Search found 110 matches

by Scrapr
Sun Jul 15, 2018 10:20 am
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 345
Views: 32141

Re: What is/ was your career and would you recommend it now?

I am surprised that there are not more business owners on this forum/ thread so far Here you go. I'm one. After the recession of '81-82 there was no more new home building. I had built one home and got out with my shirt still intact, But nobody was lending so time to get out. Drove truck (local mos...
by Scrapr
Fri Jul 13, 2018 8:13 pm
Forum: Personal Consumer Issues
Topic: When does frugal cross the line to cheapskate?
Replies: 136
Views: 9431

Re: When does frugal cross the line to cheapskate?

I collect deposit cans & bottles on my morning & afternoon dog walks. Always take a look at the trash cans in the park. Also check the bins for glass & cans on garbage recycle day. Cheap? Or Frugal? Most cities generate revenue from recycling cans and other items and use that to help fund the recyc...
by Scrapr
Fri Jul 13, 2018 2:36 pm
Forum: Personal Consumer Issues
Topic: When does frugal cross the line to cheapskate?
Replies: 136
Views: 9431

Re: When does frugal cross the line to cheapskate?

If you are washing paper plates to re-use, you might be a cheapskate! My MIL uses plastic forks & knives. Then pops them in the dishwasher. I collect deposit cans & bottles on my morning & afternoon dog walks. Always take a look at the trash cans in the park. Also check the bins for glass & cans on...
by Scrapr
Fri Jul 13, 2018 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Denied for an auto loan 2 weeks after purchase??
Replies: 38
Views: 4342

Re: Denied for an auto loan 2 weeks after purchase??

I have heard dealers use this as a ploy to bump the interest rate. Get you into the car for a few days and you "love it". Then come back with the denial and change the terms. As iridium says the loan is first with the dealer. If they can bump the rate maybe the spread between the dealer & the bank i...
by Scrapr
Fri Jul 13, 2018 12:09 am
Forum: Investing - Help with Personal Investments
Topic: Investing for my homeowner's association
Replies: 31
Views: 1543

Re: Investing for my homeowner's association

Vanguard MM is over 2% 7 day yield. You would capture the upside as rates move higher
by Scrapr
Thu Jul 12, 2018 2:34 pm
Forum: Personal Consumer Issues
Topic: Costco Membership
Replies: 53
Views: 5878

Re: Costco Membership

zennioptical.com especially if he breaks them a lot, they are cheap and give you good deals like 50 percent off if you buy 2 at a time This is great. I love zenni. They used to have $9 glasses. I'm sure the prices are a bit higher now. Go take a look. also I "think" the Costco optical is a contract...
by Scrapr
Mon Jul 09, 2018 8:55 am
Forum: Investing - Help with Personal Investments
Topic: Financial adviser in Portland metro area
Replies: 11
Views: 1042

Re: Financial adviser in Portland metro area

We used Shawn Koch in sellwood a few years ago. she is in the Garrett network. Fee only. Will be going back probably next year.

Edit: Looks like Shawn is closed to new clients. Sorry about that
by Scrapr
Fri Jul 06, 2018 11:49 pm
Forum: Personal Consumer Issues
Topic: Portland bikeshare options
Replies: 3
Views: 256

Re: Portland bikeshare options

The Esplanade is a wide dock/walkway on the river. I've never been on it. But it is very popular. Play around with google and the bike function. You will have lots of light in 2 weeks. Be careful about going there alone late at night. The homeless is a real thing in Portland. I've heard they are aro...
by Scrapr
Fri Jul 06, 2018 9:36 pm
Forum: Personal Consumer Issues
Topic: Portland bikeshare options
Replies: 3
Views: 256

Re: Portland bikeshare options

You should be fine. Look at the Biketown website. It has the stations with available bikes. And shows the various bikes around. The Convention Center area is called the Lloyd district. Be careful on crossing the river. Stay off Burnside bridge. They are doing construction there now. You "might" be a...
by Scrapr
Fri Jul 06, 2018 9:22 pm
Forum: Investing - Help with Personal Investments
Topic: Second Opinion(s) on Financial Situation Married Couple 55 years old.
Replies: 39
Views: 4118

Re: Second Opinion(s) on Financial Situation Married Couple 55 years old.

We can make an educated guess that expenses allow them to save 15.5K + 13K + ~24K or more than $52K into retirement plans every year on income of $135K. Great, I don't have to do that budget//calculate expenses now! you may want to try Mint to track your expenses. I started at the first of the year...
by Scrapr
Fri Jul 06, 2018 11:36 am
Forum: Investing - Help with Personal Investments
Topic: Second Opinion(s) on Financial Situation Married Couple 55 years old.
Replies: 39
Views: 4118

Re: Second Opinion(s) on Financial Situation Married Couple 55 years old.

But knowing your mortgage payment only gives us a limited idea of your expenses. We can make an educated guess that expenses allow them to save 15.5K + 13K + ~24K or more than $52K into retirement plans every year on income of $135K. Great, I don't have to do that budget//calculate expenses now! yo...
by Scrapr
Wed Jul 04, 2018 8:33 pm
Forum: Personal Consumer Issues
Topic: Tipping at non sit down places
Replies: 94
Views: 7789

Re: Tipping at non sit down places

runner3081 wrote:
Wed Jul 04, 2018 7:53 pm
No way. What would I be tipping for?
to insure the cook staff doesn't mess with your food

I always tip. I just can't get the idea of the counter staff giving the high sign to the food preparation crew. I'm weird :D
by Scrapr
Wed Jul 04, 2018 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Destination - are you happy with your choice?
Replies: 127
Views: 15161

Re: Retirement Destination - are you happy with your choice?

We ended up farther north than CurlyDave .... central Oregon, north of Bend (couldn’t find the views we wanted for any decent price in Bend proper ...it’s expensive in town). We visited many times before we finally bought...the best houses go fast; prices have risen dramatically within the last two...
by Scrapr
Mon Jul 02, 2018 12:49 am
Forum: Personal Consumer Issues
Topic: Where do you file consumer complaints?
Replies: 8
Views: 674

Re: Where do you file consumer complaints?

Wunderground is owned by The Weather channel. So include them on your social media "rant" :happy
by Scrapr
Sun Jul 01, 2018 11:58 pm
Forum: Personal Finance (Not Investing)
Topic: Question for those who got out of rental properties all together
Replies: 4
Views: 838

Re: Question for those who got out of rental properties all together

We had 2 SFR for a few years. Sold one to buy a vacation house. 1031 the other to a duplex in a different area. Sold it after about 10-12 years. Wells Fargo was very unhelpful in trying to refinance the note. So I said F it and sold. It took a hit on the recapture. I tried to manage that part on the...
by Scrapr
Thu Jun 14, 2018 6:58 pm
Forum: Personal Consumer Issues
Topic: Water heater installation situation
Replies: 56
Views: 4641

Re: Water heater installation situation

These installers are not very helpful. Is this the first time it has come up in their career? Sheesh. They have likely seen this repeatedly. So should have some idea how to solve this quickly & cheaply. I would almost expect them to have a few stands on their truck
by Scrapr
Thu Jun 14, 2018 4:42 pm
Forum: Personal Consumer Issues
Topic: Water heater installation situation
Replies: 56
Views: 4641

Re: Water heater installation situation

My life experience is plumbing issues take 3 trips to home depot or supplier. Minimum. So you are at 1 or 2. Should be done with 1 or 2 more trips. :D
by Scrapr
Thu Jun 14, 2018 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Skilled trade career advice
Replies: 18
Views: 1538

Re: Skilled trade career advice

If i was starting over in the trades i would look at the HVAC. Do new construction and pivot into the service side. Use the nsw construction as a lead source (sticker on the unit) more money on the replacement and upgrades. Heating repairs in the winter AC in the summer. Get 100 customers on a servi...
by Scrapr
Wed Jun 13, 2018 1:03 am
Forum: Personal Consumer Issues
Topic: Water heater installation situation
Replies: 56
Views: 4641

Re: Water heater installation situation

baconavocado wrote:
Tue Jun 12, 2018 11:16 pm

BTW, it costs about $40 to dispose of an old water heater in my area.
Whaaaa??? Put it on the curb. Metal salvage will be around the pick up shortly. Or run it down to the salvage yard. Pro tip: If you leave some water in it you get paid for the water and the metal!
by Scrapr
Tue Jun 12, 2018 6:50 pm
Forum: Personal Consumer Issues
Topic: Water heater installation situation
Replies: 56
Views: 4641

Re: Water heater installation situation

It appears that procedures/policies vary between Home Depot stores. I was able to buy my heater at the going price and have my plumber come, pick it up, and install it. I paid the plumber. HD had offered to arrange installation, but their contrtactor would not provide a price IN ADVANCE. So I went ...
by Scrapr
Tue Jun 12, 2018 7:19 am
Forum: Personal Finance (Not Investing)
Topic: death certificates...hospice and 911
Replies: 32
Views: 2954

Re: death certificates...hospice and 911

I don't believe hospice had anything to do with the death certificate in the case I'm familiar with. Frankly hospice was very helpful until death and then things went downhill fast. Their overriding consideration was accounting for and destroying (an hours-long process) every drug. I found that whe...
by Scrapr
Mon Jun 11, 2018 11:57 pm
Forum: Personal Consumer Issues
Topic: Tv mount with no studs
Replies: 20
Views: 1959

Re: Tv mount with no studs

OP here. Thank you for all responses!! I have some research to do and a trip to home depot. I am not that handy so I am a little nervous about tackling this project. Lot of solid good replies here for sure But in your case, with your admission, personally I would hit Yelp or Nextdoor and find the b...
by Scrapr
Mon Jun 11, 2018 3:28 pm
Forum: Personal Consumer Issues
Topic: How do you celebrate (potty trained kid) milestone with your spouse?
Replies: 93
Views: 5003

Re: How do you celebrate (potty trained kid) milestone with your spouse?

Facebook status change? Pictures? of the proud kid of course! Not the....

I got nothing
by Scrapr
Mon Jun 11, 2018 3:16 pm
Forum: Personal Consumer Issues
Topic: Water heater installation situation
Replies: 56
Views: 4641

Re: Water heater installation situation

It is installed in a laundry/utility room (also has the boiler for the radiant system). It was like that when I got the house. The contractor had no solution other than when it's corrected they will install. They said it is a city permit item. I am in Missouri. That right there means a call for ano...
by Scrapr
Mon Jun 11, 2018 8:24 am
Forum: Personal Consumer Issues
Topic: House sale by owner - Problems & Pitfalls?
Replies: 30
Views: 1673

Re: House sale by owner - Problems & Pitfalls?

Good luck. You’re going to try selling on your own, overprice or maybe get a sale, in the process something will pop up that otherwise a seasoned agent would be able to mediate and calm everyone down and save the deal, your deal is going to blow up Your home will now be a home on the market for som...
by Scrapr
Tue Jun 05, 2018 11:08 pm
Forum: Personal Consumer Issues
Topic: Mobile Fax
Replies: 8
Views: 701

Re: Mobile Fax

I have a one-time consulting gig with a client who requires my invoice to be faxed :( I will be mobile, on the road during that time, they required a faxed invoice within 24 hours of completion - is the solution to take a photo with my phone (?) then send the document by email using one of those on...
by Scrapr
Wed May 30, 2018 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: Bank overpaid contractor and wants my daughter to be responsible
Replies: 25
Views: 3600

Re: Bank overpaid contractor and wants my daughter to be responsible

Do you have State contractor licensing? Our State does but the bond is really low. Something like $20k. But it's a start. Sounds like there were not any lien releases. That's a tough deal. For everyone. Did the bank send over draw payments for approval? How can a contractor disappear? He didn't have...
by Scrapr
Sat May 26, 2018 12:30 pm
Forum: Personal Consumer Issues
Topic: Brick pavers on the edge of my porch are already falling off
Replies: 31
Views: 2324

Re: Brick pavers on the edge of my porch are already falling off

I wonder why the field has not failed if the borders did. Are there loose stones in the main field? Doesn't sound like it. Hope the whole thing doesn't need to be reset
by Scrapr
Sat May 26, 2018 12:09 pm
Forum: Personal Consumer Issues
Topic: Brick pavers on the edge of my porch are already falling off
Replies: 31
Views: 2324

Re: Brick pavers on the edge of my porch are already falling off

I'm not planning to fix this myself...I will be hiring a landscaper. The landscaper I wanted to hire says it can be glued, but others have said otherwise. So, I'm confused who to believe. I would ask the landscaper why his adhesive won't fail if the other one did. And ask the landscaper why this ad...
by Scrapr
Sat May 26, 2018 11:22 am
Forum: Personal Consumer Issues
Topic: Brick pavers on the edge of my porch are already falling off
Replies: 31
Views: 2324

Re: Brick pavers on the edge of my porch are already falling off

I don't have experience w/glue on. So take my opinion for what it's worth. The adhesive has failed there. (duh!) And to mortar in would not really be feasible. (thanks for the pics. that really helps) Do you get freeze thaw cycles? Maybe that contributed? As suggested above try a different adhesive....
by Scrapr
Sat May 26, 2018 8:46 am
Forum: Personal Consumer Issues
Topic: Brick pavers on the edge of my porch are already falling off
Replies: 31
Views: 2324

Re: Brick pavers on the edge of my porch are already falling off

Thank you all. It is on concrete base. As in the porch was concrete before and pavers were laid on it. The custom builder was great during the construction with most aspects. Went beyond to make changes etc...I will still recommend them. The landscapers who did the paver work did mess up many thing...
by Scrapr
Fri May 25, 2018 11:08 pm
Forum: Personal Consumer Issues
Topic: Which tickets would you buy in advance (Europe)?
Replies: 20
Views: 1218

Re: Which tickets would you buy in advance (Europe)?

Don't know about buying tickets, but I do recommend you check museum schedules ahead of time. DW and I were in Paris last year, just so happened the only full day we had in Paris was the day of the week that most museums were closed. :oops: Yes. The Louvre was strangely slow the day we showed up. L...
by Scrapr
Fri May 25, 2018 10:59 pm
Forum: Personal Consumer Issues
Topic: Brick pavers on the edge of my porch are already falling off
Replies: 31
Views: 2324

Re: Brick pavers on the edge of my porch are already falling off

The supporting end pavers would not be structural if nothing below them. Just decorative. And no your pavers should not be coming loose. Are they set on concrete? or just on a sand base? We had pavers in our old house for 22 or 23 years. First we poured concrete with a border. Picture a shallow pool...
by Scrapr
Fri May 25, 2018 10:52 pm
Forum: Personal Consumer Issues
Topic: Which tickets would you buy in advance (Europe)?
Replies: 20
Views: 1218

Re: Which tickets would you buy in advance (Europe)?

Don't know about buying tickets, but I do recommend you check museum schedules ahead of time. DW and I were in Paris last year, just so happened the only full day we had in Paris was the day of the week that most museums were closed. :oops: Yes. The Louvre was strangely slow the day we showed up. L...
by Scrapr
Fri May 25, 2018 8:51 pm
Forum: Investing - Help with Personal Investments
Topic: Book for wife on investing
Replies: 26
Views: 2068

Re: Book for wife on investing

CABob wrote:
Fri May 25, 2018 5:31 pm
Personal Finance for Dummies by Eric Tyson or one of his other books.
I got this for my MIL after her husband died. She enjoyed being able to flip through and pick out pieces. She let FIL do his thing (Edward Jones)
by Scrapr
Tue May 22, 2018 11:42 pm
Forum: Personal Consumer Issues
Topic: Lexus RX 350, Audi Q5, or Volvo XC 60 (update)
Replies: 121
Views: 9310

Re: Lexus RX 350, Audi Q5, or Volvo XC 60

FWIW, my 2015 Volvo XC70 had some work done on it today and they gave me a 2018 XC60 as a loaner. I thought it was a nice driving car although I personally prefer wagons to SUVs. All new Volvos now have at least a 4 cyl w/turbo. The high end engine adds a supercharger for more pep. I don't know for...
by Scrapr
Mon May 21, 2018 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: Need help firing my financial advisor
Replies: 16
Views: 2353

Re: Need help firing my financial advisor

Cost basis = what you paid for it (house stock, etc) Sell price - cost basis = capital gain and if you don't know the cost basis the IRS will assume it is zero. Making all your eventual sale as a gain. It is tedious and difficult to go back and figure out the basis. So if you can go online and get ...
by Scrapr
Fri May 18, 2018 7:32 pm
Forum: Personal Consumer Issues
Topic: Lexus RX 350, Audi Q5, or Volvo XC 60 (update)
Replies: 121
Views: 9310

Re: Lexus RX 350, Audi Q5, or Volvo XC 60

We recently got the XC60 for my wife and love it. The safety, tech and look are superior to the others you named IMO We test drove one yesterday. We liked it a lot. But...no Overseas Delivery. I think we are going to wait to see if by chance they bring it back. <crossing fingers> We did OSD last ye...
by Scrapr
Fri May 18, 2018 11:51 am
Forum: Personal Consumer Issues
Topic: Bonded Leather [Office chair]
Replies: 18
Views: 2253

Re: Bonded Leather [Office chair]

I’d just buy a new non leather chair. That is what I did, a year and a half ago. Yeah, me too. (not #metoo) For 27 years I have had leather office chairs. One at home office & one in regular office. They last 2-4 years. With 2 chairs it felt like I was always looking for a chair. Finally Last year ...
by Scrapr
Fri May 18, 2018 11:40 am
Forum: Personal Consumer Issues
Topic: Lexus RX 350, Audi Q5, or Volvo XC 60 (update)
Replies: 121
Views: 9310

Re: Lexus RX 350, Audi Q5, or Volvo XC 60

We recently got the XC60 for my wife and love it. The safety, tech and look are superior to the others you named IMO We test drove one yesterday. We liked it a lot. But...no Overseas Delivery. I think we are going to wait to see if by chance they bring it back. <crossing fingers> We did OSD last ye...
by Scrapr
Thu May 17, 2018 11:52 pm
Forum: Personal Consumer Issues
Topic: Lexus RX 350, Audi Q5, or Volvo XC 60 (update)
Replies: 121
Views: 9310

Re: Lexus RX 350, Audi Q5, or Volvo XC 60

We recently got the XC60 for my wife and love it. The safety, tech and look are superior to the others you named IMO We test drove one yesterday. We liked it a lot. But...no Overseas Delivery. I think we are going to wait to see if by chance they bring it back. <crossing fingers> We did OSD last ye...
by Scrapr
Wed May 16, 2018 9:49 am
Forum: Personal Consumer Issues
Topic: Neighbor wants to use our land temporarily - let them or not?
Replies: 48
Views: 6364

Re: Neighbor wants to use our land temporarily - let them or not?

...I'm leaning to letting them use the land if they accept liability responsibility and, of course, restore the land to its original condition... Francis You have to understand the reality of this. Your neighbor is not the one using your land. The one using your land is a contractor your neighbor h...
by Scrapr
Wed May 16, 2018 1:40 am
Forum: Personal Finance (Not Investing)
Topic: Small Business Owner - how to build retirement wealth
Replies: 33
Views: 3213

Re: Small Business Owner - how to build retirement wealth

[/quote] Why would owner sell for a multiple of 5 when he can hold on to it for 20 more years with little Involvement? Are you talking about a bonus/ps plan inside of a qualified retirement plan or just straight up Additional compensation? How does a bonus plan that pays out now incent an employee t...
by Scrapr
Tue May 15, 2018 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: Small Business Owner - how to build retirement wealth
Replies: 33
Views: 3213

Re: Small Business Owner - how to build retirement wealth

At this point, the business mostly runs itself without the owner. So for now the plan is for him to keep the business indefinitely - its spits out nice cash flow with little involvement. Why sell it? it is unlikely it would sell for the value of its future cash flows. Why wouldn't a business sell f...
by Scrapr
Mon May 14, 2018 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: Am I working with the wrong realtor?
Replies: 22
Views: 2764

Re: Am I working with the wrong realtor?

Around here, it makes no sense whatsoever to submit an offer on a home that is already under contract. How about a sale fail? Owner doesn't want to go back out and do showings and all that. They say hey. We have this other (1, 2 or 3 ) offers in case something happens. The seller cxan decide if the...
by Scrapr
Mon May 14, 2018 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Am I working with the wrong realtor?
Replies: 22
Views: 2764

Re: Am I working with the wrong realtor?

A single-family home in the area caught my eye a while back. The MLS portal that my agent (buyer's agent) setup did not show the house. I inquired about it and she said it was "under contract" and "not available". My understanding was that in these situations, the deal is by no means a done-deal an...
by Scrapr
Mon May 14, 2018 1:29 pm
Forum: Personal Consumer Issues
Topic: Considerations in selecting a hearing aid
Replies: 21
Views: 1244

Re: Considerations in selecting a hearing aid

as a near geezer I am interested about hearing aids. Anyone have experience with tinnitus? I have had low level tinnitus (construction & truck driving. I don't know if aids can mask the tinnitus. Also how long do aids last. It's one thing id $6k appliances last 15 years. Whole nother thing if it's 3...
by Scrapr
Mon May 14, 2018 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Small Biz Working Capital
Replies: 2
Views: 214

Re: Help with Small Biz Working Capital

I keep a bit in a different bank. Just so everything is not all in one place. I have not submitted FS to our main bank for a while. But if they see an significant amount next door their ears perk up

interest rate is not a decision factor
by Scrapr
Mon May 14, 2018 12:10 pm
Forum: Personal Consumer Issues
Topic: Buying Audi 6 in Germany
Replies: 9
Views: 1494

Re: Buying Audi 6 in Germany

We did a Volvo Overseas Delivery last year. The saying on the Volvo board is do it for the experience, not the money. We were treated really, really well on our trip. The travel agent (Volvo subs that out) were very helpful. We did not have to fly into the factory town. We flew into Stockholm and ou...
by Scrapr
Sat May 12, 2018 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Time Span Between Job Changes
Replies: 16
Views: 1476

Re: Time Span Between Job Changes

I just don’t enjoy the M-F 9-5 schedule I'm sure many here would be very happy with "just" a 9-5 schedule. What schedule would you "enjoy"? That's a trick question right? Mo work from home in my PJs Tues Wander in around 10:00 am (traffic was brutal) hour lunch at 1:30 Leave at 3:30] Wed Work from ...