Search found 229 matches

by goaties
Fri Jun 22, 2018 12:43 pm
Forum: Personal Consumer Issues
Topic: Outdoor Wooden Steps Repair?
Replies: 19
Views: 1056

Re: Outdoor Wooden Steps Repair?

Maybe Gorilla Glue will be my new Plan B, thank you! Re coating the underside - this is a front walk deck, and it's about 6 inches off the ground. Is there any need to stain the underside if it's not visible? Well, the "stain" I used was actually stain plus sealer in one (Olympic Maximum). I like t...
by goaties
Thu Jun 21, 2018 4:00 pm
Forum: Personal Consumer Issues
Topic: Outdoor Wooden Steps Repair?
Replies: 19
Views: 1056

Re: Outdoor Wooden Steps Repair?

I did this exact same job last year. I even got special "exterior" wood putty (Elmers, I think). After just a few months, most of it had flaked out of the gouges I had filled with it. This year, I decided to try some Gorilla Glue. No, really. I had some left over from another project and I figured "...
by goaties
Wed May 23, 2018 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Buy this home?
Replies: 39
Views: 4092

Re: Buy this home?

This may be really gauche, but if your parents and inlaws are part of the reason you are looking for a bigger house, mightn't you ask them to pony up some "rent" for those 2 to 4 months they are staying with you? You could apply it to the principal of the mortgage. Might help you sleep better.
by goaties
Sun May 06, 2018 11:12 am
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 175
Views: 16554

Re: most compelling TV character ever

Jane Tennison - Prime Suspect (played by Helen Mirren) I still can't forget some of the scenes from that show.
by goaties
Tue Apr 24, 2018 9:26 am
Forum: Personal Consumer Issues
Topic: Kitchen features
Replies: 108
Views: 7980

Re: Kitchen features

I have a tiny kitchen too, but it is completely adequate because the counters are in a U-formation with the stove at the bottom of the U, sink on one side, fridge at one end of the U. I use a tiny stepstool to reach the top shelves. The potentially "lost" space at the U's corners is saved by having ...
by goaties
Wed Apr 11, 2018 7:02 am
Forum: Personal Finance (Not Investing)
Topic: Owners Title Insurance - Super Heavy Handed Pitch
Replies: 101
Views: 6238

Re: Owners Title Insurance - Super Heavy Handed Pitch

50 years? Pffffft, what a clown. I would dump this guy and get a "real" lawyer. Unfortunately, that seems to be the norm these days. To me, real estate lawyers are merely insurance agents for the title insurance companies. They do a perfunctory title search then cover their asses by making you pay ...
by goaties
Tue Apr 10, 2018 7:55 am
Forum: Investing - Theory, News & General
Topic: How Often Do Stocks & Bonds Suffer Concurrent Losses?
Replies: 31
Views: 3052

Re: How Often Do Stocks & Bonds Suffer Concurrent Losses?

Would it be possible to compare against a larger bond universe than just 10-year Treasuries? You;re comparing 500 (non-government) stocks versus one (government) bond. Corporate bond funds pay higher rates than Treasuries and lack the "full faith and credit" guarantee, just like stocks. This is an i...
by goaties
Mon Apr 02, 2018 4:31 pm
Forum: Personal Consumer Issues
Topic: Replacing a deck
Replies: 14
Views: 2063

Re: Replacing a deck

I too have a failing deck and am considering tearing it off and replacing with a patio. It would be cheaper, I could do a lot of the grunt work myself, and no worries about footers sinking--although I suppose another can of worms will open of which I am not yet aware! No matter what you decide to do...
by goaties
Sun Apr 01, 2018 5:16 am
Forum: Personal Finance (Not Investing)
Topic: Liability for 32 year old step son living home
Replies: 79
Views: 8667

Re: Liability for 32 year old step son living home

what's his reason for not getting "free" health insurance? He won't give us a reason for not applying for the free insurance, be my wife and I think that he is afraid of all the questions they will ask him about why he hasn't bee working for so long. I've looked at a Medicaid application: unlike Ma...
by goaties
Sun Apr 01, 2018 4:45 am
Forum: Personal Finance (Not Investing)
Topic: Car totalled, not-at-fault - use my insurance or theirs? What leverage do I have for negotiating?
Replies: 35
Views: 3426

Re: Car totalled, not-at-fault - use my insurance or theirs? What leverage do I have for negotiating?

I've been around the horn a couple times with this myself, but my experience is from 20 and 15 years ago, so things may have changed. In both cases, my State Farm agent advised me strongly that, should I get a phone call from the other guy's insurance company or an unfamiliar lawyer, to say nothing,...
by goaties
Fri Mar 30, 2018 12:39 pm
Forum: Personal Consumer Issues
Topic: Duffel >62 linear inches but won't be full...oversize fee?
Replies: 11
Views: 1021

Re: Duffel >62 linear inches but won't be full...oversize fee?

I've done this a number of times on different airlines -- never any issues, as when the bag is less than full it is under the size constraints. I do recommend a couple of compression straps, this will not only make your bag smaller, but also protect the contents from shifting a lot in a half empty ...
by goaties
Wed Mar 28, 2018 6:37 pm
Forum: Personal Consumer Issues
Topic: Duffel >62 linear inches but won't be full...oversize fee?
Replies: 11
Views: 1021

Re: Duffel >62 linear inches but won't be full...oversize fee?

stlutz wrote:
Wed Mar 28, 2018 6:29 pm
What airline are you flying? Some are much more aggressive at going after extra fee income than others.
Alaska airlines.
by goaties
Wed Mar 28, 2018 6:00 pm
Forum: Personal Consumer Issues
Topic: Duffel >62 linear inches but won't be full...oversize fee?
Replies: 11
Views: 1021

Duffel >62 linear inches but won't be full...oversize fee?

I haven't traveled by plane in quite a while and after reading Boglehead posts on the subject of checked bags, I realized I might have a problem. Because I'll be traveling with lots of camping gear, I'm going to be checking a beloved rolling duffel which, if it were full, would certainly exceed the ...
by goaties
Sun Mar 25, 2018 8:39 am
Forum: Personal Consumer Issues
Topic: Big time home inspection issues
Replies: 44
Views: 5323

Re: Big time home inspection issues

Yes, I agree with others. Run from this house unless you are a contractor. I have owned several dumps in my lifetime and, for every problem your inspector encountered (a "her"! wonderful!), there will be two or three other problems she didn't find. That's how it works with old houses. Unless you wan...
by goaties
Thu Mar 22, 2018 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Lost my wallet few days back. Someone trying to hack me today. What to do?
Replies: 10
Views: 2024

Re: Lost my wallet few days back. Someone trying to hack me today. What to do?

[quote=RL1013 post_id=3842098 time=1521739266 user_id=132590 I might have some handwritten notes in there with my email id. Financial institutions send a one-time security code to email or phone when a new device tries to access the account. I am guessing the thief is trying to get access to my emai...
by goaties
Thu Mar 22, 2018 6:55 am
Forum: Personal Finance (Not Investing)
Topic: Cancelled car insurance before leaving on extended trip, now premiums tripled
Replies: 13
Views: 2900

Re: Cancelled car insurance before leaving on extended trip, now premiums tripled

This might be one time where consulting an independent insurance agent would help. They have a line on minor insurance companies you may not have heard of, can probably save you a lot of time, and might even find you better rates. It's worth a try. They don't charge you anything (Last I knew. I'm su...
by goaties
Thu Mar 22, 2018 6:26 am
Forum: Personal Finance (Not Investing)
Topic: Lost my wallet few days back. Someone trying to hack me today. What to do?
Replies: 10
Views: 2024

Re: Lost my wallet few days back. Someone trying to hack me today. What to do?

I know how this feels. Your stomach kinda drops out. Here's the best thread I found on this forum about what to do:

viewtopic.php?t=228799
by goaties
Sun Mar 18, 2018 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Impact of oldest credit card being cancelled
Replies: 14
Views: 1244

Re: Impact of oldest credit card being cancelled

Must be the season for Capital One to be doing this as I too just received a letter letting me know that ONE MONTH AGO they cancelled my unused card. Why the delay in notification? Maybe they were hoping I would use it one last time. Anyway, it dropped my total available credit by 21%. That's probab...
by goaties
Thu Mar 15, 2018 6:46 am
Forum: Personal Finance (Not Investing)
Topic: How can I provide rental references as a longtime homeowner?
Replies: 17
Views: 1868

Re: How can I provide rental references as a longtime homeowner?

Last year I rented to a person who had been a homeowner for the last decade or so. As long as the person's story checks out (i.e., why are they renting instead of buying) and their credit/income is good, I see being a homeowner as a positive because it means the people are used to taking care of a ...
by goaties
Thu Mar 15, 2018 6:42 am
Forum: Personal Finance (Not Investing)
Topic: Planned Roth conversions might not make sense with state taxes
Replies: 4
Views: 502

Re: Planned Roth conversions might not make sense with state taxes

I've had to do these planning maneuvers too. I've found the only way to get it right is to just go to the new state's tax website, download the tax forms/instructions, and pretend to do next year's taxes with a number of different scenarios.
by goaties
Fri Mar 09, 2018 6:48 am
Forum: Personal Finance (Not Investing)
Topic: How can I provide rental references as a longtime homeowner?
Replies: 17
Views: 1868

Re: How can I provide rental references as a longtime homeowner?

DH and I owned a four unit rental for seven years. We were more concerned with outstanding judgements and ontime payments to things like utility companies, cable, cell phone, etc. I never rented to anyone that owed a utility company a back payment or had been evicted or sued for back rent. As long ...
by goaties
Fri Mar 09, 2018 6:29 am
Forum: Personal Finance (Not Investing)
Topic: How can I provide rental references as a longtime homeowner?
Replies: 17
Views: 1868

How can I provide rental references as a longtime homeowner?

I am considering becoming a renter for a year. All the landlords require "rental references". I haven't rented since 1992. I also don't have a mortgage or any loans outstanding. I have an 800 credit rating. Will I have trouble renting? What can I provide for a "reference"? I am retired, so there's n...
by goaties
Thu Mar 08, 2018 8:29 am
Forum: Personal Consumer Issues
Topic: Replacing vanities?
Replies: 21
Views: 1953

Re: Replacing vanities?

I recently faced this same question and also realized that replacing the vanity was opening a big can of worms. After cleaning the vanity (which hadn't been done in ....ahem, a LONG time), I realized that it was mainly the hideously stained fake marble top that needed replacement. I could live with ...
by goaties
Mon Mar 05, 2018 5:00 pm
Forum: Personal Consumer Issues
Topic: Converting old home to open plan layout?
Replies: 45
Views: 4151

Re: Converting old home to open plan layout?

I absolutely hate open floor plans. Every single modern house as them and I strongly dislike. I do want some openness and would prefer for the doors between some rooms to be of double size (or have no doors) such as the space between kitchen and living room, etc. A kitchen should NEVER have a bar. ...
by goaties
Mon Mar 05, 2018 8:09 am
Forum: Personal Consumer Issues
Topic: Cell phone service & phone recommendation for seniors
Replies: 10
Views: 873

Re: Cell phone service & phone recommendation for seniors

go to www.freedompop.com and get yourself a $19 cell phone and sign up - you can get $0 monthly cell for 200 minutes and 5G of data if you don't use telephone a lot - this is the way to go This looks really interesting. Thanks for posting. To the OP: check the coverage map to make sure it's going t...
by goaties
Mon Mar 05, 2018 7:28 am
Forum: Personal Consumer Issues
Topic: Dehumidifier for humid basement. I want one that lasts.
Replies: 37
Views: 8875

Re: Dehumidifier for humid basement. I want one that lasts.

Mine's AD40G1. Sounds like it's from the same generation. I wonder if they'd like to meet? :D I thought once of replacing it for one that *doesn't* sound like a jet engine, but then I read threads like this and I remember why I don't. I have an old Whirlpool which I have been using in the bathroom (...
by goaties
Mon Mar 05, 2018 7:09 am
Forum: Personal Consumer Issues
Topic: Cell phone service & phone recommendation for seniors
Replies: 10
Views: 873

Re: Cell phone service & phone recommendation for seniors

I've owned a Tracfone smartphone for several years now and use it just in the way you do. I'm looking at the Tracfone webpage and see that they have a Samsung Galaxy Sky for 50.00 which would probably be overkill for you. That phone is pretty close to the Samsung I bought from them. Their smartphone...
by goaties
Sat Mar 03, 2018 7:23 am
Forum: Personal Consumer Issues
Topic: Furnace / AC Price Options
Replies: 11
Views: 1300

Re: Furnace / AC Price Options

I have a 1999 Trane heatpump that runs like a ....., well, you know. No repairs needed in the 10 years I have lived with it. Held my breath during unusually frigid cold spell in January when it was actually below zero here. Poor thing ran constantly, but no breakdowns! Of course, today's Tranes may ...
by goaties
Fri Mar 02, 2018 11:43 pm
Forum: Personal Consumer Issues
Topic: 2016 Sienna - 57k miles - any downside to buying?
Replies: 29
Views: 3100

Re: 2016 Sienna - 57k miles - any downside to buying?

S Siennas built after 2006 (V6 engine) have a timing chain, thankfully. Example - 2016 vehicle at 60k miles may need a timing belt(assumption) replacement necessary at 100K so expect to pay for it in 2-3 years 2018 vehicle at 0k miles may need a timing belt(assumption) replacement necessary at 100K ...
by goaties
Tue Feb 13, 2018 9:56 am
Forum: Personal Consumer Issues
Topic: Are Password Managers Really Necessary?
Replies: 129
Views: 8336

Re: Are Password Managers Really Necessary?

Use of a password manager helps me keep from becoming low-hanging fruit. With it, I create lengthy nonsensical passwords AND unique logins AND unique answers to security questions for every account. The whole shebang. For instance, I am "goaties" on absolutely no other website anywhere. This might h...
by goaties
Tue Feb 13, 2018 9:07 am
Forum: Personal Consumer Issues
Topic: Question for music experts about musical keys
Replies: 102
Views: 6721

Re: Question for music experts about musical keys

It might matter to someone with perfect pitch. I've known exactly one person with this (dis)ability. They actually found it annoying and sometimes confusing when things were casually transposed to another key. Most of us cannot tell the difference whether something is in G or F just by listening. Sh...
by goaties
Thu Feb 01, 2018 10:23 am
Forum: Personal Consumer Issues
Topic: Alaska rental car - what is the real risk with unpaved roads?
Replies: 36
Views: 2624

Re: Alaska rental car - what is the real risk with unpaved roads?

What specifically does the rental agreement say? Does it provide fines or penalties if they find you've driven on unpaved roads? No, there's nothing about fines. I think a problem might arise should you return the car with some kind of damage. At that point, the rental company (or Amex, who will be...
by goaties
Thu Feb 01, 2018 9:29 am
Forum: Personal Consumer Issues
Topic: Alaska rental car - what is the real risk with unpaved roads?
Replies: 36
Views: 2624

Alaska rental car - what is the real risk with unpaved roads?

I'm planning The Big Trip to Alaska this fall, and I will be renting a car with the usual "no unpaved roads" disclaimer. I need to drive 14 miles on the unpaved section of the Denali national park road in order to get to Teklanika campground. My concern is the GPS locators which rental companies are...
by goaties
Wed Sep 13, 2017 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Name Change as a way to Protect Against Identity Theft
Replies: 16
Views: 1866

Re: Name Change as a way to Protect Against Identity Theft

I suggested, on a thread yesterday, putting assets into a trust with a tax ID number. That seems like a way of protecting bank accounts better. We need to get away from social security numbers, have two-factor authentication everywhere, and other such steps. Ah, now that's the kind of thinking I wa...
by goaties
Wed Sep 13, 2017 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Name Change as a way to Protect Against Identity Theft
Replies: 16
Views: 1866

Re: Name Change as a way to Protect Against Identity Theft

rkhusky wrote:
Wed Sep 13, 2017 9:06 am
Frankly, I think it would be better if companies stop relying on a SS number and name to extend credit. If there are enough back charges, I expect that will eventually happen.
Agreed. The current system was never "designed". But what can we do to take the power back, ourselves?
by goaties
Wed Sep 13, 2017 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Name Change as a way to Protect Against Identity Theft
Replies: 16
Views: 1866

Name Change as a way to Protect Against Identity Theft

Since it's fairly obvious that nothing can/will be done to protect us against this endless stream of breaches and hackings of our personal info, I've begun to wonder if there are actions we can take to protect ourselves. These may be difficult to implement, but for those who have trouble sleeping at...
by goaties
Thu Mar 09, 2017 6:03 am
Forum: Investing - Theory, News & General
Topic: Does anyone own gold?
Replies: 117
Views: 14088

Re: Does anyone own gold?

For those so concerned, gold might be an essential element (pun! ha ha!) in one's "go bag". Should life in this country become untenable, it is possible to smuggle it into the chosen safe haven. However, selling it once you get there might not be easy and you might not get anything near its current ...
by goaties
Wed Feb 15, 2017 11:31 am
Forum: Personal Consumer Issues
Topic: How do you handle switching your handbag?
Replies: 62
Views: 5448

Re: How do you handle switching your handbag?

I don't switch. Been using the same one for the last 8 or 9 years. It's getting pretty sad looking, but I have not found anything else I like. Ah, yes! I am middle-aged and am on my third handbag. Took me three years to find one the right (small) size and while I was looking, I stitched up a tempor...
by goaties
Fri Feb 10, 2017 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: Sallie Mae Rewards MC being discontinued
Replies: 154
Views: 21581

Re: Sallie Mae Rewards MC being discontinued

lakpr wrote:The minimum redemption amount on the new card is only $10.00. So when the rewards transfer over to the new card after March 1, one need not make additional purchases to bring up the rewards amount to $25. One can immediately cash out
Where did you read that?
by goaties
Fri Dec 09, 2016 7:20 am
Forum: Personal Finance (Not Investing)
Topic: Where to move to for lowest health care costs (for nomad types)
Replies: 34
Views: 3812

Re: Where to move to for lowest health care costs (for nomad types)

You could do what I've been doing for the past couple weeks: use the healthcare.gov website to see what rates are like for policies in other states. Once the Dec 15 deadline passes, I'm not sure how accessible it will be, but right now is a golden opportunity. Just don't log in! That's likely to mak...
by goaties
Fri Dec 09, 2016 7:01 am
Forum: Investing - Help with Personal Investments
Topic: HSA - is keeping 40 years of medical records practical?
Replies: 157
Views: 19095

Re: HSA - is keeping 40 years of medical records practical?

But, if you intend to use the HSA monies for *medical* expenses in the future, you don't need to keep any receipts now, right? You'd just need to document the spending at the time it occurs...even if it's 40 years from now. Plans are afoot to drastically change Medicare, so I think we can pretty muc...
by goaties
Tue Apr 05, 2016 7:20 am
Forum: Personal Finance (Not Investing)
Topic: starter home vs. final home
Replies: 37
Views: 4960

Re: starter home vs. final home

a) Is the mortgage interest deduction only for first time home buyers? Would upgrading to a nicer home after 5-10 years be disastrous from a tax perspective? b) Is buying a starter home an home efficient way to build up enough wealth to buy my dream home compared to wasting money on rent. Will the ...
by goaties
Tue Apr 05, 2016 6:52 am
Forum: Personal Consumer Issues
Topic: Filtered Water?
Replies: 27
Views: 2405

Re: Filtered Water?

Another vote here for the Berkey filter. Sounds like the OP is on city water, so perhaps Berkey would be overkill, but the "black" filters are chunks of activated carbon which will do a bangup job of removing chlorine. The filters are rated to last 3000 gallons each. We have silty well water and the...
by goaties
Sun Mar 27, 2016 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Account aggregator which does NOT store your info "out there"?
Replies: 11
Views: 1003

Re: Account aggregator which does NOT store your info "out there"?

Clearly, as in all things, knowing the right lingo is key. I realize now I don't want an "account aggregator"--I want a fraud detector. I don't think anything exists as I envision it, but I can probably make-do with some existing tools...once I find them. I'm looking at KeeFox right now. This might ...
by goaties
Sun Mar 27, 2016 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Account aggregator which does NOT store your info "out there"?
Replies: 11
Views: 1003

Re: Account aggregator which does NOT store your info "out there"?

All great ideas...except that I'm monitoring accounts for fraudulent withdrawal. I've set account alerts up the wazoo, but one tester alert took two days(!) and some banks/investment houses don't even offer very useful alerts. (Vanguard has good ones,though :) ) I'm now investigating beefier passwor...
by goaties
Sun Mar 27, 2016 7:46 am
Forum: Personal Finance (Not Investing)
Topic: Account aggregator which does NOT store your info "out there"?
Replies: 11
Views: 1003

Re: Account aggregator which does NOT store your info "out there"?

This version of Quicken I've purchased seems to offer three types of online data acquisition: "Express Web Connect" (stores login info on Intuit's servers), "Direct Connect" (also stores login info), and "Web Connect" which doesn't store info but doesn't do much for you either...allows you to downlo...
by goaties
Sun Mar 27, 2016 6:24 am
Forum: Personal Finance (Not Investing)
Topic: Account aggregator which does NOT store your info "out there"?
Replies: 11
Views: 1003

Re: Account aggregator which does NOT store your info "out there"?

Well, I just bought Quicken starter edition 2014, but that doesn't do the trick either. Instead it wants me to create an Intuit account wherein it will store passwords and other (unspecified) info. And that seems to be the only route for using their one-click updates, which is what I want. I think I...
by goaties
Sun Mar 27, 2016 5:35 am
Forum: Personal Finance (Not Investing)
Topic: Account aggregator which does NOT store your info "out there"?
Replies: 11
Views: 1003

Account aggregator which does NOT store your info "out there"?

I've spent several days on this and have found nothing, so I thought I would turn to the Bogleheads. I'm looking for a way to just check balances on all my accounts (savings and investment). I do not want to have my passwords and logins saved in the cloud (Mint, Quicken, etc.). I want a simple scrip...
by goaties
Sun Mar 20, 2016 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: Any experience w/ Ally CHECKING account?
Replies: 40
Views: 4725

Re: Any experience w/ Ally CHECKING account?

Don't you occasionally need a cashier's check (say, for buying a car)? Unless there's some modern equivalent for that (which, being an old fogey, I don't know about), I would want at least one brick-and-mortar nearby where I could get one of those quickly.
by goaties
Mon May 11, 2015 4:27 am
Forum: Investing - Help with Personal Investments
Topic: Gold bars buying advise
Replies: 43
Views: 6975

Re: Gold bars buying advise

I have both bought and sold from golddealer.com (California Numismatic Investments) with no problems. I hold a small amount of physical gold, but bought it back when it was $400 per ounce. I would not buy it at its current price.