Search found 327 matches

by Scrapr
Tue Sep 03, 2019 10:50 pm
Forum: Personal Consumer Issues
Topic: Old house with old flooring and no subfloor -- put new flooring on top?
Replies: 13
Views: 1307

Re: Old house with old flooring and no subfloor -- put new flooring on top?

I think this is what we have. Someone called it "car decking". Our floor is just above unfinished crawl space (which is vented). We had the "roof" (ie under the floor) spray foamed to seal it off. If the space under the floor is finished or sealed (ie unvented crawl space) you wouldn't want to do t...
by Scrapr
Mon Sep 02, 2019 11:03 am
Forum: Personal Consumer Issues
Topic: Seeking WiFi solution
Replies: 35
Views: 2569

Re: Seeking WiFi solution

A Google Wifi 3-pack (or 4-pack at Costco) is a simple setup and will provide great coverage. This is the correct answer. I bought a combined modem/router. But the back of the house & the patio were buffering. A 2 unit Google wifi solved all of that. Dead simple to install & hookup Did it automatic...
by Scrapr
Sun Sep 01, 2019 5:36 pm
Forum: Personal Consumer Issues
Topic: Seeking WiFi solution
Replies: 35
Views: 2569

Re: Seeking WiFi solution

greg24 wrote:
Sun Sep 01, 2019 5:31 pm
A Google Wifi 3-pack (or 4-pack at Costco) is a simple setup and will provide great coverage.
This is the correct answer. I bought a combined modem/router. But the back of the house & the patio were buffering. A 2 unit Google wifi solved all of that. Dead simple to install & hookup
by Scrapr
Fri Aug 30, 2019 1:34 pm
Forum: Personal Consumer Issues
Topic: College age male: How much money for food?
Replies: 138
Views: 5503

Re: College age male: How much money for food?

Barefoot wrote:
Fri Aug 30, 2019 12:59 pm
Scrapr wrote:
Thu Aug 29, 2019 11:02 pm
the food/beer will expand/contract according to resources on hand. You ever turn in bottles at the end of the term to get....wait for it....more beer
I always sold my books toward the end of the semester to boost my alcohol budget.
Pro level stuff

who needs books??? :D
by Scrapr
Fri Aug 30, 2019 12:25 am
Forum: Personal Consumer Issues
Topic: Tailgating Equipment Recommendations
Replies: 22
Views: 1179

Re: Tailgating Equipment Recommendations

Any tailgating recommendations? Interested in everything from trucks to grills to coolers, etc. Game tickets, do not leave them at home. Make a ritual of checking them when everyone is in the car and ready to leave home. doh!!! Parking Pass :oops: I had to have my neighbor text me a picture of my p...
by Scrapr
Thu Aug 29, 2019 11:02 pm
Forum: Personal Consumer Issues
Topic: College age male: How much money for food?
Replies: 138
Views: 5503

Re: College age male: How much money for food?

how much money do you have? It will be $100 more than that.

the food/beer will expand/contract according to resources on hand. You ever turn in bottles at the end of the term to get....wait for it....more beer
by Scrapr
Thu Aug 29, 2019 10:56 pm
Forum: Personal Consumer Issues
Topic: Tailgating Equipment Recommendations
Replies: 22
Views: 1179

Re: Tailgating Equipment Recommendations

It took us several years to get our tailgate stuff sorted out. 2 coolers. One beer, one pop/water. We encouraged people to take in water because the Costco water is bupkis and inside it's $3. One sometimes 2 fold up tables (big game) Small cooler with meats, other food. At least a half dozen chairs ...
by Scrapr
Tue Aug 27, 2019 6:31 pm
Forum: Personal Consumer Issues
Topic: Good fencing for Bad neighbors (fence advise)
Replies: 22
Views: 2595

Re: Good fencing for Bad neighbors (fence advise)

4nursebee wrote:
Tue Aug 27, 2019 5:25 pm
Anyone else have FENCING advice, not legal or other advice?
make sure you call Locate or other service for underground utilities.

*ask me how I know that
by Scrapr
Tue Aug 13, 2019 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Limits of HOA power - public streets
Replies: 25
Views: 1966

Re: Limits of HOA power - public streets

> "can an HOA board spend HOA resources to lobby a city to change vehicle laws on public streets"? Umm, what resources? The HOA board isn't paid. The only resources you could be talking about would the the stamp on the letter. Or maybe the cost of producing the letter, if the management company cha...
by Scrapr
Sat Aug 10, 2019 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Trust to avoid Probate
Replies: 21
Views: 1889

Re: Trust to avoid Probate

I thought we were in good shape with just TOD on our accounts. But met with an trust & estate attorney. Boy was I surprised to learn that our state has a punishing tax on estates. But if you put your investments in a trust there are $1 million exemption per person. So that is what we did. It was a b...
by Scrapr
Wed Aug 07, 2019 6:01 pm
Forum: Personal Consumer Issues
Topic: How to find a reliable car service center?
Replies: 45
Views: 2352

Re: How to find a reliable car service center?

Your best bet is to trade your current car in for something less reliable. You'll have more opportunities to evaluate your options. Win-win! My car once broke down across the street from a repair shop. He turned out to be one of my favorite mechanics. Did he have a break down force field outside hi...
by Scrapr
Wed Aug 07, 2019 5:52 pm
Forum: Personal Consumer Issues
Topic: Worth it to upgrade to Main Cabin Extra?
Replies: 76
Views: 3876

Re: Worth it to upgrade to Main Cabin Extra?

DH thinks that if I upgrade my seat I will be stuck with an extra large person next to me, since those type of seats are most comfortable for larger people. What do you think, stay with what I have (the total flight was $870 for regular economy) or pay the $230 to upgrade? Your DH saw me in Premium...
by Scrapr
Wed Aug 07, 2019 5:45 pm
Forum: Personal Consumer Issues
Topic: wifi router, too many options!
Replies: 41
Views: 2767

Re: wifi router, too many options!

Do you need a smartphone to set up google wi-fi? I tried calling the help phone number but it gets a rapid busy signal. Thanks. I am pretty sure you do need smart phone. Or a tablet/laptop/computer. You download an app and work through it for each unit. Took no more than 10 minutes for 3 units (one...
by Scrapr
Wed Aug 07, 2019 12:49 pm
Forum: Personal Investments
Topic: Vanguard customer service
Replies: 44
Views: 2275

Re: Vanguard Customer Service Recently

Then I called Vanguard today and had to wait forty minutes to talk to a representative. When I finally did talk to someone they seemed annoyed to answer very simple questions (such as which address to send the checks to). What’s even more shocking is that I was moving money to them. (Typically the ...
by Scrapr
Mon Aug 05, 2019 10:02 am
Forum: Personal Consumer Issues
Topic: Ink Pens
Replies: 77
Views: 4690

Re: Ink Pens

I have used Cross pens since the early 80's. The one I've used for probably the last 20 years is slightly larger but has a very nice weight & balance. Originally slipped into my Franklin planner (does that date me?) Now just carry it in my pocket. I get comments on it about once a week. It's about $...
by Scrapr
Wed Jul 31, 2019 6:24 pm
Forum: Personal Consumer Issues
Topic: ER visit added office fee to bill
Replies: 12
Views: 1066

Re: ER visit added office fee to bill

CoastalWinds wrote:
Wed Jul 31, 2019 5:33 pm
These are inexpensive ER costs. I wouldn’t worry about $35.
exactly.I always [assume] that an ER visit will be $1k. I am rarely wrong

[Edited by moderator oldcomputerguy]
by Scrapr
Wed Jul 17, 2019 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: help with avoiding inheritance/estate tax
Replies: 14
Views: 1465

Re: help with avoiding inheritance/estate tax

Does giving to charity actually avoid estate tax? I was attending an "ask the lawyer" kind of meeting about estate planning. I asked if I need to be worried about Oregon state estate taxes (much lower limit than federal) eating into my legacy if I am giving the bulk to charity. I understood his ans...
by Scrapr
Mon Jul 15, 2019 10:31 am
Forum: Personal Finance (Not Investing)
Topic: Tenant turned off all utilities advice please!!
Replies: 85
Views: 8018

Re: Tenant turned off all utilities advice please!!

Maybe experience and successful landlords could comment - but I wonder if there are way(s) the landlord can detect such problems during the lease? One way I've heard landlords do this is change the HVAC filters twice a year. That allows access ...with notice of course. Now what you do about a filth...
by Scrapr
Sun Jul 14, 2019 9:06 pm
Forum: Personal Consumer Issues
Topic: Who cuts your hair? And for how much?
Replies: 153
Views: 9095

Re: Who cuts your hair? And for how much?

went to a local barber for a long time. I think it was about $12. Then he split from his wife (the other chair in the shop) soI went with him.Times got tough for him. No traffic. I'd walk in and he would not have change for a $20. So $8 tip. He did this a few times and said [forget it] .Walked into ...
by Scrapr
Sat Jul 13, 2019 6:13 pm
Forum: Personal Consumer Issues
Topic: Being given charity that I don't need
Replies: 51
Views: 4860

Re: Being given charity that I don't need

I was going occasionally to a local burger joint (Burgerville). Didn't know they had a senior discount … and didn't figure out for months that the young people behind the counter had actually been giving me the senior discount. I was in my early 60s. Why I never....(said in Jack Benny voice) I was ...
by Scrapr
Sat Jul 13, 2019 1:02 am
Forum: Personal Investments
Topic: is Vanguard Flagship service better? (I sure hope so)
Replies: 28
Views: 3018

Re: is Vanguard Flagship service better? (I sure hope so)

adding to the kudos for Flagship. As Mrs Scrapr was in her last days we were trying to get our Trust accounts set up & funded. There were very slight mistakes on the VG accounts in her name. Like an L initial instead of an i. Our Flagship rep was on the phone several times with us over a week. I'm s...
by Scrapr
Thu Jul 11, 2019 11:27 pm
Forum: Personal Consumer Issues
Topic: choosing a contractor
Replies: 9
Views: 904

Re: choosing a contractor

You know i would not rule out "A". This is his busy time of the year. Many trades are back of the envelope guys that have not figured out how to run a business. Doesn't mean the work is sub par. You like him. It speaks volumes that the other company reco him. That means a lot. Truly.Then he sucked i...
by Scrapr
Sun Jul 07, 2019 11:54 am
Forum: Personal Consumer Issues
Topic: Sofa or couch ( an6 difference) for new homeowners
Replies: 25
Views: 1508

Re: Sofa or couch ( an6 difference) for new homeowners

I bought a recliner sofa for our TV room last year. Was very surprised at the low(ish) cost. They had a lot of nice looking stock
by Scrapr
Sun Jul 07, 2019 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Prenuptial for future son-in-law - RESOLVED
Replies: 46
Views: 2623

Re: Prenuptial for future son-in-law

I think the other possibility is future SIL drops out of Med School with the loans still owing and takes a Barista job. Unlikely I'm sure. But man plans & God laughs

I have nothing to add on the prenup
by Scrapr
Wed Jun 26, 2019 11:43 am
Forum: Personal Consumer Issues
Topic: Clearing undergrowth and bush
Replies: 37
Views: 2499

Re: Clearing undergrowth and bush

I don’t usually link to stuff on reddit, but this time it’s appropriate . The first comment, not the meme. Brilliant! I felt like I was right next to him in warfare I would do the goats if you want au natural. The guy that delivers the goats puts up a temp fence to keep them on the property you wan...
by Scrapr
Tue Jun 25, 2019 5:19 pm
Forum: Personal Consumer Issues
Topic: Am I falling into the trap of judging everything through cost lens?
Replies: 51
Views: 4806

Re: Am I falling into the trap of judging everything through cost lens?

Domestic air <4 hours I will fly Premium economy. Although a trip from Chicago to Portland I was scrunched forward for hours. Because the guy next to me was a "Big Fella" Of course by scrunching forward I was inches from the First Class seats one row ahead. Believe me I was regretting my choice. Int...
by Scrapr
Sat Jun 22, 2019 7:07 pm
Forum: Personal Consumer Issues
Topic: 5 days in Como, Italy
Replies: 15
Views: 1299

Re: 5 days in Como, Italy

Lake Como? Drop in on George Clooney & Amal? "Since we were in the neighborhood...

There is a train route that goes past Lake Como called the Bernina Express. It looks awesome. We were close to pulling that off this year. Someday...

https://www.seat61.com/BerninaExpress.h ... _the_video
by Scrapr
Tue Jun 18, 2019 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Can someone reassure me - late mortgage payment through no fault of my own
Replies: 9
Views: 1163

Re: Can someone reassure me - late mortgage payment through no fault of my own

Our loan servicer sold out to a different servicer. Same deal as OP. Your payment will be credited and no late payment penalties. Sure enough they charged a late penalty. We paid it (because 20 hours of our time > a few $$$) Then we paid off the loan.
by Scrapr
Tue Jun 18, 2019 10:22 am
Forum: Investing - Theory, News & General
Topic: Can't contact VG & "Your account information is temporarily unavailable"
Replies: 32
Views: 1793

Re: problem logging into Vanguard

Just popped in no problem. Maybe reboot your computer?
by Scrapr
Tue Jun 18, 2019 12:30 am
Forum: Personal Consumer Issues
Topic: GPS Watch for tracking dementia patient
Replies: 12
Views: 1180

Re: GPS Watch for tracking dementia patient

I know you don't want to hear it. But i would encourage you to look at a memory care facility. Mom & Dad both ended in memory care. When the kids were talking we ll came to the decision that safety was the first priority. My uncle wandered out when my aunt was too tired to watch the door. He ended u...
by Scrapr
Tue Jun 18, 2019 12:04 am
Forum: Personal Finance (Not Investing)
Topic: Selling Home - When to Reduce Price?
Replies: 30
Views: 2925

Re: Selling Home - When to Reduce Price?

Let me share a story on our home sale a couple years ago. We cleaned & decluttered and cleaned some more. Hit the market right when the flowers in the yard "popped". It was awesome. We priced at somewhere at $522k. Knowing that was a bit optimistic. Coming soon sign out for a week ahead of time. Fir...
by Scrapr
Sun Jun 09, 2019 11:13 pm
Forum: Personal Consumer Issues
Topic: Personal Experience with SCORE Business Counseling?
Replies: 5
Views: 467

Re: Personal Experience with SCORE Business Counseling?

The local Small Business Development Center (SBA) through our Community College has been helpful. One course is a general overview of business. Hiring employees, risk, funding, etc. That one is 10 weeks with once a week class. Advanced is 10 months with more one on one work
by Scrapr
Sun Jun 09, 2019 11:03 pm
Forum: Personal Consumer Issues
Topic: Recycling - questions and answers
Replies: 14
Views: 1519

Re: Recycling - questions and answers

was just in the MJ Dispensary this afternoon. They had a large barrel (55 gal) filled almost to the top with containers. Stoners love the environment. I didn't inhale. MIL wanted some cream for arthritis. Sunday is Senior discount day. It is pretty funny to see her in there
by Scrapr
Fri Jun 07, 2019 5:25 pm
Forum: Personal Consumer Issues
Topic: How to pay electrician
Replies: 38
Views: 3612

Re: How to pay electrician

you got an electrician to come out, bid, and actually show up and complete the work? around here, it's hard to find ones that come out to bid on small jobs.... and they are booked out for months I'd say, especially if you will need him in the future, and if he did the work on time and correctly, to...
by Scrapr
Thu Jun 06, 2019 4:59 pm
Forum: Personal Consumer Issues
Topic: How to pay electrician
Replies: 38
Views: 3612

Re: How to pay electrician

you got an electrician to come out, bid, and actually show up and complete the work? around here, it's hard to find ones that come out to bid on small jobs.... and they are booked out for months I'd say, especially if you will need him in the future, and if he did the work on time and correctly, to...
by Scrapr
Wed Jun 05, 2019 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 470
Views: 43744

Re: Selling home- Demanding Buyer (Repairs)

stan1 wrote:
Wed Jun 05, 2019 9:55 pm
I don't think anyone has asked this yet: is your buyer an attorney by chance?
one thing we do know is that the buyer is a "nibbler"

http://www.quintarra.com/beware-of-the-nibbler/
by Scrapr
Wed Jun 05, 2019 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Help finding/choosing CPA - is proximity important?
Replies: 5
Views: 542

Re: Help finding/choosing CPA - is proximity important?

My CPA is one state over. NBD. I really like her. I had a bad (expensive) experience with a local firm. Her returns cost about 25% of the local guys. Plus when I asked for previous year returns on a file he charged me a full year filing. The time zone is something I have to remember once in a while....
by Scrapr
Sat Jun 01, 2019 12:20 am
Forum: Personal Consumer Issues
Topic: inexpensive outdoor security camera
Replies: 19
Views: 2042

Re: inexpensive outdoor security camera

We have the Ring cams and like them a lot. We put the cameras on the side with just battery.I bought an extra battery and they last 4-6 months. I think it was 4 months and the battery life was about 30%. Just depends on how many times it turns on...ie; how much motion you have. Our location is not h...
by Scrapr
Wed May 29, 2019 12:12 am
Forum: Personal Finance (Not Investing)
Topic: Fun paid jobs after FIRE
Replies: 180
Views: 17270

Re: Fun paid jobs after FIRE

well not "fun" per se....but I was walking into my truck mechanic this morning. I look over at the employee parking and don't recognize one car there. I ask the mechanic by the door. Wow...who's black BMW is that there. He sez...the new clean up/parts runner guy hmmm...as Jack Benny said..I'm thinking
by Scrapr
Sun May 26, 2019 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: House not selling
Replies: 138
Views: 11681

Re: House not selling

What does your agent say? Why did you pick $425? How much is the new construction going for? Remember buyers that buy new have lots of expenses to actually live in the house. Blinds, yard, AC if not bought with house. And the all important Mrs cosine deciding that all that ratty old furniture just i...
by Scrapr
Sat May 25, 2019 9:13 pm
Forum: Personal Consumer Issues
Topic: What has changed in new home construction over the years?
Replies: 49
Views: 6331

Re: What has changed in new home construction over the years?

I will posit that the National Builders have driven the build quality down in our market overall. Fast schedules with too many homes for a super to walk every day. So virtually no supervision on top of the Purchasing driving down the cost curve. Since the entry cost is very low there are a lot of pe...
by Scrapr
Wed May 22, 2019 5:23 pm
Forum: Personal Consumer Issues
Topic: Frustration dealing with contractors....am I doing something wrong?
Replies: 43
Views: 4637

Re: Frustration dealing with contractors....am I doing something wrong?

I watch some of these flipper channel on youtube and am amazed at how inexpensive they are able to get work done. $750 for a front door, $7k for a full bathroom or kitchen reno full house flip for $30-40k... You know that the flipper shows are BS. Entertainment. Rely on nothing that they show. We d...
by Scrapr
Mon May 20, 2019 10:27 am
Forum: Personal Consumer Issues
Topic: Chiminea, fire pit or nothing?
Replies: 26
Views: 1898

Re: Chiminea, fire pit or nothing?

I love our propane fire pit. We redid our back yard and put pavers down. Then got a fire pit with wheels on the bottom to be able to move it around. My fav thing is sit out in the evenings with a glass of whiskey or wine. Just heaven. I would like the pit to put out a bit more heat, But it works. Pr...
by Scrapr
Mon May 20, 2019 10:18 am
Forum: Personal Consumer Issues
Topic: Car repairs: what to do next time
Replies: 42
Views: 2750

Re: Car repairs: what to do next time

that is a heckuva deal on that maintenence list. I'm not sure I've heard of brake drums being replaced on a car. Turned? You bet. But new drums? Not really. Did the pads wear down until it was metal on metal? That would have had to go on for a while. And you don't strike me as one that would let tha...
by Scrapr
Sat May 18, 2019 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Multi owner property sale with missing owners
Replies: 12
Views: 1542

Re: Multi owner property sale with missing owners

JGoneRiding wrote:
Fri May 17, 2019 10:45 pm
This is a really great example of why probate is helpful to force sells of real estate rather than transfer ownership to all the heirs and create a mess!
and then a couple of owners die and pass through their share to even more owners....
by Scrapr
Tue May 14, 2019 11:22 am
Forum: Personal Consumer Issues
Topic: Volvo S90 T5 Momentum - Thoughts and Suggestions???
Replies: 41
Views: 3396

Re: Volvo S90 T5 Momentum - Thoughts and Suggestions???

RE: Consumer Reports (subjective) "Reliability" Volvo S90 2016 owner: "Spotify took 30 seconds to load. I have had 2 software updates to fix it" Consumers Reports: "Totally unacceptable" :shock: Lexus RX 2015 owner: "My 80's Casio style clock is flawless" Consumers Reports: "Oh yeah, now we are tal...
by Scrapr
Sun May 12, 2019 10:42 pm
Forum: Personal Consumer Issues
Topic: Volvo S90 T5 Momentum - Thoughts and Suggestions???
Replies: 41
Views: 3396

Re: Volvo S90 T5 Momentum - Thoughts and Suggestions???

You are asking the wrong person here....me! I love my Volvos. Currently have '17 V60 wagon with the 4 cylinder. No issues for me. A bit of turbo lag. I'm used to it. Most of the time it's one particular freeway on ramp.I love the safety features. China doesn't bother me. One report had build quality...
by Scrapr
Sun May 12, 2019 11:09 am
Forum: Personal Consumer Issues
Topic: Ever Had an Animal Stuck in Chimney? What Did You Do?
Replies: 32
Views: 2228

Re: Ever Had an Animal Stuck in Chimney? What Did You Do?

We called a pest removal company after our first experience of having a squirrel fall down the chimney. And added a hardware cloth screen over the top of the chimney. The first time was funny, after it was over. A squirrel fell down the chimney, and was in the firebox. So, being a DIYer, I got a la...
by Scrapr
Sun May 12, 2019 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Cash Deposit Bank
Replies: 22
Views: 1807

Re: Cash Deposit Bank

Just out of curiosity, is the CTR reporting process transparent to the customer? Will I even know if one of my transactions was reportable? I just deposited a mid 6 figure check from parents estate. They asked a few questions. Innocuous if you weren't aware of the structuring reports. Teller called...