Search found 2454 matches

by lthenderson
Tue Dec 12, 2017 9:22 am
Forum: Personal Consumer Issues
Topic: Purchasing Airline Tickets
Replies: 6
Views: 291

Re: Purchasing Airline Tickets

I've always used Expedia and purchased my tickets six months in advance. Not sure how they handle cookies but the prices always vary during the week sometimes by hundreds of dollars a ticket. We usually watch one week checking daily and purchase the subsequent week on the day of the previous week's ...
by lthenderson
Tue Dec 12, 2017 9:13 am
Forum: Personal Consumer Issues
Topic: Snow Tires? Worth it?
Replies: 48
Views: 1202

Re: Snow Tires? Worth it?

We had a AWD CR-V and now an AWD RAV4 and live in an area that gets quite a bit of snow for three months of the year. I also have a set of Blizzack snow tires for another vehicle. The snow tires make a significant difference in drivability during snow and ice events. However, I can't think of a sing...
by lthenderson
Tue Dec 12, 2017 8:58 am
Forum: Personal Consumer Issues
Topic: Ancestry / 23andMe
Replies: 21
Views: 1147

Re: Ancestry / 23andMe

Just getting results back from either of those places and seeing your ethnicity composition is about ten minutes of entertainment that will be forgotten soon. The real power of those tests, especially Ancestry, is attaching it to your family tree on their website. When you do that, you are able to i...
by lthenderson
Tue Dec 12, 2017 8:51 am
Forum: Personal Consumer Issues
Topic: Cheap tablet just for internet surfing
Replies: 5
Views: 136

Re: Cheap tablet just for internet surfing

My very elderly grandparents still use their Kindle Fires just about every day and like them.
by lthenderson
Mon Dec 11, 2017 12:43 pm
Forum: Personal Consumer Issues
Topic: Kerosene Heater (for power-out emergencies)
Replies: 20
Views: 856

Re: Kerosene Heater (for power-out emergencies)

I've used a kerosene heater but found it very difficult to keep trimmed so that it didn't soot up the ceilings and also keeping the windows cracked to provide fresh air muted any heating ability it had. In the end, we bought several battery powered fans from Amazon that we distribute around the core...
by lthenderson
Mon Dec 11, 2017 12:37 pm
Forum: Personal Consumer Issues
Topic: Best Parmesan Cheese for Salad
Replies: 29
Views: 1490

Re: Best Parmesan Cheese for Salad

We are fortunate to have a local creamery that makes all their own cheeses. They make a really good knock-off of Parmesan but it goes by a different name since it is made here in the Midwest and not in Italy. Their aged cheddar took top honors in the World Cheese Contest in London a few years back.
by lthenderson
Mon Dec 11, 2017 9:34 am
Forum: Personal Consumer Issues
Topic: December 22 - Jan 1 vacation
Replies: 21
Views: 2010

Re: December 22 - Jan 1 vacation

Every year for the last eight and during the same time frame, we have vacationed along the Florida panhandle. Beach side rentals are easy to come by and affordable and we partake of a lot of spring break venues without the spring break kids present. I also like the fireworks display on New Years Eve...
by lthenderson
Mon Dec 11, 2017 9:30 am
Forum: Personal Consumer Issues
Topic: How easy is it to minimize tax liability yourself without a CPA/accountant?
Replies: 15
Views: 1302

Re: How easy is it to minimize tax liability yourself without a CPA/accountant?

When I made the leap to doing my own taxes, I did a dry run calculating my previous year's return and comparing the "answers" to the one done by the CPA. When I was confident I understood what they were doing, and I didn't find it very hard at all, I made the plunge and have done them myself ever si...
by lthenderson
Sat Dec 09, 2017 8:15 pm
Forum: Personal Consumer Issues
Topic: Cheap outdoor floor covering?
Replies: 6
Views: 614

Re: Cheap outdoor floor covering?

My first thought would be to buy some interlocking foam/rubber gym mats. They come in 24" squares that interlock together. However a quick check on Amazon seems to suggest it would cost about the same amount of money as the rent for the artificial turf. I guess if you had another use for them afterw...
by lthenderson
Fri Dec 08, 2017 2:01 pm
Forum: Personal Consumer Issues
Topic: Please suggest a dry hands product
Replies: 82
Views: 3331

Re: Good enough for cows, good enough for you

http://www.bagbalm.com https://www.riteaid.com/shop/media/catalog/product/cache/1/image/9df78eab33525d08d6e5fb8d27136e95/8/0/8018025_1.jpg You beat me to it. Good product, I can't remember if it has an odor or not. Broken Man 1999 +3! It does have a slight odor that reminds me of an old library.
by lthenderson
Fri Dec 08, 2017 1:58 pm
Forum: Personal Consumer Issues
Topic: Sweet Gum Balls
Replies: 36
Views: 2347

Re: Sweet Gum Balls

You could open up an online craft store and make money with them.

https://www.pinterest.com/jan5481/15-th ... s/?lp=true
by lthenderson
Fri Dec 08, 2017 1:55 pm
Forum: Personal Consumer Issues
Topic: Need a history atlas or book of maps
Replies: 7
Views: 419

Re: Need a history atlas or book of maps

What I would really like to find would be a book of historical maps covering this time period, that would for instance show the extent of the Roman Empire through its various periods. I haven't read this book but it looks like what you want: https://www.amazon.com/Atlas-Roman-World-CULTURAL-ATLAS/d...
by lthenderson
Fri Dec 08, 2017 9:12 am
Forum: Personal Consumer Issues
Topic: Gift Giving Strategy for Married Couples
Replies: 20
Views: 1570

Re: Gift Giving Strategy for Married Couples

My wife and I buy something together, usually a bigger ticket item for our home. We've gotten a china hutch, dining room table set, furniture, bedroom set, etc. over the years. This year we are buying an elliptical trainer for our exercise room.
by lthenderson
Fri Dec 08, 2017 9:02 am
Forum: Personal Consumer Issues
Topic: router - can I set it up myself?
Replies: 15
Views: 1059

Re: router - can I set it up myself?

When I replaced my router a few years back (my first time) it was pretty much plug and play. Of course I had to read the instructions to set my passwords and such but the instructions were very easy to follow. As for brand, I just went onto Amazon and read the reviews for awhile to get a sense of qu...
by lthenderson
Thu Dec 07, 2017 5:20 pm
Forum: Personal Consumer Issues
Topic: Mold removal from wood
Replies: 9
Views: 805

Re: Mold removal from wood

Do you have mold growing or do you have water damage and want to prevent future mold growth? Two completely different things. If you are throwing away the carpet, the easiest way to remove it is to take a sharp utility knife and cut through the carpet, reach your hand in the slit you just made so yo...
by lthenderson
Thu Dec 07, 2017 5:10 pm
Forum: Personal Consumer Issues
Topic: sharing cost of tree cutting
Replies: 31
Views: 1553

Re: sharing cost of tree cutting

In most states, the person with the tree trunk within their property lines is responsibly for maintaining the tree of weak branches. However, the owner of the tree is not responsible for falling leaves, seeds, or other debris onto the adjacent property. The adjacent property owner has the right to p...
by lthenderson
Thu Dec 07, 2017 5:05 pm
Forum: Personal Consumer Issues
Topic: I received a speeding ticket via mail from IA - should I pay it?
Replies: 72
Views: 4797

Re: I received a speeding ticket via mail from IA - should I pay it?

Another Iowa resident here. This has been playing out for several years in our state with the the courts repeatedly ordering all the cameras removed including the one on I-29 that nabbed you. It has been appealed several times and I think most have been allowed to keep the cameras rolling through th...
by lthenderson
Thu Dec 07, 2017 4:23 pm
Forum: Personal Consumer Issues
Topic: Okay come clean....How man people share passwords for streaming services?
Replies: 41
Views: 1542

Re: Okay come clean....How man people share passwords for streaming services?

Here is an interesting article on the sharing of passwords for streaming services along with the official rules of each of the services the OP mentioned. http://time.com/money/4043147/hbo-netflix-amazon-prime-share-account-password/ It sounds like most are okay with sharing passwords because it make...
by lthenderson
Wed Dec 06, 2017 4:35 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 146
Views: 7984

Re: Do people still use AAA?

I have roadside assistance from my auto insurance provider. It is included in every policy with them so there isn't a separate line item charge added to your bill.
by lthenderson
Wed Dec 06, 2017 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Best solution for digitizing documents?
Replies: 30
Views: 2324

Re: Best solution for digitizing documents?

I thought scanning receipts went the way of the cassette tape. I only save those big ticket items where I might have a warranty concerns and frankly those could fit easily in an envelope. Doesn't seem worth the time or expense of scanning. All my financial records I can look up online. Anything I ha...
by lthenderson
Tue Dec 05, 2017 8:38 pm
Forum: Personal Consumer Issues
Topic: Concrete vs Pavers
Replies: 18
Views: 1988

Re: Concrete vs Pavers

I would never install pavers for a driveway but I also don't live in southern California. We get ice and snow for three to four months a year which makes them extremely difficult to keep clean and safe. Frost depths can go as deep as 18 to 24" deep so unless you put down 18" of base before six inch ...
by lthenderson
Tue Dec 05, 2017 8:24 pm
Forum: Personal Consumer Issues
Topic: Lowering My Grocery Bill
Replies: 110
Views: 6966

Re: Lowering My Grocery Bill

We average about $400 a month for just groceries for our family of five. We eat and cook a lot of Asian food which consists of a lot of rice along with a mixture of veggies and meat cooked in a sauce. We also typically cook enough on the weekends and eat leftovers throughout the week.
by lthenderson
Tue Dec 05, 2017 9:26 am
Forum: Personal Consumer Issues
Topic: Valuing today's money in terms of future invested value?
Replies: 6
Views: 253

Re: Valuing today's money in terms of future invested value?

FV=PV(1+rate of return)^n (number of periods)

So in your case 4000(1.07)^39 = $55,979
by lthenderson
Tue Dec 05, 2017 9:19 am
Forum: Personal Consumer Issues
Topic: How to choose insurance for car and house.
Replies: 4
Views: 544

Re: How to choose insurance for car and house.

Are there any other good insurance companies which are similar to Amica? Please advice. There are lots and lots of excellent insurance companies that are local to every area that aren't national or even state chain companies. An added advantage is that since they only sell in a small area, your pre...
by lthenderson
Tue Dec 05, 2017 9:01 am
Forum: Personal Consumer Issues
Topic: selling an older car on eBay-no bites!
Replies: 65
Views: 4554

Re: selling an older car on eBay-no bites!

I see a couple of posts about the time of year mattering when selling a car. Why is that? Everyone is focused on the upcoming holiday and spending all their money for presents. Used cars are pretty low on the list right now. Also, buying used cars sometimes means spending some time fixing things to...
by lthenderson
Tue Dec 05, 2017 8:52 am
Forum: Personal Consumer Issues
Topic: Europe Suggestions
Replies: 44
Views: 2712

Re: Europe Suggestions

2. Affordable housing suggestions. Whenever I travel Europe, especially when planning to spend 2 or 3 days in one spot, I always stay at Bed & Breakfast places. They are everywhere and reasonably priced. They almost always include a home cooked meal by the house owner in the morning. I also like th...
by lthenderson
Mon Dec 04, 2017 5:33 pm
Forum: Personal Consumer Issues
Topic: Should I refinance?
Replies: 4
Views: 471

Re: Should I refinance?

I wouldn't take a 15/1 ARM unless I fully intended to have the entire loan paid off in the first 15 years.
by lthenderson
Mon Dec 04, 2017 5:30 pm
Forum: Personal Consumer Issues
Topic: How much do you need to drive a car to keep battery charged and everything else OK?
Replies: 36
Views: 2709

Re: How much do you need to drive a car to keep battery charged and everything else OK?

I have a car that I drive once a month for six miles roundtrip. I've done that for the last five years. Never had a problem with it. However, it is an older car without anything electronic on except for the clock. Also, driving infrequently and not very far is very hard on the exhaust system. It nev...
by lthenderson
Mon Dec 04, 2017 5:21 pm
Forum: Personal Consumer Issues
Topic: selling an older car on eBay-no bites!
Replies: 65
Views: 4554

Re: selling an older car on eBay-no bites!

So I posted it an an auction price , got hundreds of views, and about ten "watches" each week I posted, but no bids. This makes me believe you have it over priced. Sometimes it is better to start with a low initial bid and put a reserve in place than to start with the minimum amount you would accep...
by lthenderson
Mon Dec 04, 2017 11:32 am
Forum: Personal Consumer Issues
Topic: RV rentals
Replies: 21
Views: 1842

Re: RV rentals

Any recommended places to rent RVs for a short 2-day trip ? Need an RV that sleeps at least 8-9 people. Am in FL. That's a huge number of people for a motorhome. I hope everyone likes each other, a lot - and that nobody snores. Thanks but Can you just respond to the initial Q otherwise, your respon...
by lthenderson
Mon Dec 04, 2017 11:25 am
Forum: Personal Consumer Issues
Topic: housing for in-laws
Replies: 48
Views: 3479

Re: housing for in-laws

Thank you all for the thoughtful responses. I have read and reread them all. To clarify, they have been with us on and off since my kid was born, so this is more like year 5. This is just the longest continuous stretch and why I have hit my limit. Yes they are preparing large meals, and the sharing...
by lthenderson
Mon Dec 04, 2017 11:17 am
Forum: Personal Consumer Issues
Topic: Understanding the World of Credit Card "Points"
Replies: 60
Views: 3320

Re: Understanding the World of Credit Card "Points"

I've never been interested in points. But I do have the Citibank DoubleCash card that gives me 2% back on all purchases. Other than one other credit card that I keep for emergencies should my primary get hacked or I need additional balance room for a bigger purchase, I don't have any others and don'...
by lthenderson
Mon Dec 04, 2017 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Thinking of going "back" to school nearing 40?
Replies: 22
Views: 2345

Re: Thinking of going "back" to school nearing 40?

I went to college straight out of high school but two of my best college friends were in their mid 30's. Both had gone out and pursued careers and found out they in order to get to where they desired in life, they needed degrees. Being that they were 15+ years more senior than the average students, ...
by lthenderson
Mon Dec 04, 2017 8:48 am
Forum: Personal Consumer Issues
Topic: It's that time of year again... buying christmas gifts
Replies: 70
Views: 5693

Re: It's that time of year again... buying christmas gifts

We have a 2% cashback card and all our cashback rewards are allocated towards Christmas presents every year. That way is doesn't hurt since it feels more like "free" money. With our spending levels, it works out to just north of $1000 per year.
by lthenderson
Sun Dec 03, 2017 6:49 pm
Forum: Personal Consumer Issues
Topic: Buy Warranty for Bosch Appliances?
Replies: 15
Views: 888

Re: Buy Warranty for Bosch Appliances?

I would not buy extended warranties on any brand of appliances. Like others, I self insure.
by lthenderson
Sun Dec 03, 2017 6:46 pm
Forum: Personal Consumer Issues
Topic: Philanthropy and related issues
Replies: 50
Views: 3262

Re: Philanthropy and related issues

livesoft wrote:
Sun Dec 03, 2017 9:00 am
Many bogleheads are quite generous, but tend not to brag about it.
+1

Having spent quite a bit of time recent years working for non-profit organizations that depend on donations, I definitely see a trend that the most generous tend to be the most humble people as well.
by lthenderson
Fri Dec 01, 2017 1:45 pm
Forum: Personal Consumer Issues
Topic: housing for in-laws
Replies: 48
Views: 3479

Re: housing for in-laws

In my neighborhood, the most popular new homes built in the last few years are those with an in-law suite. In other words, there is a one bed room apartment with its own garage, bedroom, living room, kitchen and laundry room. And there are separate entries to the apartment and the main part of the ...
by lthenderson
Fri Dec 01, 2017 1:39 pm
Forum: Personal Consumer Issues
Topic: Does it make sense to drop health insurance?
Replies: 198
Views: 7071

Re: Does it make sense to drop health insurance?

We spend far too much time complaining about rising premiums, who should or shouldn't be insured and by whom, and shrinking provider networks, and far too little time discussing creative ways to control costs (which would lower premiums). You can't have a discussion about cost control without someo...
by lthenderson
Fri Dec 01, 2017 9:50 am
Forum: Personal Finance (Not Investing)
Topic: I Can "Afford" This Right? (New Car)
Replies: 60
Views: 4569

Re: I Can "Afford" This Right? (New Car)

I think the question you should ask yourself that everyone missed is what are your retirement goals? Spending that much on a vehicle definitely affects how much money you have down the road to play with.
by lthenderson
Fri Dec 01, 2017 9:27 am
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 10245

Re: Price of haircut?

Free. I do it myself. I also throw in a free beard trim and neck shave too.
by lthenderson
Thu Nov 30, 2017 7:22 pm
Forum: Personal Consumer Issues
Topic: Water filtration system - worth it?
Replies: 17
Views: 1083

Re: Water filtration system - worth it?

My last house had a whole house filtration unit. I don't remember the brand off the top of my head but it did do a good job improving the water taste. The filters themselves had to be changed once every six months and were pretty expensive. I think it cost me about $40/filter or $80 every six months...
by lthenderson
Thu Nov 30, 2017 7:16 pm
Forum: Personal Consumer Issues
Topic: housing for in-laws
Replies: 48
Views: 3479

Re: housing for in-laws

Hi all, just looking for some advice since housing choices have big financial implications. My wife and in-laws come from another country and culture So the options are: 1) do nothing and I remain miserable and lose my mind (don't want to do this) 2) they permanently move back to their country and ...
by lthenderson
Tue Nov 28, 2017 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Inheritance question: Inheriting something you aren't supposed to sell
Replies: 22
Views: 2760

Re: Inheritance question: Inheriting something you aren't supposed to sell

Ask them for your sakes not to try to rule from the grave. +1. I see inheritance as a two-way street. Just as the parents have the right to decide how they want to distribute their estate, the children have the right to decide how they want to utilize their inheritance once they have taken ownershi...
by lthenderson
Tue Nov 28, 2017 4:31 pm
Forum: Personal Consumer Issues
Topic: Toilet tank not refilling
Replies: 5
Views: 645

Re: Toilet tank not refilling

I replaced the toilet fill valve on my toilet a few months ago and it was working fine. But now, maybe once out of every 10 flushes the tank doesn't refill. All it takes is a slight push on the adjuster arm of the fill value and water then goes through and it refills properly. Could the fill valve ...
by lthenderson
Tue Nov 28, 2017 11:03 am
Forum: Personal Consumer Issues
Topic: Luggage Update for Travel
Replies: 73
Views: 3926

Re: Luggage Update for Travel

Downside? Yeah, you'll be having to do some laundry, but on an extended trip, you will regardless of luggage size. A few extra sinks of laundry (or trips to the lavanderia) were more than offset by ease of carrying our bags through city streets/airports/bus terminals--and never having to check a ba...
by lthenderson
Tue Nov 28, 2017 11:01 am
Forum: Personal Consumer Issues
Topic: After financial independence, do you lose motivation for work?
Replies: 156
Views: 11043

Re: After financial independence, do you lose motivation for work?

After achieving financial independence (FI), you know you have enough, do (did) you lose motivation for work? No. But I did lose motivation to put up with bad management, worthless projects, etc. I still am motivated to work but I only do things now that mean something to me and which I enjoy doing.
by lthenderson
Tue Nov 28, 2017 10:52 am
Forum: Personal Consumer Issues
Topic: Insulated shopping bags
Replies: 14
Views: 779

Re: Insulated shopping bags

I used to travel an hour to the nearest grocery store, purchase groceries and drive back without anything but the paper sacks they came in. Never worried about anything, even frozen foods like ice cream or meats. The only precaution I took was to put all cold foods in the same sack together.
by lthenderson
Tue Nov 28, 2017 10:48 am
Forum: Personal Consumer Issues
Topic: National Park trip w/1 year old infant
Replies: 35
Views: 1886

Re: National Park trip w/1 year old infant

We never stopped or slowed down our outdoor pursuits with either of our children at any age. We always used a combination of backpacks made for children on your back or front and off road three wheeled strollers. I thought perhaps the most difficult age was when the kids were between three to four y...
by lthenderson
Tue Nov 28, 2017 10:40 am
Forum: Personal Consumer Issues
Topic: How much to tip movers?
Replies: 71
Views: 6647

Re: How much to tip movers?

mortfree wrote:
Mon Nov 27, 2017 12:25 pm
thoughts on the tip for this situation?
Why not ask the movers directly before they arrive? I have done this and always found them to be honest and forthright with useful information to guide me in determining "how much".
by lthenderson
Tue Nov 28, 2017 10:31 am
Forum: Personal Consumer Issues
Topic: How Do You Stay Current With Music?
Replies: 111
Views: 5117

Re: How Do You Stay Current With Popular Music?

Listen to the music during the annual award shows on television. Identify artists whom produce music that appeals to your tastes. Go onto Amazon and listen to clips of songs until you find the ones that you like and purchase. Also, iTunes and other software music packages will often make new suggest...