Search found 1234 matches

by 2comma
Tue Sep 25, 2018 12:38 am
Forum: Personal Consumer Issues
Topic: You don't get all the rebates if you take the 0% financing
Replies: 18
Views: 2596

Re: You don't get all the rebates if you take the 0% financing

Penfed is the only one I found that had a "new" refinance rate plus they tell you what it is! The few other banks that posted a rate (I think they were used car rates which were higher. Seems like everyone else wants you to fill out an application before they tell you what your rate will be. I think...
by 2comma
Mon Sep 24, 2018 5:35 pm
Forum: Personal Consumer Issues
Topic: $450 for 1.5 hour plumbing job normal?
Replies: 30
Views: 3445

Re: $450 for 1.5 hour plumbing job normal?

I could see his price being somewhere in that ballpark if he had to cut a hole in the drywall, repair the leak, patch/prime/paint wall. Otherwise, he's already got several leftover pieces of 1/2 or 3/4 copper pipe laying around and several elbows (I do and I ain't no handyman, just a DIY). His reaso...
by 2comma
Mon Sep 24, 2018 1:07 am
Forum: Personal Consumer Issues
Topic: You don't get all the rebates if you take the 0% financing
Replies: 18
Views: 2596

Re: You don't get all the rebates if you take the 0% financing

Just to let everyone know I signed the papers and the loan was through Ford Motor Co - the rate was 5.9%! I've decided that I don't really need the liquidity and have more than enough in non-pretax savings to just pay the thing off. The dealership asked me to make 3 payments so they got their incent...
by 2comma
Sun Sep 23, 2018 12:04 am
Forum: Personal Consumer Issues
Topic: Bareboat Charter in BVI
Replies: 20
Views: 2660

Re: Bareboat Charter in BVI

We've done this several times. Traveltalkonline has a forum just for these type of questions.
by 2comma
Sat Sep 22, 2018 2:24 am
Forum: Personal Consumer Issues
Topic: You don't get all the rebates if you take the 0% financing
Replies: 18
Views: 2596

You don't get all the rebates if you take the 0% financing

I just bought a new Ford truck today assuming I'd get all of the rebates and 0% financing but found out I'd loose a $1500 rebate if I took the 0%. I took the rebate. I haven't seen the numbers yet but the salesperson said she thought the rate would be about 5.5% (I'm guessing the duration is 60 mont...
by 2comma
Thu Sep 13, 2018 7:33 pm
Forum: Personal Consumer Issues
Topic: I need a chainsaw to trim branches and limbs!!
Replies: 93
Views: 4479

Re: I need a chainsaw to trim branches and limbs!!

Chain saws and ladders don't mix. Take a look at the pro's equipment when you see them cutting/trimming trees - you won't see any ladders!
by 2comma
Sat Jul 28, 2018 10:45 pm
Forum: Personal Finance (Not Investing)
Topic: Should I retire early?
Replies: 18
Views: 3482

Re: Should I retire early?

How much is the long term disability from work and how long will it last? Not sure about SSDI, but the long term disability at my last job paid out at 65% of our salary until age 65, which would have been enough for me to retire if I hadn't retired early. As I remember the company I retired from al...
by 2comma
Sat Jul 28, 2018 10:40 pm
Forum: Personal Finance (Not Investing)
Topic: Should I retire early?
Replies: 18
Views: 3482

Re: Should I retire early?

I can’t contact former employer Re how long long term disability will last. Not exactly a friendly departure. If need be, financial adviser suggested a reverse mortgage as we have large home and just the two of us living here. In my heart, I really want to retire (be permanently disabled). I think ...
by 2comma
Sat Jul 28, 2018 9:52 pm
Forum: Investing - Theory, News & General
Topic: Jonathan Clements blog - Argues for all-in-one fund
Replies: 21
Views: 3981

Re: Jonathan Clements blog - Argues for all-in-one fund

My opinion is an all in one fund is fine until you start having taxable investments then the 3 fund shines because you can put stocks in either Total Stock or Total International Stock (bonds in taxable accounts are tax inefficient). As I age and have spent down my taxable investments it will be str...
by 2comma
Sat Jul 28, 2018 1:53 pm
Forum: Personal Consumer Issues
Topic: Flooring: Hard wood vs Ceramic Tile that looks like wood
Replies: 26
Views: 2833

Re: Flooring: Hard wood vs Ceramic Tile that looks like wood

Thanks everyone who responded. I appreciate everyone's experience and shared opinions. For those that have engineered wood, has anyone had damage to it via water left unwipped or scuffing that irritated you and required repair? How hard or bad was the repair? I laid some Bruce engineered out floori...
by 2comma
Sat Jul 28, 2018 1:40 pm
Forum: Personal Consumer Issues
Topic: Flooring: Hard wood vs Ceramic Tile that looks like wood
Replies: 26
Views: 2833

Re: Flooring: Hard wood vs Ceramic Tile that looks like wood

Ceramic that looks like wood... doesn't really look like wood. You can tell it's printed, and the grout lines are a dead giveaway. That said, it's not bad looking tile. Do it because tile fits your lifestyle and you like the colors, not because you think it passes for wood. And if you go with tile,...
by 2comma
Fri Jul 27, 2018 1:28 pm
Forum: Personal Consumer Issues
Topic: Sub-500 laptop *brand* suggestions
Replies: 19
Views: 2071

Re: Sub-500 laptop *brand* suggestions

I just recently spilled a large glass of ice water on the keyboard of my zenbook ux305f (13" 2.6 lbs) and needed to replace it. It was a core M processor/8GB/256SSD. I was very happy with it except the sound was not very loud. I always said when I upgrade the only thing I'd change was the sound volu...
by 2comma
Thu Jul 19, 2018 5:59 pm
Forum: Personal Consumer Issues
Topic: Home maintenance question - rust beneath caulk in tub
Replies: 13
Views: 1280

Re: Home maintenance question - rust beneath caulk in tub

Take a look at POR-15. If you get any loose stuff off it will definately stick to rust and protect it. It can be painted over but within a certain time period and only with certain paints so not sure your enamal repair kit is compatable. Just an idea to look into. You know what they say, "rust never...
by 2comma
Wed Jul 18, 2018 6:39 pm
Forum: Investing - Theory, News & General
Topic: Flatting Yield Curve - buckle up for the storm?
Replies: 27
Views: 2689

Re: Flatting Yield Curve - buckle up for the storm?

If I were you, I would be following my company’s and it’s industry’s finances really closely. If you are really low on the totem pole, I would be building up the emergency fund in case a layoff or termination comes. No one can predict when the next recession will happen, but be assured it is coming...
by 2comma
Wed Jul 18, 2018 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Selling mom's house
Replies: 50
Views: 4328

Re: Selling mom's house

I'd just get my name off the deed and let it go. I wouldn't expect to be able to save the relationship. In the family one of my brothers married into grandpa left a few thousand acres of farmland to several family members. The issue became some of it was road frontage on a 4-lane highway. They decid...
by 2comma
Wed Jul 18, 2018 9:43 am
Forum: Personal Consumer Issues
Topic: Need Help Evaluating HVAC Needs and Quotes
Replies: 22
Views: 2403

Re: Need Help Evaluating HVAC Needs and Quotes

Thank you all for your help. Yesterday I found an old-school HVAC repair guy who was magically able to fix my old system, at least temporarily. He agrees that it is on its last legs, but it should get me through this summer season and into the fall. He recommended replacing the unit with another co...
by 2comma
Tue Jul 17, 2018 9:35 pm
Forum: Investing - Help with Personal Investments
Topic: Heresy: Is It Worth Converting tIRAs to Roth?
Replies: 46
Views: 4775

Re: Heresy: Is It Worth Converting tIRAs to Roth?

I've been mulling over this and our situation - two decent pensions and my DW is still working. Besides sitting down and doing the hard work of trying to figure out what is best for you don't forget about unknowns like one of you outliving the other by many years and paying taxes as a single person....
by 2comma
Sun Jul 15, 2018 10:30 pm
Forum: Personal Consumer Issues
Topic: Seeking advice about "defective" computer
Replies: 22
Views: 1654

Re: Seeking advice about "defective" computer

Load an image backup program such as Macrium Reflect (free version) on your computer. Make an image of your drive(s) to an external hardrive. Have Dell give you a new computer, and then reinstall the image to your new computer. You are then back where you are now with minimal time/effort involved. ...
by 2comma
Wed Jul 11, 2018 1:06 am
Forum: Personal Consumer Issues
Topic: Masterbath Remodel - Tub or No Tub ?
Replies: 57
Views: 3724

Re: Masterbath Remodel - Tub or No Tub ?

In my VHCOL inner suburb area: Realtors say its OK to get rid of the master tub in favor of a spa-like walk in shower BUT ONLY IF there is a tub in the hall/kids/guest bath. We converted our master with a tub to a shower. The main bath still has a tub. I think that people with infants still want a ...
by 2comma
Tue Jul 10, 2018 11:57 pm
Forum: Personal Consumer Issues
Topic: Tool cabinets?
Replies: 32
Views: 2392

Re: Tool cabinets?

I just looked and mine is a Husky so I guess it came from HD. I've had it a long time so I don't know how current ones compare but I'm frugal so I didn't pay snap-on prices. Like above, it has massive casters and I'd guess with a few hundred pounds of tools it rolls easily and doesn't tip. I usually...
by 2comma
Sat Jun 30, 2018 3:06 pm
Forum: Personal Consumer Issues
Topic: Cheapest way to buy a phone in 2018?
Replies: 73
Views: 7957

Re: Cheapest way to buy a phone in 2018?

For those who have used Swappa, what condition of phone did you buy? There seems to be lots of good deals there, but most phones are listed in fair condition. I bought two phones from Swappa, one over 3 years ago and the other a few months ago. I believe both were listed as good condition. The firs...
by 2comma
Fri Jun 29, 2018 8:19 pm
Forum: Personal Consumer Issues
Topic: Determining "Fair Market Value" for a home
Replies: 14
Views: 1198

Re: Determining "Fair Market Value" for a home

One time my parents moved and the company paid for three appraisals and offered them the average. I thought that was as close to scientific as you can get but you'd have to pay for three appraisals. For a condo don't think that's needed. Unlike agents the appraiser is honored by lending institutions...
by 2comma
Tue Jun 26, 2018 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Lost out on promotion
Replies: 104
Views: 11153

Re: Lost out on promotion

In my work life I've had a couple of bosses that just liked me, a few that were pretty fair and objective and some where we just didn't get along. I've seen myself feeling the same way, some people I love, some I respect for their abilities and some I just don't like.
by 2comma
Sat Jun 23, 2018 11:00 pm
Forum: Personal Consumer Issues
Topic: Garage refrigerator
Replies: 22
Views: 2980

Re: Garage refrigerator

I think it's going to depend on how cold it gets in your garage. Here in the south where it rarely gets below freezing we put fridges in carports and unheated garages with no problems. This article might give you some ideas of what matters with garage refrigerators http://www.appliance-repair-it.com...
by 2comma
Sat Jun 16, 2018 11:56 pm
Forum: Personal Consumer Issues
Topic: Functional Medicine/ managing the costs
Replies: 31
Views: 1682

Re: Functional Medicine/ managing the costs

I have seen patients benefit from functional medicine. Its a disservice to refuse patient autonomy which we hold above all else. If the placebo effect works for a patient, doesn't bankrupt them and doesnt cost a lot, doesnt lead to other things- predatory practices etc, and doesnt cause harm then I...
by 2comma
Sat Jun 16, 2018 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: Take a job with a company being acquired?
Replies: 16
Views: 1665

Re: Take a job with a company being acquired?

it is not uncommon that the acquiring company "plunders" the acquired company. There are, of course, exceptions. I would be "cautious".. [Speak from experience] Neither should you believe just about anything anyone says (or promises). I was at company B twice and that last statement rang very true ...
by 2comma
Sat Jun 16, 2018 7:17 pm
Forum: Personal Consumer Issues
Topic: Chipmunk problem
Replies: 69
Views: 6565

Re: Chipmunk problem

Someone told me to hang the bird feeders on a pole and grease the pole with vaseline. Not only did it work, it's quite entertaining to watch!

I used to think squirrels/chipmunks were smart but I think they are just very, very persistent.
by 2comma
Sat Jun 16, 2018 6:38 pm
Forum: Personal Consumer Issues
Topic: Contractor - Threatening Lien/Lawsuit
Replies: 55
Views: 6935

Re: Contractor - Threatening Lien/Lawsuit

Don't worry he can't do a thing to you. Other than having no case I've been told there isn't a judge alive that hasn't seen their fair share of stupid contractor tricks.

When I've been threatened like this in the past I just tell them "do what you gotta do". That's the end of it every time.
by 2comma
Sat Jun 16, 2018 12:17 pm
Forum: Personal Consumer Issues
Topic: Functional Medicine/ managing the costs
Replies: 31
Views: 1682

Re: Functional Medicine/ managing the costs

Please learn to become a skeptic, a critical thinker. Here is an accurate idea of what "functional medicine" is https://www.skeptic.com/reading_room/why-functional-medicine-is-bogus/ . This isn't medical advice because this stuff isn't medicine except in the sense a witch doctor is practicing medici...
by 2comma
Fri Jun 08, 2018 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house in Florida but you are hundreds of miles away
Replies: 33
Views: 3002

Re: Buying a house in Florida but you are hundreds of miles away

My DS and DIL had an agent walk the house while they used facetime. When they found out the agent missed some obvious things I started going along to help look for issues. It helped them rule out some houses so they didn't waste time when they came to look in person. It also helped that they were fr...
by 2comma
Thu Jun 07, 2018 6:54 pm
Forum: Personal Consumer Issues
Topic: good place to buy kids bedroom furniture
Replies: 15
Views: 839

Re: good place to buy kids bedroom furniture

I like classic old solid wood pieces because it's a lot lighter than "particle board" stuff, holds up for a lifetime and can be refinished/repaired. We frequented antique stores (not fancy ones) and found everything we needed. You have to learn a bit about how good furniture is made and how to spot ...
by 2comma
Tue Jun 05, 2018 10:32 pm
Forum: Personal Consumer Issues
Topic: Water Heaters
Replies: 27
Views: 2364

Re: Water Heaters

Everyone always says replace the anode, but if your water heater anode has never been replaced and it's more than 5 years old I'd say the chances of you being able to get the anode rod to break free with a wrench and come out are slim. You can watch some YouTube videos of plumbers with 5 foot long ...
by 2comma
Tue Jun 05, 2018 9:28 pm
Forum: Personal Consumer Issues
Topic: New AC Unit broken or "feezing". HVAC company says it's my fault for "running it too hard". What can I do?
Replies: 55
Views: 5592

Re: New AC Unit broken or "feezing". HVAC company says it's my fault for "running it too hard". What can I do?

I need some advice with yet another consumer issue. I bought a brand new HVAC system almost exactly 1 year ago from an HVAC company in my area. They installed the system and removed the old system. It worked great through last Summer and Winter, and so far this Spring. I replace the filter every mo...
by 2comma
Tue Jun 05, 2018 1:02 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Financial Illiteracy’s High Cost
Replies: 30
Views: 4124

Re: Larry Swedroe: Financial Illiteracy’s High Cost

Making financial literacy courses part of compulsory education would be a benefit to society. But changing that curriculum is a pretty high hurdle - there is a large amount of inertia and many competing topics. Another path is through self education. This is easier but still a pretty high hurdle. F...
by 2comma
Tue Jun 05, 2018 9:36 am
Forum: Personal Consumer Issues
Topic: Is our monthly Personal money out of line?
Replies: 74
Views: 8152

Re: Is our monthly Personal money out of line?

We buy what we each want but luckily we are both pretty frugal. As I age the limiting factor has become where the hell are we going to put all of this junk! First world...
by 2comma
Tue Jun 05, 2018 8:16 am
Forum: Personal Consumer Issues
Topic: Hole in Garage ceiling, possibly leaving upstairs bedroom hot?
Replies: 35
Views: 2250

Re: Hole in Garage ceiling, possibly leaving upstairs bedroom hot?

My son's bedroom is above our garage. His room has always been temperamental when it comes to heating/cooling. At first, I thought it was garage below....because the garage door is not insulated, so it get's fairly cold in the winter and warm in the summer. We live in the south. We had a plumbing l...
by 2comma
Mon Jun 04, 2018 11:20 pm
Forum: Personal Consumer Issues
Topic: Hole in Garage ceiling, possibly leaving upstairs bedroom hot?
Replies: 35
Views: 2250

Re: Hole in Garage ceiling, possibly leaving upstairs bedroom hot?

I'd be very curious to know what type of attic you have in the bedroom arrea and how it is ventilated? Not likely that much heat enters the room from a few smallish holes in the garage (although codes do require that they be sealed to protect against flame and fumes entering a living space.
by 2comma
Mon Jun 04, 2018 10:12 pm
Forum: Personal Consumer Issues
Topic: Window replacement issue (egress)
Replies: 8
Views: 866

Re: Window replacement issue (egress)

A quick check shows IRC (first floor window) is: Clear opening width ≥ 20" Clear opening height ≥ 24" Minimum clear opening sq.ft. = 5.0 sq.ft. Maximum sill height above the floor = 44" Gee that's a small window you have there. I'd be inclined to just get it done when no ones looking.
by 2comma
Mon Jun 04, 2018 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Employer-subsidized retiree health insurance questions
Replies: 19
Views: 1355

Re: Employer-subsidized retiree health insurance questions

My fortune 500 had retiree health care but froze the amount they paid into it back in 1989. I retired in 2013 at age 58 and as part of a voluntary buyout offer we were given 25k for healthcare expenses (including paying premiums). I calculated it would cover me until almost medicare age but with the...
by 2comma
Sat Jun 02, 2018 1:32 pm
Forum: Personal Consumer Issues
Topic: June in Paris: What to (or not to) wear, see and do?
Replies: 53
Views: 3365

Re: June in Paris: What to (or not to) wear, see and do?

My experience in Paris was everyone who could speak English did from the get-go - somehow they just know. I don't think it was the clothes that gave me away but I do sometimes notice a style difference between US and European clothing. If that what tips them off I'd guess the only way you might fool...
by 2comma
Fri Jun 01, 2018 4:39 pm
Forum: Personal Consumer Issues
Topic: New roof - does this ridge vent look right?
Replies: 40
Views: 4008

Re: New roof - does this ridge vent look right?

I've installed several roofs myself (rent houses) with ridge vents. While unsightly, I do not see any reason for the vent not to function properly. It appears the fasteners were overdriven. I would think it an easy fix for the roofer. I am not sure why they would not address it. On second look of t...
by 2comma
Thu May 31, 2018 3:31 pm
Forum: Personal Consumer Issues
Topic: Advice for assisting 18 year old son after high school
Replies: 70
Views: 5898

Re: Advice for assisting 18 year old son after high school

Thanks to all for the first round of suggestions. We will certainly be the backstop for any major expenses (i.e. car repairs, etc...) for a while and will provide have health insurance until he gets his own. Yes, I think we might have the aunt and uncle perhaps control some of the money for clothes...
by 2comma
Sat May 26, 2018 4:43 pm
Forum: Personal Consumer Issues
Topic: Brick pavers on the edge of my porch are already falling off
Replies: 31
Views: 2560

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

I don't know about the horizontal pavers, but is it possible to adhere unsupported vertical pavers by any method? Doesn't masonry depend on physical support of stone under stone rather than adhesion to support the weight of a stone? Applying the right glue and following the manufacturer's recommend...
by 2comma
Fri May 25, 2018 4:29 pm
Forum: Personal Consumer Issues
Topic: Air Conditioner Questions: Stop Leak & Qualified Technician
Replies: 9
Views: 860

Re: Air Conditioner Questions: Stop Leak & Qualified Technician

I started watching HVAC repair guys on youtube because I wanted to be able to diagnose and fix a few simple problems (like replacing the capacitor). It's been a while and I forget quick but it's pretty common for customers to want to just add gas. I don't recall any of them adding a stop leak, in fa...
by 2comma
Fri May 25, 2018 12:03 am
Forum: Investing - Theory, News & General
Topic: Why Edward Jones?
Replies: 92
Views: 17614

Re: Why Edward Jones?

EJ advisors can’t be generalized just like other firms. Each advisor is their own person. I don’t fit into any category mentioned above - and I don’t have sales as a background. I left one career for another and just came here to read about the DIY to see if they were anything like me before I deci...
by 2comma
Tue May 22, 2018 11:25 pm
Forum: Personal Consumer Issues
Topic: Anyone Using Food Sealing Vacuums (eg FoodSaver)?
Replies: 23
Views: 2057

Re: Anyone Using Food Sealing Vacuums (eg FoodSaver)?

One Christmas I got one for my wife (she actually considers kitchen items as gifts). We had discussed the vacuum sealer and she wasn't interested. Now she says it's the second most used small appliance in the kitchen after the coffee maker. She uses it to make single servings after cooking large por...
by 2comma
Sun May 20, 2018 9:54 pm
Forum: Personal Consumer Issues
Topic: Home Depot's Life Proof Rigid Core Vinyl Flooring
Replies: 6
Views: 996

Re: Home Depot's Life Proof Rigid Core Vinyl Flooring

I've never used HD installers but from the tile experts forum I've frequented for years the good ones say they have more work than they can take on so why give HD a cut of their profit. On the other hand the company I use for garage door installations, very good, said they do all of the HD installs ...
by 2comma
Fri May 18, 2018 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: Home Loan from Parents
Replies: 24
Views: 2678

Re: Home Loan from Parents

Can a home loan from financially secure parents to financially secure son/daughter be mutually beneficial? It worked for us. At the time banks were charging 11% and CD's were paying 7% or something like that, and the IRS minimum split the difference at 8% or so, so doing that was a win-win. We put ...
by 2comma
Fri May 18, 2018 6:50 pm
Forum: Personal Consumer Issues
Topic: Attic HVAC: fan doesn't work in AUTO mode and AC on
Replies: 8
Views: 998

Re: Attic HVAC: fan doesn't work in AUTO mode and AC on

I wouldn't bother removing that panel, I think all that's in there is the evaporator coil. I'd basically "follow the wires". Try to follow each wire to see where it goes. Depending on age there may not be a complete "board" per say, maybe just some relay's and other electronics. If you look at any t...
by 2comma
Mon May 14, 2018 10:41 pm
Forum: Personal Consumer Issues
Topic: Stopping unwanted "junk" newspaper
Replies: 60
Views: 17829

Re: Stopping unwanted "junk" newspaper

I too hated receiving these and always just tossed them in the trash. They actually stopped some time ago, I can't remember exactly when. I certainly do not miss them! Same thing happened here, they just stopped but I do see some from time to time in other neighbors driveways so I'm not sure what's...