Search found 363 matches

by coalcracker
Wed Feb 21, 2018 6:57 pm
Forum: Personal Consumer Issues
Topic: Recessed 4 inch LEDs: Recommended brands
Replies: 25
Views: 1141

Re: Recessed 4 inch LEDs: Recommended brands

i have many dozens of the Halo RA4 floods and spots in my 1.5 year old home, both inside and out. They are all working very well. Don’t be afraid to go with the 3000k units. They are not too cold. Lutron Maestro dimmers. No flicker. Have you noticed any buzzing with those lights and dimmers? That i...
by coalcracker
Wed Feb 21, 2018 5:46 pm
Forum: Personal Consumer Issues
Topic: Recessed 4 inch LEDs: Recommended brands
Replies: 25
Views: 1141

Re: Recessed 4 inch LEDs: Recommended brands

MichaelRpdx wrote:
Wed Feb 21, 2018 5:42 pm
Why 2700K color?

I've been switching to LEDs. While my wife doesn't know the details she is happy with the 6500K bulbs I'm using.
Yes, I'm a fan of daylight color temps.
I'm very picky about lighting color. If I had 6500k bulbs I'd be sitting around the house in sunglasses 8-)
by coalcracker
Wed Feb 21, 2018 5:22 pm
Forum: Personal Consumer Issues
Topic: Recessed 4 inch LEDs: Recommended brands
Replies: 25
Views: 1141

Re: Recessed 4 inch LEDs: Recommended brands

livesoft wrote:
Wed Feb 21, 2018 5:15 pm
I've seen such lights overheat and cause problems: flickering because they got too hot, then failure.
I'm open to suggestions for alternatives. I had read that LEDs gave off less heat than alternatives.
by coalcracker
Wed Feb 21, 2018 5:08 pm
Forum: Personal Consumer Issues
Topic: Recessed 4 inch LEDs: Recommended brands
Replies: 25
Views: 1141

Recessed 4 inch LEDs: Recommended brands

I'm having a heck of a time researching this subject. I will be using a few dozen of these as part of a large remodeling project, and are looking for the following criteria: 4 inch 2700k color temperature dimmable These can get pricey, so more economical options would be welcome. I'd love to hear pe...
by coalcracker
Wed Feb 07, 2018 12:04 pm
Forum: Personal Consumer Issues
Topic: Radon: basement stair and basement gym considerations
Replies: 11
Views: 1010

Re: Radon: basement stair and basement gym considerations

EagertoLearnMore wrote:
Wed Feb 07, 2018 11:53 am
Radon remediation suggested when level 4.0 or higher so you should definitely remediate.

Hot air rises so it is possible for the air to move upstairs, but why wouldn't you remediate if you are going to use the basement?
Remediation has already been done.
by coalcracker
Wed Feb 07, 2018 11:29 am
Forum: Personal Consumer Issues
Topic: Radon: basement stair and basement gym considerations
Replies: 11
Views: 1010

Radon: basement stair and basement gym considerations

I recently purchased a house which required radon mitigation (levels were 12 pCi/l) with a sub-slab ventilation system and radon exhaust fan. We are doing some remodeling before we occupy the home, which will include a new basement stair. First question: Is it wise to create an basement stair which ...
by coalcracker
Thu Jan 25, 2018 12:52 am
Forum: Personal Consumer Issues
Topic: Smart home lighting: which lights to automate?
Replies: 19
Views: 1591

Re: Smart home lighting: which lights to automate?

Lutron smart switches (Caseta) seem to get the best reviews, but they are pricey at around $50 per switch. I have ~60 switches or so throughout the house. One thing to keep in mind is that anything like this will likely be obsolete in ten years and you might have to pay again to take them out when ...
by coalcracker
Tue Jan 23, 2018 10:44 pm
Forum: Personal Consumer Issues
Topic: Smart home lighting: which lights to automate?
Replies: 19
Views: 1591

Re: Smart home lighting: which lights to automate?

BogleMelon wrote:
Tue Jan 23, 2018 10:37 pm
I wake up in the dark every morning. I decided to automate the bedroom lamp. It cost me $13!
https://www.amazon.com/gp/product/B00MV ... UTF8&psc=1
Very nice, but can you yell at it to turn the lights on? :wink:
by coalcracker
Tue Jan 23, 2018 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: Working in the real world
Replies: 118
Views: 8811

Re: Working in the real world

I grew up in rural Pennsylvania. My father has an associates degree and worked various blue collar and lower/middle management jobs during my life. The most he ever made was around $50k/yr. My mother was trained as a speech pathologist but took about 10 years off to raise me and my siblings. During ...
by coalcracker
Tue Jan 23, 2018 9:45 pm
Forum: Personal Consumer Issues
Topic: Smart home lighting: which lights to automate?
Replies: 19
Views: 1591

Smart home lighting: which lights to automate?

I purchased a home that will need fairly extensive remodeling before we move, part of which will be an update of many of the (fluorescent) lighting fixtures. There is also some knob and tube wiring, so we will be doing close to a complete overhaul of the electrical system. As part of this, I'd like ...
by coalcracker
Wed Jan 17, 2018 8:38 am
Forum: Personal Consumer Issues
Topic: AJ Madison?
Replies: 11
Views: 1121

AJ Madison?

I am in the market for a new appliance suite for a kitchen remodel, and AJ Madison keeps popping up on my Google searches for different appliances. They tout free delivery nationwide (they are domiciled in Brooklyn), price matches, etc. I am in PA, so one big downside would be lack of installation s...
by coalcracker
Fri Dec 08, 2017 9:10 am
Forum: Investing - Help with Personal Investments
Topic: Want to sell my Bitcoin, but when?
Replies: 90
Views: 8922

Re: Want to sell my Bitcoin, but when?

OP UPDATE:

I have completely sold my bitcoin and ethereum in several "lots" over the course of this week (via Coinbase). The end value deposited into my checking account was $25,063 on a $7,000 initial investment, for a 258% ROI since July.
by coalcracker
Wed Dec 06, 2017 8:41 am
Forum: Investing - Help with Personal Investments
Topic: Want to sell my Bitcoin, but when?
Replies: 90
Views: 8922

Re: Want to sell my Bitcoin, but when?

Not a soothsayer, but, like you, I am holding a small position in crypto (BTC, ETH, LTC and BTG). Looking at it today and something in me is screaming "sell", but I don't think I can (lol..). I kind of feel like a member of the Titanic's band, but I kind of think I'll just ride it out a bit and see...
by coalcracker
Fri Dec 01, 2017 7:15 pm
Forum: Investing - Help with Personal Investments
Topic: Want to sell my Bitcoin, but when?
Replies: 90
Views: 8922

Re: Want to sell my Bitcoin, but when?

quantAndHold wrote:
Fri Dec 01, 2017 7:12 pm
Where does bitcoin fit in your overall asset allocation?
Play money. The initial investment was less than a biweekly paycheck. It's current value is about 0.5% of my net worth.
by coalcracker
Fri Dec 01, 2017 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: Want to sell my Bitcoin, but when?
Replies: 90
Views: 8922

Want to sell my Bitcoin, but when?

I bought about $7000 worth of Bitcoin and Ethereum in July as an experiment and learning process. Well, it is now worth about $21,000. I had planned to buy and hold until July 2018 so any gains would be long-term, but the recent run-up has me worrying the bubble pop may come sooner. I can afford to ...
by coalcracker
Sun Oct 22, 2017 8:09 pm
Forum: Personal Consumer Issues
Topic: Installing a slide inside a home?
Replies: 39
Views: 3009

Re: Installing a slide inside a home?

If the slide entrance is hidden in an upstairs closet do you want the kids going through the closet to use the slide? The slide will take up space in the closet (floor, wall) that could be used for storage. Does the house have plenty of storage? Do you want your kids friends using the slide when yo...
by coalcracker
Sun Oct 22, 2017 8:06 pm
Forum: Personal Consumer Issues
Topic: Installing a slide inside a home?
Replies: 39
Views: 3009

Re: Installing a slide inside a home?

What does the building code say about something like this? A secret room would probably be more appealing to your children and for a longer period and more useful in the long run, so you might consider that instead. I don't know anyone who wouldn't like having a secret room in their house. I would ...
by coalcracker
Sun Oct 22, 2017 8:03 pm
Forum: Personal Consumer Issues
Topic: Installing a slide inside a home?
Replies: 39
Views: 3009

Re: Installing a slide inside a home?

stan1 wrote:
Sun Oct 22, 2017 8:00 pm
Now if it could double as a laundry chute that might help get more people on board with the slide.
Or a garbage chute. Just make sure there is not a trash compactor on the other end, a la Star Wars. :wink:
by coalcracker
Sun Oct 22, 2017 7:56 pm
Forum: Personal Consumer Issues
Topic: Installing a slide inside a home?
Replies: 39
Views: 3009

Re: Installing a slide inside a home?

If the slide entrance is hidden in an upstairs closet do you want the kids going through the closet to use the slide? The slide will take up space in the closet (floor, wall) that could be used for storage. Does the house have plenty of storage? Do you want your kids friends using the slide when yo...
by coalcracker
Sun Oct 22, 2017 7:46 pm
Forum: Personal Consumer Issues
Topic: Installing a slide inside a home?
Replies: 39
Views: 3009

Installing a slide inside a home?

I will be closing soon on a new home which is a beautiful home and property in great structural shape, but one which needs some "spiffing up" in the form floor refinishing, carpet removal, and bathroom updating. It won't be a complete gut job, but we want to get the house as close to our ideal home ...
by coalcracker
Sun Sep 10, 2017 1:29 pm
Forum: Investing - Help with Personal Investments
Topic: Capital gains in retirement with no earned income: Is this right?
Replies: 8
Views: 937

Re: Capital gains in retirement with no earned income: Is this right?

Perhaps you have a bum calculator. I got 0 using one. Try some others and get a majority vote. A few things to check.......your income (gross) is 70K. See line 13 of the 1040 which is capital GAINS.......it is not proceeds from stock sale. Your taxable income is your AGI less deductions and exempti...
by coalcracker
Sun Sep 10, 2017 12:50 pm
Forum: Investing - Help with Personal Investments
Topic: Capital gains in retirement with no earned income: Is this right?
Replies: 8
Views: 937

Capital gains in retirement with no earned income: Is this right?

Let me see if I have this straight: I retire at the age of 45 and plan to live solely off dividends and the sale of taxable investments, with long-term capital gains. My wife and I will not be working and will earn no income. We will need ~120k per year to cover expenses. From that $120k, let's assu...
by coalcracker
Thu Sep 07, 2017 8:43 am
Forum: Personal Consumer Issues
Topic: Vacation after minor hurricane?
Replies: 25
Views: 2276

Re: Vacation after minor hurricane?

We were on Hilton Head Island in December 2016, two months after it got hammered by Matthew. We stayed at the Marriott Surfwatch, close to Chaplin Park. The park was closed and was a receiving/processing area for all the downed trees on HHI that damaged property and blocked roads. An endless parade...
by coalcracker
Thu Sep 07, 2017 5:37 am
Forum: Personal Consumer Issues
Topic: Vacation after minor hurricane?
Replies: 25
Views: 2276

Re: Vacation after minor hurricane?

If we go, we may end up driving instead of flying. Regardless, the current (probably inaccurate) forecast for the Wednesday we would arrive is 83 and sunny. I have no experience with tropical storms or hurricanes, so I am trying to get a sense of the damage with this kind of storm in a low-lying, co...
by coalcracker
Thu Sep 07, 2017 5:19 am
Forum: Personal Consumer Issues
Topic: Vacation after minor hurricane?
Replies: 25
Views: 2276

Vacation after minor hurricane?

We are scheduled to leave on Saturday for a 10-day trip to Hilton Head, SC. As we stay apprised of the current forecast, we are considering alternative plans short of scrapping the whole trip. Our VRBO hosts have offered to push back the rental so that we arrive on Wednesday rather than Saturday. Th...
by coalcracker
Thu Aug 31, 2017 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage Loan-to-Value Ratio Effect on Rate?
Replies: 4
Views: 406

Mortgage Loan-to-Value Ratio Effect on Rate?

I am in the early stages of purchasing a home privately. The seller and I have agreed on a price, but now it's time for the paperwork. In anticipation of this purchase, we are sitting on a large cash reserve. We plan to use some of this money for a down payment and some for remodeling of the new hom...
by coalcracker
Wed Aug 23, 2017 9:04 am
Forum: Personal Consumer Issues
Topic: Would you hire an obese nanny?
Replies: 81
Views: 3798

Re: Would you hire an obese nanny?

To those who have taken offense at this topic: How is my concern about obesity different from my concern about other health issues when hiring a nanny? What if, as another commenter mentioned, the concern was seizures instead of obesity? Or a previous stroke with limited strength in one arm? Or sev...
by coalcracker
Wed Aug 23, 2017 8:16 am
Forum: Personal Consumer Issues
Topic: Would you hire an obese nanny?
Replies: 81
Views: 3798

Re: Would you hire an obese nanny?

To those who have taken offense at this topic: How is my concern about obesity different from my concern about other health issues when hiring a nanny? What if, as another commenter mentioned, the concern was seizures instead of obesity? Or a previous stroke with limited strength in one arm? Or seve...
by coalcracker
Wed Aug 23, 2017 8:09 am
Forum: Personal Consumer Issues
Topic: Would you hire an obese nanny?
Replies: 81
Views: 3798

Re: Would you hire an obese nanny?

What are your alternatives? What does your spouse think? Sometimes the power of two minds is the best way to work through a complex family dilemma. I don't think you'll get much help from others on this very personal decision. We have one or two other candidates who could work, but this nanny is ou...
by coalcracker
Wed Aug 23, 2017 8:07 am
Forum: Personal Consumer Issues
Topic: Would you hire an obese nanny?
Replies: 81
Views: 3798

Re: Would you hire an obese nanny?

My oh my..a person's weight does not define their abilities, character, personality, caring, loving. You should realize there are certainly obese persons on this forum, or they love persons who are obese. I do. This thread would surely hurt them as it does I.. I apologize if you were hurt by my com...
by coalcracker
Wed Aug 23, 2017 7:28 am
Forum: Personal Consumer Issues
Topic: Would you hire an obese nanny?
Replies: 81
Views: 3798

Would you hire an obese nanny?

I am currently interviewing nannies to care for my infant and 3-year-old. Our top candidate so far is ideal for us in many ways, but she is also morbidly obese. I would estimate she is about 5'5" and weights in excess of 300 pounds. She carries herself well, and I am not particularly concerned about...
by coalcracker
Wed Apr 19, 2017 8:47 am
Forum: Personal Consumer Issues
Topic: Tips on Uber
Replies: 77
Views: 7750

Re: Tips on Uber

I have used Uber a fair amount and don't tip. On a recent tip to Vegas, I used the local taxi instead of Uber (there was a convenient line right outside my hotel). The credit card reader offered tip options of 20, 30, or 40%. After tipping *only* 10% in cash, I got a dirty look, no help with my bags...
by coalcracker
Thu Apr 06, 2017 10:22 pm
Forum: Personal Consumer Issues
Topic: Is anyone using Apple CarPlay? My preferred car company isn't...
Replies: 33
Views: 3070

Re: Is anyone using Apple CarPlay? My preferred car company isn't...

I eagerly anticipate the day that an "Apple TV" equivalent can be plugged into any car stereo system. I'm not too familiar with all that's out there, but it seems most car computer tech is stuck in the early 2000s (perhaps with the exception of Tesla). I am sympathetic that car manufacturers have wh...
by coalcracker
Fri Mar 31, 2017 9:36 pm
Forum: Personal Consumer Issues
Topic: At what age were your kids potty trained?
Replies: 16
Views: 1760

Re: At what age were your kids potty trained?

Be careful what you wish for :twisted: I considered our son trained right around 3 when he rarely had accidents (maybe 1/month) and went to the bathroom on his own at home, without prompting. However this also means he wanted to "clean up" on his own, which can sometimes mean a substantial secondary...
by coalcracker
Mon Mar 27, 2017 8:52 pm
Forum: Investing - Help with Personal Investments
Topic: Large capital loss, how to think about harvesting.
Replies: 10
Views: 1070

Re: Large capital loss, how to think about harvesting.

In extricating ourselves from a limited partnership, we will claim a capital loss of ~$184,000 for 2016. For better or worse, I had not planned to use tax loss harvesting before this event, but now I must educate myself on what to do with this "windfall". I have a basic understanding of the ability...
by coalcracker
Mon Mar 27, 2017 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: Large capital loss, how to think about harvesting.
Replies: 10
Views: 1070

Large capital loss, how to think about harvesting.

In extricating ourselves from a limited partnership, we will claim a capital loss of ~$184,000 for 2016. For better or worse, I had not planned to use tax loss harvesting before this event, but now I must educate myself on what to do with this "windfall". I have a basic understanding of the ability ...
by coalcracker
Wed Mar 22, 2017 8:43 am
Forum: Personal Consumer Issues
Topic: Winter Travel
Replies: 29
Views: 2875

Re: Winter Travel

You didn't mention Germany, perhaps because some of you have already been there. My wife and I spent a magical week in southern Germany in December when we were in college. The Christmas markets were wonderful, and we just loved wandering around taking in the atmosphere. We also visited the area aro...
by coalcracker
Wed Mar 22, 2017 7:24 am
Forum: Personal Consumer Issues
Topic: Adults trip in May to Zion and Bryce National Parks
Replies: 21
Views: 2625

Re: Adults trip in May to Zion and Bryce National Parks

You will read and everyone will tell you that Angel's Landing is the most spectacular hike in Zion, and I agree. It's quite, let's say, dramatic near the top, so I would not recommend it if you have a significant fear of heights (check out google's images before you go). The hike is strenuous, but y...
by coalcracker
Fri Mar 17, 2017 2:00 pm
Forum: Personal Consumer Issues
Topic: Suspicious organic products
Replies: 101
Views: 7465

Re: Suspicious organic products

I always get a laugh at the "all natural" labels on products these days. People seem to forget how much of "nature" is poisonous.
by coalcracker
Thu Mar 16, 2017 3:23 pm
Forum: Personal Consumer Issues
Topic: Quiet Bedroom overhead fan
Replies: 25
Views: 2148

Re: Quiet Bedroom overhead fan

I am not a scientist, but I do not think a fan can move air without making noise. Even the bladeless Dyson fans/air movers make noise. Perhaps if it is nearly silent, it isn't moving much air. Checking the balance is a good start but it will only do so much. We splurged on a Haiku ceiling fan when ...
by coalcracker
Thu Mar 16, 2017 2:16 pm
Forum: Personal Consumer Issues
Topic: Quiet Bedroom overhead fan
Replies: 25
Views: 2148

Re: Quiet Bedroom overhead fan

I am not a scientist, but I do not think a fan can move air without making noise. Even the bladeless Dyson fans/air movers make noise. Perhaps if it is nearly silent, it isn't moving much air. Checking the balance is a good start but it will only do so much. We splurged on a Haiku ceiling fan when ...
by coalcracker
Tue Mar 14, 2017 1:43 pm
Forum: Personal Consumer Issues
Topic: Time Saving Tactics: Kids Edition
Replies: 57
Views: 4485

Re: Time Saving Tactics: Kids Edition

Dishes are washed immediately after use and put into dishwasher, which is turned on every Saturday morning - maybe 2mins a day washing the dishes and then a few minutes to turn on and then unload the dishwasher once a week. When things are taken out, they are put back when they are finished being u...
by coalcracker
Sun Mar 05, 2017 8:47 am
Forum: Personal Consumer Issues
Topic: London (UK) Recommendations – Theater, Comedy, Tea, Activities
Replies: 8
Views: 925

Re: London (UK) Recommendations – Theater, Comedy, Tea, Activities

We visited London with our son and grandma last October. As the saying goes: If you are bored of London, you are bored of life. So, there is no shortage of volume and variety in activities. I would recommend taking the water taxi. You can pick it up in central London, near Big Ben, for example, and ...
by coalcracker
Thu Mar 02, 2017 9:05 am
Forum: Investing - Help with Personal Investments
Topic: Possibly Financially Independent and Feeling Miserable
Replies: 153
Views: 19103

Re: Possibly Financially Independent and Feeling Miserable

Reading this thread, the fact that you (OP) don't have any hobbies grabbed me. Assuming I continue to save at the same rate, my finances will be similar to yours when I am around 42/43, and I could conceivably retire early. Fortunately, my profession should allow me to cut back to 50% time--and my w...
by coalcracker
Mon Feb 27, 2017 2:16 pm
Forum: Personal Consumer Issues
Topic: Do you clear your inbox?
Replies: 49
Views: 4395

Re: Do you clear your inbox?

I suspect that the folks who keep their inbox empty are the same ones who keep their desk clean, and the ones who let items linger in their inbox have lots of stuff on their desk as well. Either style can work if it fits your personality. I'm firmly in the large inbox/messy desk camp myself. I thin...
by coalcracker
Mon Feb 27, 2017 8:51 am
Forum: Personal Consumer Issues
Topic: Do you clear your inbox?
Replies: 49
Views: 4395

Do you clear your inbox?

In years past, I would routinely delete emails so that my inbox rarely exceeded a satisfying one page, with some older emails organized into folders. As jobs and family made life more busy, I found my delete-fests occurred less and less often. Now, if I don't delete the email immediately, it remains...
by coalcracker
Sun Feb 26, 2017 7:23 am
Forum: Investing - Help with Personal Investments
Topic: Donating Vanguard Admiral shares to Fidelity Charitable
Replies: 11
Views: 1331

Re: Donating Vanguard Admiral shares to Fidelity Charitable

I have donated appreciated taxable shares in Vanguard mutual funds to Fidelity charitable in each of the past 4 years. First, set up a Fidelity Charitable account. Then, call the rep at Fidelity Charitable and let them guide you through it. In short, you fill out a form indicating which Vanguard mut...
by coalcracker
Sun Feb 26, 2017 6:10 am
Forum: Personal Consumer Issues
Topic: moving from landscaper/snow plower to diy in retirement
Replies: 44
Views: 3744

Re: moving from landscaper/snow plower to diy in retirement

What about a heated driveway? If I were looking to buy a house with a long driveway in cold winter climate, that would be a big selling point.

Do you need to save the money, or just feel compelled to do it because you now have time?
by coalcracker
Tue Feb 21, 2017 11:16 am
Forum: Personal Consumer Issues
Topic: Anyone have a house keeper ("Mommy's" helper)?
Replies: 23
Views: 2913

Re: Anyone have a house keeper?

Thanks for the replies. We do have a house cleaner who comes over every other week. Organizing would help a lot (we may seek professional consultation), but we'll still have dishes, laundry, cooking, grocery shopping, clean-up to do. Ideally the person would come over 2-3 hours a day, maybe 3-5 day...
by coalcracker
Fri Feb 17, 2017 10:43 am
Forum: Personal Consumer Issues
Topic: Vietnam
Replies: 31
Views: 3384

Re: Vietnam

One of my most vivid memories in Hanoi was crossing the streets. We called it the "zombie walk" because you just had to walk slowly and steadily and let the (mostly motorbike) traffic flow around you. Everyone did it. Otherwise you might wait 15 minutes to cross on the busier roads. Find a place to ...