Search found 147 matches

by Scrapr
Sun Sep 23, 2018 3:08 pm
Forum: Personal Consumer Issues
Topic: Concrete sealers
Replies: 6
Views: 577

Re: Concrete sealers

Be careful if you are going to epoxy the floor later. I'm pretty sure the sealer has to come up to apply the epoxy. Maybe take the pain right now & apply the epoxy because it's not going to get better later
by Scrapr
Sun Sep 23, 2018 3:06 pm
Forum: Personal Consumer Issues
Topic: Slip on loafer shoes for working guy?
Replies: 5
Views: 681

Re: Slip on loafer shoes for working guy?

These aren't cheap https://www.zappos.com/p/merrell-jungle-moc-taupe-suede/product/7460781/color/691 but Mrs found a similar pair at an outlet store near us for about $10. Went back a week later to get another pair and all gone. I am constantly in/out of new homes under construction and it's shoes o...
by Scrapr
Tue Sep 18, 2018 3:06 pm
Forum: Personal Consumer Issues
Topic: Nytimes.com subscription price testing?
Replies: 9
Views: 782

Re: Nytimes.com subscription price testing?

Hmm. I pay $15 (or maybe $15.99) monthly for my digital subscription. I've had it for several years, and it's the same price it was when I signed up. Might be time to cancel for a bit and see what other offers I can drum up. Meg- I had digital at that price and decided to cancel. To cancel you must...
by Scrapr
Sun Sep 16, 2018 1:48 pm
Forum: Personal Consumer Issues
Topic: Is Hardwood Floor No Maintenance (vs Carpet)?
Replies: 39
Views: 3742

Re: Is Hardwood Floor No Maintenance (vs Carpet)?

I suggest a dirt floor like the kind you might find in a pre-contact primitive village. Literally zero maintenance. excellent advice! not so fast my friend. we clean construction sites as a business. one of our contractors did a home with a dirt floor. i keed you knot. it was small like an ADU. abo...
by Scrapr
Sat Sep 15, 2018 8:47 pm
Forum: Personal Consumer Issues
Topic: That Extravagant Thing You Do
Replies: 304
Views: 52474

Re: What is your luxury good?

Business Class on flights over 3 hours

Volvo car

Mrs Scrapr....I married way up
by Scrapr
Sat Sep 15, 2018 11:10 am
Forum: Personal Consumer Issues
Topic: How to determine quality of a finished new construction home
Replies: 45
Views: 2921

Re: How to determine quality of a finished new construction home

The likelihood is 100%. Agreed. +1 The average minimum standard is "build per code, plans, and specs", then add cosmetics and accessories for the "sell". Something like cars? Code built home....the worst home you can legally build :D Code varies by where you live. Where I live all electrical has to...
by Scrapr
Sat Sep 15, 2018 9:53 am
Forum: Personal Consumer Issues
Topic: How to determine quality of a finished new construction home
Replies: 45
Views: 2921

Re: How to determine quality of a finished new construction home

How likely is it that they make all of the apparent stuff high quality but average or lower quality on construction like insulation, materials, foundation, roofing, etc.? The likelihood is 100%. Agreed. +1 The average minimum standard is "build per code, plans, and specs", then add cosmetics and ac...
by Scrapr
Fri Sep 14, 2018 2:22 pm
Forum: Personal Consumer Issues
Topic: WSJ print edition renwal time - any discounts?
Replies: 65
Views: 3966

Re: WSJ print edition renwal time - any discounts?

Nobody asked but I pay a bit over $40 a month for the failing NY Times I already cancelled our local paper a year ago after tiring of negotiating the annual renewal The Times has been at our doorstep for decades from state to state yet cost may be finally reaching the tipping point They keep thanki...
by Scrapr
Fri Sep 14, 2018 12:32 pm
Forum: Personal Consumer Issues
Topic: How to determine quality of a finished new construction home
Replies: 45
Views: 2921

Re: How to determine quality of a finished new construction home

I would ask about how "tight" the home is. Do a blower door test to determine Air Changes/hour. (ACH) The production builders don't care about it because you can't see it. I have seen some ACH above 7. A good tight home will be 1.5-2.0. But after you move in you will feel drafts. And your heating/co...
by Scrapr
Sun Sep 09, 2018 11:41 pm
Forum: Personal Finance (Not Investing)
Topic: How to choose a real estate agent?
Replies: 24
Views: 2097

Re: How to choose a real estate agent?

Have any family & friends bought or sold recently? Perhaps a referral could help. We sold our home 2 years ago. I have been around home buying & selling for most of my working life. But I was shocked at how I reacted to our home sale. I was a mess. Our Realtor was very helpful in the psycological si...
by Scrapr
Fri Sep 07, 2018 10:36 pm
Forum: Personal Consumer Issues
Topic: Ford F-150 Technical Service Bulletin, legal ramifications
Replies: 25
Views: 2055

Re: Ford F-150 Technical Service Bulletin, legal ramifications

First, not checking your oil regularly is not responsible vehicle ownership. This advice is getting outdated. More and more vehicles don’t have oil dipsticks. Audi and BMW are just two expamples. Therefore, the owner of such a vehicle is forced to rely on the on-board electronic measurement functio...
by Scrapr
Mon Sep 03, 2018 8:23 pm
Forum: Personal Consumer Issues
Topic: Graduate Degree Mistakenly (?) Conferred - What to Do? [solved]
Replies: 76
Views: 7295

Re: Graduate Degree Mistakenly (?) Conferred - What to Do?

You'll need to contact the school and verify and reverify. I have woken up in a sweat a few times in the past from dreams I actually never graduated. Auggg, what a terrible dream. I place high value on my bachelor's in engineering degree and wouldn't ever want that baby taken from me. I have recurr...
by Scrapr
Mon Sep 03, 2018 12:14 pm
Forum: Personal Consumer Issues
Topic: How do I get rid of big project t.v.?
Replies: 21
Views: 1082

Re: How do I get rid of big project t.v.?

Do you live in one of these States? Free electronic waste recycle. Sometimes paid by the manufacturer and sometimes by the consumer with a fee at time of purchase http://www.ncsl.org/research/environment-and-natural-resources/e-waste-recycling-legislation.aspx#1 It works great in Oregon. Goodwill wi...
by Scrapr
Mon Sep 03, 2018 12:05 pm
Forum: Personal Consumer Issues
Topic: Neighbor Fencing question
Replies: 50
Views: 3924

Re: Neighbor Fencing question

Would you prefer that the neighbor just take out the fence? (and trim the tree?) Leaving you to either live with the results or buy your own fence? Me I try to work things out with neighbors. Unless it becomes the Great Wall of China I would split the cost (of the entire fence) don't become this guy...
by Scrapr
Mon Sep 03, 2018 12:13 am
Forum: Personal Consumer Issues
Topic: Gentlemen: underwear shopping question
Replies: 35
Views: 3940

Re: Gentlemen: underwear shopping question

t3xn wrote:
Sun Sep 02, 2018 11:18 am
Adidas, best I've ever worn

$17.99 for a 3 pack at costco but they sell them in other stores also
https://www.costco.com/Adidas-Men's-Spo ... 15554.html
you betcha. I like these a lot.
by Scrapr
Sun Sep 02, 2018 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Rental properties - Sell at a loss or hold on?
Replies: 14
Views: 1527

Re: Rental properties - Sell at a loss or hold on?

remember if you sell you have to recapture your depreciation. That can be hard as you won't have cash from the sale but have to pay taxes on the depreciation recapture. If i sold i might stagger the sales into 2 different tax years
by Scrapr
Wed Aug 29, 2018 11:23 pm
Forum: Personal Consumer Issues
Topic: Are Skilled Nursing Facilities that Accept Medicaid Really That Bad?
Replies: 30
Views: 3555

Re: Are Skilled Nursing Facilities that Accept Medicaid Really That Bad?

Our company cleaned out all the beds & furniture from a nursing home that was closing. Actually i think we did 2 of them. 2 weeks before there were patients in there. It was awful. I will never forget it. But...they moved to a brand new facility a few miles away. I would have no issue staying in the...
by Scrapr
Sat Aug 25, 2018 11:15 pm
Forum: Personal Consumer Issues
Topic: Driving as a side gig, not Uber/Lyft/taxi, in my spare time
Replies: 18
Views: 1528

Re: Driving as a side gig, not Uber/Lyft/taxi, in my spare time

Why not set up an informational interview with a local company? Find out what they are looking for and expectations of their employees
by Scrapr
Fri Aug 24, 2018 5:46 pm
Forum: Personal Consumer Issues
Topic: Selling old car - expired registration
Replies: 31
Views: 1827

Re: Selling old car - expired registration

you can get a temp trip permit for like 20 days. Lots and lots of folks do this

I would sell it on CL myself. I would not fix it. Just put in your ad that the CEL is on & an oil leak. Almost all running cars go for at least $500 on CL
by Scrapr
Mon Aug 20, 2018 2:18 pm
Forum: Personal Consumer Issues
Topic: Free Tire Change of Flat
Replies: 21
Views: 1702

Re: Free Tire Change of Flat

AAA wrote:
Fri Aug 17, 2018 3:49 pm
carolinaman wrote:
Fri Aug 17, 2018 7:08 am
AAA will come to where your car is when you have a flat and change it for you.
No I won't. :wink:
you don't want to be part of the gig economy?
by Scrapr
Mon Aug 20, 2018 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Edward Jones rep door knocking
Replies: 90
Views: 8707

Re: Edward Jones rep door knocking

I have two EJ reps in the area who come by every couple of months, and it's clear that they're in competition with each other. Every time, I tell them I'm not interested, but they don't seem to get the message. I think the strategy here is tell ea EJ rep that you are working w/the other rep. Of cou...
by Scrapr
Mon Aug 20, 2018 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Sprint's iPhone protection plan - Worth it?
Replies: 6
Views: 443

Re: Sprint's iPhone protection plan - Worth it?

Make sure you check w/Sprint on the deductible and if it is a refurb. The stores have been pretty helpful for us. Our experience was a few years ago. Oh, forgot to add. Once your lease term is up you have to pay a couple hundred(?) for the phone. Got teen out of the lease (let it run to fruition) pa...
by Scrapr
Mon Aug 20, 2018 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Sprint's iPhone protection plan - Worth it?
Replies: 6
Views: 443

Re: Sprint's iPhone protection plan - Worth it?

Have you ever filed a claim for a phone? We never have. However we did add it to our teenager's phone. Beware that there is a $100 or so charge to use the "insurance". And I don't think you get a new phone. IIRC it is a refurb.
by Scrapr
Mon Aug 20, 2018 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Excessive Emergency Room Charges - Options?
Replies: 207
Views: 12216

Re: Excessive Emergency Room Charges - Options?

When we have had large medical bills we have asked for a payment plan. IIRC 0% interest. They agreed quickly and we paid it off. (Kaiser)
by Scrapr
Wed Aug 15, 2018 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: Terminating an employee with company car
Replies: 62
Views: 6141

Re: Terminating an employee with company car

Just be a decent human being about it. If you want you could drive him/her home. And return with the car. Give them some respect & dignity. I've had to do it & it isn't fun
by Scrapr
Wed Aug 15, 2018 7:10 am
Forum: Personal Consumer Issues
Topic: Solutions for Printing from a Chromebook
Replies: 16
Views: 1368

Re: Solutions for Printing from a Chromebook

Can you save as pdf to a USB stick? Then take the USB to the printer?
by Scrapr
Mon Aug 13, 2018 11:35 pm
Forum: Personal Consumer Issues
Topic: Using Uber Without A Cellular Data Connection (UPDATE)
Replies: 25
Views: 2586

Re: Using Uber Without A Cellular Data Connection

I used Uber in Paris with no cellular connection. I summoned Uber from AirBnb house wifi, no problems. The problem becomes when you want to get back to your Air BnB. No data and you are out and about. I think we might have bought a drink at a cafe and hopped on wifi to get an Uber. We used Uber & t...
by Scrapr
Sun Aug 05, 2018 11:35 am
Forum: Personal Consumer Issues
Topic: Headset for conference calls while mobile
Replies: 9
Views: 759

Re: Headset for conference calls while mobile

Plantronics. I use them daily and they’re awesome, especially when traveling. +1,000. KlangFool +1001.1 Loved the Plantronics Voyager * & Voyager Pro for many years. Light on the ear and I can hear very well. I have a bit of tinnitus and they were able to overcome that background. The Voyager may b...
by Scrapr
Sat Aug 04, 2018 10:46 pm
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 260
Views: 25057

Re: most compelling TV character ever

tennisplyr wrote:
Sat Aug 04, 2018 8:46 am
Ray Romano (Everyone Loves Raymond)
and Men of a Certain Age
by Scrapr
Sat Aug 04, 2018 10:44 pm
Forum: Personal Consumer Issues
Topic: Prefinished White Oak Floors with Matching Stair Treads
Replies: 14
Views: 1025

Re: Prefinished White Oak Floors with Matching Stair Treads

I love the sand in place wood floors. We started out with a dark stain.After about 20 years we changed to a lighter stain. That we liked too.However we did not live with the lighter color for long as we sold the home shortly after. One caution with stair treads & floors the same color. It is sometim...
by Scrapr
Fri Aug 03, 2018 3:31 pm
Forum: Personal Consumer Issues
Topic: Planning a trip to France in June 2019 - ADvice ?
Replies: 28
Views: 2057

Re: Planning a trip to France in June 2019 - ADvice ?

We hired a private guide in Normandy last year. It was fantastic. We did 2 days with him and he worked hard both days. Interesting stories and explanations of stuff that would be easy to overlook if you didn't know what to look for. At Pointe du Hoc he showed us how a shell had bounced around a bun...
by Scrapr
Mon Jul 30, 2018 11:13 pm
Forum: Personal Consumer Issues
Topic: The Villages Florida
Replies: 14
Views: 4546

Re: The Villages Florida

Exceptions: If you find a good "handyman" who is responsible, treat him or her like gold. In my more limited experience with Lowe's, there is a chain of responsibility - - the contractors want to maintain good standing with the large firm and are responsive, as is Lowe's much moreso than if you dea...
by Scrapr
Mon Jul 30, 2018 11:32 am
Forum: Personal Consumer Issues
Topic: Planning a trip to France in June 2019 - ADvice ?
Replies: 28
Views: 2057

Re: Planning a trip to France in June 2019 - ADvice ?

We hired a private guide in Normandy last year. It was fantastic. We did 2 days with him and he worked hard both days. Interesting stories and explanations of stuff that would be easy to overlook if you didn't know what to look for. At Pointe du Hoc he showed us how a shell had bounced around a bunk...
by Scrapr
Sun Jul 29, 2018 6:33 pm
Forum: Personal Consumer Issues
Topic: Buying a senior apartment with lots of unwanted upgrades
Replies: 15
Views: 1773

Re: Buying a senior apartment with lots of unwanted upgrades

Furthermore, there is a school of thought that making an offer that is oddly precise can be taken more seriously. Offering something like $150,475 might be viewed as a more serious offer than an even $150,000. hey! That's my strategy! I have to charge you $17.27 for the public disclosure of my conf...
by Scrapr
Sun Jul 29, 2018 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: Air Conditioning? [How to finance?]
Replies: 76
Views: 5228

Re: Air Conditioning?

IMO I would wait for the shoulder season for quotes. But...we had AC put in the first part of July 3 years go. 1500 SF home 14 SEER and $3660. So $7k sounds very high. I would go one SEER down from top of the line. For cost reasons. But also so you aren't on the bleeding edge We are in Central Orego...
by Scrapr
Mon Jul 23, 2018 10:05 pm
Forum: Personal Consumer Issues
Topic: I want to sell my home, but I don't want to fix it up
Replies: 65
Views: 6422

Re: I want to sell my home, but I don't want to fix it up

You lost me when you said a leak (intermittent) and a faulty window would cost $150k? I'll bid $145 to fix your problems. Just kidding, sort of. Um, did you leave out a little "k" there? :shock: RM Holy crap! I'm gonna lose a ton on this job. Nice catch. you can make it up on the change orders. Pra...
by Scrapr
Mon Jul 23, 2018 12:55 pm
Forum: Investing - Help with Personal Investments
Topic: Investing with a Developer
Replies: 48
Views: 3713

Re: Investing with a Developer

How well do you know the developer? Have you back grounded them? Typically developers do a different LLC for every development. You can check the licensing to see past projects. Does Tx have contractor licensing? Several smaller developers I know do the private equity financing. I might do it but mo...
by Scrapr
Sat Jul 21, 2018 10:25 pm
Forum: Personal Consumer Issues
Topic: Rain shower
Replies: 25
Views: 2657

Re: Rain shower

We are getting ready to redo our master shower. We are getting rid of the sunken tube and putting in a level floor and safety grab bars and a nice slide shower head. But I am thinking about adding a nice big rain shower as well. I am also planning on a wooden shower seat in lieu of a built in seat....
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: 34820

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: 10230

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: 10230

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: 39
Views: 5139

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: 33
Views: 1977

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: 54
Views: 7083

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: 1114

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: 304

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: 304

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: 45
Views: 5029

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: 45
Views: 5029

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...