Search found 40 matches

by Carpenterant
Fri Oct 09, 2020 11:01 pm
Forum: Personal Consumer Issues
Topic: I need some math help (figuring angle of a circle?)
Replies: 27
Views: 1474

Re: I need some math help (figuring angle of a circle?)

Easiest way to figure it out for your purposes is to cut a piece of cardboard to the area and then match it, assuming your walls are plumb. When it comes to houses the math gets you close. Edit: when carpenters are building things they use the radius to make circular things. They find the radius by ...
by Carpenterant
Wed Sep 16, 2020 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: what is your side job and income?
Replies: 87
Views: 10745

Re: what is your side job and income?

I do small carpentry projects on the side. Depending on what it is and if I have any 0-2000 per month. Usually work on Saturdays. I’m rethinking things a bit because I just finished 13 weeks of 70-80 hrs working
by Carpenterant
Fri Aug 14, 2020 8:06 pm
Forum: Personal Consumer Issues
Topic: Products that last forever
Replies: 238
Views: 15872

Re: Products that last forever

I think guns would fit my criteria of lasting forever. I have a few pairs of high end binoculars that should last my lifetime. I’m not sure if anyone mentioned this yet, but I hear twinkies last forever
by Carpenterant
Wed Aug 12, 2020 12:30 am
Forum: Personal Consumer Issues
Topic: Should I caulk this area on a shower door?
Replies: 30
Views: 2449

Re: Should I caulk this area on a shower door?

When in doubt caulk it out
by Carpenterant
Thu Jul 09, 2020 10:09 pm
Forum: Personal Consumer Issues
Topic: Sports drink preferences
Replies: 61
Views: 3020

Re: Sports drink preferences

Nuun tablets are my preference for true endurance activities, think half Ironman+. Playing tennis for a few hours on hot day just stick with water, your just paying for expensive pee and extra calories with most “sports” drinks. I use nuun for hiking and hunting. Good stuff low sugar. Get some with...
by Carpenterant
Tue Jul 07, 2020 12:10 am
Forum: Personal Consumer Issues
Topic: Can I use dishwasher if no hot water?
Replies: 15
Views: 1663

Re: Can I use dishwasher if no hot water?

Yep it’s fine to run
by Carpenterant
Mon Jul 06, 2020 11:50 pm
Forum: Personal Consumer Issues
Topic: Detecting termite under a concrete patio?
Replies: 18
Views: 1074

Re: Detecting termite under a concrete patio?

Ants have elbowed antenna termites straight, ants have a distinct pinch between abdomen and thorax termites are joined as one piece. There is a product called a termatrac that some companies use, it doesn’t detect termites specifically but it uses some kind of waves to detect movement, it also can ...
by Carpenterant
Mon Jul 06, 2020 4:33 pm
Forum: Personal Consumer Issues
Topic: Detecting termite under a concrete patio?
Replies: 18
Views: 1074

Re: Detecting termite under a concrete patio?

Ants have elbowed antenna termites straight, ants have a distinct pinch between abdomen and thorax termites are joined as one piece. There is a product called a termatrac that some companies use, it doesn’t detect termites specifically but it uses some kind of waves to detect movement, it also can d...
by Carpenterant
Mon Jun 29, 2020 7:33 pm
Forum: Personal Consumer Issues
Topic: Building a raised garden bed with corrugating metal roof panels
Replies: 6
Views: 553

Re: Building a raised garden bed with corrugating metal roof panels

I use scrap 2x and/or 1x, usually some sort of construction material, paint it and grow. 2 years seems really short, especially for cedar. My oldest one is about 7 years and no signs of rot termites etc
by Carpenterant
Sun Jun 21, 2020 7:13 pm
Forum: Personal Consumer Issues
Topic: Deck railings
Replies: 26
Views: 2185

Re: Deck railings

With a composite that has groves on the bottom you could cut a 45 degree angle perpendicular to the grain the thickness of the board so that it looks like it flows down at the end. What would you need a router for if you used wood? Almost any wood you use for building will already have the corners r...
by Carpenterant
Fri Jun 19, 2020 7:39 pm
Forum: Personal Investments
Topic: Cash out refi with 100% Equity?
Replies: 64
Views: 3609

Re: Cash out refi with 100% Equity?

I did this in April with the same dollar amount. It’s worked out well for me so far. I don’t see a major problem with doing this as long as you understand the risks.
by Carpenterant
Wed Jun 17, 2020 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: Would you rent your house to a famous athlete?
Replies: 104
Views: 8202

Re: Would you rent your house to a famous athlete?

Depends on the sport. I’d much rather rent to baseball or nba or hockey player and would not rent to an nfl player. I’m not sure if it’s against any laws to discriminate based on sport but I would.
by Carpenterant
Sun Jun 14, 2020 4:37 pm
Forum: Personal Consumer Issues
Topic: Time to replace deck?
Replies: 24
Views: 2141

Re: Time to replace deck?

You should be able to get more out of stain on wood with a good solid body stain. If you do stained wood do all 4 sides not just the top like most people do. The screws may be broken off in the joist causing them to spin freely and never get tight.
by Carpenterant
Sat Jun 13, 2020 11:53 pm
Forum: Personal Consumer Issues
Topic: Deck railings
Replies: 26
Views: 2185

Re: Deck railings

Your deck is old wood, probably red wood. It’s a simple 2x6 top rail with 2x4 top and bottom braces and 2x2 pickets. Replace it with whatever grade of redwood you can afford and put a stain on it, solid body for longer life or transparent for the aesthetics. All of the materials are readily availabl...
by Carpenterant
Sun May 24, 2020 6:51 pm
Forum: Personal Consumer Issues
Topic: Advice? How to stop mud swallow nesting under the house eaves and walls?
Replies: 8
Views: 654

Re: Advice? How to stop mud swallow nesting under the house eaves and walls?

You can also end up swallow bugs if you leave them too long. There’s several bird deterrents that can work: Scare spiders Flash tape Predator noise speakers Motion activated sprinklers Bird gel Bird net Shock track If you get desperate you could shoot them, be careful who you tell as they’re protect...
by Carpenterant
Sat May 23, 2020 12:03 am
Forum: Personal Finance (Not Investing)
Topic: The axe falls and I am prepared. What's next?
Replies: 407
Views: 39549

Re: The axe falls and I am prepared. What's next?

1. Keep working 2. Find a job if you like I know that doesn’t answer your questions in the context you asked, but, I think it applies. I’m kinda surprised you’re asking such specific questions with how matter of fact and prepared you come across. Being told you are not employed anymore is humbling ...
by Carpenterant
Fri May 22, 2020 11:33 pm
Forum: Personal Finance (Not Investing)
Topic: The axe falls and I am prepared. What's next?
Replies: 407
Views: 39549

Re: The axe falls and I am prepared. What's next?

1. Keep working
2. Find a job if you like

I know that doesn’t answer your questions in the context you asked, but, I think it applies. I’m kinda surprised you’re asking such specific questions with how matter of fact and prepared you come across.
by Carpenterant
Wed Apr 01, 2020 3:45 pm
Forum: Personal Consumer Issues
Topic: Online / Gun Dealer Recommendations
Replies: 101
Views: 9262

Re: Online / Gun Dealer Recommendations

A few that haven’t been mentioned Aim surplus Midway USA Buds gun shop Atlantic firearms (worth checking out just for the semi auto rifles they carry) It never hurts to see what the big box stores like cabellas, bass pro, or sportsman’s warehouse have a sell on. Good luck finding ammo for the popula...
by Carpenterant
Sun Mar 29, 2020 11:47 am
Forum: Personal Consumer Issues
Topic: Red Wasp homemade trap bait?
Replies: 6
Views: 385

Re: Red Wasp homemade trap bait?

Try clear soda. I use a fly trap and get rid of the stinky stuff for flys and then put the soda in
by Carpenterant
Thu Mar 26, 2020 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Need help regarding Refinance - feels like I am being ripped off!
Replies: 28
Views: 1782

Re: Need help regarding Refinance - feels like I am being ripped off!

Actually as I rehash this out it reminds me I need to leave bad reviews online
by Carpenterant
Thu Mar 26, 2020 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: Need help regarding Refinance - feels like I am being ripped off!
Replies: 28
Views: 1782

Re: Need help regarding Refinance - feels like I am being ripped off!

I went with another company because they weren’t competitive at all. They keep calling me even after I told them I went with someone else. I actually had to block their number after telling three people I was not going to use them and was working with another company. They called from another number...
by Carpenterant
Tue Mar 24, 2020 4:07 pm
Forum: Personal Consumer Issues
Topic: Ants ... should we keep going or change tactics
Replies: 36
Views: 2394

Re: Ants ... should we keep going or change tactics

I work in the pest control field. I could write out tons info on ant control if was useful, but as a general rule if the ants are eating the bait they will die. It’s very useful if you can identify the ant but if not keep baiting. In SoCal there’s a ton of Argentine ants and they can be difficult to...
by Carpenterant
Mon Mar 23, 2020 8:34 pm
Forum: Personal Consumer Issues
Topic: If you could only listen to one podcast...
Replies: 138
Views: 12195

Re: If you could only listen to one podcast...

The MeatEater podcast if I have to choose one. I’m an avid hunter so listen to several hunting podcasts.
by Carpenterant
Mon Mar 23, 2020 8:18 pm
Forum: Investing - Theory, News & General
Topic: Are current recession's comparisons to Great Depression doomer tier, accurate or understated?
Replies: 112
Views: 9233

Re: Are current recession's comparisons to Great Depression doomer tier, accurate or understated?

I tend to think of this like the chicken pox. Not deadly for most people but some have bad reactions. I personally am almost tempted to seek it out and get it so that it’s over with. I don’t believe we have the underlying issues of the Great Depression or the Great Recession and once we get past the...
by Carpenterant
Thu Mar 19, 2020 3:20 pm
Forum: Personal Consumer Issues
Topic: How much cash to have during coronavirus panic?
Replies: 146
Views: 11622

Re: How much cash to have during coronavirus panic?

One month of expenses, like always
by Carpenterant
Wed Mar 18, 2020 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: How many are regretting not investing in real estate
Replies: 55
Views: 5540

Re: How many are regretting not investing in real estate

There’s a house for rent a few blocks away from me; I drive past it on my home from work and think, boy, I’m glad I’m not in the owners shoes right now
by Carpenterant
Wed Mar 18, 2020 1:14 pm
Forum: US Chapters
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 505
Views: 55968

Re: How Is Your Job Being Impacted By The Current Crisis?

Small service company working as a sales/service manager. We are still getting calls and selling work. Have had a few people reschedule because of this. The rest of this month looks fine. Next month is when I anticipate seeing how much we are affected. Had a meeting with the sales crew this morning ...
by Carpenterant
Wed Feb 12, 2020 6:38 pm
Forum: Personal Consumer Issues
Topic: Lifetime Warranty Strategy
Replies: 19
Views: 2159

Re: Lifetime Warranty Strategy

I typically subscribe to the “buy once, cry once” mentality for significant purchases. I don’t usually care about something as small as a charging cable. I usually don’t like to wait in line for the cheapest gas either
by Carpenterant
Mon Feb 10, 2020 1:40 pm
Forum: Personal Consumer Issues
Topic: What is your most luxury/expensive hobby.
Replies: 264
Views: 20797

Re: What is your most luxury/expensive hobby.

Guns and hunting. Not just the guns but the ammo and optics. 2-3k per year and it’s probably going to get worse because I’m starting to look at hunting out of state
by Carpenterant
Sat Jan 25, 2020 12:06 am
Forum: Personal Finance (Not Investing)
Topic: What did you do cool with your money today?
Replies: 125
Views: 10586

Re: What did you do cool with your money today?

I bought a gun. Tikka t3x. Will be my new elk rifle
by Carpenterant
Thu Nov 07, 2019 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone want to share their monthly budget? Here's ours
Replies: 153
Views: 35261

Re: Anyone want to share their monthly budget? Here's ours

I’ll give it a shot Married three kids single income Take home $4194 Tithe 484 Giving 70 Two Roth IRA 1000 Mortgage pimi 684 Electric 140 Water 120 Phone/internet 96 Grocery 460 Gas 200 Vitamins 50 Life insurance 48 Health insurance 2 Auto insurance 50 Pets/animals 160 His/hers spending 160 Kids stu...
by Carpenterant
Mon Oct 21, 2019 11:34 pm
Forum: Personal Investments
Topic: Advice for friend - lots of loads and high ER yet good returns
Replies: 37
Views: 2706

Re: Advice for friend - lots of loads and high ER yet good returns

If he buys those same funds, class a, through Schwab there is no front load on them and he can continue to contribute if he wants. Schwab has a deal with mfs and many other mutual fund companies to not charge a front load that other brokers charge, not sure if fidelity or vanguard are the same. That...
by Carpenterant
Fri Sep 06, 2019 12:31 am
Forum: Personal Investments
Topic: Vehicle savings with a Vanguard fund
Replies: 14
Views: 1548

Re: Vehicle savings with a Vanguard fund

I am in a very similar situation as you in regards to a new vehicle, income, and savings ( I think because I’m not quite sure on yours). I keep EF in a taxable account in a money market and excess savings in total stock market. I do this because I have flexibility on when the purchase happens and my...
by Carpenterant
Fri Aug 02, 2019 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Should I refinance?
Replies: 14
Views: 823

Re: Should I refinance?

What rate can you get for a 30 years? And 3.625% seems quite high for a 15 year. I would need to look at the thirty year rate. I didn’t even think of refinancing to a 30yr without cash out. I can buy points to get the 3.625% down to 3.125% but if I roll that into my loan it makes my payments the sa...
by Carpenterant
Fri Aug 02, 2019 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Should I refinance?
Replies: 14
Views: 823

Re: Should I refinance?

I should also add that it’s tough finding lenders to refinance such a small loan and that buying points on the 15 year raises my PI to the point where it makes more sense to just pay that amount on my current loan At my lender, loans less than $100k have a slightly higher interest rate. For loans $...
by Carpenterant
Fri Aug 02, 2019 12:06 am
Forum: Personal Finance (Not Investing)
Topic: Should I refinance?
Replies: 14
Views: 823

Should I refinance?

Hi guys, My first real post here and I have some questions about refinancing. First, I’d like to thank the members here for showing me the light and helping me get away from Edward Jones. My question is about refinancing so I will give information I think is pertinent to that, if any other info is n...
by Carpenterant
Sun Jul 14, 2019 12:00 am
Forum: Investing - Theory, News & General
Topic: Americans believe they need $1.7 million, on average, to retire
Replies: 284
Views: 32402

Re: Americans believe they need $1.7 million, on average, to retire

I think I’ll need that much. Me and the missus invest about 14k a year on one income of 60k, watch our expenses and are happy with how we live. At 35 and 31 respectively, we have time to increase earnings but it’s not a priority and it is doubtful our earnings will ever reach 6 figures. I had never ...
by Carpenterant
Wed Jun 26, 2019 1:28 am
Forum: Personal Investments
Topic: Re-evaluating risk tolerance one year later
Replies: 7
Views: 765

Re: Re-evaluating risk tolerance one year later

My advice fwiw: backup money sounds a lot like something with no purpose. I would suggest you work out with yourself what your purpose with this money is. Next thing I would suggest is that whatever you decide to do just stick with it so you don’t find yourself in another year or three not satisfied...
by Carpenterant
Fri May 31, 2019 8:38 pm
Forum: Personal Investments
Topic: Is an emergency just mental accounting?
Replies: 70
Views: 6167

Re: Is an emergency just mental accounting?

The question itself, is, in essence flawed. An emergency fund is self underwriting for expenses that may arise. If it is purely mental accounting, then so is health insurance, life insurance, car insurance, etc. With an emergency fund you are literally underwriting yourself for expenses that may ari...
by Carpenterant
Thu May 23, 2019 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: Termite Control - worthwhile or a scam
Replies: 11
Views: 1472

Re: Termite Control - worthwhile or a scam

My first post here. I work for a pest control company as a manager of the termite division. Terminix is known for their no treat warranties; they basically charge for regular inspection and if something pops up they do a localized ‘spot’ treatment. Many companies issue warranties because they treate...