Search found 3039 matches

by lthenderson
Mon May 21, 2018 2:55 pm
Forum: Personal Consumer Issues
Topic: International travel for Christmas
Replies: 11
Views: 327

Re: International travel for Christmas

I've spent a number of Christmas seasons in the Philippines over the years. Definitely a unique experience as they celebrate Christmas and New Years with millions of tons of fireworks. Think about the most intense firework you have seen in the U.S. and stretch that out for over six continuous days w...
by lthenderson
Mon May 21, 2018 9:08 am
Forum: Personal Consumer Issues
Topic: Re: done with Gmail
Replies: 74
Views: 6633

Re: done with Gmail

My main issue with Gmail now is the 3-5 days before they will address the problem. A paid email, with good service should resolve in hours. This is certainly something you'll want to check into as you explore paid services. I'm not sure I'd just assume that because it's paid, it "should" resolve so...
by lthenderson
Sun May 20, 2018 7:52 pm
Forum: Personal Consumer Issues
Topic: Scholarships for elementary school education
Replies: 5
Views: 432

Re: Scholarships for elementary school education

Our state has a School Tuition Organization (STO) to help finance tuition for those in need. Essentially people get tax incentives to give money to the STO and it is divided out to those in need. I would check if your state has something similar. In general however, as someone who sits on a private ...
by lthenderson
Sun May 20, 2018 8:21 am
Forum: Personal Consumer Issues
Topic: Detached Garage
Replies: 18
Views: 2074

Re: Detached Garage

I agree a couple of cracks here and there in the slab wouldn’t be such a big deal. I was thinking however if I decided to sheetrock the walls in the future will the settlement of the slab cause cracks in the sheetrock that will have to be patched frequently. I've done both methods many times and if...
by lthenderson
Sun May 20, 2018 8:11 am
Forum: Personal Consumer Issues
Topic: Moving to Texas - [Request for clothes, car window tint] recommendations
Replies: 41
Views: 2557

Re: Moving to Texas - [Request for clothes, car window tint] recommendations

And I guess get used to these stupid stereo types. I live in an area with over 7 million people, can't remember the last time I saw a cowboy hat or gun rack. x2 (though the Austin area is quite a bit smaller than 7 million). I've never seen a gun rack in ANY vehicle here, and I'm on the outskirts o...
by lthenderson
Fri May 18, 2018 7:46 pm
Forum: Personal Consumer Issues
Topic: Anyone have a Walabot (imaging sensor for wires, pipes, studs in walls)?
Replies: 24
Views: 2532

Re: Anyone have a Walabot (imaging sensor for wires, pipes, studs in walls)?

This has been my go to stud finder for over a decade. No calibration, no waiting, no fail. It simply lights up the lights on the array with a stud underneath.

https://www.amazon.com/ProSensor-710-Fr ... B0064EICKG
by lthenderson
Fri May 18, 2018 8:43 am
Forum: Personal Consumer Issues
Topic: Renting storage unit
Replies: 24
Views: 1660

Re: Renting storage unit

As someone who attends storage auctions several times a year, it isn't worth it not only monetarily, but also physically. I supposed if you live somewhere that has climate controlled vermin proof lockers, it might protect your stuff from damage but then it would probably cost a lot more than the stu...
by lthenderson
Fri May 18, 2018 8:34 am
Forum: Personal Finance (Not Investing)
Topic: Surgeon salary vs owning a business salary/profit?
Replies: 47
Views: 3952

Re: Surgeon salary vs owning a business salary/profit?

I think you're asking the wrong questions. You're setting yourself up for failure and a miserable life if you first decide on compensation and then work your way backwards. Doesn't really work that way. The numbers you throw out there seem, to me, to be higher than what most general surgeons clear,...
by lthenderson
Fri May 18, 2018 8:26 am
Forum: Personal Finance (Not Investing)
Topic: I will be laid off but can not get unemployment benefits?
Replies: 26
Views: 3805

Re: I will be laid off but can not get unemployment benefits?

The severance package is big enough to make me happy and the package has lump sum payment so that we can get unemployment benefits after we are laid off I'm sure this might depend on the state but in the past when I have received a lump sum severance payment, I was unable to collect unemployment im...
by lthenderson
Wed May 16, 2018 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: I will be laid off but can not get unemployment benefits?
Replies: 26
Views: 3805

Re: I will be laid off but can not get unemployment benefits?

The severance package is big enough to make me happy and the package has lump sum payment so that we can get unemployment benefits after we are laid off I'm sure this might depend on the state but in the past when I have received a lump sum severance payment, I was unable to collect unemployment im...
by lthenderson
Wed May 16, 2018 8:41 pm
Forum: Personal Consumer Issues
Topic: Rent Car before Buying
Replies: 19
Views: 1205

Re: Rent Car before Buying

We're likely to end up on Toyota/Honda/Subaru models which i don't find on any rental websites in our area. I rent from the dealer that sells them. Often times they will let you have it for a couple days no charge or for a token fee. If you come back with a 1000 miles on the odometer, they might wa...
by lthenderson
Tue May 15, 2018 4:30 pm
Forum: Personal Consumer Issues
Topic: keyless ignitions and carbon monoxide
Replies: 80
Views: 4153

Re: keyless ignitions and carbon monoxide

Unless you put a fifty cent wire lock pin in the quick release handle. Then the break-into-the-garage-trick no longer works and it adds a second or two for the owner to pull the release pin in the rare case the electricity goes out and you need to leave. This is much more convenient than having to ...
by lthenderson
Tue May 15, 2018 2:11 pm
Forum: Personal Consumer Issues
Topic: keyless ignitions and carbon monoxide
Replies: 80
Views: 4153

Re: keyless ignitions and carbon monoxide

Unless you put a fifty cent wire lock pin in the quick release handle. Then the break-into-the-garage-trick no longer works and it adds a second or two for the owner to pull the release pin in the rare case the electricity goes out and you need to leave. This is much more convenient than having to ...
by lthenderson
Tue May 15, 2018 1:27 pm
Forum: Local Chapters and Bogleheads Community
Topic: How did you fall in love with investing?
Replies: 46
Views: 2280

Re: How did you fall in love with investing?

About ten years ago I was getting burnt out career wise and had almost all my portfolio tied up in company stock. I started researching how to invest all that money which eventually led me to this site and Bogleheads Guide to Investing. After I finished reading that book I was convinced so I sold my...
by lthenderson
Tue May 15, 2018 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Experian and Temporary Credit Thaw
Replies: 4
Views: 359

Re: Experian and Temporary Credit Thaw

I've always just waited until whomever sent me a letter saying they couldn't do what was needed due to not being able to access my credit and providing me with a phone number if I disagree. Once I get that letter, I go online and unfreeze my account for a day, call the number on the letter and get w...
by lthenderson
Tue May 15, 2018 1:04 pm
Forum: Personal Consumer Issues
Topic: keyless ignitions and carbon monoxide
Replies: 80
Views: 4153

Re: keyless ignitions and carbon monoxide

I am assuming most people that park in the garage don't need a key to get into the house...At least i Know i never lock the door that leads into the house from the garage. You might want to Google how to open a garage door that is shut by an opener. In short, it takes about 15 seconds... We always ...
by lthenderson
Tue May 15, 2018 12:56 pm
Forum: Personal Consumer Issues
Topic: Interesting/Playful ideas for 1 year baby
Replies: 37
Views: 1486

Re: Interesting/Playful ideas for 1 year baby

At one year old, they just did whatever I did. Mostly it involved watching me and playing with whatever was handy. I find the hardest stage to keep them entertained is between when they start talking so you can understand them and before they can read.
by lthenderson
Tue May 15, 2018 12:51 pm
Forum: Personal Consumer Issues
Topic: Helping someone with Cancer
Replies: 21
Views: 1304

Re: Helping someone with Cancer

djpeteski wrote:
Tue May 15, 2018 12:41 pm
So we attended a fundraiser for her, a couple of years back, that also had a silent auction. I could not bring myself to overpay for the items being auctioned, yet I had no issue with handing her a few hundred bucks. Very weird of me.
I'm exactly like that too.
by lthenderson
Tue May 15, 2018 12:50 pm
Forum: Personal Consumer Issues
Topic: Debating whether to rebuild tractor or buy a new zero turn
Replies: 27
Views: 1413

Re: Debating whether to rebuild tractor or buy a new zero turn

Having been raised on a farm, I'm kind of partial to option two of getting a rebuilt engine and fixing up the tractor. They are awfully handy to have around.
by lthenderson
Tue May 15, 2018 10:19 am
Forum: Personal Consumer Issues
Topic: Company shows only 30-50% of the time to build screened porch
Replies: 10
Views: 856

Re: Company shows only 30-50% of the time to build screened porch

I would start by letting the VP know that if things don't change immediately and drastically, I will be contacting the Better Business Bureau and filing a complaint.
by lthenderson
Tue May 15, 2018 9:19 am
Forum: Personal Consumer Issues
Topic: Moving Books
Replies: 7
Views: 624

Re: Moving Books

I too have stored books many years in small cardboard boxes. Like the person above, I suggest getting a smaller size than the U-Haul ones labeled "book" boxes. They were way too big and couldn't support stacking without destroying the box. Store the books so they are flat rather than with the spine ...
by lthenderson
Tue May 15, 2018 9:13 am
Forum: Personal Consumer Issues
Topic: Helping someone with Cancer
Replies: 21
Views: 1304

Re: Helping someone with Cancer

Hi Everyone, Sadly I just found out that a former and very close co-worker of mine has come down with stage 3 cancer. She's a young mother of 2 (literally had her 2nd baby a couple weeks of ago). She's having surgery this Friday and will undergo chemo afterwards. I'd like to do something for her an...
by lthenderson
Tue May 15, 2018 9:05 am
Forum: Personal Consumer Issues
Topic: Ratio of car repair cost to car's value?
Replies: 17
Views: 1378

Re: Ratio of car repair cost to car's value?

livesoft wrote:
Mon May 14, 2018 5:21 pm
I always used "future use" rather than your ratio. For instance, if I thought I could get another 25,000 miles out of a repair, I might spend $2,500.

You might figure you cost-per-mile over the past 10 years and use that instead of 10 cents a mile or whatever.
+1 Exactly what I do.
by lthenderson
Tue May 15, 2018 9:03 am
Forum: Personal Consumer Issues
Topic: Advice for first time homebuyer
Replies: 12
Views: 991

Re: Advice for first time homebuyer

Do as much cosmetic work before your boxes enter the door like painting, cleaning the carpet/floors, etc. It is much easier than shuffling things around. Also, when having lots of help or hiring someone, we labeled all our boxes with a name and sometimes a letter like Bedroom A, Bathroom B, etc. The...
by lthenderson
Tue May 15, 2018 8:58 am
Forum: Personal Consumer Issues
Topic: Travel trailers RVs etc
Replies: 14
Views: 1499

Re: Travel trailers RVs etc

What is or was the benefit for you, especially compared to car and hotel travel? This is a key point for us. What did you use? Would you do it again? Any regrets? With an RV, you can take with you a small hibachi grill and you have a kitchenette in the trailer so you can so quite a bit of cooking a...
by lthenderson
Tue May 15, 2018 8:51 am
Forum: Personal Consumer Issues
Topic: keyless ignitions and carbon monoxide
Replies: 80
Views: 4153

Re: keyless ignitions and carbon monoxide

I've been known to hit the freaking PANIC BUTTON on the stupid fob in my pocket, causing the horn to honk incessantly. Talk about stupid useless features... That sounds like someone who's never been a woman alone in a parking garage at night.. For the record, the NYT story has nothing to do with re...
by lthenderson
Mon May 14, 2018 1:56 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3026
Views: 931570

Re: What Book Are You Currently Reading? Part VI

I just finished "Coop: A Year of Poultry, Pigs and Parenting" by Michael Perry. This is the third book by Michael Perry that I've read and pretty much continues where the previous two, (Population 485 and Truck) left off. This book covers the birth of his first daughter, moving to a farm and trying ...
by lthenderson
Mon May 14, 2018 1:19 pm
Forum: Personal Consumer Issues
Topic: keyless ignitions and carbon monoxide
Replies: 80
Views: 4153

Re: keyless ignitions and carbon monoxide

My newer toyota will electronically beep at you three times if you exit the vehicle with your key fob in possession so it does warn you but will keep the car running. My brother drives an older toyota that will kill the car within 30 seconds if he leaves the vehicle with the key fob. I'm not sure wh...
by lthenderson
Mon May 14, 2018 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Military Retirement Direct Depost hijacked?
Replies: 15
Views: 2006

Re: Military Retirement Direct Depost hijacked?

Thanks all. I'm not looking for suggestions at this point. The post was made many as a PSA. Livesoft - Let hope its something as simple as that, but he's been with the same often talked about Mega bank for 40+ years and the account number has not changed within the last 15 years, or has the bank ch...
by lthenderson
Fri May 11, 2018 12:43 pm
Forum: Personal Consumer Issues
Topic: Online/cloud backup or file storage?
Replies: 38
Views: 2189

Re: Online/cloud backup or file storage?

At the risk of going a bit off-topic - I'd be leery of using library computers for accessing banks/brokerages. Good question or concern (?) The post claim is that these Windows computers clear everything when you logoff and they are "restarted". They also have physical key loggers that plug inline ...
by lthenderson
Fri May 11, 2018 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Time Span Between Job Changes
Replies: 16
Views: 1364

Re: Time Span Between Job Changes

What would be the proper amount of time to wait in between jobs? If I was your employer, I would want you to move on as soon as possible assuming I have someone to fill your position. I want someone in that position that is motivated to do their job well for possible advancement in the future. Anyb...
by lthenderson
Fri May 11, 2018 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: How to find reputable person for Will/Trust?
Replies: 41
Views: 3038

Re: How to find reputable person for Will/Trust?

For things like this, the best resource if finding friends and neighbors who are satisfied customers of a particular service, in this case lawyers who do wills and trusts. When we did ours, I asked a few trusted neighbors and they all recommended the same person so it was a no brainer at that point...
by lthenderson
Fri May 11, 2018 9:27 am
Forum: Personal Consumer Issues
Topic: Subcompact SUVs/Sedans with Adjustable Pedals Question
Replies: 12
Views: 631

Re: Subcompact SUVs/Sedans with Adjustable Pedals Question

My wife is exactly five feet and she gets by fine driving a RAV4 by just adjusting the seat forward and up.
by lthenderson
Fri May 11, 2018 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Do I need to unfreeze my credit before applying for a new card?
Replies: 50
Views: 3127

Re: Do I need to unfreeze my credit before applying for a new card?

BuckyBadger wrote:
Fri May 11, 2018 8:37 am
Considering how he makes his money, I'd bet he gets kickbacks from credit monitoring services that he recommends. He's not going to see a benefit from recommending credit freezes, so he doesn't recommend them.
...And yet in the article he says he has frozen his credit reports!
by lthenderson
Fri May 11, 2018 8:38 am
Forum: Personal Consumer Issues
Topic: buying new laptops
Replies: 19
Views: 2022

Re: buying new laptops

I would buy a laptop with a Solid State Drive (SSD).

I would stay away from bargain computer places if I were buying a computer for my business. They are cheap in price and cheap in quality.
by lthenderson
Fri May 11, 2018 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Do I need to unfreeze my credit before applying for a new card?
Replies: 50
Views: 3127

Re: Do I need to unfreeze my credit before applying for a new card?

I know it's Dave Ramsey.... but I found this answer interesting regarding the question posed, "When should I freeze my credit?": https://www.daveramsey.com/askdave/debt/when-should-i-freeze-my-credit Here's an excerpt: "They’re fairly difficult to unfreeze. You just don’t want to jump in and out of...
by lthenderson
Thu May 10, 2018 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: How to find reputable person for Will/Trust?
Replies: 41
Views: 3038

Re: How to find reputable person for Will/Trust?

For things like this, the best resource if finding friends and neighbors who are satisfied customers of a particular service, in this case lawyers who do wills and trusts. When we did ours, I asked a few trusted neighbors and they all recommended the same person so it was a no brainer at that point.
by lthenderson
Thu May 10, 2018 5:40 pm
Forum: Personal Consumer Issues
Topic: Reccommended Minivans
Replies: 31
Views: 1823

Re: Reccommended Minivans

What minivans would you recommend? Last year our Odyssey was totaled and we got a 17 Sienna just because the dealer was local as opposed to the nearest Honda dealer 100 miles away. Both are good vehicles and are very similar in just about everything. The only big difference that stands out to me is...
by lthenderson
Thu May 10, 2018 11:32 am
Forum: Personal Consumer Issues
Topic: Moving companies (long distance):recommendations+choosing delivery date?
Replies: 15
Views: 703

Re: Moving companies (long distance):can I choose delivery date?

The two times I have had long distance movers I have had extremely good service so perhaps not all are bad. In my case, the hardest thing was getting them to move the date up a few days so I didn't have to wait so long without any things. They seemed like they would rather extend it out longer so th...
by lthenderson
Thu May 10, 2018 8:41 am
Forum: Personal Consumer Issues
Topic: Lifting Heavy Objects onto a Vehicle Cargo Tray; Need Ideas!
Replies: 28
Views: 1898

Re: Lifting Heavy Objects onto a Vehicle Cargo Tray; Need Ideas!

Sounds like you need a dolly with hydraulic lift on it. We use one all the time for just this kind of situation.

http://www.handtrucksrus.com/product-de ... 87&cx=lift
by lthenderson
Thu May 10, 2018 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Do I need to unfreeze my credit before applying for a new card?
Replies: 50
Views: 3127

Re: Do I need to unfreeze my credit before applying for a new card?

We apply with the freeze still on, when we get turned down they will send a letter explain they couldn't check our credit history because of our freeze. The letter explain which credit agency they use and ask us to unfreeze that agency and call them. So we unfreeze that one and call them to the let...
by lthenderson
Wed May 09, 2018 12:46 pm
Forum: Personal Consumer Issues
Topic: Build a retaining wall ?
Replies: 17
Views: 1217

Re: Build a retaining wall ?

I'm looking to build a retaining wall at the corner of our house. It has a pretty good slope to it and the rain gutter empties there. I've looked at some youtube videos but honestly man of them appear to use special equipment etc. Any of you have any links or sources on how to just build a simple r...
by lthenderson
Wed May 09, 2018 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: [Golf ball] cracked my house window. Do I have any recourse?
Replies: 68
Views: 6938

Re: Gold ball cracked my house window. Do I have any recourse?

If it were me, I would get a high resolution camera pointed in the direction of the course the ball came from to help aid in identifying perpetrators or additional GOLD balls in the future.
by lthenderson
Wed May 09, 2018 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Where to save money to buy a car
Replies: 18
Views: 2259

Re: Where to save money to buy a car

My emergency fund is a range with a minimum and maximum where I start transferring funds into higher yielding accounts like a taxable index fund. The minimum amount is about six months of expenses. The maximum amount includes enough cash to get a new vehicle at a moments notice or for some other maj...
by lthenderson
Wed May 09, 2018 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Retire Internationally for FIRE
Replies: 78
Views: 8829

Re: Retire Internationally for FIRE

I have many friends who live in SE Asia, most of whom are retired from the U.S. military and live there simply because they can live much better in S.E. Asia on their pensions than they can in the U.S. The others have spouses that are native from S.E. Asia. There has been a lot of great advice and I...
by lthenderson
Tue May 08, 2018 4:32 pm
Forum: Personal Consumer Issues
Topic: Estimating cost of granite countertop renovation
Replies: 19
Views: 1461

Re: Estimating cost of granite countertop renovation

Can someone who has had such a renovation project tell me the approximate cost to expect for the removal of the old countertops the appr cost of removing and reinstalling the old sink (perfectly good only 4 years old the appr cost of removing and reinstalling the stove top (ditto) Are you doing the...
by lthenderson
Tue May 08, 2018 4:24 pm
Forum: Personal Consumer Issues
Topic: What non fiction book will you be reading in 2018?
Replies: 147
Views: 10391

Re: What non fiction book will you be reading in 2018?

Most of my non-fiction reading falls into the adventure or travelogue genres...that will continue in '18, although I don't have a ready made list at this point (suggestions welcome!) This list has served me well over the years. I have read perhaps 80% of them and the remaining ones are harder to fi...
by lthenderson
Tue May 08, 2018 4:21 pm
Forum: Personal Consumer Issues
Topic: How to remove garden hose nozzle that is stuck on a hose
Replies: 40
Views: 2856

Re: How to remove garden hose nozzle that is stuck on a hose

Sometimes applied heat can to the outside of the nozzle threads can expand them enough to loosen the works. If not, it is a fairly simple thing to cut the end off your hose and attached a new end on it.

[Edited to add: Assuming it is a brass or metal nozzle. I wouldn't do that for a plastic one.]
by lthenderson
Tue May 08, 2018 4:19 pm
Forum: Personal Consumer Issues
Topic: Vehicle Tires and Dry Rot
Replies: 20
Views: 2065

Re: Vehicle Tires and Dry Rot

I took my 2013 Toyota RAV4 in for service. The vehicle has 22K miles on it. Like the others, it is a real thing and I have replaced tires because of it. However, not all tires get it as fast as others and I have gotten more than six years out of tires before. For my higher mileage vehicles, it is g...