a foreign accent answered. He sounded very official, but the accent was the ...
by mpnret
Thu Jan 09, 2020 3:32 pm
Forum: Personal Consumer Issues
Topic: At what point do you donate/trash/sell/gift your junk?
Replies: 75
Views: 4873

Re: At what point do you donate/trash/sell/gift your junk?

I use freecycle.org and Craigslist for free which is in the for sale section. No driving anywhere. List it and someone comes and picks it up.
by mpnret
Thu Jan 09, 2020 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Which Credit Unions offer the best interest rates on deposits as of Jan 2020?
Replies: 30
Views: 2880

Re: Which Credit Unions offer the best interest rates on deposits as of Jan 2020?

You may want to ask someone else a little higher up in the store if they are ok with the cashier ringing up false purchases for you. You should already know the answer to that. Just because the rest of us aren’t jumping through hoops don’t assume we are getting a low interest rate.
by mpnret
Thu Jan 09, 2020 7:22 am
Forum: Personal Finance (Not Investing)
Topic: Which Credit Unions offer the best interest rates on deposits as of Jan 2020?
Replies: 30
Views: 2880

Re: Which Credit Unions offer the best interest rates on deposits as of Jan 2020?

What do you buy for $0.01 at the grocery store? I ask one of the highschool kids working the evening shift at my current grocery store to ring my purchase up as "edible goods". I try to get them done on weeknights after rush hour when fewer people shop. Another grocery store I shopped at would char...
by mpnret
Tue Jan 07, 2020 10:33 am
Forum: Personal Consumer Issues
Topic: Jumper cables
Replies: 83
Views: 5447

Re: Jumper cables

I noticed some posters stating the jump starter wouldn't start a dead battery. A good number of these jump starters will not work on a completly dead battery. The built in protection needs to see some voltage to determine it is hooked up properly. Some of the jump starters have a button to bypass th...
by mpnret
Sun Jan 05, 2020 5:23 pm
Forum: Personal Consumer Issues
Topic: Help me locate the wired doorbell chime
Replies: 32
Views: 2201

Re: Help me locate the wired doorbell chime

What does this mean in your original post? sounds like you may have a bell that works but can't find a chime????

"(there bell does work, just the come doesn't ring)."
by mpnret
Sun Jan 05, 2020 11:47 am
Forum: Investing - Theory, News & General
Topic: VTSAX & VTIAX Dividends
Replies: 19
Views: 2321

Re: VTSAX & VTIAX Dividends and Interest payouts

livesoft wrote:
Sun Jan 05, 2020 11:27 am
To test your knowledge: Are capital gains ordinary income?
Short term or long term?
by mpnret
Sun Jan 05, 2020 11:31 am
Forum: Personal Consumer Issues
Topic: Meds from Canadian Mail-Order Pharmacy. Legality? Ethics? Safety? Efficacy?
Replies: 33
Views: 3814

Re: Meds from Canadian Mail-Order Pharmacy. Legality? Ethics? Safety? Efficacy?

In before the lock, it is illegal to do this. "Mail-ordering drugs from a country outside the U.S., or buying them abroad and bringing them home, is and will remain illegal for consumers, according to emails from the Food and Drug Administration. (The only exception is for certain drugs, such as so...
by mpnret
Sun Jan 05, 2020 11:01 am
Forum: Personal Consumer Issues
Topic: Help me locate the wired doorbell chime
Replies: 32
Views: 2201

Re: Help me locate the wired doorbell chime

That electrical box looks to be low voltage - the square conduit running to it does not appear to be large enough to house wires carrying 120 volts, nor is the box deep enough for an outlet. It is also not original construction since it is surface mounted. My guess would be phone, Ethernet or cable...
by mpnret
Sun Jan 05, 2020 8:39 am
Forum: Personal Consumer Issues
Topic: Meds from Canadian Mail-Order Pharmacy. Legality? Ethics? Safety? Efficacy?
Replies: 33
Views: 3814

Re: Meds from Canadian Mail-Order Pharmacy. Legality? Ethics? Safety? Efficacy?

Have been prescribed a med that is not covered by my Medicare insurer's formulary. This drug is very expensive. I will have to pay the entire cost out-of-pocket. Am awaiting an out-of-formulary exception, but the insurer's rep was not very encouraging. I am assuming that if I were to order this med...
by mpnret
Thu Jan 02, 2020 6:47 pm
Forum: Personal Consumer Issues
Topic: which Subaru is best for a young driver?
Replies: 24
Views: 2681

Re: which Subaru is best for a young driver?

Been driving Subarus since 2010. That's a new one on me. I also spend quite a bit on the Subaru forums and never heard it mentioned. FWIW mine only get torqued once. I never do the second recommended one.
by mpnret
Wed Jan 01, 2020 2:13 pm
Forum: Personal Investments
Topic: Vanguard RMD Calculator -- Where?
Replies: 16
Views: 1310

Re: Vanguard RMD Calculator -- Where?

With Secure Act the numbers will look different no? For non-inherited IRAs etc., no, not for this year. Next year (2021) the divisors will probably change, but that's separate from the SECURE Act. The SECURE Act affects only inherited IRAs etc., and only from people who die starting today. Acutally...
by mpnret
Sun Dec 29, 2019 11:27 am
Forum: Investing - Theory, News & General
Topic: Will RMD lower your wealth
Replies: 37
Views: 3449

Re: Will RMD lower your wealth

My larger task is figuring out how to dampen the tax burden when I cash in I-Bonds with $100,000 or more in untaxed interest. All my I-Bonds are finished in 2030 and 2031. Interesting problem. I suppose you could start cashing some out now. :twisted: Nope! I am too greedy! But, in the remaing 10-11...
by mpnret
Sun Dec 29, 2019 11:05 am
Forum: Personal Consumer Issues
Topic: Question about computers with two hard drives (SSD and regular hard drive)
Replies: 36
Views: 2566

Re: Question about computers with two hard drives (SSD and regular hard drive)

My Sony all in one desktop is almost 10 years old now and was getting slow. Otherwise I was fairly pleased with it. I recently installed a Samsung SSD 1TB and it made a world of difference. SSD comes with a utility to move everything over from you old drive in just a few steps.
by mpnret
Sun Dec 29, 2019 10:45 am
Forum: Personal Consumer Issues
Topic: Subaru Outback CVT Transmission
Replies: 30
Views: 2066

Re: Subaru Outback CVT Transmission

My wife's cars: 2010 Outback traded for 2013 Outback traded for 2016 Forester. Me: 2010 Legacy. Son: 2010 Nissan Rogue. All CVTs with no issues. In fact I prefer CVTs. However I will be considering a CX-5 in the near future when I trade in my Legacy. A little less room inside than the others so mayb...