Search found 197 matches

by dalbright
Fri Nov 15, 2019 7:29 am
Forum: Personal Consumer Issues
Topic: Condensate pump recommendations wanted
Replies: 7
Views: 553

Re: Condensate pump recommendations wanted

Thanks everyone for the thoughts and recommendations! I'll keep an eye on it as its in a crawl space thus if there's an issue its not a huge deal. I was more concerned about it from the increased water volume from a functional humidifier but I personally have not had issues thus far despite the mini...
by dalbright
Wed Nov 13, 2019 9:41 am
Forum: Personal Consumer Issues
Topic: Snow tires
Replies: 54
Views: 3503

Re: Snow tires

Do you have them studded? In IL studs are illegal unfortunately so I can't comment on the studs part. We got nokian wrg3's 2-3 years ago for our prius and we love them. My dad just put on the nokian wrg4's and likes them as well. We use them year round to avoid swapping tires. They are winter rated...
by dalbright
Wed Nov 13, 2019 7:10 am
Forum: Personal Investments
Topic: BRK.B
Replies: 22
Views: 2425

Re: BRK.B

Years before I discovered the FIRE movement and low cost index funds, I invested all my money in individual stocks. Some were winners, some losers. A few years ago, after seeing the light, I started selling those stocks whenever they experienced a spike and invested the money in VTI, VOO, and VGT i...
by dalbright
Wed Nov 13, 2019 6:53 am
Forum: Personal Consumer Issues
Topic: Condensate pump recommendations wanted
Replies: 7
Views: 553

Re: Condensate pump recommendations wanted

SanityCheck wrote:
Tue Nov 12, 2019 1:59 pm
I've had real good luck with the Little Giant brand. Just occasionally clean out the basin and the check valve; and you should be "good" for a long time !
Good to know, thanks! How often were you cleaning the basin and valve out?
by dalbright
Tue Nov 12, 2019 1:24 pm
Forum: Personal Consumer Issues
Topic: Condensate pump recommendations wanted
Replies: 7
Views: 553

Condensate pump recommendations wanted

Our house does not have a condensate pump and I am thinking about adding one in soon. I replaced the humidifier that hadn't worked since we moved in which will result in some extra water flow this winter. The current ac and humidifier setup has minimal if any slope and no trap as it joins a pvc drai...
by dalbright
Mon Nov 11, 2019 7:02 pm
Forum: Personal Consumer Issues
Topic: Snow tires
Replies: 54
Views: 3503

Re: Snow tires

Do you have them studded? In IL studs are illegal unfortunately so I can't comment on the studs part. We got nokian wrg3's 2-3 years ago for our prius and we love them. My dad just put on the nokian wrg4's and likes them as well. We use them year round to avoid swapping tires. They are winter rated ...
by dalbright
Mon Nov 11, 2019 4:30 pm
Forum: Personal Consumer Issues
Topic: Water hammer
Replies: 27
Views: 2113

Re: Water hammer

Also need to consider ice makers and house humidifiers as well which can create similar sounds. Can be a combination of a lot of factors as well such as for example a solenoid closing in a unit and the actual problem is a bad mixing valve on a faucet or the expansion tank like was mentioned by anoth...
by dalbright
Sun Nov 10, 2019 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Cashing EE bonds
Replies: 12
Views: 591

Re: Cashing EE bonds

I've cashed ee bonds last year and this year at Chase without problem. Be sure to keep an eye on the $$$ figures yourself just in case as they never sent me any tax forms other than a receipt at the time of service. I tabulated it all online prior to the visit to make sure the numbers were accurate....
by dalbright
Sat Nov 09, 2019 6:58 pm
Forum: Personal Consumer Issues
Topic: What is this sound in the house?
Replies: 28
Views: 3215

Re: What is this sound in the house?

Mouse trap time!
by dalbright
Tue Nov 05, 2019 10:16 am
Forum: Personal Consumer Issues
Topic: Stinky Front Loader (Washer)
Replies: 39
Views: 2299

Re: Stinky Front Loader (Washer)

We used lemi-shine and that helped significantly with the smell. Ours used to have a strong mold/mildew smell and washing a load without clothes with this product once every few months made an amazing difference. I thought the lemon smell just masked it but days later it still smelled normal. Highly...
by dalbright
Sun Nov 03, 2019 2:12 pm
Forum: Personal Investments
Topic: Updating retirement planning roth vs. traditional and FSA use with an unexpected surprise.
Replies: 14
Views: 836

Re: Updating retirement planning roth vs. traditional and FSA use with an unexpected surprise.

Once FSA became available, we used it every year, though not at the max level. You may be surprised how much you pay out of pocket each year. For us: Well baby visits. Twice a year dental cleanings x2. New glasses every other year x2. Prescription out of pocket. other deductible and co-pays. Ya, I ...
by dalbright
Sun Nov 03, 2019 1:50 pm
Forum: Personal Investments
Topic: Updating retirement planning roth vs. traditional and FSA use with an unexpected surprise.
Replies: 14
Views: 836

Re: Updating retirement planning roth vs. traditional and FSA use with an unexpected surprise.

I also feel that it may be best to start using the traditional retirement accounts to an extent as we have been fortunate to have more income lately which has us in the 22-24%...... Unless you are in a special situation(which is possible) traditional deductible a retirement accounts are an easy def...
by dalbright
Sun Nov 03, 2019 1:47 pm
Forum: Personal Investments
Topic: Updating retirement planning roth vs. traditional and FSA use with an unexpected surprise.
Replies: 14
Views: 836

Re: Updating retirement planning roth vs. traditional and FSA use with an unexpected surprise.

Do you have anything in tax-deferred accounts (e.g. traditional IRAs, traditional 401k)? I forgot to add that my wife does have a tier 1 teachers pension from IL (but no SS) which will nice presuming its there in its current form, but i'm not planning around any specific amount here due to too many...
by dalbright
Sun Nov 03, 2019 8:45 am
Forum: Personal Investments
Topic: Updating retirement planning roth vs. traditional and FSA use with an unexpected surprise.
Replies: 14
Views: 836

Re: Updating retirement planning roth vs. traditional and FSA use with an unexpected surprise.

Ya we have some set aside for emergency fund to hit the oop max and if needed home stuff but we try and budget for home repairs on an ongoing basis. The mortgage payment also would be dropped to 1500 if necessary to cover major unanticipated needs. We based our original budget to a large extent on s...
by dalbright
Sun Nov 03, 2019 8:20 am
Forum: Personal Investments
Topic: Updating retirement planning roth vs. traditional and FSA use with an unexpected surprise.
Replies: 14
Views: 836

Re: Updating retirement planning roth vs. traditional and FSA use with an unexpected surprise.

Only a very small amount via the 4% company match for my Roth 401k technically, so for all intensive purposes none in traditional tax deferred accounts. Seems to be a good time to diversify this?
by dalbright
Sun Nov 03, 2019 7:58 am
Forum: Personal Investments
Topic: Updating retirement planning roth vs. traditional and FSA use with an unexpected surprise.
Replies: 14
Views: 836

Updating retirement planning roth vs. traditional and FSA use with an unexpected surprise.

Due to some positive life changes and ongoing learning from this site I'm now at a crossroad where I'm re-evaluating our savings options for retirement and the possible addition of a FSA. As of a few months ago we found out that we are going to be having a child in May after six years of trying! Thi...
by dalbright
Tue Oct 29, 2019 6:38 am
Forum: Personal Consumer Issues
Topic: Furnace air filters
Replies: 37
Views: 2904

Re: Furnace air filters

https://www.menards.com/main/heating-cooling/air-filters/true-blue-reg-basic-merv-7-pleated-air-filter/216201-ns/p-1444451609285-c-6856.htm?tid=138151914756711536&ipos=1 I guess it depends on how dusty/dirty your current filter gets too at the interval you ACTUALLY change it and how long your fan ru...
by dalbright
Fri Oct 25, 2019 10:45 am
Forum: Personal Consumer Issues
Topic: HVAC fan ON or auto?
Replies: 42
Views: 3854

Re: HVAC fan ON or auto?

Interestingly I've noticed that every day at 1040am my fan in the ON setting shuts down for maybe one second maximum and then starts going again. Must be some sort of old thermostat quirk. Picking up a new ecobee with remote sensors this week and moving the thermostat as well as running 18/8 wires a...
by dalbright
Fri Oct 25, 2019 6:27 am
Forum: Personal Finance (Not Investing)
Topic: Reduce roth 401(k) to just match to prepay mortgage?
Replies: 51
Views: 2628

Re: Reduce roth 401(k) to just match to prepay mortgage?

Without your exact numbers for mortgage rate and debt to equity its hard to say for sure. That being said have you run calculators to see how much you would save over the remaining years of the mortgage as well as how much sooner the payoff period would be? Another factor is how long you plan to spe...
by dalbright
Thu Oct 17, 2019 7:54 am
Forum: Personal Consumer Issues
Topic: HVAC fan ON or auto?
Replies: 42
Views: 3854

Re: HVAC fan ON or auto?

It seems to have definitely made the house more comfortable thus far but it's strange getting used to the fan being on all the time. We have a few remaining original windows that the prior owner did not upgrade that are on the to do list in the future which will help. I've significantly upgraded the...
by dalbright
Thu Oct 17, 2019 7:48 am
Forum: Personal Consumer Issues
Topic: HVAC fan ON or auto?
Replies: 42
Views: 3854

Re: HVAC fan ON or auto?

Designairohio wrote:
Wed Oct 16, 2019 12:50 pm
Arzel zoning system
Interesting, thanks for the product name!
by dalbright
Wed Oct 16, 2019 8:52 am
Forum: Personal Consumer Issues
Topic: HVAC fan ON or auto?
Replies: 42
Views: 3854

Re: HVAC fan ON or auto?

Interesting about that being an updated thermostat setting, will consider that if i upgrade! I took temps in the rooms before starting a bit ago to see the results, granted it wasn't too extreme yet as only starting to cool off here.
by dalbright
Wed Oct 16, 2019 8:40 am
Forum: Personal Consumer Issues
Topic: HVAC fan ON or auto?
Replies: 42
Views: 3854

HVAC fan ON or auto?

I've had the hvac fan on AUTO since we purchased our house (1960 split level, northern IL climate) but I've been debating putting the fan on the ON position this winter for heating. Our thermostat is poorly placed (in a stairway that stays warmer than the rest of the house overall and also warms the...
by dalbright
Thu Oct 10, 2019 9:02 pm
Forum: Personal Consumer Issues
Topic: When to put on new roof?
Replies: 34
Views: 2856

Re: When to put on new roof?

Go for an early spring install. Then the shingles have all summer to cure properly in case where you are the winter comes early and stays cold. Many leaks come from ice/snow issues than rain alone (if you're in that climate) so you will want a good seal by then. New flashing installed properly as we...
by dalbright
Thu Oct 10, 2019 10:29 am
Forum: Personal Investments
Topic: For those of us that can't max contribute
Replies: 82
Views: 9425

Re: For those of us that can't max contribute

I think you are definitely on the right track in focusing on the 5.5% interest debt first as that is a guaranteed significant return on investment. I would then say it depends on how long it would take you to pay that down, months/years to determine if you should just focus on that or split between...
by dalbright
Wed Oct 02, 2019 9:00 am
Forum: Personal Consumer Issues
Topic: Water company damaged driveway while directional boring under (acknowledged damage), how to proceed?
Replies: 16
Views: 1421

Re: Water company damaged driveway while directional boring under (acknowledged damage), how to proceed?

Who owns the area where the water line was installed? My guess is that area is owned by the municipality. In that case, you may have very little say in how the repair will be completed. If it is owned by you, the municipality should have had to get you to sign a release in order to install the new ...
by dalbright
Mon Sep 30, 2019 1:25 pm
Forum: Personal Consumer Issues
Topic: Water company damaged driveway while directional boring under (acknowledged damage), how to proceed?
Replies: 16
Views: 1421

Re: Water company damaged driveway while directional boring under (acknowledged damage), how to proceed?

How about taking a look around the neighborhood and the project area and see if the same thing has happened to someone else as well. There is strength in numbers. Surely need to consider excavation of more of driveway to that proper compaction of base soil can be done. Ya, we were the only one so f...
by dalbright
Mon Sep 30, 2019 1:16 pm
Forum: Personal Consumer Issues
Topic: Water company damaged driveway while directional boring under (acknowledged damage), how to proceed?
Replies: 16
Views: 1421

Re: Water company damaged driveway while directional boring under (acknowledged damage), how to proceed?

Hanksmoney wrote:
Mon Sep 30, 2019 1:06 pm
If it's concrete, I'd let them saw cut out a good section (10ft or so) and repour with seams. I would required a powerwash so it all matches pretty good. Do they have an official way to file a claim?
Sorry, for clarification it is an asphalt driveway.
by dalbright
Mon Sep 30, 2019 1:11 pm
Forum: Personal Consumer Issues
Topic: Water company damaged driveway while directional boring under (acknowledged damage), how to proceed?
Replies: 16
Views: 1421

Re: Water company damaged driveway while directional boring under (acknowledged damage), how to proceed?

Aesthetics is an issue but also separation due to the "mud" displacement and associated change of location of the base layer. I presume that an entire new base needs to be installed in that section at minimum but i'm not sure if that will then still settle improperly compared to the existing drivewa...
by dalbright
Mon Sep 30, 2019 12:51 pm
Forum: Personal Consumer Issues
Topic: Water company damaged driveway while directional boring under (acknowledged damage), how to proceed?
Replies: 16
Views: 1421

Water company damaged driveway while directional boring under (acknowledged damage), how to proceed?

The water company is replacing the water main along our road using trenchless methods. For an unknown reason when pulling the new main through the trench instead of the mud coming out of their pressure relief holes it lifted my driveway about a foot up (think wide parking lot speed bump. The new mai...
by dalbright
Sat Sep 21, 2019 10:30 am
Forum: Personal Consumer Issues
Topic: Lawn care schedule
Replies: 75
Views: 7359

Re: Lawn care schedule

I wanted to update again and thank you all for your tips for my lawn. I just over-seeded the backyard as it looks like we have a fair amount of rain coming this week. The clover was still resilient this year but it seems like I made considerable progress with the weeds and crabgrass since the origin...
by dalbright
Thu Sep 19, 2019 7:28 am
Forum: Investing - Theory, News & General
Topic: (NEW) WisdomTree 90/60 U.S. Balanced Fund
Replies: 325
Views: 34716

Re: (NEW) WisdomTree 90/60 U.S. Balanced Fund

Slowly starting to add some NTSX in to my portfolio. It seems to be accomplishing its goals by design since I began watching it from its launch date and has been steadily growing its AUM. I wish the trading volume was a bit higher but there appears to be a large buy/hold contingent with this fund.
by dalbright
Fri Sep 13, 2019 7:06 am
Forum: Personal Consumer Issues
Topic: Best Triathlon Bike?
Replies: 32
Views: 2685

Re: Best Triathlon Bike?

I would check out the classifieds section of the slowtwitch forum and see if anyone has anything near you. It is the best triathlon forum. You are the easiest person to drop weight on...next up is the bike but the dollar per pound goes way (weigh?) up! You will find lots of great triathlon bikes the...
by dalbright
Wed Aug 21, 2019 10:15 am
Forum: Investing - Theory, News & General
Topic: Stable value funds?
Replies: 11
Views: 749

Re: Stable value funds?

To me, the ER of a stable value fund is not important, the credit rating of the issuer is. I am not quite understanding your version of stable value fund. To me, quoting https://www.investopedia.com/terms/s/stable-value-fund.asp "A stable value fund is a portfolio of bonds that are insured to prote...
by dalbright
Wed Aug 21, 2019 9:49 am
Forum: Investing - Theory, News & General
Topic: Stable value funds?
Replies: 11
Views: 749

Stable value funds?

My 401k has no money market alternative, but does have a stable value fund referred to as Fidelity Managed Income Portfolio Class 1. The ER is terrible at .7x but with no MM alternative (or decent short term bond fund) i've been trying to learn more about this fund and SV funds in general as a short...
by dalbright
Sun Aug 18, 2019 9:14 pm
Forum: Personal Consumer Issues
Topic: Front load washer mold
Replies: 30
Views: 2872

Re: Front load washer mold

Our front load washer used to smell gross and musty despite leaving the tray open and door open as well as cleaning off the gasket every once in a while. I hate any sort of "magic" product and am a huge skeptic, but the "lemi shine" product for washing machines was/is amazing. I assumed it would jus...
by dalbright
Tue Aug 13, 2019 2:54 pm
Forum: Personal Consumer Issues
Topic: Lawn mower
Replies: 25
Views: 2471

Re: Lawn mower

I would keep an eye out at walmart towards the end of the season as every year they have them on super-clearance. The one my wife uses now was around 50$ for a basic no frills mtd that keeps on going. She wanted a light one so it fit the bill. I have bigger toys for the backyard :). Whatever you cho...
by dalbright
Mon Aug 12, 2019 6:28 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard ongoing glitches, August 12-13, 2019]
Replies: 256
Views: 17343

Re: Wellesley 56.05% drop today

sixtyforty wrote:
Mon Aug 12, 2019 6:26 pm
dalbright wrote:
Mon Aug 12, 2019 6:16 pm
Fixed now FWIW. Up .04%
Where did you see it was fixed ? I login to Vanguard and it still shows down -56%.
Marketwatch, they always update the fastest, and its also updated on the stocks tab of the iphone if you use that.
by dalbright
Mon Aug 12, 2019 6:16 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard ongoing glitches, August 12-13, 2019]
Replies: 256
Views: 17343

Re: Wellesley 56.05% drop today

Fixed now FWIW. Up .04%
by dalbright
Sun Aug 11, 2019 3:14 pm
Forum: Personal Consumer Issues
Topic: Checking credit card statements
Replies: 52
Views: 3127

Re: Checking credit card statements

I set my card up to send email notifications for every purchase. I've contacted the CC company before the fraud division even noticed trouble on multiple occasions this way. I also can refresh my email at the establishment to confirm the payment within minutes.
by dalbright
Fri Aug 02, 2019 4:32 pm
Forum: Personal Consumer Issues
Topic: Insane to buy a sports car?
Replies: 215
Views: 12068

Re: Insane to buy a sports car?

Buy both for diversification purposes!
by dalbright
Wed Jul 31, 2019 2:12 pm
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

In my area the gas company is extremely helpful to the homeowners/businesses and I've never heard of them locking out in such a manner. This is a near daily occurrence with the Fire Department I volunteer with...Looks like a case of YMMV.
by dalbright
Wed Jul 31, 2019 12:32 pm
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

Did you pay to have it installed? If so have them come out with a gas meter. You sometimes can ask your local gas company for free as well...but they will probably have you evacuate etc once you say you smell gas in your home until they get there.
by dalbright
Mon Jul 29, 2019 5:14 pm
Forum: Investing - Theory, News & General
Topic: Selling coin collection?
Replies: 34
Views: 2968

Re: Selling coin collection?

Thanks everyone for all the helpful tips! I'll keep trying to sort them more efficiently as many of you have described to see which ones are worth investigating further. It's becoming less daunting now for sure!
by dalbright
Mon Jul 29, 2019 1:01 pm
Forum: Investing - Theory, News & General
Topic: Selling coin collection?
Replies: 34
Views: 2968

Re: Selling coin collection?

Ya, the only newer coin i want to hold onto is a Mint roll of Sacajawea dollar coins my grandpa got me from the bank since that seemed unique to me at least. No kids to pass on the non-silver dollars/halfs to unfortunately.
by dalbright
Mon Jul 29, 2019 12:04 pm
Forum: Investing - Theory, News & General
Topic: Selling coin collection?
Replies: 34
Views: 2968

Re: Selling coin collection?

I'm trying to just generally sort them out now into categories/denominations. A lot of ike dollar coins that seem rather unremarkable, so in the end I will be able to focus more on the few that may be worth spending time researching. I had a low filter for coins I thought were cool enough to save 25...
by dalbright
Mon Jul 29, 2019 6:39 am
Forum: Investing - Theory, News & General
Topic: Selling coin collection?
Replies: 34
Views: 2968

Selling coin collection?

I'm looking for some advice on potentially selling coins in the western Chicago suburbs area or at least which coins should not be considered for just their silver content. I went home to visit my family this weekend and remembered to bring back my coin collection from when I was a child and would g...
by dalbright
Thu Jul 25, 2019 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax settlement: how to file claim?
Replies: 149
Views: 14306

Re: Equifax settlement: how to file claim?

Here's the link to file your claim : https://www.equifaxbreachsettlement.com/ I don't expect anyone to trust a random domain like this so please feel free to go to Equifax's site (https://www.equifax.com), there is a link to this other site right at the top If you opt out of the credit monitoring s...