Search found 2222 matches

by lthenderson
Mon Sep 25, 2017 10:44 am
Forum: Personal Finance (Not Investing)
Topic: process of credit freeze THAWING for 1 party ?
Replies: 4
Views: 227

Re: process of credit freeze THAWING for 1 party ?

I've only done it once awhile back to get a credit card balance limit raised so I could purchase a block of airline tickets. I asked for the limit raise and they denied it until I thawed my credit at one particular agency. I did so online for just 24 hours and called the credit card company back. Th...
by lthenderson
Mon Sep 25, 2017 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Protecting Checking Account Info
Replies: 8
Views: 410

Re: Protecting Checking Account Info

Rarely write many checks these days and don't keep much of a balance in my checking account so if it gets wiped out, it really isn't much of a financial hardship. I don't think I would write my investment account numbers on anything though and if I needed the money from them, I would transfer it wir...
by lthenderson
Mon Sep 25, 2017 10:32 am
Forum: Personal Consumer Issues
Topic: Do you avoid risky adventures once you have the money?
Replies: 53
Views: 1678

Re: Do you avoid risky adventures once you have the money?

I suppose wealth allows me to get exposed to more risky things but generally any risk is I take is calculated. I probably would have climbed the cliff in your example but then I hike and climb all the time. Had it required me to skateboard on an exposed ledge, I would have turned around and gone bac...
by lthenderson
Mon Sep 25, 2017 9:02 am
Forum: Personal Consumer Issues
Topic: Set up a "reverse auction" to get a deal on buying a car
Replies: 32
Views: 2415

Re: Set up a "reverse auction" to get a deal on buying a car

I just thought I would close out my side in this discussion by saying the following. I have a friend that I trust who sells cars for a living and another acquaintance who owns a dealership, and both of them tell me that email blasts won't get you the best deal on a new car and have listed out the re...
by lthenderson
Mon Sep 25, 2017 8:57 am
Forum: Personal Consumer Issues
Topic: Set up a "reverse auction" to get a deal on buying a car
Replies: 32
Views: 2415

Re: Set up a "reverse auction" to get a deal on buying a car

However, the one point I never see anyone try to poke holes in is what incentive does someone answering 1000 emails a week have to give you their rock bottom price point? My source in the dealership says they give them their email first contact price which is higher than the final email contact pri...
by lthenderson
Mon Sep 25, 2017 8:39 am
Forum: Personal Consumer Issues
Topic: Set up a "reverse auction" to get a deal on buying a car
Replies: 32
Views: 2415

Re: Set up a "reverse auction" to get a deal on buying a car

However, the one point I never see anyone try to poke holes in is what incentive does someone answering 1000 emails a week have to give you their rock bottom price point? My source in the dealership says they give them their email first contact price which is higher than the final email contact pri...
by lthenderson
Sat Sep 23, 2017 6:02 pm
Forum: Personal Consumer Issues
Topic: Anyone used Amazon to buy household goods
Replies: 26
Views: 1760

Re: Anyone used Amazon to buy household goods

I don't simply because I hate reading all the fine print to see if I'm buying a 5 oz bottle or a 65 oz bottle and then figuring out if it is the size I normally buy, etc.
by lthenderson
Sat Sep 23, 2017 5:54 pm
Forum: Personal Consumer Issues
Topic: Question for car guys & gals: Two vs Three Row AWD vehicle...?
Replies: 16
Views: 890

Re: Question for car guys & gals: Two vs Three Row AWD vehicle...?

dbr wrote:
Sat Sep 23, 2017 1:16 pm
Aren't there AWD mini-vans? I have no special recommendation.
I just bought an AWD Toyota Sienna about two months ago. I haven't had it in slick conditions yet but the AWD Toyota RAV4 my wife drives handles great in bad conditions.
by lthenderson
Sat Sep 23, 2017 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Age you retired
Replies: 112
Views: 7284

Re: Age you retired

I was just wondering for those of you retired, at what age did you quit full time work? By this definition, age 39. I do have a spouse that enjoys work and remains employed which provides for healthcare and living off their salary allows our nest egg to multiply many times over. I on the other hand...
by lthenderson
Sat Sep 23, 2017 5:44 pm
Forum: Personal Consumer Issues
Topic: Set up a "reverse auction" to get a deal on buying a car
Replies: 32
Views: 2415

Re: Set up a "reverse auction" to get a deal on buying a car

.. They get thousands of email quote requests a week for their lowest offer. To hire someone to track down those exact models, calculate transportation cost, figure out an "out the door price and conduct numerous email correspondences, by which time that vehicle may have been sold to someone else, ...
by lthenderson
Sat Sep 23, 2017 5:32 pm
Forum: Personal Consumer Issues
Topic: Set up a "reverse auction" to get a deal on buying a car
Replies: 32
Views: 2415

Re: Set up a "reverse auction" to get a deal on buying a car

I know him on a first name basis and proud to consider him a friend. Getting a deal from your buddy is a great way to acquire goods and services. Unfortunately, not everyone has a friend in every sector of the economy. Sometimes, people have to purchase their goods/services from people they don't k...
by lthenderson
Fri Sep 22, 2017 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Age you retired
Replies: 112
Views: 7284

Re: Age you retired

I was just wondering for those of you retired, at what age did you quit full time work? By this definition, age 39. I do have a spouse that enjoys work and remains employed which provides for healthcare and living off their salary allows our nest egg to multiply many times over. I on the other hand...
by lthenderson
Fri Sep 22, 2017 4:26 pm
Forum: Personal Consumer Issues
Topic: Set up a "reverse auction" to get a deal on buying a car
Replies: 32
Views: 2415

Re: Set up a "reverse auction" to get a deal on buying a car

Playing vendors against each other is a time-tested method. If you're getting your house remodeled, would you not call (at least) three contractors to get bids? Time tested doesn't always make it the best. A more accurate analogy would be getting three contractor bids without ever talking to them i...
by lthenderson
Fri Sep 22, 2017 4:18 pm
Forum: Personal Consumer Issues
Topic: Set up a "reverse auction" to get a deal on buying a car
Replies: 32
Views: 2415

Re: Set up a "reverse auction" to get a deal on buying a car

I know him on a first name basis and proud to consider him a friend. Getting a deal from your buddy is a great way to acquire goods and services. Unfortunately, not everyone has a friend in every sector of the economy. Sometimes, people have to purchase their goods/services from people they don't k...
by lthenderson
Fri Sep 22, 2017 4:13 pm
Forum: Personal Consumer Issues
Topic: Gaps in new hardwood flooring
Replies: 50
Views: 2759

Re: Gaps in new hardwood flooring

Now that I've seen the pictures, I definitely think you have a crappy installer. Like the previous poster said, it is most likely a crooked first row installed. I always cherry pick those boards and make sure they are dead on straight. By doing so, it makes the rest of the install go so much easier.
by lthenderson
Fri Sep 22, 2017 8:28 am
Forum: Personal Consumer Issues
Topic: Gaps in new hardwood flooring
Replies: 50
Views: 2759

Re: Gaps in new hardwood flooring

A milling defect would mean that the board at the corner is narrower than the board in the middle. Is this the case? You can easily measure this to verify. If it isn't, the installer is blaming the manufacturer for a poor installation job. Real wood floors are more difficult to install because wood ...
by lthenderson
Fri Sep 22, 2017 8:09 am
Forum: Personal Consumer Issues
Topic: Foreign Currency Conversion Accepted, then Rejected
Replies: 14
Views: 798

Re: Foreign Currency Conversion Accepted, then Rejected

Like others, I just use credit cards with favorable conversion rates and withdraw the minimum of local currency to get by for things I can't charge. How do you get local currency? Like someone else mentioned above, I just hit up an ATM machine. However, the person above suggested knowing your home ...
by lthenderson
Fri Sep 22, 2017 7:56 am
Forum: Personal Consumer Issues
Topic: Set up a "reverse auction" to get a deal on buying a car
Replies: 32
Views: 2415

Re: Set up a "reverse auction" to get a deal on buying a car

I have several close friends in the automotive sales industry, one of them owns a dealership. Assuming you are getting the "best" deal by making dealerships compete against each other for the right to sell a vehicle to an anonymous stranger over the internet that they will most likely never see or ...
by lthenderson
Thu Sep 21, 2017 5:04 pm
Forum: Personal Consumer Issues
Topic: Chest freezers
Replies: 15
Views: 1411

Re: Chest freezers

I wonder when defrosting if food can be temporarily be put in the refrigerator for a few hours without it defrosting too much. The USDA recommends that frozen perishables not be left out at room temperature for more than two hours if you plan to refreeze. Generally reaching a temperature of 40 degr...
by lthenderson
Thu Sep 21, 2017 4:54 pm
Forum: Personal Consumer Issues
Topic: Foreign Currency Conversion Accepted, then Rejected
Replies: 14
Views: 798

Re: Foreign Currency Conversion Accepted, then Rejected

I would expect an uphill battle to win that one. Like others, I just use credit cards with favorable conversion rates and withdraw the minimum of local currency to get by for things I can't charge. What money I have leftover I give away to a local before boarding the plane home or give away as souve...
by lthenderson
Thu Sep 21, 2017 4:52 pm
Forum: Personal Consumer Issues
Topic: Set up a "reverse auction" to get a deal on buying a car
Replies: 32
Views: 2415

Re: Set up a "reverse auction" to get a deal on buying a car

I have several close friends in the automotive sales industry, one of them owns a dealership. Assuming you are getting the "best" deal by making dealerships compete against each other for the right to sell a vehicle to an anonymous stranger over the internet that they will most likely never see or h...
by lthenderson
Thu Sep 21, 2017 4:37 pm
Forum: Personal Consumer Issues
Topic: Vehicle Maintenance App
Replies: 14
Views: 901

Re: Vehicle Maintenance App

I do the old school route. I just write the information down on the inside cover of the vehicle manual in the glove box. If I sell the vehicle, the records transfer seamlessly to the new owner.
by lthenderson
Thu Sep 21, 2017 4:34 pm
Forum: Personal Consumer Issues
Topic: Water Service Line Insurance
Replies: 17
Views: 1252

Re: Water Service Line Insurance

Our town has been getting those mailing as well and similar pricing. The price to hire it done has a lot to do with location. Here in rural America, it runs about $40 a foot to replace your service line lock, stock and barrel. I've heard in some urban centers they charge as much as $200 per linear f...
by lthenderson
Thu Sep 21, 2017 4:15 pm
Forum: Personal Consumer Issues
Topic: Should I even bother with buying a school picture?
Replies: 39
Views: 2778

Re: Should I even bother with buying a school picture?

1) The reviews for this place are abysmal. Lots of parents complaining about the poor quality of their photos, and wanting to get the district to change the vendor. The district has refused.. 2) The order form says they will NOT take his picture unless we prepay online or hand a check before sittin...
by lthenderson
Thu Sep 21, 2017 12:00 pm
Forum: Personal Consumer Issues
Topic: Should I even bother with buying a school picture?
Replies: 39
Views: 2778

Re: Should I even bother with buying a school picture?

1) The reviews for this place are abysmal. Lots of parents complaining about the poor quality of their photos, and wanting to get the district to change the vendor. The district has refused.. 2) The order form says they will NOT take his picture unless we prepay online or hand a check before sittin...
by lthenderson
Thu Sep 21, 2017 8:31 am
Forum: Personal Consumer Issues
Topic: Chest freezers
Replies: 15
Views: 1411

Re: Chest freezers

The first and only time I defrosted my chest freezer was five years ago when we moved. We probably had it five years up to that point. It is getting to the point where the ice is four or five inches thick in some places so I plan on defrosting it here in the next year or two. The previous time I def...
by lthenderson
Wed Sep 20, 2017 9:12 am
Forum: Personal Consumer Issues
Topic: Time for a new laptop?
Replies: 46
Views: 2170

Re: Time for a new laptop?

I gather up old laptops that others are having problems with, reformat the hard drive and install a fresh version of the operating system and give them to a local private school for use. Almost always the problems are user induced and not hardware induced.
by lthenderson
Wed Sep 20, 2017 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Car almost paid off then what?
Replies: 6
Views: 1138

Re: Car almost paid off then what?

Personally I would never own a vehicle that is my largest asset. I would save that money in my other accounts and when the time comes to get another vehicle, consider a much cheaper or used vehicle until your portfolio has grown significantly to where a vehicle is only a very minor part of the total...
by lthenderson
Wed Sep 20, 2017 8:28 am
Forum: Personal Consumer Issues
Topic: Are quality exterior doors worth it?
Replies: 17
Views: 2024

Re: Are quality exterior doors worth it?

It's nice they stand by their work, but warranties are an actuarial bet and the chances of anyone calling in that warranty in decades are essentially zero. I agree. I've seen a lot of doors in houses that are decades old and still in good shape. In fact, I can't think I've ever seen a door fail oth...
by lthenderson
Wed Sep 20, 2017 8:23 am
Forum: Personal Consumer Issues
Topic: Costco vs sams club vs neither.
Replies: 77
Views: 4334

Re: Costco vs sams club vs neither.

I have neither within 150 miles of where I live. I also dislike any big box stores in general so it works out well for me. I wonder why people post things like this that are generally not helpful in anyway? Did you not read the original post? It was asking about Costco vs Sams Club vs Neither. I cl...
by lthenderson
Tue Sep 19, 2017 8:19 pm
Forum: Personal Consumer Issues
Topic: Grass trimmer
Replies: 67
Views: 4264

Re: Grass trimmer

As for straight vs curved, I've never had either one break a shaft, but I would think a curved one would have little more friction through the curved part and thus require a little more power for same RPM. I've broken two curved shafts but I was using them on a farm and under less than ideal condit...
by lthenderson
Tue Sep 19, 2017 8:12 pm
Forum: Personal Consumer Issues
Topic: Help finding a whole house humidifier
Replies: 7
Views: 377

Re: Help finding a whole house humidifier

Since whole house humidifiers take up no floor space and very little space overall, perhaps a picture would be helpful. My whole house humidifier has a footprint of about 160 square inches on the furnace return duct. Mine is from Trane but looks very similar to this one: http://www.alandrileys.com/w...
by lthenderson
Tue Sep 19, 2017 8:07 pm
Forum: Personal Consumer Issues
Topic: Costco vs sams club vs neither.
Replies: 77
Views: 4334

Re: Costco vs sams club vs neither.

I have neither within 150 miles of where I live. I also dislike any big box stores in general so it works out well for me.
by lthenderson
Tue Sep 19, 2017 11:43 am
Forum: Personal Consumer Issues
Topic: Finding contractor for small-ish, hourly job (deck carpentry)
Replies: 19
Views: 1019

Re: Finding contractor for small-ish, hourly job (deck carpentry)

Like others have said, the economy is strong and any sort of handyman or contractor are booked up into next year in my area. I should know as I have spent the last six months trying to get a quote on an addition to my house and only have one after all this time and it was definitely, if I am going t...
by lthenderson
Tue Sep 19, 2017 11:34 am
Forum: Personal Consumer Issues
Topic: How much do you spend on "entertainment"?
Replies: 50
Views: 3184

Re: How much do you spend on "entertainment"?

My entertainment spending runs about $500 a year for a family of five. In that I include our netflix subscription but not cable, books, movie rentals, theater admissions, any itunes purchases and a few other odds and ends. Alcohol and food I categorize separately. As I have gotten older, the movie t...
by lthenderson
Tue Sep 19, 2017 7:53 am
Forum: Personal Consumer Issues
Topic: Any Ford Escape drivers in Boglehead-land?
Replies: 23
Views: 2296

Re: Any Ford Escape drivers in Boglehead-land?

Back in 2015 we test drove an Escape along with a CR-V and a RAV4. Of all of them, I actually liked the Escape the best for how if looked, felt and performed. However my wife who would be driving it doesn't like Fords and the CR-V's were having vibration complaints so we ended up with the RAV4.
by lthenderson
Tue Sep 19, 2017 7:42 am
Forum: Personal Consumer Issues
Topic: house plan computer program
Replies: 2
Views: 302

Re: house plan computer program

I bought Chief Architect a handful of years back and drew up a plan. Flash forward to this spring, I finally decided that we wanted an addition done and hired an architect to do a more polished version than I ever could think of doing. He too used Chief Architect. His plans were so much better than ...
by lthenderson
Mon Sep 18, 2017 4:13 pm
Forum: Personal Consumer Issues
Topic: Super Nintendo Classic edition
Replies: 22
Views: 1277

Re: Super Nintendo Classic edition

For these type of things, I just wait for the following month after they come out and walk into the store and purchase it with ease. It never seems worth the hassle and sometimes price to get it earlier than everyone else. That works just fine when buying products made by a corporation whose execut...
by lthenderson
Mon Sep 18, 2017 4:01 pm
Forum: Personal Consumer Issues
Topic: Car Swap Buy/Sell Timing Strategy
Replies: 20
Views: 857

Re: Car Swap Buy/Sell Timing Strategy

-Pricing shouldn't fluctuate with weather, so I can wait a while as long as I can still find the car/color we want. We are looking for the basic trim but has to have AWD. We just purchased a vehicle with AWD Sienna a month ago and it had to come from a dealership 200+ miles away from our local one ...
by lthenderson
Mon Sep 18, 2017 11:37 am
Forum: Personal Consumer Issues
Topic: Car Swap Buy/Sell Timing Strategy
Replies: 20
Views: 857

Re: Car Swap Buy/Sell Timing Strategy

New car pricing really doesn't fluctuate with the weather per say. It typically declines (or you get better incentives) the closer you get to the release of the new model year. If you are picky at to options, the longer you wait after the release of the new model year, the slimmer your options. Typi...
by lthenderson
Mon Sep 18, 2017 11:29 am
Forum: Personal Consumer Issues
Topic: Super Nintendo Classic edition
Replies: 22
Views: 1277

Re: Super Nintendo Classic edition

For these type of things, I just wait for the following month after they come out and walk into the store and purchase it with ease. It never seems worth the hassle and sometimes price to get it earlier than everyone else.
by lthenderson
Mon Sep 18, 2017 11:18 am
Forum: Personal Consumer Issues
Topic: Sticky family/parental care situation...long post
Replies: 19
Views: 1973

Re: Sticky family/parental care situation...long post

He's on a "chemo pill" (quotes bc that's what they say but sometimes we don't believe them). I kind of side with mouses comments up above but wanted to add that an oral chemo pill is common treatment for many types of cancer including bone cancer. My mom is currently taking a chemo pill for five da...
by lthenderson
Sat Sep 16, 2017 11:31 am
Forum: Personal Consumer Issues
Topic: Rimless Roll-Your-Own Online Eyeglasses Sources
Replies: 3
Views: 448

Re: Rimless Roll-Your-Own Online Eyeglasses Sources

I get mine from EyeBuyDirect as well and have always been pleased with them.
by lthenderson
Fri Sep 15, 2017 10:56 am
Forum: Personal Consumer Issues
Topic: Should I upgrade an old but functional vanity?
Replies: 23
Views: 1331

Re: Should I upgrade an old but functional vanity?

Personally I wouldn't replace the vanity as a whole. Unless you have plans to sell the condo and even then, I doubt replacing the vanity would bring you any more dollars on the transaction. If you want to update it for a more modern look just for personal preference, I would just replace the vanity ...
by lthenderson
Fri Sep 15, 2017 10:48 am
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 17326

Re: Is it really Worth it to brown bag your lunch at work?

Eat away from your desk, with other people. If that means buying a lunch, buy a lunch. If you can brown bag and want to brown bag, brown bag. Just don't eat at your desk. I always did it that way as well. Though being white collar, I always went down to the factory floor and ate my lunch with the a...
by lthenderson
Fri Sep 15, 2017 10:43 am
Forum: Personal Consumer Issues
Topic: Repair 2003 Honda Accord?
Replies: 26
Views: 1672

Re: Repair 2003 Honda Accord?

I am wondering whether I should spend $1700 to replace front CV assemblies, lower control arms, outer tie rod, rack assembly. The Accord has 206K miles a lot of it highway miles.o I am not wanting to buy a brand new Accord becaude I think I can put another 100K miles on it. Any thoughts? I replaced...
by lthenderson
Thu Sep 14, 2017 6:19 pm
Forum: Personal Consumer Issues
Topic: Raising/Eliminating a Drop Ceiling in a Basement
Replies: 6
Views: 540

Re: Raising/Eliminating a Drop Ceiling in a Basement

I was wondering if anyone had any thoughts on spending extra money to get rid of a drop ceiling in a basement. The cost would be an extra $2,000, if it can be done. The contractor would have to see what is inside to determine if the drop can be eliminated. The overall benefit would be a higher ceil...
by lthenderson
Thu Sep 14, 2017 6:08 pm
Forum: Personal Consumer Issues
Topic: Verify credit freeze is active?
Replies: 18
Views: 1793

Re: Verify credit freeze is active?

You can also ask one of your credit cards for a bump in your credit limit. You'll get a letter back that says they couldn't access your credit file. They'll tell you which credit bureau they use and ask you to temporarily unfreeze. This isn't true from what I understand. Companies you have a curren...
by lthenderson
Thu Sep 14, 2017 6:02 pm
Forum: Personal Consumer Issues
Topic: Repair 2003 Honda Accord?
Replies: 26
Views: 1672

Re: Repair 2003 Honda Accord?

I am wondering whether I should spend $1700 to replace front CV assemblies, lower control arms, outer tie rod, rack assembly. The Accord has 206K miles a lot of it highway miles. I am not wanting to buy a brand new Accord becaude I think I can put another 100K miles on it. Any thoughts? I replaced ...
by lthenderson
Thu Sep 14, 2017 6:00 pm
Forum: Personal Consumer Issues
Topic: Can not decide between washing machines
Replies: 47
Views: 2464

Re: Can not decide between washing machines

Any recommendations? Who do you have repair your washing machine when it breaks down? Call them up and ask which ones they rarely work on, i.e. which break down the least. Repair people who work on dozens of these things a week or more are excellent sources of information. Also ask which brands the...