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: 3091

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 I finally wrapped my head around the numbers; not good at this. I'd pay $3558 interest on a 5 year 3.49% "new' refinance penfed loan. I found Citizens Access that had pretty good CD rates and created a ladder for 4 years (as the money was needed) and came up with $2316 in interest earned so that doesn't work. If I'd had just taken the 0% loan and forgone the $1500 I'd be $816 ahead vs investing in a 4 year CD ladder. I think it's ...
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: 6645

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 reason being that parts are expensive is pure BS; I wouldn't trust him anymore. That's a $100-$150 job on a good day for a handyman who doesn't have a plumbers license and I'm giving him most of that money because 1) he showed up, 2) he made a service call and 3) to cover his overhead.
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: 3091

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 incentive and I'm ok with that. Assuming I could find a 2.5% refinance loan and could find another 3%ish CD rate (Northwest FCU) I just don't if I'd bother or if it's worth it for this amount of money but I'm still pondering. P.S. They financed everything, I didn't have to pay a cent up front. Seems pretty dangerous for someone that doesn't practice delayed gratification... I wish I'd thought to put the max on a rewards credit card but I forgot about t...
by 2comma
Sun Sep 23, 2018 12:04 am
Forum: Personal Consumer Issues
Topic: Bareboat Charter in BVI
Replies: 23
Views: 3977

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: 3091

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 months but it could be 72), I haven't talked to the finance mgr yet to get the exact numbers, that's tomorrow. I was thinking I'd take a 0% loan and keep investing the money but now, to get the deal done, I have a "less than 0% loan" which would cost me almost $5700 in interest on a $39000 loan. That's not going to happen. I've always paid cash for cars but was (incorrectly) thinking I might start tapping into my retirement savings (I'm 63 ...
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: 7270

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: 3887

Re: Should I retire early?

remomnyc wrote: Sat Jul 28, 2018 9:47 pm 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 also paid LTD until 65 but this https://www.disability-benefits-help.or ... disability seems to indicate most only pay for 6 month, scary.
by 2comma
Sat Jul 28, 2018 10:40 pm
Forum: Personal Finance (Not Investing)
Topic: Should I retire early?
Replies: 18
Views: 3887

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 we have enough $. It is not a decision you can be wrong about. Just looking for validation, or things Imay not have thought of to change my mind or show me a different path. You've really got to do some work hear and find out the specifics of what you'll get and when money will come on line or possibly go off line. You need to know when that long term disability ends, is there friend from work that can find out for you? The SS Blue Book https://w...
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: 5027

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 straight to an all in one for simplicity.
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: 3630

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 flooring in our hallway (glue down). We have a slab and because of moisture the opposing layers help keep the expansion/contraction in check. I found the thickest surface with real wood ply under it so I think it was good quality. I immediately scratched/dented it with the pine pull down stairs, not a happy camper. After that it held up pretty good with small dogs sliding across it and all the other abuses a floor takes. Now when I shop for engineered ...
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: 3630

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

ThatGuy wrote: Thu Jul 26, 2018 12:29 pm 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, use epoxy grout.
Our wood look tile doesn't look like wood, it's kind of it's own look and it's pretty darn nice! Yes, the epoxy grout is the way to go in my book (never needs sealing).
by 2comma
Fri Jul 27, 2018 1:28 pm
Forum: Personal Consumer Issues
Topic: Sub-500 laptop *brand* suggestions
Replies: 19
Views: 2642

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 volume. Well, I started looking at competitors and came to the same conclusion as I did the time before, the 13" zenbook had everything I needed. I toyed with buying an acer with a 7th gen i7 but since I couldn't try one out I decided to go with what I know and got the 8th gen core i5/8gb/256SSD. I paid $749 at amazon. I couldn't find a ultra light notebook with those specs for $650. Things you'll want to be aware of the ux330u: Screen is n...
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: 4551

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 sleeps" so you may be fighting a rear guard action on this one. Good luck!
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: 3160

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 and you want to be financially prepared. Good luck. Keep with your plan. Worked for me twice! Employed by a company that had never made a profit and was a subsidiary of a company bought out by GE when "neutron Jack" is at the helm, you better be looking. Second time worked for a company that was the largest hotel/motel outfit in the US with only 6 casinos that garnered 48% of their profits. Some smart CEO might just want to sell off th...
by 2comma
Wed Jul 18, 2018 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Selling mom's house
Replies: 50
Views: 5142

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 decided to lawyer up and fight it out which went on for years. The family story is the lawyers made out the family members got almost nothing and no one was on speaking terms ever again. Sad...
by 2comma
Wed Jul 18, 2018 9:43 am
Forum: Personal Consumer Issues
Topic: Need Help Evaluating HVAC Needs and Quotes
Replies: 22
Views: 3007

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 comparable unit -- straight AC with heat strips -- and said the 30 amp breaker I have will be sufficient if I go with a smaller heat strip. He quoted a price of $3200 for an Ameristar system, which he said was manufactured by Trane. I'm unfamiliar with the brand. If anyone has had experiences with it, good or bad, I'd love to hear from you. I do a lot of DIY and decided to learn how to diagnose and fix simple things in my HVAC (not so much a money ...
by 2comma
Tue Jul 17, 2018 9:35 pm
Forum: Personal Investments
Topic: Heresy: Is It Worth Converting tIRAs to Roth?
Replies: 46
Views: 5399

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. My opinion is I don't know what taxes will do in the future but when/if we are both pulling our pensions and SS and RMDs it probably makes sense to do some Roth conversions.
by 2comma
Sun Jul 15, 2018 10:30 pm
Forum: Personal Consumer Issues
Topic: Seeking advice about "defective" computer
Replies: 22
Views: 2169

Re: Seeking advice about "defective" computer

glock19 wrote: Sun Jul 15, 2018 6:57 pm 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.

Personally, I wouldn't spend my time trying to diagnose a problem on a new computer. It's Dell's problem.
That's what I did when I had a virus problem I couldn't fix or a hardware problem. I like that I can get it back to a known state in a few hours no matter what happened. Messing around and trying to diagnose problems takes a lot more time.
by 2comma
Wed Jul 11, 2018 1:06 am
Forum: Personal Consumer Issues
Topic: Masterbath Remodel - Tub or No Tub ?
Replies: 57
Views: 6583

Re: Masterbath Remodel - Tub or No Tub ?

stan1 wrote: Tue Jul 10, 2018 7:57 pm 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 tub and some older people. If you have at least one tub in the house no problem, if you have no tub it could be a problem for some buyers.
by 2comma
Tue Jul 10, 2018 11:57 pm
Forum: Personal Consumer Issues
Topic: Tool cabinets?
Replies: 32
Views: 3303

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 say my air compressor is my favorite garage tool I didn't know if I'd use it enough or not but now that I think about it that rolling tool box is probably the best purchase I ever made (you'll love yours!). I seem to remember paying special attention to how well the drawers slid and I could tell some I looked at seemed flimsy. I think the larger bottom drawers have ball bearing slides and they work well even heavily loaded. The smaller upper dra...
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: 13882

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 first was a iphone 5c and back then sellers had good close up pictures with the correct lighting so you could see the condition of the screen/corners/back of the phone, it literally looked like new when it arrived. The second an iphone 6plus only had the "stock" pictures you see of Swappa so you could tell the screen wasn't broken but maybe not be able to see small scratches. The phone was in almost new condition. I suspect the fair conditi...
by 2comma
Fri Jun 29, 2018 8:19 pm
Forum: Personal Consumer Issues
Topic: Determining "Fair Market Value" for a home
Replies: 14
Views: 1479

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 and doesn't have any skin in the game.
by 2comma
Tue Jun 26, 2018 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Lost out on promotion
Replies: 104
Views: 13297

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: 3743

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/gara ... rator.html.
by 2comma
Sat Jun 16, 2018 11:56 pm
Forum: Personal Consumer Issues
Topic: Functional Medicine/ managing the costs
Replies: 31
Views: 2321

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'm all for it. Its one thing to be dismissive online and its another thing to see a living breathing human being swear by something that we think is placebo effect when everything else that supposedly has real efficacy fails them and they are still in pain or upset. Oscar Wilde: A cynic is a man who knows the price of everything, and the value of nothing Btw. Faith healing kills people in life threatening situations. Placebos if used properly and...
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: 3711

Re: Take a job with a company being acquired?

dm200 wrote: Sat Jun 16, 2018 4:06 pm 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 for me. In both cases I did my research on what was going on (which was not listening to management) and fled. Two of the best career decisions I ever made. After my experiences I wouldn't consider moving to a company that is about to be acquired.
by 2comma
Sat Jun 16, 2018 7:17 pm
Forum: Personal Consumer Issues
Topic: Chipmunk problem
Replies: 69
Views: 9310

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: 8426

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: 2321

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/wh ... -is-bogus/. This isn't medical advice because this stuff isn't medicine except in the sense a witch doctor is practicing medicine.
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: 3853

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 from this area and knew what neighborhoods they were interested in. If you don't have local knowledge, rent.
by 2comma
Thu Jun 07, 2018 6:54 pm
Forum: Personal Consumer Issues
Topic: good place to buy kids bedroom furniture
Replies: 15
Views: 1319

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 poor construction or materials but we enjoyed the adventure.

My son brags that everything in his 3 year old's room is from Ikea. Quick to complete the shopping task, reasonably priced, functional and looks good. I find the picture assembly instructions very frustrating!
by 2comma
Tue Jun 05, 2018 10:32 pm
Forum: Personal Consumer Issues
Topic: Water Heaters
Replies: 27
Views: 2994

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 breaker bars and the things don't budge. There is a chance you will damage the straps or piping holding the water heater in place as it will start to spin when trying to get the anode out. I'd say don't touch it. After reading all of the anode replacement info on the internet when I replaced my WH I tried to take the anode out of the old one (I think 10-12 years old). After trying a socket wrench, I upped the ante to a breaker bar with a long pie...
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: 6970

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 month or so. Then, yesterday, the AC seemed to be fine through the day (it was 92 degrees) until the evening. I noticed the house was getting warm and the system sounded loud outside my window. I checked the outside unit to see if it was just rattling or something. The HVAC fan was running inside. Long story short, the HVAC guy tells me it's my fault because I ran the system too hard and it froze. I don't believe this, as my thermostat is set for 7...
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: 4846

Re: Larry Swedroe: Financial Illiteracy’s High Cost

PVW wrote: Mon Jun 04, 2018 12:48 pm
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. Financially illiterate or uninterested people tend to follow the herd or stick their head in the sand. I don't know how to convince them that financial literacy is important.
I recall an NPR podcast where they interviewed a classroom where they were teaching "financial literacy". The teacher had the students pick and follow a stock throughout the school year. :oops:
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: 9688

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: 3986

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 leak last summer and I cut a huge 2' x 2' hole in the garage ceiling to check where the leak was. Fixed it, but left the hole. Our garage ceiling was insulated with batt insulation. The bedroom is more like a "bonus room," in today's terms, but in 1996...it's a bedroom. That being said.... I think the main reason for the hvac issues is because his room has vaulted ceilings and no true attic space above his room. So you're looking at the ...
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: 3986

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: 1375

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: 1750

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 rising cost of healthcare, and more people retiring from the company the 25k was gone in about 2-1/2 years. The premiums went from about 450/mo to well over 850 by the time the till was empty. I hear it is over $1100/mo now. No matter, my wife is still working at the company and we will pay about $300/mo until I reach medicare age. I would say you have a very nice but unique benefit from a private corporation. As mentioned above the value is 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: 4583

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 them is by buying some clothes in Paris. They also started with English with my wife and she is Greek!
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: 6609

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 the pictures it might be the vents (thin plastic) were deformed when installed. In that case the heat from the sum might flatten them some. It still looks like sloppy work. I just installed one last week. Mine was a GAF Cobra Rigid Vent 3, looks like the one pictured in SandTrap's pic with the vent sticks out about 1/2" beyond the ridge shingle. It looks like over nailing which they warn you against in the installation instructions. The rigid...
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: 7231

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 and the like after we get him a few initial outfits that are appropriate. And no, no Marines/military for him. That is not his personality. Not off the table if he so chooses, but I doubt it And we all go into this knowing he might only last a few weeks. And that's fine. We still love him, obviously, and will welcome him home if it doesn't work out. And college is still on the table. We have given him many outs to change is mind but I think he w...
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: 4536

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 recommendation can create a bond stronger than even concrete or pavers. But you would need to place some type of temporary support (2×4s) under the stones while the glue is curing. Don't put any load on it while it's curing. TravelforFun I agree. They put tiles in ceilings of steam rooms and such and once the thinset drys it's permanent. Modern adhesives usually have a bond that's stronger than the material they are attached too. Also agree the pavers sho...
by 2comma
Fri May 25, 2018 4:29 pm
Forum: Personal Consumer Issues
Topic: Air Conditioner Questions: Stop Leak & Qualified Technician
Replies: 9
Views: 1193

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 fact I think one or two didn't recommend it and I think it was because it can cause the compressor to fail. I seem to remember them adding a 1-1.5 pounds and making comments that 1.5 was kind of a lot. I think it depends on how quick your loosing gas and how much the gas you need costs per pound (the old stuff is getting expensive). Of course this isn't doing the ozone layer any favors but there aren't any regulations on small residential units lik...
by 2comma
Fri May 25, 2018 12:03 am
Forum: Investing - Theory, News & General
Topic: Why Edward Jones?
Replies: 92
Views: 23568

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 decided to make a career of it. There are EJ advisors I’d never do business with, but others I would. It’s really about the relationship and I understand DIYers have no need, but dang some of the comments overgeneralize. I hope I’m professional and not “professional.” I guess I asked for it to read this one ;) I would like to know what the added value needs to be? Isn’t value subjective? When you add the fees and lost opportunity due to not investing...
by 2comma
Tue May 22, 2018 11:25 pm
Forum: Personal Consumer Issues
Topic: Anyone Using Food Sealing Vacuums (eg FoodSaver)?
Replies: 41
Views: 4372

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 portions, to store leftovers, transparent so you can see what's in there, no spills, can fill the freezer compactly and its great for sealing bags of chips and such. We buy rolls so we can make custom length bags (cheaper) and we usually reuse bags so it really cuts down on the waste.
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: 2193

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 in the area. Maybe it depends on the trade?
by 2comma
Fri May 18, 2018 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: Home Loan from Parents
Replies: 38
Views: 5409

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 about 50% down, and filed formal mortgage paperwork so everyone was protected (my parents if we defaulted, or my siblings if my parents died young, etc). I can't say it's right for every, or even many, families, but it worked out fine for us. Keeping the extra interest in the family made a lot of sense to all of us. Worked for us too. Our landlord died and his beneficiaries offered us a great deal on the house. Not even considering buying but it ...
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: 1735

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 thermostat install manual you can identify what each wire does and then use a jumper wire to mimic what the thermostat would do. One of the terminals is power, you just jump the power to the correct terminal. It's only 24V so it won't shock you (unless you are standing barefoot outside at the compressor and grab the thermostat wire, ask me how I know). I'd start with the thermostat for all the reasons given above but I'm not ho...
by 2comma
Mon May 14, 2018 10:41 pm
Forum: Personal Consumer Issues
Topic: Stopping unwanted "junk" newspaper
Replies: 60
Views: 27790

Re: Stopping unwanted "junk" newspaper

StevieG72 wrote: Mon May 14, 2018 7:37 pm 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 going on. Funny thing is I switched from a propane grill to a charcoal grill and I could really use some newsprint to light the chimney.