Search found 237 matches

by Mr. Rumples
Thu Nov 14, 2019 5:10 pm
Forum: Personal Consumer Issues
Topic: Consequence of senior not paying phone bill and closing account
Replies: 22
Views: 1020

Re: Consequence of senior not paying phone bill and closing account

In a dispute with Comcast, my state utility regulatory agency was helpful. While they don't regulate phone companies, they do have contacts and did forward my request and within a day someone from Comcast's regional office called and resolved the matter. You may or may not of course, find the same w...
by Mr. Rumples
Thu Nov 14, 2019 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: What are the best jobs to downshift into?
Replies: 16
Views: 1732

Re: What are the best jobs to downshift into?

Part time work should be fun. I once had a part time job doing gardening work. This was around 1995 and I was paid $10 an hour to weed. That was it, just weed, no raking, no mowing. It was a nice job to sit in the sun and do that. One person I use to work with who is now in her 70's has a job as a "...
by Mr. Rumples
Thu Nov 14, 2019 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Collection Calls Right After Death
Replies: 31
Views: 2095

Re: Collection Calls Right After Death

While it doesn't apply here, some states like Virginia recognize the "doctrine of necessity" whereby a spouse is liable for the deceased spouse's medical bills even though the spouse never signed a thing, if they were living together at the time of death (Va. Code Section 55-37; amended 2019). Virgi...
by Mr. Rumples
Tue Nov 12, 2019 9:10 pm
Forum: Personal Consumer Issues
Topic: Hearing Aid Question
Replies: 5
Views: 545

Re: Hearing Aid Question

I don't wear hearing aids, but I know two people who are very very satisfied with the ones they bought at Costco. One is a neighbor who just wanted hearing aids. She's happy. The other is the husband of my POA. He has ones which are what I would call high tech, the GPS talks to him on it, phone call...
by Mr. Rumples
Tue Nov 12, 2019 7:09 pm
Forum: Personal Consumer Issues
Topic: Blankets/Bedding for Cold Winter Nights
Replies: 56
Views: 3421

Re: Blankets/Bedding for Cold Winter Nights

Electric Blanket We use an electric mattress pad, which requires a lot less washing (as it's protected under the sheet) so it lasts longer. It also loses less heat into the air as it's under all the blankets. And it's far more resistant to cats' kneading. Marylander1 My cats have their own heating ...
by Mr. Rumples
Tue Nov 12, 2019 3:11 pm
Forum: Personal Consumer Issues
Topic: Blankets/Bedding for Cold Winter Nights
Replies: 56
Views: 3421

Re: Blankets/Bedding for Cold Winter Nights

I like a cold bedroom but a warm bed. What has worked well for decades is using an electric blanket between the top sheet and a comforter, turned on about two hours before bedtime to warm it. Then it can be turned off. Its also great to nap on when its turned on. Wool blankets are nice but not only ...
by Mr. Rumples
Mon Nov 11, 2019 7:06 pm
Forum: Personal Consumer Issues
Topic: Splitting fence cost with neighbor
Replies: 53
Views: 5034

Re: Splitting fence cost with neighbor

Well since you are in Colorado, you are governed by fence out laws. You can always get a cow - if he doesn't have a fence in good repair, he can't sue you when the cow tramples his property.
by Mr. Rumples
Mon Nov 11, 2019 7:02 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4110
Views: 1172006

Re: What Book Are You Currently Reading? Part VI

I am working my way slowly though the book Yoga Fitness for Men: Build Strength, Improve Performance, and Increase Flexibility by Dean Pohlman. I realize I need to work more on balance and flexibility as I get older. I like this book since unlike so many, it shows the beginning / baby steps to get t...
by Mr. Rumples
Mon Nov 11, 2019 6:54 pm
Forum: Personal Investments
Topic: New Construction Home Purchase
Replies: 17
Views: 1173

Re: New Construction Home Purchase

When I moved back east, I rented for three months while I looked. I chose an extended stay hotel. I wish I had rented for a year in a regular apartment so I did not feel rushed. I am glad however that I did not buy right off the bat. But whatever you do, don't stay at an extended stay hotel! :)
by Mr. Rumples
Mon Nov 11, 2019 5:14 pm
Forum: Personal Consumer Issues
Topic: Splitting fence cost with neighbor
Replies: 53
Views: 5034

Re: Splitting fence cost with neighbor

Hey folks - lot of helpful info here, but hoping I can get some input on a curious sitch I found myself in. I just moved into a new construction subdivision. Our house is surrounded by homes on all sides and all 3 sides of the fence were built within the last year, i.e. before we were even looking ...
by Mr. Rumples
Mon Nov 11, 2019 2:48 pm
Forum: Personal Consumer Issues
Topic: Anyone had their house repiped?
Replies: 30
Views: 2980

Re: Anyone had their house repiped?

I am looking at having some work done to bring the house up to modern standards; I have copper at the present time. I have heard rodents chew on pex, and while hopefully this won't be an issue in areas where there is widespread destruction of homes due to fires, the pex melts and contaminates the so...
by Mr. Rumples
Sun Nov 10, 2019 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: What is reasonable HOA reserve?
Replies: 13
Views: 1282

Re: What is reasonable HOA reserve?

After the collapse of an HOA's (not ours) parking deck in Denver (2010) - no one was hurt but lots of smashed vehicles, they were lucky - it started to hit home among owners that we had some long term issues that needed to be addressed. We did a formal reserve study and coupled that with specialists...
by Mr. Rumples
Sun Nov 10, 2019 9:46 am
Forum: Personal Consumer Issues
Topic: Fruit Fly Problem
Replies: 24
Views: 2341

Re: Fruit Fly Problem

We had that problem a few years ago. Turned out there was a potato way back in the pantry that was the culprit.
by Mr. Rumples
Sat Nov 09, 2019 8:51 pm
Forum: Personal Consumer Issues
Topic: New thermostat for mid-late 70’s parents?
Replies: 27
Views: 1615

Re: New thermostat for mid-late 70’s parents?

I guess I am a diminishing elder :). The unit mentioned above is much like what I have for my home with one more slot/position in case I have to use auxiliary heat instead of the heat pump in an emergency but my nephew painted that red so I would know it was for emergencies.
by Mr. Rumples
Sat Nov 09, 2019 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: What is reasonable HOA reserve?
Replies: 13
Views: 1282

Re: What is reasonable HOA reserve?

Here is Washington's (state) statute on reserve accounts: https://app.leg.wa.gov/RCW/default.aspx?cite=64.34.380 It would appear that a reserve study is required by law. Am I reading this wrong? If I am not, then the board can't do the special assessment to boost the reserves without a study. As I r...
by Mr. Rumples
Sat Nov 09, 2019 8:17 pm
Forum: Personal Consumer Issues
Topic: What is this sound in the house?
Replies: 28
Views: 3197

Re: What is this sound in the house?

If you have ruled out anything mechanical, then you are left with a critter; not unusual for this time of year. Chipmunks burrow, a rat hole is easy to spot, squirrels not likely unless its a flying squirrel - my neighbor had them set up house in his basement, but most likely a mouse. You may see dr...
by Mr. Rumples
Sat Nov 09, 2019 7:16 pm
Forum: Personal Consumer Issues
Topic: New thermostat for mid-late 70’s parents?
Replies: 27
Views: 1615

Re: New thermostat for mid-late 70’s parents?

I suggest keeping it simple, whatever you do. Do they need to adjust it during the day if they are home? Also, keep in mind that if they are ill at some point, they might want to be able to change the temperature without getting out a manual.
by Mr. Rumples
Sat Nov 09, 2019 7:11 pm
Forum: Personal Investments
Topic: Spend It All vs. Leave $$ for the Kids
Replies: 174
Views: 12881

Re: Spend It All vs. Leave $$ for the Kids

I have no qualms about not spending all my $. What I will do is establish an endowed scholarship in addition to leaving money to family. I am also designating some grants to deserving kids for dispersal upon my crossing over to the other side.
by Mr. Rumples
Sat Nov 09, 2019 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: What is reasonable HOA reserve?
Replies: 13
Views: 1282

Re: What is reasonable HOA reserve?

If they are going to do a special assessment to boost reserves, then they need to do a reserve study to ensure you don't go through the process again. They literally need to inventory everything the HOA owns, from mailboxes to carpet to driveways, determine their condition now, the date they were in...
by Mr. Rumples
Sat Nov 09, 2019 3:14 pm
Forum: Personal Consumer Issues
Topic: Should I replace my HVAC system or get home warranty plan?
Replies: 17
Views: 898

Re: Should I replace my HVAC system or get home warranty plan?

Here is my experience with a home warranty plan, it cost the seller the sale to me. I was looking at a home and the inspector said there was a problem with the HVAC system (heat pump). My agent then called out an HVAC company which said the outside unit needed replacement. The seller's home warranty...
by Mr. Rumples
Sat Nov 09, 2019 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Do you charge your employer for the time that you spend working on your off days?
Replies: 145
Views: 7527

Re: Do you charge your employer for the time that you spend working on your off days?

There are specific statutes governing situations like this under FLSA, federal labor law, and in some states, state and even local law. Questions to ask: is the position exempt or non-exempt under federal law (and in some states by state and even local law), is movement restricted (for example, eve...
by Mr. Rumples
Sat Nov 09, 2019 8:04 am
Forum: Personal Finance (Not Investing)
Topic: Do you charge your employer for the time that you spend working on your off days?
Replies: 145
Views: 7527

Re: Do you charge your employer for the time that you spend working on your off days?

There are specific statutes governing situations like this under FLSA, federal labor law, and in some states, state and even local law. Questions to ask: is the position exempt or non-exempt under federal law (and in some states by state and even local law), is movement restricted (for example, even...
by Mr. Rumples
Sat Nov 09, 2019 6:58 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4110
Views: 1172006

Re: What Book Are You Currently Reading? Part VI

If I had a nickel for every Virginia who said they came from royalty, I'd be rich. This book puts an end to that. Virginia Immigrants and Adventurers: A Biographical Dictionary, 1607-1635 by Martha McCartney. It is a resource book, but I am simply reading it cover to cover. It contains the biographi...
by Mr. Rumples
Fri Nov 08, 2019 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: Settling a disputed estate, cannot locate one survivor
Replies: 20
Views: 1890

Re: Settling a disputed estate, cannot locate one survivor

Thanks, sorry...got all excited...am currently actually researching the estate of Daniel Parke who died in 1710; his estate was still being disputed in the 1770's.
by Mr. Rumples
Fri Nov 08, 2019 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: Settling a disputed estate, cannot locate one survivor
Replies: 20
Views: 1890

Re: Settling a disputed estate, cannot locate one survivor

Every state is different in how they handle probate. First, even though he is the beneficiary, is he the executor (representative in some states) ? Has he filed the paperwork to do this if he is? Does he need a bond or was that waived in the will? Settling an estate is time consuming and expensive. ...
by Mr. Rumples
Fri Nov 08, 2019 7:50 am
Forum: Personal Consumer Issues
Topic: Is selling trees for lumber Immoral?
Replies: 33
Views: 2656

Re: Is selling trees for lumber Immoral?

When looking at the trees and which if any to cut, consider the effect on wildlife. My neighbor cut down several old white oaks and did not realize that in one a raccoon was living and in another a pileated woodpecker (they are freakishly large - as big as crows) had set up its home. Neither are end...
by Mr. Rumples
Wed Nov 06, 2019 5:41 pm
Forum: Personal Consumer Issues
Topic: Do wool dryer balls work?
Replies: 14
Views: 1314

Re: Do wool dryer balls work?

Walmart has them, 2 for $4.99. The package says you need four, but two always work for me. They do get caught up in the sheets sometimes. I won't go back to dryer sheets. I started out with 2 and 1/2 of a dryer sheet to see how it worked. Then I went down to 1/3 dryer sheet and now no dryer sheet; o...
by Mr. Rumples
Wed Nov 06, 2019 7:33 am
Forum: Personal Consumer Issues
Topic: Spectrum Internet has a good scam going
Replies: 59
Views: 6894

Re: Spectrum Internet has a good scam going

While these services are not regulated by states, perhaps your state govt. will help. In my case, I had a problem with Comcast. I called the VA State Corporation Commission which regulates utilities. Even though, as I said, they don't have legal jurisdiction, they did have a contact and the issue wa...
by Mr. Rumples
Tue Nov 05, 2019 3:24 pm
Forum: Personal Consumer Issues
Topic: Weddings - The good? The bad?
Replies: 47
Views: 4265

Re: Weddings - The good? The bad?

The worst was at a museum, outdoors. They forgot to turn off the sprinkler timer. You can imagine how bad it was with everyone including the bride soaked. So be sure the sprinklers are off if you go that route! I've been to some weddings which have simply been too much. Two bands, 200+ guests, meal ...
by Mr. Rumples
Tue Nov 05, 2019 12:24 pm
Forum: Personal Consumer Issues
Topic: Should I use a lawyer
Replies: 20
Views: 2959

Re: Should I use a lawyer

Exactly. A lawyer might not be needed right away, but its important to keep records and make sure there is a conviction. Many local jurisdictions have victim's rights offices within the DA's office which help ensure there is a trial and the issue isn't just swept under the rug.
by Mr. Rumples
Tue Nov 05, 2019 7:32 am
Forum: Personal Consumer Issues
Topic: Working from home vs in the office
Replies: 22
Views: 1831

Re: Working from home vs in the office

I had the option of just going into the office one or two days a week, but I chose to not work from home. I would be too distracted at home and I felt that the interpersonal relationships with my employees and coworkers and higher ups was important. I also would be able to get a more immediate respo...
by Mr. Rumples
Tue Nov 05, 2019 7:18 am
Forum: Personal Consumer Issues
Topic: Stinky Front Loader (Washer)
Replies: 39
Views: 2291

Re: Stinky Front Loader (Washer)

Found a few links but I am not going to cut and paste since they are preceded by ads. But you can use these terms in the search engine: How to fix a washing machine that smells of mould / rotten eggs How to fix a stinky clothes washer machine I went back to an old fashioned top loader when I needed ...
by Mr. Rumples
Tue Nov 05, 2019 6:38 am
Forum: Personal Consumer Issues
Topic: Airbnb - Guide a beginner
Replies: 64
Views: 6233

Re: Airbnb - Guide a beginner

My nieces use Airbnb and have never had an issue. I know a couple that rents out a granny shack on their property. However, there are risks. When I was on my HOA board, in one case, we changed the access code to the building and the Airbnb customers were locked out. Even when they called the police ...
by Mr. Rumples
Mon Nov 04, 2019 6:28 pm
Forum: Personal Consumer Issues
Topic: Should I use a lawyer
Replies: 20
Views: 2959

Re: Should I use a lawyer

One thing an attorney would do that you may be able to do is to get a copy of the driver's record. In some states you can't do that, for example in VA, but in others, like CO you can. Also, follow-up with the DA to be sure charges are brought. Depending on the criminal procedure manual for the juris...
by Mr. Rumples
Sun Nov 03, 2019 5:57 am
Forum: Personal Finance (Not Investing)
Topic: What to do if HOA hasn't file taxes
Replies: 14
Views: 1159

Re: What to do if HOA hasn't file taxes

There are HOA forums such as HOAtalk and HOALeader which might be helpful. Y'all might just have to bite the bullet and hire someone for one year to do the taxes, clear it up and with that you will have a template to proceed further. Every state is different regarding penalties. In CO, if you don't ...
by Mr. Rumples
Sat Nov 02, 2019 10:43 am
Forum: Personal Investments
Topic: Do You Discount Your Retirement Number In Bull Markets
Replies: 25
Views: 2418

Re: Do You Discount Your Retirement Number In Bull Markets

I'm conservative, perhaps too conservative. I use 7% growth for my portfolio which has a 15 year return of 7.63%; a 10 year return of 10.32% and a five year return of 8.61% (YTD is 16.25%). I use 4% for inflation. I use this calculator and plan on withdrawing 2.5% of my portfolio balance each year (...
by Mr. Rumples
Sat Nov 02, 2019 8:31 am
Forum: Personal Consumer Issues
Topic: Should I Restore this Ethan Allen Furniture Set? (updated w/ before/after pictures)
Replies: 18
Views: 2484

Re: Should I Restore this Ethan Allen Furniture Set?

Its always a balancing act. Some things are just so bad, they need refinishing unless they are rare and even then the value is minimal. My 1820's English pine chest and circa 1860 secretary are still just worth less than $1,000 each even though they are handmade. They just get a bit of paste wax. Th...
by Mr. Rumples
Sat Nov 02, 2019 8:15 am
Forum: Personal Finance (Not Investing)
Topic: Wade Pfau's Safety First Book
Replies: 11
Views: 2014

Re: Wade Pfau's Safety First Book

Goodreads.com has reviews. I guess my concern is that some folks write that it ends up being a sales book for a company. Before I spend money on that, I'll just see the library copy. Maybe the reviews are cattywampus.
by Mr. Rumples
Sat Nov 02, 2019 8:11 am
Forum: Personal Consumer Issues
Topic: Should I Restore this Ethan Allen Furniture Set? (updated w/ before/after pictures)
Replies: 18
Views: 2484

Re: Should I Restore this Ethan Allen Furniture Set?

I would stick with paste wax on a vintage table. Tung oil is a possibility. Try these on spots out of the way. They are easy and easy to remove if necessary. On the other hand, paste wax requires some attention to prevent water rings and so forth. Apply thin coats and buff. If you have a drill, they...
by Mr. Rumples
Sat Nov 02, 2019 5:55 am
Forum: Personal Finance (Not Investing)
Topic: Wade Pfau's Safety First Book
Replies: 11
Views: 2014

Re: Wade Pfau's Safety First Book

I was looking forward to this book, but based on the reviews, I have my doubts. Hence, I am going to ask the local library to get it for me through interlibrary loan when it becomes available. If I see it at Barnes and Noble, I will take a peek.
by Mr. Rumples
Fri Nov 01, 2019 7:12 pm
Forum: Personal Consumer Issues
Topic: Consider the next phase of our travel?
Replies: 37
Views: 2828

Re: Consider the next phase of our travel?

I suppose I ask myself why do I travel. My husband and I traveled to the same places and now that he is deceased, I find myself still doing it for the same reasons: visit family and friends made over the years, and history. This past year I went overseas three times: last Nov. to Scotland for the WW...
by Mr. Rumples
Thu Oct 31, 2019 2:45 am
Forum: Personal Consumer Issues
Topic: Question for Feds re: liability insurance...
Replies: 20
Views: 1219

Re: Question for Feds re: liability insurance...

Most govt. employees, but not all, can be sued as individuals. My spouse and I always carried a personal liability policy, very similar to what teachers carry. We never needed it, but there is nothing to stop a citizen or an employee from starting a nuisance suit. On the other hand, they need to sta...
by Mr. Rumples
Thu Oct 31, 2019 2:40 am
Forum: Personal Consumer Issues
Topic: cousin inherited older house - how to get solid overview of all repairs needed?
Replies: 21
Views: 1730

Re: cousin inherited older house - how to get solid overview of all repairs needed?

Probably true, but its worth be aware of and if its free, there is nothing to lose. In my neighborhood there are three houses that have trees fall on them since 2016. Two came down in storms, the last simply fell over on a hot day during the dry spell this past summer. It fell away from his house bu...
by Mr. Rumples
Wed Oct 30, 2019 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: How do I make more money with my accounting degree?
Replies: 29
Views: 2986

Re: How do I make more money with my accounting degree?

Truck driving is a hard life and hard work. The health risks are immense from stress to sitting all day to lack of sleep to being away from one's family. On the other hand, there are titling services which handle titling, registration, DOT, IFTA, IRP, UCR, HVUT, permits, prepass &c. which truckers ...
by Mr. Rumples
Wed Oct 30, 2019 7:48 pm
Forum: Personal Consumer Issues
Topic: cousin inherited older house - how to get solid overview of all repairs needed?
Replies: 21
Views: 1730

Re: cousin inherited older house - how to get solid overview of all repairs needed?

You mentioned its an older house and later mentioned landscaping. If there are old large trees on the property, have an arborist look at them. Even if they are sound, they might need pruning to ensure large branches don't fall down on the home. At least where I live, many tree companies will come an...
by Mr. Rumples
Wed Oct 30, 2019 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: How do I make more money with my accounting degree?
Replies: 29
Views: 2986

Re: How do I make more money with my accounting degree?

Truck driving is a hard life and hard work. The health risks are immense from stress to sitting all day to lack of sleep to being away from one's family. On the other hand, there are titling services which handle titling, registration, DOT, IFTA, IRP, UCR, HVUT, permits, prepass &c. which truckers h...
by Mr. Rumples
Wed Oct 30, 2019 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Cost to build a house?
Replies: 28
Views: 2794

Re: Cost to build a house?

To echo the above post, there are simply too many variables. There is software available to help. For an overview of cost to build a custom house:

https://home.costhelper.com/build-custom-home.html
by Mr. Rumples
Wed Oct 30, 2019 5:55 am
Forum: Personal Consumer Issues
Topic: Is it normal for a contractor to require 50% payment up front?
Replies: 52
Views: 3699

Re: Is it normal for a contractor to require 50% payment up front?

50% upfront would be unusual in my area. Try negotiating. But, if every good roofing company in your area (and I’m not saying 3 is all your area has) is booked solid for months and is successfully getting 50% at booking, the reality is that you may have to pay that in order to get your roof done by...