Search found 203 matches

by Scrapr
Sun Dec 09, 2018 9:04 pm
Forum: Personal Consumer Issues
Topic: Teeter [inversion table]
Replies: 6
Views: 663

Re: Teeter [inversion table]

Dontwasteit wrote:
Sun Dec 09, 2018 4:35 pm
Scrapr...I believe you forgot to set it to your height. No core strength needed to get back up, just lift your arms. Remember you Must set it to your height.
Probably right. I was just over and looking at it when the neighbor (and Mrs scrapr) said jump on! Neighbor has advancing MS and loves it.
by Scrapr
Sun Dec 09, 2018 3:01 pm
Forum: Personal Consumer Issues
Topic: Teeter [inversion table]
Replies: 6
Views: 663

Re: Teeter [inversion table]

Neighbor got one and invited me to try it. I strap in and go "under".....I couldn't get back up! My core strength is poor. Mrs Scrapr was holding me hostage. Lesson learned. Always carry your phone and have your Phone a Friend handy
by Scrapr
Sat Dec 08, 2018 10:52 pm
Forum: Personal Consumer Issues
Topic: Contractor draws during remodeling project
Replies: 24
Views: 2550

Re: Contractor draws during remodeling project

Personally I would offer to buy the materials directly on behalf of the contract, but not pay the money directly to them in advance. In full disclosure, I work in commercial banking and have twice had contractors misappropriate draws and stick a client with paying for the same thing twice. That is ...
by Scrapr
Tue Dec 04, 2018 8:23 pm
Forum: Personal Consumer Issues
Topic: Is this normal for an HOA?
Replies: 89
Views: 7687

Re: Is this normal for an HOA?

srt7 wrote:
Tue Dec 04, 2018 5:57 pm
What form? You didn't receive any form. :wink:
LOL....yeah....that's the ticket
by Scrapr
Tue Dec 04, 2018 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Why Is Insurance Worth It (Analytically)?
Replies: 89
Views: 4175

Re: Why Is Insurance Worth It (Analytically)?

Always remember that the entire raison d'être of an insurance company is to NOT pay you. To paraphrase the Simpsons' version of Bill Gates, they didn't get rich by writing checks. The purpose of an insurance company is to pool risk, so many people can pay a small premium to cover a large loss when ...
by Scrapr
Mon Dec 03, 2018 10:51 pm
Forum: Personal Finance (Not Investing)
Topic: My Social Security Online question
Replies: 15
Views: 1696

Re: My Social Security Online question

MySSA logon used to give me fits, always a problem. Always saying my pwd was wrong, no matter what. Then lock me out. :x It's been behaving this past year though. me too...not #metoo !!! if I may ask...what did you do to resolve your log in issues? I am afraid I'm going to have to call in. Or was i...
by Scrapr
Fri Nov 30, 2018 12:13 am
Forum: Personal Finance (Not Investing)
Topic: First time home buying questions
Replies: 17
Views: 1994

Re: First time home buying questions

Dear Bogleheads Thank you for all your previous comments reg. the Portland (PDX) area. I wanted to post some update and request your input again. Recently we circled in on a new development and like the house (completed and includes most options we need). I also received pre-qualification by the de...
by Scrapr
Wed Nov 28, 2018 8:32 am
Forum: Personal Consumer Issues
Topic: Electricity bill should be 7% per month of home sq footage.
Replies: 66
Views: 3891

Re: Electricity bill should be 7% per month of home sq footage.

Scrapr - What can be done to insulate those can lights. Just last week I had to replace a bulb in the can light over the kitchen sink and was amazed how much cold air was there. I was reluctant to do anything at the time and concerned about stuffing anything up in there for fear of fire or somethin...
by Scrapr
Tue Nov 27, 2018 10:42 pm
Forum: Personal Consumer Issues
Topic: Electricity bill should be 7% per month of home sq footage.
Replies: 66
Views: 3891

Re: Electricity bill should be 7% per month of home sq footage.

No idea on % of SF of the home. Is that what the insulation guy said? He's making up stuff to sound smart We air sealed our home built in '94. the last straw was I was in a hoodie with the hood up & freezing. Mrs Scrapr opens the natural gas bill and it's yuge. We talked with a remodeler to come in ...
by Scrapr
Sun Nov 25, 2018 8:15 am
Forum: Personal Consumer Issues
Topic: Furnace Filter for Allergy
Replies: 6
Views: 682

Re: Furnace Filter for Allergy

Mrs Scrapr is bothered by pollen quite a bit. We installed an electronic air cleaner on the furnace. Changed the filter 2x's/year. Worked great. If I would forget to change it she would start in getting headaches, etc. Go out & change the filter and all is well. We did the same thing in our current ...
by Scrapr
Fri Nov 23, 2018 10:08 pm
Forum: Investing - Help with Personal Investments
Topic: Question about retirement. Do I build enough cash/investments to draw money from or build investments that earn me money
Replies: 14
Views: 2140

Re: Question about retirement. Do I build enough cash/investments to draw money from or build investments that earn me m

Early to mid retirement savings should be mainly invested for capital growth. Let’s assume you make $50k annually and work for 30 years, saving 10% each year. $5k saved for 30 years is $150k, the market grows on average 6% a year, your money will double every 12 years. You could expect to have afte...
by Scrapr
Fri Nov 23, 2018 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: Question about retirement. Do I build enough cash/investments to draw money from or build investments that earn me money
Replies: 14
Views: 2140

Re: Question about retirement. Do I build enough cash/investments to draw money from or build investments that earn me m

Early to mid retirement savings should be mainly invested for capital growth. Let’s assume you make $50k annually and work for 30 years, saving 10% each year. $5k saved for 30 years is $150k, the market grows on average 6% a year, your money will double every 12 years. You could expect to have afte...
by Scrapr
Thu Nov 22, 2018 1:40 pm
Forum: Personal Consumer Issues
Topic: Looking for a car that can handle a long commute, any suggestions?
Replies: 74
Views: 5113

Re: Looking for a car that can handle a long commute, any suggestions?

I'm thinking a 3-5 year used car with around 30-50k miles. Need something that will hold up in the snow and ice as well. Any suggestions are welcome. If you have a long commute I would not start with 30-50k miles - I think pricing on most models is efficient, with a few exceptions maybe. If the com...
by Scrapr
Wed Nov 21, 2018 9:59 am
Forum: Personal Consumer Issues
Topic: When to buy a new Volvo?
Replies: 16
Views: 1487

Re: When to buy a new Volvo?

yolli71 wrote:
Wed Nov 21, 2018 9:53 am
Thanks for the replies everyone. Regarding CPO, does this mean buying used directly from the Volvo dealership? Or does this mean going to a place like CarMax?
CPO can only be done at the dealer.
by Scrapr
Wed Nov 21, 2018 8:44 am
Forum: Personal Finance (Not Investing)
Topic: How high can House prices go
Replies: 67
Views: 8413

Re: How high can House prices go

I'm reminded of a saying I heard growing up. "Real estate is expensive when you're young and outrageous when you're old." That being said, real estate values (in inflation-adjusted dollars) cannot grow faster than wages over the long-term (though this can happen for a quite a while). If it did, eve...
by Scrapr
Wed Nov 21, 2018 8:08 am
Forum: Personal Consumer Issues
Topic: When to buy a new Volvo?
Replies: 16
Views: 1487

Re: When to buy a new Volvo?

a little out of the box thinking and it may bust your budget. You can go to Sweden to pick up your Volvo. The XC60 is not in the program. But the XC90 is for another year or two. It's called Overseas Delivery. Volvo buys your 2 airline tickets to Sweden. Plus one night in a nice hotel, delivery and...
by Scrapr
Wed Nov 21, 2018 8:01 am
Forum: Personal Finance (Not Investing)
Topic: Expensive car accident | Watching our for insurance
Replies: 16
Views: 2179

Re: Expensive car accident | Watching our for insurance

We have Liberty Mutual for our Business truck insurance. They have been very good to us. No sign of any shortcuts being taken. I agree that they will almost certainly total the car. The issue that might arise on a new car that is on a loan is the payout is less than the loan value. And if no loan th...
by Scrapr
Tue Nov 20, 2018 11:45 pm
Forum: Personal Consumer Issues
Topic: When to buy a new Volvo?
Replies: 16
Views: 1487

Re: When to buy a new Volvo?

a little out of the box thinking and it may bust your budget. You can go to Sweden to pick up your Volvo. The XC60 is not in the program. But the XC90 is for another year or two. It's called Overseas Delivery. Volvo buys your 2 airline tickets to Sweden. Plus one night in a nice hotel, delivery and ...
by Scrapr
Tue Nov 20, 2018 11:26 pm
Forum: Personal Consumer Issues
Topic: Which cars can be unlocked and started from a smart phone?
Replies: 28
Views: 1813

Re: Which cars can be unlocked and started from a smart phone?

Volvos have an app called Volvo on Call. Can remote start, map to find/follow your car, trip summaries, etc. I just used it tonight to find my car in a parking lot. Turned on the parking lights and GTG *typically Volvo is not on the bleeding edge of electronics. And i don't think the system is the m...
by Scrapr
Tue Nov 20, 2018 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Partnership Agreement
Replies: 11
Views: 418

Re: Partnership Agreement

I have been in a couple partnerships. Both ended when one side or the other thought they (me) were doing all the work for an equal split of the money. YMMV But this doesn't sound promising. Do you "like" your potential partner? I rely on my wife to get a good read on people. Maybe go out to dinner a...
by Scrapr
Tue Nov 13, 2018 11:13 am
Forum: Personal Finance (Not Investing)
Topic: How high can House prices go
Replies: 67
Views: 8413

Re: How high can House prices go

Bigger issue with new construction is that the value almost certainly declines in the first 5 years...you are paying a premium for brand-new and getting to specify finishes and all of the upgrades are overpriced for that reason. In my nearly-finished neighborhood in an in-demand suburb north of Atl...
by Scrapr
Mon Nov 12, 2018 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Home addition vs. Buying New
Replies: 43
Views: 2761

Re: Home addition vs. Buying New

Why do you think you need more room? MIL stays over? Lots of house guests? Each kid has their own room. Plus a basement area. You don't have to keep up with the neighbors. If I did anything I might add an indoor/outdoor living area. An extension of the home. A nice affordable house payment is really...
by Scrapr
Fri Nov 09, 2018 11:58 pm
Forum: Personal Consumer Issues
Topic: Career/Life Advice Needed - When to start a business?
Replies: 20
Views: 1457

Re: Career/Life Advice Needed - When to start a business?

Why do you want to build a biz? Honestly, its probably to prove that I can. Today, I work in corporate innovation which means I'm building businesses with the business as well as engaging with start-up companies, and there is this unspoken perception that "true innovators" are entrepreneurs. Corpor...
by Scrapr
Mon Nov 05, 2018 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: Teaching kids there is an ample amount of money
Replies: 108
Views: 8064

Re: Teaching kids there is an ample amount of money

Atilla wrote:
Mon Nov 05, 2018 5:36 pm
Who had the line talking to their children - "Your mother and I are well off. You however don't have a cent."?
Cliff Huxtable....and look how that turned out for him!
by Scrapr
Mon Nov 05, 2018 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: Are we in trouble?
Replies: 106
Views: 12881

Re: Are we in trouble?

re: Chicago home. Find a Realtor that has some chops. This one doesn't. An old trick in RE when the market slows is to throw in an upgrade or other spiff. In new construction that might be...Close before 12/31 and get a free fence package with back yard landscaping. The builder is giving a fixed pri...
by Scrapr
Sun Nov 04, 2018 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: Bond prices drop but their yields go up??
Replies: 22
Views: 2668

Re: Bond prices drop but their yields go up??

Let me ask this. I understand individual bonds go up & down in value with interest rates. Now bond funds do not have a fixed end date. The bond fund owns lots of bonds I look at my Vanguard Total Bond Fund and see it has gone down approx 10% in value. Balanced by the increase in dividends. Is the 1...
by Scrapr
Sun Nov 04, 2018 11:51 am
Forum: Investing - Help with Personal Investments
Topic: Bond prices drop but their yields go up??
Replies: 22
Views: 2668

Re: Bond prices drop but their yields go up??

Let me ask this. I understand individual bonds go up & down in value with interest rates. Now bond funds do not have a fixed end date. The bond fund owns lots of bonds I look at my Vanguard Total Bond Fund and see it has gone down approx 10% in value. Balanced by the increase in dividends. Is the 10...
by Scrapr
Sat Nov 03, 2018 10:03 am
Forum: Personal Consumer Issues
Topic: Time to splurge. MB E class, BMW 5 or Audi 6?
Replies: 70
Views: 6042

Re: Time to splurge. MB E class, BMW 5 or Audi 6?

Time for a new car and have decided to splurge a little in our old age. We currently have a BMW series 3 with 110K miles and like it a lot. May even be doing European Delivery. Your take on 2019 MB E Class or BMW Series 5 or Audi 6?Just doing research now and will buy some time after the New Year. ...
by Scrapr
Thu Nov 01, 2018 9:34 pm
Forum: Personal Consumer Issues
Topic: Can Verizon waive inadvertent international data charges?
Replies: 10
Views: 872

Re: Can Verizon waive inadvertent international data charges?

We called verizon and they reduced the $150 fee to $5. Apparently iphones have some setting that tells it to automatically switch to the most powerful network. So that must have got triggered somehow. Can you explain where $150 came from? It makes no sense. How did $150 charges got added in matter ...
by Scrapr
Thu Nov 01, 2018 7:55 am
Forum: Personal Consumer Issues
Topic: Anybody use CenturyLink for internet service?
Replies: 25
Views: 1679

Re: Anybody use CenturyLink for internet service?

TravelGeek wrote:
Thu Nov 01, 2018 12:03 am
Nestegg_User wrote:
Wed Oct 31, 2018 11:22 pm

{hmmm, rest of country thinking what’s up with those central oregon BH’s ?.... :beer ..}
Time to start a local chapter? ;)
and quit boring the BH community with tales of outdoor adventures and beer and dogs and Subarus

:mrgreen: :mrgreen:
by Scrapr
Wed Oct 31, 2018 10:00 pm
Forum: Personal Consumer Issues
Topic: Anybody use CenturyLink for internet service?
Replies: 25
Views: 1679

Re: Anybody use CenturyLink for internet service?

Looks like I'm late to the advice game. I'm in Bend and use CL. We previously were with Bend Broadband. We had terrible luck trying to stop/start service. Every new start was a brand new service. And we lost some specials that they promised we could keep. BB also overloads some nodes. So service dro...
by Scrapr
Sun Oct 28, 2018 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: First time home buyer ... help ! [with mortgage choices]
Replies: 15
Views: 1525

Re: First time home buyer ... help ! [financing new construction]

we did a construction to perm loan 25 years ago when we built our home. One closing. So didn't double up on loan fees and such. Very very easy
by Scrapr
Thu Oct 25, 2018 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: Making a substantial gift to a college
Replies: 27
Views: 2099

Re: Making a substantial gift to a college

We were wooed several years ago. Lots of ego stroking. The development guy was taking me to lunch, meet w/the Dean. They were funding a New building. I committed to a multi year gift. Paid up. Then the Dean retired. My development guy moved to another college. And nobody else has reached out in a pe...
by Scrapr
Sun Oct 21, 2018 5:26 pm
Forum: Personal Consumer Issues
Topic: When do you need a hearing aid
Replies: 50
Views: 3471

Re: When do you need a hearing aid

As a result of reading this thread, I made an appointment w/Costco, 2 weeks from now. I also made the home remedy for earwax, though I did not think that was a problem. I had my ears checked a few years ago, and I wasn't aware of much change in hearing since then, and wax was not a problem then. Th...
by Scrapr
Fri Oct 19, 2018 10:07 pm
Forum: Investing - Help with Personal Investments
Topic: Met with an FA today.
Replies: 12
Views: 2639

Re: Met with an FA today.

I assumed he meant annuities but he states that is not what they recommend unless customer insists. They recommend something called a MYGA , multi-year guaranteed annuity (never heard of them) in 3, 5 , or 7 year levels with guaranteed 2.75,3.5, 4.0 interest respectively. Index annuities was anothe...
by Scrapr
Fri Oct 19, 2018 7:47 am
Forum: Personal Consumer Issues
Topic: Replace roof or wait .... and
Replies: 14
Views: 957

Re: Replace roof or wait .... and

I have no opinion on your material on the roof. Just an observation that buyers can't see what the house "would" look like with their own changes. They see the house as it is and project their own stuff in it. Plus they will want the cost +++ to deal with the hassle House next door has been for sale...
by Scrapr
Thu Oct 18, 2018 9:05 pm
Forum: Personal Consumer Issues
Topic: Tip Furniture Delivery?
Replies: 12
Views: 1159

Re: Tip Furniture Delivery?

i borrowed a van & picked up a sofa recliner. Then drove it 3 hours to our home. Warehouse guys got it in the van. But i could not get it out & in the house & then into the room. So I went across the street and offered a couple landscapers $100 to get it into the room. They were delighted for about ...
by Scrapr
Wed Oct 17, 2018 3:20 pm
Forum: Investing - Help with Personal Investments
Topic: advice on first home
Replies: 28
Views: 1774

Re: advice on first home

FWIW...housing prices tend to fall, not increase when interest rates rise. Now they may nominally increase but maybe not as fast as they might have.

you're RE agent is either inexperienced or pushing product.
by Scrapr
Mon Oct 15, 2018 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 396
Views: 36594

Re: free dinner investing seminar

I am not declaring this on my 1040 :moneybag :sharebeer Why not? You seem to understand that this is "income". de minimis. Should be declared if >$600/yr. I "should" declare my bottle deposit money too. I make more per year by picking up cans than this represents. Birthday gift money? Nope I don't ...
by Scrapr
Sun Oct 14, 2018 4:39 pm
Forum: Personal Consumer Issues
Topic: How Much Is Your Sewer Bill?
Replies: 78
Views: 4151

Re: How Much Is Your Sewer Bill?

My last one was $91.48 A MONTH. The sewer district in metro Cincinnati is spending $2 BILLION with a B dollars to address combined sewer overflows. Combined sewers, where waste and storm run-off all go into the same sewer was a fine idea when we just dumped raw sewage into the Ohio River but now it...
by Scrapr
Sun Oct 14, 2018 10:43 am
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 396
Views: 36594

Re: free dinner investing seminar

I've got a new gig. Focus Groups! Went to one this morning. Walked out with $150 cashola in my pocket. I've been on several lists but have not been selected or been otherwise engaged for a year or so. This was an hour and a half with snacks provided. This was questions about our city & growth issue...
by Scrapr
Sun Oct 14, 2018 12:42 am
Forum: Personal Consumer Issues
Topic: Pacific Northwest trip
Replies: 39
Views: 3083

Re: Pacific Northwest trip

Portland > Dundee area (Wineries) > Gleneden Beach (Salishan Golf Resort) > Pacific City (Haystack Rock) > Tillamook (Cheese Factory) > Portland Portland > Columbia River Gorge (Multnomah Falls) > Bonneville Dam (Salmon Ladder) > Hood River (Wind surfing) > Timberline Lodge > Portland you had me at...
by Scrapr
Sun Oct 14, 2018 12:39 am
Forum: Personal Consumer Issues
Topic: Pacific Northwest trip
Replies: 39
Views: 3083

Re: Pacific Northwest trip

Steer clear of Portland as the crazies seem to have taken over downtown. I'm not sure what you are talking about. My youngest daughter who is 11 likes doing long urban walks for exercise as opposed to hiking or biking which my other daughter and wife prefer. So about once a week I drive in with her...
by Scrapr
Sat Oct 13, 2018 11:55 pm
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 396
Views: 36594

Re: free dinner investing seminar

I've got a new gig. Focus Groups! Went to one this morning. Walked out with $150 cashola in my pocket. I've been on several lists but have not been selected or been otherwise engaged for a year or so. This was an hour and a half with snacks provided. This was questions about our city & growth issues...
by Scrapr
Fri Oct 12, 2018 10:46 pm
Forum: Personal Consumer Issues
Topic: Water Coming from Ceiling...plumber or AC?
Replies: 7
Views: 792

Re: Water Coming from Ceiling...plumber or AC?

Give me his number. It took me two days to get a plumber to my place, then three more days to come back to complete the work. :D :oops: He was at my house twenty minutes after I called him...on a Friday night! He has located the leak inside a wall upstairs. I'll send him to your house when he's don...
by Scrapr
Thu Oct 11, 2018 11:05 pm
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 396
Views: 36594

Re: free dinner investing seminar

At the end when he was issuing his altar call free consultation invite, he actually suggested that there are three types of people who should probably not schedule a meeting. I can't remember the third, but I was two of them. "If you just looked at the invite and thought you would like to get a fre...
by Scrapr
Thu Oct 11, 2018 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: Home Purchase - Sellers Request Help with Repairs
Replies: 69
Views: 3236

Re: Home Purchase - Sellers Request Help with Repairs

As watty said I would kick in half and ask the seller agent for the balance. I also would ask lots of questions on the quality of the install/rebuild of the yard. I suspect the seller agent knew this might poop up :P Knowing this was a flip/demo/rebuild I might have a inspector for ea individual sys...
by Scrapr
Wed Oct 03, 2018 7:20 am
Forum: Personal Consumer Issues
Topic: Water Leak During New Home Construction
Replies: 40
Views: 2519

Re: Water Leak During New Home Construction

be glad it didn't happen 1 month after you moved in. Builder is taking care of it. Will be fine

* had 2 leaks from upstairs toilet into kitchen below over 23 years
by Scrapr
Tue Oct 02, 2018 11:12 pm
Forum: Personal Consumer Issues
Topic: Need Good Ankle Brace for Golfing - Recommendations Please!
Replies: 10
Views: 580

Re: Need Good Ankle Brace for Golfing - Recommendations Please!

I need to read slower/better

I'm sure that header said ankle bracelet.

I'm like...go see the Sheriff?