Search found 1000 matches

by 2comma
Sat Jul 29, 2017 9:49 pm
Forum: Personal Consumer Issues
Topic: Wooden flooring in kitchen
Replies: 51
Views: 4401

Re: Wooden flooring in kitchen

I guess I'll be the exception, I like porcelain tile. They have epoxy grouts now that are stain resistant - they never need to be washed or sealed.
by 2comma
Mon Jul 24, 2017 11:29 pm
Forum: Personal Finance (Not Investing)
Topic: 250/500/100 auto insurance too little
Replies: 3
Views: 608

Re: 250/500/100 auto insurance too little

Opinion, I think you're good. If you wanted more protection I think the preference would be to up the umbrella limit.
by 2comma
Mon Jul 24, 2017 10:58 pm
Forum: Personal Consumer Issues
Topic: Am I getting good advice - replace the AC, not the 21 year old furnace
Replies: 33
Views: 2849

Re: Am I getting good advice - replace the AC, not the 21 year old furnace

Funny you mentioned Goodman. When we did an addition I decided it was a good time to upgrade the AC and furnace. I negotiated on price only so of course he installed the least expensive unit he could find. No one I knew that I asked about brands and installers were any help while I was deciding but ...
by 2comma
Mon Jul 17, 2017 11:12 pm
Forum: Personal Consumer Issues
Topic: kitchen appliance recommendations, esp refrigerator
Replies: 32
Views: 2178

Re: kitchen appliance recommendations, esp refrigerator

We have a few "mom & pop" type appliance stores. They are surprisingly competitive on pricing, service and focus on the customer. We have an LG set (Refrigerator, Stove, Dishwasher, Microwave). The price was competitive with the Kenmore, GE, Amana packages. Spend part of a day kicking tires, seeing...
by 2comma
Mon Jul 17, 2017 10:06 pm
Forum: Personal Consumer Issues
Topic: Would you look for a general handyman for these home jobs?
Replies: 28
Views: 2900

Re: Would you look for a general handyman for these home jobs?

I prefer to do most of my own repair and maintenance work on my house as it saves me money and I learn new skills. 1) depends on the height of the roof and accessibility 2) I would definitely do myself 3) I would do this myself , just be sure to locate studs to drill into for mounting, and caulk th...
by 2comma
Wed Jul 12, 2017 3:50 pm
Forum: Personal Consumer Issues
Topic: New roof suggestions.
Replies: 29
Views: 2938

Re: New roof suggestions.

I had heard it was better to hand nail from a neighbor who was having her roof done. When I had mine done the contractor said they hand nail. I asked why is it better. He said because when you hit a knot or miss in a gap you know it so you can pull the nail out and move to a new spot to nail. My roo...
by 2comma
Thu Jul 06, 2017 9:34 am
Forum: Personal Consumer Issues
Topic: Surge Protector for Refrigerator
Replies: 36
Views: 3285

Re: Surge Protector for Refrigerator

Thanks Brandon!
by 2comma
Tue Jul 04, 2017 11:34 pm
Forum: Personal Consumer Issues
Topic: Surge Protector for Refrigerator
Replies: 36
Views: 3285

Re: Surge Protector for Refrigerator

Not meaning to highjack this thread but my electrical panel doesn't have any open slots to add more circuit breakers. It's my understanding that all these require adding a breaker to install. Any other options for me? Recall there are half-height 120v breakers (2x will fit in the space of 1x full-h...
by 2comma
Tue Jul 04, 2017 11:06 pm
Forum: Personal Consumer Issues
Topic: Surge Protector for Refrigerator
Replies: 36
Views: 3285

Re: Surge Protector for Refrigerator

Not meaning to highjack this thread but my electrical panel doesn't have any open slots to add more circuit breakers. It's my understanding that all these require adding a breaker to install. Any other options for me? Recall there are half-height 120v breakers (2x will fit in the space of 1x full-h...
by 2comma
Tue Jul 04, 2017 10:38 pm
Forum: Personal Consumer Issues
Topic: Surge Protector for Refrigerator
Replies: 36
Views: 3285

Re: Surge Protector for Refrigerator

Believe most that homeowners care about are self-sacrificial. When I researched this topic many years ago, recall most are based on semiconductor technology. Below a certain voltage (~300v?) they are an insulator. Above that voltage, they become a partial conductor to dissipate the *excess* voltage...
by 2comma
Mon Jul 03, 2017 10:45 pm
Forum: Personal Consumer Issues
Topic: Expensive Car Repair, New Engine
Replies: 51
Views: 3866

Re: Expensive Car Repair, New Engine

Naw, I wasn't actually trying to be sarcastic. I have a great deal of respect for anybody that can get that certification from Ford. What I probably should have said is I've been rebuilding engines since I was 13 (49 years now) and something there just doesn't add up. A friend who I hadn't seen for ...
by 2comma
Mon Jul 03, 2017 8:48 pm
Forum: Personal Consumer Issues
Topic: Expensive Car Repair, New Engine
Replies: 51
Views: 3866

Re: Expensive Car Repair, New Engine

certifiedfordtec wrote:As a certified master mechanic by Ford, something doesn't add up. Get a second opinion.
+1 and I'm a certified shade tree mechanic.
by 2comma
Mon Jul 03, 2017 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: Investing 7 years into retirement - reallocation
Replies: 9
Views: 1075

Re: Investing 7 years into retirement - reallocation

These thoughts from Rick Ferri made a lot of sense to me when I retired but it's not for everyone: https://portfoliosolutions.com/latest-l ... y-retirees
by 2comma
Mon Jul 03, 2017 12:01 am
Forum: Investing - Help with Personal Investments
Topic: Stable Value Questions
Replies: 12
Views: 1541

Re: Stable Value Questions

Yes, it is net of the ER. I agree but I have almost all of my fixed income in the 401k plan and almost of my stock funds in IRAs, Roth and traditional, and individual account so my headroom for CD's is limited. A while back someone found a 3.04% 3 year CD (NorthWest CU offer) and I did jump on that ...
by 2comma
Sun Jul 02, 2017 11:33 pm
Forum: Personal Finance (Not Investing)
Topic: Rich Inlaws - Buy Us a House and Let Us Live Rent Free/Cheap?
Replies: 28
Views: 2765

Re: Rich Inlaws - Buy Us a House and Let Us Live Rent Free/Cheap?

Well, at least you now know what your FIL really means when he says he'll get back to you.
by 2comma
Sun Jul 02, 2017 11:20 pm
Forum: Investing - Theory, News & General
Topic: Podcast: The Money Fixers
Replies: 0
Views: 465

Podcast: The Money Fixers

Recently listened to the NPR podcast episode #781, "The Money Fixers". This is about what the people in the mutilated currency division do when people submit unusable money. I found it interesting that people still bury money in the back yard. The link is http://www.npr.org/sections/money/2017/06/30...
by 2comma
Sun Jul 02, 2017 11:09 pm
Forum: Investing - Help with Personal Investments
Topic: Stable Value Questions
Replies: 12
Views: 1541

Re: Stable Value Questions

I stayed in the 401k partially to keep the stable value fund. The other reason is the 401k is at Vanguard and it has institutional index funds with somewhat lower ERs than Admiral. I just looked and my stable value is 1.99% with a .30 ER. The plans Total Bond Index offering just switched to the inst...
by 2comma
Sat Jul 01, 2017 9:00 am
Forum: Investing - Help with Personal Investments
Topic: Are Annuities A Worthwhile Retirement Investment?
Replies: 52
Views: 5514

Re: Are Annuities A Worthwhile Retirement Investment?

I think, after reading probably all the posts about annuities (over several years) the general consensus is the SPIA (Single Premium Immediate) is considered the "good annuity" and all of the others are the "bad annuities". An SPIA is an easy thing to understand and compare. The rest contain a whole...
by 2comma
Sat Jul 01, 2017 6:51 am
Forum: Personal Consumer Issues
Topic: Wrecked Vehicles and Whether or Not to Keep Them
Replies: 34
Views: 2186

Re: Wrecked Vehicles and Whether or Not to Keep Them

Sounds like you really hate the car but you know the money could be better spent on other necessities. The car is worth what it's worth because it provides reliable transportation. I don't think you can financially justify selling it now to save on depreciation expense later. I'd keep it and think o...
by 2comma
Sat Jul 01, 2017 5:31 am
Forum: Personal Finance (Not Investing)
Topic: Chances of delaying Social Security to age 70. Realistic?
Replies: 54
Views: 4250

Re: Chances of delaying Social Security to age 70. Realistic?

Some of the posters are using a little shorthand to describe social security benefits taxation. Either that, or they don't understand. SS benefits are not taxed at 85 %, even with tax torpedoes, or humps, or whatever. Instead, a maximum of 85 % of SS benefits are considered taxable income. So socia...
by 2comma
Tue Jun 27, 2017 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Middle age job blues
Replies: 86
Views: 9201

Re: Middle age job blues

I hear you. My fortune 500 started embracing offshoring/green card holders in a big way a few years back. I've seen a sea change in IT in my 30 years. So much so that I stopped recommending the IT field to young people. I tell youngsters they need to get into things that can't be off shored like nur...
by 2comma
Mon Jun 26, 2017 8:20 pm
Forum: Personal Consumer Issues
Topic: [Sam's Club, Costco, BJ's, and other wholesaler clubs]
Replies: 274
Views: 14553

Re: Sam's Club vs. Costco

This is a timely post for us and I hoped it would help me decide between the two but it really hasn't yet. We've been using Sams for several years which is just ok to me. I mostly hear about Costco at Bogleheads.org and I have a foodie friend that loves Costco so I've been thinking about changing. P...
by 2comma
Mon Jun 26, 2017 3:29 am
Forum: Personal Consumer Issues
Topic: Things to do in Iowa/Nebraska
Replies: 73
Views: 4158

Re: Things to do in Iowa/Nebraska

I love this approach. Have done many impromptu vacations, even parts of our honeymoon and they were the best. When I was younger worked a summer in Yellowstone NP, decide to do some potato harvesting in Idaho and literally drove to a T intersection once and had to decide to go left (West to adventur...
by 2comma
Mon Jun 26, 2017 2:48 am
Forum: Personal Finance (Not Investing)
Topic: Just found out my wife is pregnant.
Replies: 15
Views: 2429

Re: Just found out my wife is pregnant.

I was going to chastise you on your title and say, no, "we are pregnant". I see you said that right of the bat! I'll second or third the idea of finding people, who preferably had just one kid, who are selling baby clothes, changing tables, stuff like that. We found a gal that was selling tons of bo...
by 2comma
Sun Jun 18, 2017 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: Change Auto & Umbrella Insurance after 52 years?
Replies: 21
Views: 2115

Re: Change Auto & Umbrella Insurance after 52 years?

In this day and age I've read it pays to shop your insurance rate every year or two. I think most insurance companies slowly increase their rates hoping you won't check to see if some other company offers a better rate. I see no benefit to being a long time customer.
by 2comma
Wed Jun 14, 2017 1:38 am
Forum: Personal Consumer Issues
Topic: Best windows based laptop
Replies: 24
Views: 1393

Re: Best windows based laptop

I value light and smaller these days so a 13" Asus Zenbook was right for me pricewise. My wife didn't care about size/weight so I bought her a 15" Acer. Both have 256MB SSD's - the difference is astounding speed wise over a physical drive. Neither of us use much storage but if I needed mor...
by 2comma
Tue Jun 06, 2017 11:56 pm
Forum: Personal Consumer Issues
Topic: DIY Toilet Repair Questions
Replies: 6
Views: 981

Re: DIY Toilet Repair Questions

I've also never seen the rubber washers between the tank and the bowl fail but they do put out an incredible amount of black stuff on anything that touches them. I wouldn't worry about it - ours are almost 50 years old and no leaks. As far as the extra parts in the kit; they're made to fit a number ...
by 2comma
Tue Jun 06, 2017 2:30 am
Forum: Personal Finance (Not Investing)
Topic: I'm considering buying a house in the $800k range.. can I?
Replies: 67
Views: 6872

Re: I'm considering buying a house in the $800k range.. can I?

I am on the other side of life at 71 and have been an investor most of the way through. Back when living below your means (LBYM) was the catchphrase. In most cases, especially in a good area like Seattle, the appreciation on a house is proportional to what you put into it. With you income an $ 800k...
by 2comma
Mon May 29, 2017 11:58 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio at EJ but have regrets now
Replies: 37
Views: 3421

Re: Portfolio at EJ but have regrets now

I haven't seen anyone mention that any mutual fund you will own (at EJ or at VG or wherever) will have and expense ratio - ER. So expect to add at least that to your cost of investing with EJ. To give you an idea the total ER I pay at VG for my 401k is .04% The other interesting thing is besides the...
by 2comma
Fri May 26, 2017 1:29 am
Forum: Personal Finance (Not Investing)
Topic: Risky to ask for raise with another offer?
Replies: 28
Views: 2571

Re: Risky to ask for raise with another offer?

If you aren't really interested in the other offer I don't think you have any additional leverage. If you could find a better offer, then you'd have more leverage. In the absence of a better offer you need to convince them that you are due a promotion where the ceiling is higher.
by 2comma
Wed May 24, 2017 8:36 pm
Forum: Personal Consumer Issues
Topic: Rewiring a knob and tube house
Replies: 15
Views: 1947

Re: Rewiring a knob and tube house

K&T is not a fire hazard if its in good condition and has not been hacked/modified or had insulation blown in around it. From a fire safety standpoint the wires themselves are actually safer than modern wiring because the ceramic insulates prevent any direct contact with house framing materials...
by 2comma
Wed May 24, 2017 1:46 am
Forum: Personal Consumer Issues
Topic: Bradford White Electric Water heater?
Replies: 30
Views: 1878

Re: Bradford White Electric Water heater?

How difficult is it for average layperson to change anode in hot water heater? If you have an impact wrench it is a 10 minute job. You just cut off water and power to heater, drain about 10 gallons of water, unscrew the old and insert the new one. Make sure you have enough clearance above your heat...
by 2comma
Sun May 14, 2017 10:10 pm
Forum: Personal Consumer Issues
Topic: Replace floor BEFORE or AFTER New Cabinets?
Replies: 30
Views: 3460

Re: Replace floor BEFORE or AFTER New Cabinets?

I also had the floor put in last. If you put it in first you may not get the dishwasher to fit. And if you put the floor in afterwards, you may be tiling your dishwasher in place. Yes, I've seen it done. Our preference is flooring first. I've done it! I put down tile and it was high enough that the...
by 2comma
Fri May 12, 2017 11:07 pm
Forum: Personal Consumer Issues
Topic: Do I have a problem in the backyard in need of a professional?
Replies: 34
Views: 4577

Re: Do I have a problem in the backyard in need of a professional?

Looks like a crawdad (crayfish/crawfish are the same thing) hole to me. They're more common in rainy seasons or near streams. Smash it flat. More may pop up here and there, just smash them when you see them. They're not a problem. Thanks for answering. We noticed a few around a pond at or neighborh...
by 2comma
Fri May 05, 2017 12:22 am
Forum: Personal Finance (Not Investing)
Topic: Most Common Financial Mistakes
Replies: 108
Views: 14976

Re: Most Common Financial Mistakes

LarryAllen wrote:Not starting savings at a young age.


+1
by 2comma
Fri May 05, 2017 12:14 am
Forum: Investing - Help with Personal Investments
Topic: Pension vs 401k
Replies: 33
Views: 2652

Re: Pension vs 401k

Just to answer some of the questions that have come up: - The pension does have an annual COLA equal to 100% of CPI up to 2%, 75% of CPI from 2-4%, and a max of 6%. - If I leave early, my payout is all of my contributions grown at a 6% interest rate per year It's a tough choice because I think the ...
by 2comma
Mon May 01, 2017 1:53 am
Forum: Personal Finance (Not Investing)
Topic: Dealing with regret
Replies: 102
Views: 9854

Re: Dealing with regret

I didn't start investing until I was 33 and was nowhere near maximizing my 401k so I'm pretty sure I had less than 250k at 40. I upped my contributions with each raise and probably wasn't making max contributions until around age 40. By age 50 I knew better so I upped my contributions to the new max...
by 2comma
Sun Apr 30, 2017 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security options for those born after 01/01/1954
Replies: 17
Views: 1630

Re: Social Security options for those born after 01/01/1954

FiveK, thanks for bringing that up. I was thinking the same thing.
by 2comma
Tue Apr 25, 2017 10:08 pm
Forum: Personal Consumer Issues
Topic: $300+ to remove a racoon. Really?
Replies: 83
Views: 5785

Re: $300+ to remove a racoon. Really?

I tend to DIY but if I was in the business I doubt it would be profitable to do it for much less. If you think their are babies I'd ask how they plan to deal with that. My favorite trapper story was about some girls that had a weekend cabin in the woods and would frequently find field mice that had ...
by 2comma
Mon Apr 24, 2017 9:36 pm
Forum: Personal Consumer Issues
Topic: New job and offer - recruiter sent a wrong $$
Replies: 43
Views: 5446

Re: New job and offer - recruiter sent a wrong $$

Just speculation on my part but maybe the recruiter told the company your current salary. I've read stories where some companies require that information and some base their offer on that. In my day all we talked about was "expected salary". As a conspiracy theory only, perhaps the recruit...
by 2comma
Mon Apr 24, 2017 8:31 pm
Forum: Personal Consumer Issues
Topic: Fiberglass batt in basement ceiling
Replies: 20
Views: 1684

Re: Fiberglass batt in basement ceiling

I can't imagine why you'd want or need airflow between the spaces thru the floor. Any idea what the logic is behind that? I'm thinking about a two story house, even though there usually isn't insulation and if there was it would be there for sound abatement, I doubt much air passes thru the typical ...
by 2comma
Mon Apr 24, 2017 5:55 pm
Forum: Personal Consumer Issues
Topic: DIY Yard Tick Spray?
Replies: 32
Views: 2107

Re: DIY Yard Tick Spray?

It seems flea and tick meds for dogs change every several years - ticks evolve and become resistant. Vets seem to know what is most effective for a given area and ours hasn't recommended Frontline for a few years now. We are using NexGard now and any ticks I find on my two dogs are dead. My understa...
by 2comma
Sat Apr 22, 2017 1:40 am
Forum: Personal Consumer Issues
Topic: Best vacuum cleaner for pet hair?
Replies: 38
Views: 3867

Re: Best vacuum cleaner for pet hair?

I've been sold on Dyson for some time now. When my son and DIL got married I asked what they wanted for a wedding gift and she insisted on the Dyson Animal. They had 2 dogs at the time, now they have three, all shed. I asked her a few weeks ago if she still likes it, she said she loves it. We got ou...
by 2comma
Fri Apr 21, 2017 1:30 am
Forum: Personal Finance (Not Investing)
Topic: Should I cancel my whole life policy?
Replies: 80
Views: 9221

Re: Should I cancel my whole life policy?

Could you define significantly? I have a relative whose parent took out a $500,000 whole life policy on them in 1984, and their death benefit has grown, but currently is only around $650,000 (dividends were not used to offset the annual premium) the death benefit, which has grown and will continue ...
by 2comma
Fri Apr 21, 2017 12:16 am
Forum: Personal Consumer Issues
Topic: Building your own fence
Replies: 35
Views: 2982

Re: Building your own fence

I redid about 120' of fence, by myself - new boards and mostly new 2x4's cross members but kept most of the existing posts. Nothing very difficult about it, like most construction, but it is hard work. I figure you can DIY for roughly 1/2 the cost of paying someone but it's still expensive. I've rea...
by 2comma
Wed Apr 19, 2017 12:34 am
Forum: Personal Consumer Issues
Topic: Buy a new honda or continue with old one
Replies: 33
Views: 3596

Re: Buy a new honda or continue with old one

Assuming you are in reasonable financial shape I think you've surpassed the Boglehead/Millionaire Next Door frugal car expense test. I tell my middle/upper middle class friends that ask that once a car's "personality" gets to be a pain (you can't trust it to get you to work or don't trust ...
by 2comma
Tue Apr 18, 2017 11:52 pm
Forum: Personal Consumer Issues
Topic: Mens Blue Jeans - What are we buying now?!
Replies: 86
Views: 9027

Re: Mens Blue Jeans - What are we buying now?!

Levi's 505's since high school which was over 40 years ago. I'd probably be buried in them except I won't be buried! I haven't had any problems with sizing but several years back I think the thread for the inseams was changed to something more like nylon fishing line so I get some chafe from that, m...
by 2comma
Tue Apr 18, 2017 12:23 pm
Forum: Personal Consumer Issues
Topic: Security deposit issues upon rental move-out. Or, how do I not get ripped off?
Replies: 39
Views: 3155

Re: Security deposit issues upon rental move-out. Or, how do I not get ripped off?

Small claims. These are pretty open and shut and generally a very well regulated area. Most likely once they receive the summons they will simply refund your money and be done with it. Many years ago a friend left his apartment spotless and the management refused to return the deposit. He called th...
by 2comma
Thu Apr 13, 2017 7:35 pm
Forum: Personal Consumer Issues
Topic: Resurfacing Garage Floor
Replies: 11
Views: 1606

Re: Resurfacing Garage Floor

I have not tried resurfacers but I have a dozen or so examples of driveway repairs in the neighborhood where I walk my dogs. Sadly, all of them show failures. If the two sides of the crack are at different heights that indicates settling and odds are pretty high that anything you put over top of it ...
by 2comma
Mon Apr 10, 2017 2:45 am
Forum: Personal Consumer Issues
Topic: Backyard shed, wood or plastic?
Replies: 31
Views: 3380

Re: Backyard shed, wood or "plastic"?

What a timely question (for me at least)! I've been looking at my 15-20 year old metal shed and it's rusting roof and thinking about going with plastic next time. I suspect that a plastic shed would probably last about that long but I haven't done my research on that yet. I'm guessing if you want to...