Search found 461 matches

by Smoke
Mon Nov 04, 2019 8:01 am
Forum: Personal Finance (Not Investing)
Topic: Pension Question
Replies: 19
Views: 1758

Re: Pension Question

Looks like you should take the deal to me as well.

Smart money decision.
Retire at 50 :beer it's when I retired 15yrs ago.
Stop being a cop (if thats possible lol) My father was one so I know.
by Smoke
Sun Nov 03, 2019 7:30 am
Forum: Personal Finance (Not Investing)
Topic: Freezing Credit? Questions 2019
Replies: 19
Views: 1617

Re: Freezing Credit? Questions 2019

I froze my wife's and my credit 15 yrs ago, never had the need to unfreeze it once.
Still got the pins locked away just in case though.
by Smoke
Wed Oct 30, 2019 12:07 pm
Forum: Personal Consumer Issues
Topic: Low water pressure/flow in house
Replies: 52
Views: 2720

Re: Low water pressure/flow in house

Interested in what the flow rates are (GPM) in various locations: Near entry into house Various faucets tested alone 2 showers at a time 3 showers at a time Also pressure readings for 1 and for 2 faucets being open. Do pressure valves at entry to house govern flow rate in addition to restricting pr...
by Smoke
Wed Oct 30, 2019 11:50 am
Forum: Personal Consumer Issues
Topic: Low water pressure/flow in house
Replies: 52
Views: 2720

Re: Low water pressure/flow in house

Just as an observation, I had my "main" from the street replaced about 4 yrs ago with 3/4, I have 100 to 110 lbs pressure at the street so I have a pressure reducer bringing it down to 58 lbs. I just now connected a pressure gauge to a 1/2" bib and it reads 58 lbs with no water running, I turned on...
by Smoke
Wed Oct 30, 2019 10:32 am
Forum: Personal Consumer Issues
Topic: Low water pressure/flow in house
Replies: 52
Views: 2720

Re: Low water pressure/flow in house

Just as an observation, I had my "main" from the street replaced about 4 yrs ago with 3/4, I have 100 to 110 lbs pressure at the street so I have a pressure reducer bringing it down to 58 lbs. I just now connected a pressure gauge to a 1/2" bib and it reads 58 lbs with no water running, I turned on ...
by Smoke
Wed Oct 30, 2019 8:06 am
Forum: Personal Consumer Issues
Topic: Low water pressure/flow in house
Replies: 52
Views: 2720

Re: Low water pressure/flow in house

Thanks everyone. To confirm, we have tested the pressure right at the water meter. It drops from 60psi to 20psi when all the showers are on. However it immediately goes back to 60psi when the showers are shut off. So does this sounds like a problem with the city water pressure rather than the servi...
by Smoke
Tue Oct 29, 2019 1:46 pm
Forum: Personal Consumer Issues
Topic: Low water pressure/flow in house
Replies: 52
Views: 2720

Re: Low water pressure/flow in house

RickBoglehead wrote:
Tue Oct 29, 2019 1:29 pm
Running three showers at the same time is not going to work almost anywhere.
+1
by Smoke
Tue Oct 29, 2019 1:35 pm
Forum: Personal Consumer Issues
Topic: Low water pressure/flow in house
Replies: 52
Views: 2720

Re: Low water pressure/flow in house

Are you sure that all upstairs showers aren't being supplied by one 1/2" pipe or something? I've got extremely high water pressure (maybe too high and I need to look into it) but as soon as you try to do two things at once in my house the water flow rate drops because my whole house is pretty much ...
by Smoke
Mon Oct 28, 2019 5:21 pm
Forum: Personal Consumer Issues
Topic: New Computer with or without SSD?
Replies: 78
Views: 4299

Re: New Computer with or without SSD?

froman118 wrote:
Mon Oct 28, 2019 4:15 pm
Get the SSD. If you need more than 1 TB of storage then just add on a spinning drive for that bulk data.
+1
by Smoke
Sun Oct 27, 2019 7:44 pm
Forum: Personal Investments
Topic: Do You Pay For Financial Advice?
Replies: 76
Views: 4311

Re: Do You Pay For Financial Advice?

No, I do it all myself, with free suggestions and info on this site :P
by Smoke
Sun Oct 27, 2019 4:47 pm
Forum: Personal Investments
Topic: I’m done with index funds
Replies: 201
Views: 20479

Re: I’m done with index funds

Best of luck :sharebeer

I am glad I don't have that kind of wealth to cause me this kind of time consumption/frustration/worry.
Seems the more you have the more one worries.
Makes me feel better being one of the little people.
by Smoke
Sun Oct 27, 2019 4:33 pm
Forum: Personal Consumer Issues
Topic: HVAC check ups?
Replies: 46
Views: 2974

Re: HVAC check ups?

" It only takes a few seconds on Ebay or various online supply houses to see what refrigerant, even R22 for now, is going for. R22 is around $10-20/lb and 410a is maybe $5/lb. " That's just peachy if you know how to properly evacuate the system and add the correct amount of refrigerant. I don't kno...
by Smoke
Sun Oct 27, 2019 10:21 am
Forum: Personal Consumer Issues
Topic: HVAC check ups?
Replies: 46
Views: 2974

Re: HVAC check ups?

"I have spent almost $600 in 8 yrs for what I perceive is nothing." That's the way I feel about what I've spent on car insurance every year since 1965. But I keep paying it. Except if you had an accident or injury the insurance would have covered the cost. Having a tech check your system is not ins...
by Smoke
Sun Oct 27, 2019 9:35 am
Forum: Personal Consumer Issues
Topic: HVAC check ups?
Replies: 46
Views: 2974

Re: HVAC check ups?

My experience ... others may vary. Heat pump units original 21 yrs old (package unit) Amana Replaced by, split unit Rheem, replaced after 11 yrs, only because I installed geothermal 30% tax write off. First two units, a/c tech local in business for himself told me he could charge me to come every ye...
by Smoke
Sun Oct 27, 2019 8:03 am
Forum: Personal Consumer Issues
Topic: idiot networking [Need more ethernet ports, replace cable modem?]
Replies: 38
Views: 3293

Re: idiot networking

Since the OP doesn't know basic networking knowledge, I would recommend she consider buying a current modem from Cox, with their support, and then a simple router with multiple Ethernet ports. Given the Fail the last time this was tried, and Cox's new policy of not being able to return to the worki...
by Smoke
Sat Oct 26, 2019 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Who does your tax returns?
Replies: 103
Views: 5170

Re: Who does your tax returns?

Do them myself, via free program thru the IRS
by Smoke
Sat Oct 26, 2019 9:08 am
Forum: Personal Consumer Issues
Topic: idiot networking [Need more ethernet ports, replace cable modem?]
Replies: 38
Views: 3293

Re: idiot networking

I am not an IT person. So my answer is based on practical experience setting these things up for a half a dozen relatives. I think there is a misunderstanding by OP who stated limited knowledge. Any standalone cable modem I have ever worked with always only has one Ethernet connection. A router is ...
by Smoke
Sat Oct 26, 2019 8:24 am
Forum: Personal Consumer Issues
Topic: HVAC check ups?
Replies: 46
Views: 2974

Re: HVAC check ups?

Depends on your system, some are more complex than others. IF... you have a good tech doing the service then it's worthwhile especially if you know nothing about doing any checks maintenance yourself. Problem arises that most (in my experience) just show up tinker a bit and charge you with actually ...
by Smoke
Fri Oct 25, 2019 4:32 pm
Forum: Personal Consumer Issues
Topic: New brakes
Replies: 9
Views: 1065

Re: New brakes

I just had new brakes (pads and rotors) installed (front and rear). In the past, whenever I've gotten new brakes, I believe they have immediately felt very stiff (i.e. a little pressure really stops the car). Today, however, when picking up the car, I made it about 1/4 mile from the dealer and actu...
by Smoke
Mon Oct 21, 2019 5:09 pm
Forum: Personal Consumer Issues
Topic: Old bourbon whisky
Replies: 26
Views: 4095

Re: Old bourbon whisky

DesertDiva wrote:
Mon Oct 21, 2019 1:17 pm
If I had excess bourbon, I'd make BBQ sauce out of it. :)
It's all about the sauce :sharebeer
by Smoke
Mon Oct 21, 2019 5:02 pm
Forum: Personal Investments
Topic: High income earner waiting for a bear market to start investing
Replies: 119
Views: 12087

Re: High income earner waiting for a bear market to start investing

My questions is this: What's the point of entering the market and investing now when I haven't even invested anything yet and the market seems to be in a bubble? Low income earner here... "Age: 40 but I plan to retire around age 75 or 80" Don't let your short term thinking influence your long term ...
by Smoke
Fri Oct 18, 2019 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Piers Needed for Home Foundation Support
Replies: 5
Views: 642

Re: Piers Needed for Home Foundation Support

As far as piers go, a lot depends on your soil/rock beneath your footings. If you have a solid layer of rock slab then push piers should work fine. They use the weight of your section of house to "push" the pier deeper and deeper till it hits the rock slab . Depending where you are in the country it...
by Smoke
Thu Oct 17, 2019 11:08 am
Forum: Personal Consumer Issues
Topic: Moving my home landline phone number to MagicJack - good idea?
Replies: 52
Views: 3867

Re: Moving my home landline phone number to MagicJack - good idea?

I have had 3 different over the internet phone systems throughout the years listed below. Magic jack.... terrible Nettalk .... good until the latest version came out about a yr ago, then terrible. Google Voice via Obihai device ... current system 1.5 yrs, flawless, and free after purchase of Obihai ...
by Smoke
Thu Oct 17, 2019 7:25 am
Forum: Personal Consumer Issues
Topic: Toyota Extended Warranty
Replies: 13
Views: 1061

Re: Toyota Extended Warranty

I purchased an 8 year/120K extended warranty for my 2014 Toyota Highlander. It's the Platinum level one from Toyota. It was $1,495 and I aggressively shopped different dealers to get that price. I'm not usually an extended warranty person but wanted to mitigate the risk of the first model year of a...
by Smoke
Mon Oct 14, 2019 10:00 am
Forum: Personal Consumer Issues
Topic: I can't find the Amazon help page, that lets me call them.
Replies: 17
Views: 913

Re: I can't find the Amazon help page, that lets me call them.

Under no circumstances should one EVER use google to lookup the Amazon phone number. It's almost guaranteed that the results will include multiple scam numbers that will handle your Amazon "support issue" by getting the unsuspecting to download remote control software onto their machine, buy gift c...
by Smoke
Sun Oct 13, 2019 2:01 pm
Forum: Personal Consumer Issues
Topic: Old bourbon whisky
Replies: 26
Views: 4095

Re: Old bourbon whisky

A brand name would help :happy
by Smoke
Sun Oct 13, 2019 1:50 pm
Forum: Personal Consumer Issues
Topic: Portable Music for Exercise
Replies: 13
Views: 1098

Re: Portable Music for Exercise

Bluetooth hearing aids with a smart phone... for those of us who have the need :)
by Smoke
Fri Oct 11, 2019 6:12 pm
Forum: Personal Consumer Issues
Topic: Replace water heater just because it's old?
Replies: 73
Views: 5935

Re: Replace water heater just because it's old?

YES , at aprox $400 for an electric 50 gal ( I install myself) I replace them aprox 10 to 11 yrs. $40 per yr to me is good insurance from loss of hot water at the most inopportune time, floods, mess etc etc. And I replace it at my schedule, not when it needs to be replaced which I can guarantee wil...
by Smoke
Fri Oct 11, 2019 8:31 am
Forum: Personal Finance (Not Investing)
Topic: What are your personal experiences with downside of early retirement?
Replies: 95
Views: 17636

Re: What are your personal experiences with downside of early retirement?

Retired at 50. 15 years ago. No downside whatsoever. :sharebeer

I know this Question was based on the corporate downside, I could care less.
by Smoke
Mon Oct 07, 2019 5:29 pm
Forum: Personal Consumer Issues
Topic: New Car vs Fixing old car
Replies: 11
Views: 1009

Re: New Car vs Fixing old car

104k for mileage No rust Otherwise good shape with routine maintenance along with brakes and belts. Radiator went out last week and mechanic thinks it sustained a minor crack in gasket head and eventually ruptured on my drive on the interstate. Value is probably around 5-6k. Based on that info, if ...
by Smoke
Mon Oct 07, 2019 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Psychologically adverse to start drawing down in retirement
Replies: 82
Views: 8193

Re: Psychologically adverse to start drawing down in retirement

Does anyone have this issue? I like to refer to it as, Learning to be frugal is hard, but once learned is even harder to stop. I enjoy being frugal, I see it as a challenge and to do otherwise is wasteful and would make me unhappy. I like being happy, it floats my boat. And no I don't have a boat.
by Smoke
Mon Oct 07, 2019 4:57 pm
Forum: Personal Consumer Issues
Topic: New Car vs Fixing old car
Replies: 11
Views: 1009

Re: New Car vs Fixing old car

I need some advice. I have a 2011 Subaru Outback that just blew it's engine. I was quoted $6800 for new rebuilt motor with labor. It's been paid off for 4 years. My wife has a 2017 Toyota Sienna that we are currently making payments on and will be paid off in 2 years. I have funds to buy a car but ...
by Smoke
Mon Oct 07, 2019 9:30 am
Forum: Personal Consumer Issues
Topic: First car for child
Replies: 129
Views: 8042

Re: First car for child

A car with air bags and seat belts that when they crash it, it's no big because.....they will crash it. Yep, keep this in mind for your plan for a first car. My oldest son bought his own used car, never had an accident. My youngest son got our hand me down free 2004 Saturn with 60k on it in pristin...
by Smoke
Fri Oct 04, 2019 9:30 am
Forum: Personal Consumer Issues
Topic: Mouse in the house
Replies: 46
Views: 4404

Re: Mouse in the house

I have used the old victor snap traps and other snap traps, but until last year they were successful. Then for some reason the bait was being eaten without setting off the trap, no matter what bait I used or how sensitive I made the trap. So I got this... https://www.amazon.com/Humane-Mouse-Trap-Th...
by Smoke
Wed Oct 02, 2019 8:48 am
Forum: Personal Consumer Issues
Topic: Pest Exterminator DIY
Replies: 27
Views: 2086

Re: Pest Exterminator DIY

http://doityourselfpestcontrol.com/

I prefer to use bifen IT for perimeter spray, also safe for indoor use as well.
I have been using it for years now since I gave up the pest control monthly ripoff costs from my Termite company.
I still have the Termite contract though.
by Smoke
Wed Oct 02, 2019 7:16 am
Forum: Personal Consumer Issues
Topic: Mouse in the house
Replies: 46
Views: 4404

Re: Mouse in the house

I have used the old victor snap traps and other snap traps, but until last year they were successful. Then for some reason the bait was being eaten without setting off the trap, no matter what bait I used or how sensitive I made the trap. So I got this... https://www.amazon.com/Humane-Mouse-Trap-Tha...
by Smoke
Wed Oct 02, 2019 6:55 am
Forum: Personal Consumer Issues
Topic: Non stick pan preference?
Replies: 46
Views: 3537

Re: Non stick pan preference?

Lodge cast iron well seasoned, hint... don't use soybean oil, it gets gummy. We use Avocado oil, butter, fat for seasoning. While getting it seasoned, if anything gets stuck or crusty use a plastic type scrubber with salt in the pan to scrub it out. I have a glass top stove. Do people use cast iron...
by Smoke
Tue Oct 01, 2019 5:18 pm
Forum: Personal Consumer Issues
Topic: Non stick pan preference?
Replies: 46
Views: 3537

Re: Non stick pan preference?

Lodge cast iron well seasoned, hint... don't use soybean oil, it gets gummy.
We use Avocado oil, butter, fat for seasoning.
While getting it seasoned, if anything gets stuck or crusty use a plastic type scrubber with salt in the pan to scrub it out.
by Smoke
Tue Oct 01, 2019 7:48 am
Forum: Personal Consumer Issues
Topic: Ants immune to Terro or just lots of ants?
Replies: 38
Views: 3036

Re: Ants immune to Terro or just lots of ants?

Bifen IT ( Bifenthrin 7.9% )
I've been using it for years, Outside perimeter spray, safe for inside as well. Read the label.
https://www.domyown.com/bifen-it-p-226.html
by Smoke
Sat Sep 28, 2019 2:19 pm
Forum: Forum Issues and Administration
Topic: Why don't members include location?
Replies: 25
Views: 1863

Re: Why don't members include location?

It's the internet, nothing can be taken as real in postings.
by Smoke
Thu Sep 26, 2019 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Half of Retirees Afraid to Use Savings
Replies: 111
Views: 12707

Re: Half of Retirees Afraid to Use Savings

We spend on what we need and what we want, if our portfolio is larger than our needs/wants...We don't see that a bad thing.
I leave the worry about the subject to those who like to make reports, charts, click bait etc.
Retired 15 yrs in 5 days :sharebeer
by Smoke
Tue Sep 24, 2019 5:43 pm
Forum: Personal Consumer Issues
Topic: Physical activity suggestions for a non athletic youth
Replies: 189
Views: 9527

Re: Physical activity suggestions for a non athletic youth

Just my opinion, not to be argumentative with any previous postings. (or any future) Childhood and adult Obesity, In my belief is directly correlated with the advent of the now infamous Food Pyramid. Processed foods etc. and combined with the ease of doing the least amount of effort to do anything. ...
by Smoke
Mon Sep 23, 2019 7:47 pm
Forum: Personal Consumer Issues
Topic: Physical activity suggestions for a non athletic youth
Replies: 189
Views: 9527

Re: Physical activity suggestions for a non athletic youth

Also please no comments on “exercising as a family.[/b]” My husband and I are not particularly athletic either and the most “sport” we do is weekly hikes through our town trails. Other than my oldest we are all normal weight and some are underweight . OP is " Looking for suggestions on organized ph...
by Smoke
Mon Sep 23, 2019 6:24 pm
Forum: Personal Consumer Issues
Topic: Physical activity suggestions for a non athletic youth
Replies: 189
Views: 9527

Re: Physical activity suggestions for a non athletic youth

It has to be something he enjoys or it will be doomed to failure. I always hated team sports, although I was on teams I played as an individual, Track, Tennis, Discus. My parents would not allow football or wrestling. Perhaps try as a starter Ping Pong ? With others on the same level at first. So It...
by Smoke
Thu Sep 19, 2019 6:27 am
Forum: Personal Consumer Issues
Topic: Cheaper option than redoing hardwood floors?
Replies: 27
Views: 2449

Re: Cheaper option than redoing hardwood floors?

You could always laminate "over" the hardwood floor... :twisted:
by Smoke
Tue Sep 17, 2019 2:30 pm
Forum: Personal Consumer Issues
Topic: Does anybody replace HVAC capacitors presumptively before they fail as part of maintenance?
Replies: 44
Views: 3446

Re: Does anybody replace HVAC capacitors presumptively before they fail as part of maintenance?

I ordered a new capacitor and a new multimeter with capacitor testing (needed a new multimeter anyway) $23 Tested the new capacitor, Capacitor Round MFD 45 Volts 440/370 tested at 45.27 cool :happy Tested old capacitor in my HP 30.95, way below specs HP ran well with no problems, glad I checked now ...
by Smoke
Mon Sep 09, 2019 2:07 pm
Forum: Personal Consumer Issues
Topic: Does anybody replace HVAC capacitors presumptively before they fail as part of maintenance?
Replies: 44
Views: 3446

Re: Does anybody replace HVAC capacitors presumptively before they fail as part of maintenance?

This post reminded me that I need a new multimeter, I will look for one with capacitor testing.
My HP is now 9 yrs old so I had a look at the capacitor, no bulging or leaking.
13.00 for a new one, I may get one anyway just to have one on hand.