Search found 2285 matches

by lthenderson
Mon Oct 16, 2017 8:42 am
Forum: Personal Consumer Issues
Topic: Negotiating for a new car purchase
Replies: 45
Views: 2438

Re: Negotiating for a new car purchase

OP, whatever you're doing, you're doing it wrong. I suspect you're actually driving to a dealer and talking to people, or calling the "Front desk" and talking to people. That's not necessary. The "fax/email" method or "talking to the internet manager" likely won't work either. Just do this: 1. Figu...
by lthenderson
Mon Oct 16, 2017 8:18 am
Forum: Personal Consumer Issues
Topic: Opinions on bicycle disc brakes?
Replies: 22
Views: 1037

Re: Opinions on bicycle disc brakes?

I bought my mountain bike with disc brakes around 16 years ago. I am a causal rider as well and only put on maybe 40 to 50 miles a year. I have never performed any sort of maintenance on the brakes other than to clean mud and grime off them occasionally. I haven't changed the pads and definitely hav...
by lthenderson
Fri Oct 13, 2017 2:34 pm
Forum: Personal Consumer Issues
Topic: How many miles/years do you keep your car?
Replies: 67
Views: 3642

Re: How many miles/years do you keep your car?

If you buy used how old/miles do you generally buy and what age/miles do you sell it on average? I generally start looking for used Hondas, Toyotas, Subarus at around 100,000 to 120,000 miles. Generally I get rid of them when they have 200,000 to 240,000 miles on them. Back 'then', they rusted out ...
by lthenderson
Fri Oct 13, 2017 9:02 am
Forum: Personal Consumer Issues
Topic: Car Buying, Time to grow up.
Replies: 55
Views: 4186

Re: Car Buying, Time to grow up.

Just a bit info to start...26 years old, about 40k in the bank, looking to purchase my first car. With no information on your financial situation other than this, I would stick to looking at good used cars for awhile. I bought used until the point where I could pay all cash and the new vehicle was ...
by lthenderson
Fri Oct 13, 2017 8:56 am
Forum: Personal Consumer Issues
Topic: Building additional garage - recommendations?
Replies: 26
Views: 1170

Re: Building additional garage - recommendations?

When I built my current house back in 1999, I had a 220V outlet put in the garage for my 1980's Sears 12 inch planer. As time went by, I bought a 12.5 inch wide Dewalt planer, which only needs 110V. So the old 220V Sears planer sets unused in the garage taking up floor space (I use it once a year m...
by lthenderson
Fri Oct 13, 2017 8:49 am
Forum: Personal Consumer Issues
Topic: Pro and cons of the Prime offer by Amazon.......
Replies: 39
Views: 3625

Re: Pro and cons of the Prime offer by Amazon.......

It probably only takes me a few weeks to save enough with Prime to payback the annual fee. I get probably four or five packages a week delivered, plus use their video, music and photo services. This year on Amazon Prime day, I bought two pairs of my favorite shoes plus a few other things which saved...
by lthenderson
Fri Oct 13, 2017 8:30 am
Forum: Personal Consumer Issues
Topic: Outback Vs Forester Vs CR-V ??
Replies: 29
Views: 2223

Re: Outback Vs Forester Vs CR-V ??

We used to have a CR-V that we really loved but traded it a couple years ago for a RAV4 which we like even better. We use it with five people on occasion but for four it is plenty roomy and I'm 6'2" tall. It also has a sunroof though I don't know if it is considered large or not. I figured all sunro...
by lthenderson
Fri Oct 13, 2017 8:25 am
Forum: Personal Consumer Issues
Topic: Building additional garage - recommendations?
Replies: 26
Views: 1170

Re: Building additional garage - recommendations?

I'm not against building a garage addition but I will say that about 95% of the garages I have seen are severely under utilized. I have a two and a half car garage and besides two full sized cars, I have a gardening center for my wife, wheel barrow, three ladders, about 10 bags of soils, mulches and...
by lthenderson
Thu Oct 12, 2017 1:43 pm
Forum: Personal Consumer Issues
Topic: First visit to Hawaii (flight, Amex Plat benefits, extend stay?)
Replies: 49
Views: 2791

Re: First visit to Hawaii (flight, Amex Plat benefits, extend stay?)

We stayed at the Grand Hyatt on Kauai earlier this year and had a wonderful time. We debated paying extra for the Grand Club option and in the end didn't. We didn't regret that. There are plenty of things to do and I never once found myself bored the entire week I was there and I didn't snorkel or s...
by lthenderson
Thu Oct 12, 2017 1:34 pm
Forum: Personal Consumer Issues
Topic: SUV options with 3 little kids
Replies: 57
Views: 3115

Re: SUV options with 3 little kids

I'm looking for a 2-row or 3-row midsize/large AWD SUV that allows me to install 3 carseats (I plan to use the narrowest carseats like the Diono Radian and Clek Fllo/Foonf) in the 2nd row with relative ease - this requires the right combination of width/hip room, 2nd row seats (bench instead of buc...
by lthenderson
Wed Oct 11, 2017 9:04 am
Forum: Personal Consumer Issues
Topic: Do you want your receipt?
Replies: 99
Views: 7377

Re: Do you want your receipt?

I keep my receipts for items that may be returned and if I leave a tip. All other receipts I don't keep and tell cashier no if asked. I used to track each receipt to the monthly statement for many many years but never found one instance of fraud where I was charged something differently after I left...
by lthenderson
Wed Oct 11, 2017 8:43 am
Forum: Personal Finance (Not Investing)
Topic: 2 Comma Club and Other Goals Reached!
Replies: 8
Views: 1736

Re: 2 Comma Club and Other Goals Reached!

Congratulations! I'm guessing the number in front of the first comma will go from a 1 to a 2 before you know it.
by lthenderson
Wed Oct 11, 2017 8:38 am
Forum: Personal Consumer Issues
Topic: Wifi Thermostat
Replies: 55
Views: 3596

Re: Wifi Thermostat

I have a first generation Nest thermostat and it was easy to install with provided instructions. I absolutely hated the Nest in the beginning because it was full of bugs (I had to completely reprogram it three times) and kept losing connection rendering the wifi part a moot point. Eventually after a...
by lthenderson
Wed Oct 11, 2017 8:33 am
Forum: Personal Consumer Issues
Topic: 2018 Honda Accord
Replies: 47
Views: 4121

Re: 2018 Honda Accord

In general, it's hard to find cars under $40K with really good seats... I have never owned a car that cost more than $40k and have never had a complaint about seat comfort-ability. Maybe I should sit in an expensive car and find out what I'm missing. Then again, perhaps it is better (and cheaper) t...
by lthenderson
Tue Oct 10, 2017 10:19 am
Forum: Personal Consumer Issues
Topic: Moving Stroke Victim Out of State
Replies: 23
Views: 1950

Re: Moving Stroke Victim Out of State

Do you have gas service to your house? Gas heat? I wouldn't shut off the heat while gone but would reduce the temperature. Letting houses achieve ambient outside temperature is very hard them and finished surface integrity. It is also virtually impossible to completely winterize all your water lines...
by lthenderson
Mon Oct 09, 2017 10:41 am
Forum: Personal Consumer Issues
Topic: How Often Should I Have Chimney Cleaned (New England)?
Replies: 17
Views: 1644

Re: How Often Should I Have Chimney Cleaned (New England)?

I would inspect it yearly. How often you clean it depends on the height, insulation, type of wood, frequency of use, etc. I grew up in an old two and a half story farmhouse. We had to clean the chimney on that twice a year. The house I currently live in I have never cleaned the chimney for the five ...
by lthenderson
Mon Oct 09, 2017 10:31 am
Forum: Personal Consumer Issues
Topic: What to do with unused paint?
Replies: 38
Views: 2289

Re: What to do with unused paint?

I'm surprised I haven't seen anyone mention this but I just keep it, combine similar types and for small projects, take it to the store to have them retint them. It isn't precise since they don't have a code that goes from say orange to red, but they generally can get pretty close. To know which typ...
by lthenderson
Mon Oct 09, 2017 10:24 am
Forum: Personal Consumer Issues
Topic: Google Chrome Fonts Appear Fuzzy
Replies: 7
Views: 605

Re: Google Chrome Fonts Appear Fuzzy

Have you been over riding the fonts with custom ones? I've seen lots of issues when others try to customize the fonts a website displays instead of just using the native fonts. In your chrome brower, click on the three dots in the upper right corner, go to settings and then customize fonts and see w...
by lthenderson
Mon Oct 09, 2017 10:18 am
Forum: Personal Consumer Issues
Topic: Is there boglehead consensus on buying a car?
Replies: 73
Views: 4749

Re: Is there boglehead consensus on buying a car?

Back when I first started buying cars, I bought mostly used cars. But back then, cars weren't built as well so they depreciated much quicker. It was easy to buy a car three years old that was significantly cheaper than a new car. As the years have passed, cars have been built much better. Now instea...
by lthenderson
Sun Oct 08, 2017 1:39 pm
Forum: Personal Consumer Issues
Topic: Most expensive gel car battery or cheapest? How often?
Replies: 32
Views: 1915

Re: Most expensive gel car battery oe cheapest? How often?

I replace mine after failure. However, I have three vehicles and only two drivers so it is just a matter of getting in the remaining vehicle and driving a couple miles to pick up a replacement. I write down the date and mileage (unfortunately never the brand of battery) whenever I service my car and...
by lthenderson
Fri Oct 06, 2017 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: ALL account on Quicken?
Replies: 11
Views: 925

Re: ALL account on Quicken?

I too let them sit dormant on Quicken. It is easy to see if the balance isn't zero as I expect it to be.
by lthenderson
Fri Oct 06, 2017 9:15 am
Forum: Personal Consumer Issues
Topic: Sent to collections by a hospital we've never been to?
Replies: 40
Views: 3284

Re: Sent to collections by a hospital we've never been to?

Had this thing happen to me many years ago. I just called up the collection agency, had a short talk with them to establish I wasn't who they wanted and that was the end of it.
by lthenderson
Fri Oct 06, 2017 9:12 am
Forum: Personal Consumer Issues
Topic: Appliance sale ends next week, kitchen reno scheduled for Oct/Nov
Replies: 7
Views: 687

Re: Appliance sale ends next week, kitchen reno scheduled for Oct/Nov

Too late now but in situations like this, I often take the published sale price to a independent appliance dealer (not big box store) and buy it from them at the same price. They will work with me on storing things until needed in the remodel.
by lthenderson
Fri Oct 06, 2017 9:07 am
Forum: Personal Consumer Issues
Topic: Password Protection
Replies: 52
Views: 3101

Re: Password Protection

There are many many threads on this subject if you do a search. I use LastPass which allows me to do exactly what you want. Others use KeyPass and there are two or three others frequently mentioned in those past threads.
by lthenderson
Fri Oct 06, 2017 9:06 am
Forum: Personal Consumer Issues
Topic: Musty smell in a bedroom
Replies: 6
Views: 1169

Re: Musty smell in a bedroom

You never mentioned if the improperly sealed window was properly sealed so that it wasn't leaking anymore but I'll assume that is the case. You can get that musty smell absorbed into drywall. In my current house I discovered as we were moving in that the kitchen sink was leaking and dripping into th...
by lthenderson
Fri Oct 06, 2017 8:58 am
Forum: Personal Consumer Issues
Topic: Garage door opener on last leg
Replies: 32
Views: 2617

Re: Garage door opener on last leg

Lots of good advice above and I really don't have any additional advice to add on garage door openers. However, while you are working on installing the garage door opener, one thing I have done that I really love was install a pair of parking lasers that tie into my garage door opener. Instead of th...
by lthenderson
Fri Oct 06, 2017 8:46 am
Forum: Personal Consumer Issues
Topic: Too much house? (nervous 1st time buyer)
Replies: 57
Views: 3944

Re: Too much house? (nervous 1st time buyer)

Like most of the others, I would rent. Here is why I think that: 1. If you have to ask if you are buying too much house, the answer is always yes. You have doubts and when making a large purchase such as a house which will most likely be the biggest purchase you ever make, you shouldn't have a singl...
by lthenderson
Thu Oct 05, 2017 11:03 am
Forum: Personal Consumer Issues
Topic: How do you value your time?
Replies: 97
Views: 3765

Re: How do you value your time?

When I'm by myself, I do as I please. When my wife is with me, I do as she pleases, unless it is something that means a great deal to me and then we have a long discussion followed by a compromise. Whether or not I save $20 in parking fees is not a great deal to me so I would do it if my wife reques...
by lthenderson
Thu Oct 05, 2017 10:49 am
Forum: Personal Finance (Not Investing)
Topic: How much worth house should one buy?
Replies: 73
Views: 4109

Re: How much worth house should one buy?

My rule of thumb is to calculate: A) How much could I conservatively afford to pay each month for a house on one salary. B) How much the bank will loan me divided in half. I then take the lesser of those two numbers and that is how much I spend on a house... or as little as possible to meet my needs...
by lthenderson
Thu Oct 05, 2017 10:32 am
Forum: Personal Consumer Issues
Topic: Fender bender -- other driver at fault -- what to do?
Replies: 28
Views: 1623

Re: Fender bender -- other driver at fault -- what to do?

I had a voice mail from the at fault driver's insurance company, USAA, referencing a USAA claim number and asking me to call them back so they can get my vehicle info and my "recorded statement of how the accident occurred." Like others said, you will have to call them and have a recorded conversat...
by lthenderson
Thu Oct 05, 2017 10:16 am
Forum: Personal Consumer Issues
Topic: Dish network
Replies: 21
Views: 1213

Re: Dish network

Like others, I only briefly lost reception during intense rain or after a wet snow. The later was easily fixed with a quick brooming off of the snow but with the rain, you had to wait and watch recorded shows until reception returned. (On Demand can't be used while reception if off as well.) If you ...
by lthenderson
Thu Oct 05, 2017 10:03 am
Forum: Personal Consumer Issues
Topic: Steep Uneven Floor in an Old House
Replies: 26
Views: 1645

Re: Steep Uneven Floor in an Old House

So my question is: At what point do steeply uneven floors become a risk of the house falling over or the floor suddenly falling through? How far can the house bend before it breaks? You don't have to worry about a stick built house collapsing. They are much different than brick or concrete structur...
by lthenderson
Wed Oct 04, 2017 8:32 am
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 50
Views: 6192

Re: MoviePass-Too good to be true, but it's legit.

The downside for me is having to go stand in line, pay for over priced food and beverages for the privilege of sitting in a uncomfortable seat where my feet stick to the floor to watch a movie with a dozen people in front of me more interested in talking and looking at their smart phones than the mo...
by lthenderson
Tue Oct 03, 2017 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card budget
Replies: 10
Views: 1057

Re: Credit card budget

I utilize credit cards for the 2% cash back on all purchases and the fraud protection properties. I think I'm more prone to overspending with cash on hand than credit cards.
by lthenderson
Tue Oct 03, 2017 7:20 pm
Forum: Personal Consumer Issues
Topic: Certified CR-V or RAV-4
Replies: 11
Views: 946

Re: Certified CR-V or RAV-4

I have never found CPO's worth the premium especially for Hondas and Toyotas. Also, I rarely find one with less than 20k miles that is worth buying. Generally in the mile range, you are only saving a few thousand from sticker price. I think the sweet point for Toyota and Hondas are about 5 to 8 year...
by lthenderson
Tue Oct 03, 2017 7:14 pm
Forum: Personal Consumer Issues
Topic: Repair costs vs Getting a new car
Replies: 11
Views: 721

Re: Repair costs vs Getting a new car

Right now I am thinking (after talking it over with the spouse) that we may just get the vehicle fully repaired with the immediate issue fixed by a mechanic (instead of DIY so we have receipts) and then sell the car. In my experience, you won't get the money of the repair back with increased car va...
by lthenderson
Tue Oct 03, 2017 7:07 pm
Forum: Personal Consumer Issues
Topic: Waxing my car!
Replies: 48
Views: 4189

Re: Waxing my car!

I hate waxing, but live in a state where plenty of salt is used on the roads in the winter. I want something that protects for a long time, which is Zaino. I too live in a state that uses salt and haven't waxed any of my cars which are 3, 10 (just traded off two months ago), & 20 years old. None of...
by lthenderson
Tue Oct 03, 2017 7:04 pm
Forum: Personal Consumer Issues
Topic: Do I replace AC evaporative coil or get a new unit?
Replies: 26
Views: 1713

Re: Do I replace AC evaporative coil or get a new unit?

I think your quote is on the very high side. I normally see them replaced for around $1500. I would shop around for another quote. Even if you can't get anything less, I would probably side with replacing it unless you've had other problems/complaints with the unit over the last seven years.
by lthenderson
Tue Oct 03, 2017 11:34 am
Forum: Personal Consumer Issues
Topic: Do I have to choose between buying home in HCOL and FIRE or can I have both?
Replies: 35
Views: 2519

Re: Do I have to choose between buying home in HCOL and FIRE or can I have both?

I would recommend to the OP to read some of the articles on the White Coat Investor's site.

https://www.whitecoatinvestor.com/

He has lots of great advice for doctors with lots of income.

https://www.whitecoatinvestor.com/live-like-a-resident/
by lthenderson
Tue Oct 03, 2017 10:17 am
Forum: Personal Consumer Issues
Topic: Amazon Fresh & the value of your time
Replies: 25
Views: 2723

Re: Amazon Fresh & the value of your time

For me, what's for supper often begins by standing in the fresh vegetable aisle or at the meat counter and seeing what looks the freshest. I can't do that online.
by lthenderson
Tue Oct 03, 2017 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Cash on hand for emergencies
Replies: 41
Views: 2781

Re: Cash on hand for emergencies

I generally keep $300 on my person all the time. I live in a rural area, have a filter for filtering water if need be, several months worth of canned veggies from my garden and a gun and plenty of deer out my backdoor. If I lived in an urban environment without these things, I would probably conside...
by lthenderson
Tue Oct 03, 2017 8:32 am
Forum: Personal Consumer Issues
Topic: Travel camera reviews of what you own and why?
Replies: 25
Views: 1565

Re: Travel camera reviews of what you own and why?

My favorite travel camera is my iphone. It is discreet and doesn't scream tourist. It also is lightweight and I can back up photos almost as I take them. It's also one less thing I have to worry about getting stolen from my luggage since it is on my body at all times. My canon similar to yours mostl...
by lthenderson
Tue Oct 03, 2017 8:26 am
Forum: Personal Consumer Issues
Topic: accounting software for churches?
Replies: 22
Views: 1346

Re: accounting software for churches?

I'm pretty sure both our church and the private school that I'm on the board use Quickbooks. I have no idea how to use it and don't know if it is customizable for churches/schools. I just read the reports that it spits out.
by lthenderson
Mon Oct 02, 2017 11:20 am
Forum: Personal Consumer Issues
Topic: On the video games path - how to set it up with younger kids
Replies: 36
Views: 2005

Re: On the video games path - how to set it up with younger kids

1. With your kids, did they get certain time per day or per week? Or did you use it as a reward for homework/ chores done? If you set time is it for games or TV together (i.e. screen time), or just for games? 2. I read up a bit on Playstation vs Xbox (most terminology went over my head frankly), th...
by lthenderson
Mon Oct 02, 2017 11:08 am
Forum: Personal Consumer Issues
Topic: Lowes vs Home Depot
Replies: 60
Views: 7144

Re: Lowes vs Home Depot

Neither if I can help it. If I need plumbing, I go to a local plumbing supply place. If I need hardware, I go to a local hardware store. If I need lumber, I go to a local lumber yard. If I need tools, I generally order higher quality tools than are typically stocked at big box stores like Lowes and ...
by lthenderson
Mon Oct 02, 2017 10:57 am
Forum: Personal Consumer Issues
Topic: Hardwood/Laminate floors ?
Replies: 17
Views: 1504

Re: Hardwood/Laminate floors ?

I fall in the solid hardwood camp since it essentially will last the rest of your life and probably the life of the house. It can be resurfaced, restained to adjust to changing trends, etc. as many times as you like. It holds up well. So many people switch to plastic/vinyl products for its waterproo...
by lthenderson
Mon Oct 02, 2017 10:48 am
Forum: Personal Consumer Issues
Topic: Countertop refinishing
Replies: 7
Views: 1061

Re: Countertop refinishing

Don't have any experience with that linked product but I have read somewhere that 20% of all work done by professional countertop companies are fixing bad DIY resurfacing attempts. Something to consider.
by lthenderson
Mon Oct 02, 2017 10:41 am
Forum: Personal Consumer Issues
Topic: Photography gear and what you use it for?
Replies: 26
Views: 1573

Re: Photography gear and what you use it for?

I have had several canon cameras over the years and probably have a dozen various lenses, filters, and a bag of accessories, all gathering dust in my basement. I drag them out on occasion if I have a special need for a telephoto lens like taking pictures of the eclipse or blood moon. I much prefer t...
by lthenderson
Mon Oct 02, 2017 10:32 am
Forum: Personal Consumer Issues
Topic: Pressure washer with telescoping wand and bleach spray
Replies: 10
Views: 747

Re: Pressure washer with telescoping wand and bleach spray

I'm looking to pressure wash my 2 story home without using a ladder that much (especially on the side of the house where it's quite sloped). I'd like to apply a cleaning solution first (bleach plus water?) and then get it with water. You don't say what kind of siding but I'm going to assume it is p...
by lthenderson
Mon Oct 02, 2017 10:29 am
Forum: Personal Consumer Issues
Topic: Waxing my car!
Replies: 48
Views: 4189

Re: Waxing my car!

I used to wax all my vehicles three or four times a year back in the day. However car paint/coatings have gotten so good I haven't waxed one in probably twenty years. I really don't see the need too unless you find it enjoyable.