Search found 2939 matches

by lthenderson
Tue Apr 24, 2018 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Building a New Home (Talk me out of it!)
Replies: 50
Views: 3019

Re: Building a New Home (Talk me out of it!)

We live in a town with mostly small lots and have a very nice house (on a small lot). Wife always dreams of having more land but wants to stay in the same town for variety of reasons (if we moved further out in the burbs we could get LOTS of land) A large (for our town) lot has come on the market o...
by lthenderson
Tue Apr 24, 2018 10:08 am
Forum: Personal Consumer Issues
Topic: Possibly but not definite house change in 4-5 years - plan for down payment?
Replies: 15
Views: 560

Re: Possibly but not definite house change in 4-5 years - plan for down payment?

So I'd like to be able to jump on a sale with no conditions. The best way to do this is with enough cash for 20% down and an income stream that allows for both mortgages until you get the old house sold. It sounds like you have the latter so all you need is the former. If it were me and I were trul...
by lthenderson
Tue Apr 24, 2018 9:19 am
Forum: Personal Consumer Issues
Topic: Used car dealer-Freight charge
Replies: 21
Views: 1137

Re: Used car dealer-Freight charge

Even if this dealer is the only one on planet earth who charges this fee, who cares? Focus on the price you write the check for and let the dealer break down their costs and fees however they desire to make things look the way they want them.
by lthenderson
Mon Apr 23, 2018 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Nomadic lifestyle in their 50s
Replies: 51
Views: 4024

Re: Nomadic lifestyle in their 50s

barry2ipa wrote:
Mon Apr 23, 2018 4:51 pm
1. get a small apartment - in either of the cities where our families are primarily based
This would be my first option if I could afford it. Living with my parents when I'm in my 50's even temporarily is not something I would want to do and I love them both.
by lthenderson
Mon Apr 23, 2018 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Salary Negotiation gone sour
Replies: 90
Views: 8061

Re: Salary Negotiation gone sour

If they come back and offer me 88/15 in a few months should I consider it? Or should I accept that this was rather unprofessional on their part and move on? Yes I would move on and forget about it. This happens when you negotiate. You don't win them all. If they ever call you back, then you can con...
by lthenderson
Mon Apr 23, 2018 4:46 pm
Forum: Personal Consumer Issues
Topic: IPhone Faulty Battery Diagnosis
Replies: 32
Views: 1379

Re: IPhone Faulty Battery Diagnosis

Owner of two Apple 6s phones with significantly degraded battery life. When new I used to go several days between charging. Now I have to top it off once during the day just to get through until evening. According to the Battery Health diagnosis, I have a maximum capacity of 79%. What gets me is be...
by lthenderson
Mon Apr 23, 2018 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a home with water damage
Replies: 21
Views: 1568

Re: Buying a home with water damage

Sounds to me that they want to get the insurance money and then do the work themselves to turn a little profit. Otherwise they should just let the buyer do the work. +1 I would have no problems buying a water damaged house (appropriately priced) and doing the work myself or ensuring that experts wo...
by lthenderson
Mon Apr 23, 2018 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: Nomadic lifestyle in their 50s
Replies: 51
Views: 4024

Re: Nomadic lifestyle in their 50s

barry2ipa wrote:
Mon Apr 23, 2018 1:52 pm
Any thoughts?
I wouldn't sell the condo until you've not used it for a significant amount of time to ensure it isn't needed anymore. I know a lot of people who travel 6+ months a year but all of them like having their own place to come back too now and then.
by lthenderson
Mon Apr 23, 2018 4:14 pm
Forum: Personal Consumer Issues
Topic: IPhone Faulty Battery Diagnosis
Replies: 32
Views: 1379

Re: IPhone Faulty Battery Diagnosis

Owner of two Apple 6s phones with significantly degraded battery life. When new I used to go several days between charging. Now I have to top it off once during the day just to get through until evening. According to the Battery Health diagnosis, I have a maximum capacity of 79%. What gets me is bel...
by lthenderson
Mon Apr 23, 2018 4:03 pm
Forum: Personal Consumer Issues
Topic: Experience with wood countertops for kitchen / wet bar ?
Replies: 9
Views: 712

Re: Experience with wood countertops for kitchen / wet bar ?

With a waterproof finish, a wood countertop should hold up just fine. I can think of countless bars with wooden bar tops that have held up over generations perfectly fine. However, with time (many years), microcracks will develop in hard finishes like polyurethane that will let water seep into the w...
by lthenderson
Mon Apr 23, 2018 3:42 pm
Forum: Personal Consumer Issues
Topic: Question charging smart phones
Replies: 17
Views: 1192

Re: Question charging smart phones

Does anyone know (or have a credible basis for) the best charging practices? I don't know the answer and have really never cared to know the answer. When necessary I charge my phone and leave it on the charger hours after it is charged overnight. If it degrades the battery any, the degraded battery...
by lthenderson
Mon Apr 23, 2018 8:12 am
Forum: Personal Consumer Issues
Topic: 'Basic' phones that work with Lyft & Uber?
Replies: 12
Views: 903

Re: 'Basic' phones that work with Lyft & Uber?

I've never used it but have heard of others in your situation using GoGoGrandparent to get a Lyft or Uber. I believe it tacks on an extra amount per minute to your ride bill however.

https://gogograndparent.com/
by lthenderson
Sun Apr 22, 2018 7:59 am
Forum: Personal Consumer Issues
Topic: How long have you been unemployed?
Replies: 49
Views: 3765

Re: How long have you been unemployed?

I got laid off two weeks before 9/11 occurred and thought I might never get employed after but eventually did 4 months later. That was the longest period of time until I pulled the plug permanently.
by lthenderson
Sat Apr 21, 2018 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Is the first 100k really the hardest?
Replies: 95
Views: 29833

Re: Is the first 100k really the hardest?

To me, the statement that the first $XXX amount was the hardest referred more to the idea that getting into the habit of budgeting, saving, and investing for the future are really the hardest steps. (Many people don't even get past the budgeting part) Once you've completed that and stuck with it lo...
by lthenderson
Sat Apr 21, 2018 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Considering a 529 with limited time horizon
Replies: 6
Views: 712

Re: Considering a 529 with limited time horizon

-buzz- wrote:
Thu Apr 19, 2018 12:26 pm
1) Does a 529 even make sense at this late date?
I think so just because you will still get tax free gains. Whatever gains you don't use can simply pass onto the next child until it is all used up and reduce the amount of money you will have to remove from your taxable accounts.
by lthenderson
Sat Apr 21, 2018 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Settlement Offer -- Accept or Wait?
Replies: 66
Views: 4858

Re: Settlement Offer -- Accept or Wait?

Your thoughts? I was in the same type of accident, suffered a concussion and received a settlement check within weeks. I waited until the last of my medical bills came in to ensure the check would cover it. As it turned out, the medical bills came in higher but the overall out of pocket amount I wa...
by lthenderson
Fri Apr 20, 2018 9:18 pm
Forum: Personal Consumer Issues
Topic: How long have you been employed?
Replies: 44
Views: 2444

Re: How long have you been employed?

Counting my business that I started as a teenager, roughly 25 years of being employed. I'm now in year six of no employment and like it much better.
by lthenderson
Fri Apr 20, 2018 1:29 pm
Forum: Personal Consumer Issues
Topic: How to ask town to build a sidewalk?
Replies: 22
Views: 1240

Re: How to ask town to build a sidewalk?

TravelforFun wrote:
Fri Apr 20, 2018 1:25 pm
What maintainance do sidewalks require?
In our area keeping them clear of snow and ice in the winter time can be a big chore. To a lesser extent, free of sagging branches and encroaching plant materials in the summer time.
by lthenderson
Fri Apr 20, 2018 1:27 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2977
Views: 917958

Re: What Book Are You Currently Reading? Part VI

"The Wilderness of Ruin: A Tale of Madness, Fire, and the Hunt for America's Youngest Serial Killer" by Roseanne Montillo The book is pretty much about what the title says it was about and took place in Boston. I guess my only "disappointment" was that the serial killer in question only killed two p...
by lthenderson
Fri Apr 20, 2018 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: When can you buy TurboTax for 2018 tax year?
Replies: 11
Views: 1163

Re: When can you buy TurboTax for 2018 tax year?

Turbo Tax has an online calculator for 2018 taxes. Not sure if it does your specific situation though.

https://turbotax.intuit.com/tax-tools/c ... taxcaster/
by lthenderson
Fri Apr 20, 2018 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: How do I make sure IRS receives my manual tax return ?
Replies: 84
Views: 5093

Re: How do I make sure IRS receives my manual tax return ?

Most people who file by mail just stick a stamp on it and drop it in the mailbox. Is there something special about your return where that’s not good enough? You haven't actually mailed anything in a while, have you? Stamps haven't been "lickable" since 1974. Where did I say anything about licking? ...
by lthenderson
Fri Apr 20, 2018 12:56 pm
Forum: Personal Consumer Issues
Topic: Do you buy new or used cars?
Replies: 107
Views: 5780

Re: Do you buy new or used cars?

Done it both ways many times. While I think it is easier to get a better deal buying used, I find it a much easier process buying a new car. Give me two hours and I can by driving a new car off the lot. Buying used generally takes me a few days to a few weeks depending on how specific the vehicle.
by lthenderson
Fri Apr 20, 2018 12:50 pm
Forum: Personal Consumer Issues
Topic: How to ask town to build a sidewalk?
Replies: 22
Views: 1240

Re: How to ask town to build a sidewalk?

Sidewalks are generally within the roadway right-of-way, which is owned by the city, county, or state, depending on the jurisdiction of the roadway. Likely, in a residential area in town, this will be the city's responsibility. I've been in a lot of towns but never one where sidewalks have been the...
by lthenderson
Fri Apr 20, 2018 8:31 am
Forum: Personal Consumer Issues
Topic: Another discussion about private vs public schools?
Replies: 79
Views: 4139

Re: Another discussion about private vs public schools?

What are your thoughts? Any suggestions? Am I missing something? How did you make these decisions? Even if I can "afford" private school, is it throwing money down the toilet? I'm on the school board of a small private school here in the Midwest and will offer some of my thoughts. Like others have ...
by lthenderson
Fri Apr 20, 2018 8:16 am
Forum: Personal Consumer Issues
Topic: Master Bath remodel price?
Replies: 27
Views: 2437

Re: Master Bath remodel price?

Just finished our bathroom remodel the day before Easter. It cost me a whopping $3k for all new fixtures, materials, floor heating elements, etc. I did all the labor.
by lthenderson
Fri Apr 20, 2018 8:05 am
Forum: Personal Consumer Issues
Topic: Factor in evaluating Physicians
Replies: 86
Views: 4520

Re: Factor in evaluating Physicians

My spouse has never accepted anything from a drug rep and yet she is on there for about $50 a year. She does invite diabetes patients to a after hours meeting once a year (in which she doesn't get paid) and invite drug reps to present the latest and greatest diabetes control devices to the patients....
by lthenderson
Thu Apr 19, 2018 9:03 pm
Forum: Personal Consumer Issues
Topic: managing travel expectations
Replies: 3
Views: 651

Re: managing travel expectations

how would you recommend my doing so both to preserve the relationship as I do like this woman though also not create undo tension around this issue? I would mention your dislike for traveling when the time is right but try to make Livesoft's suggestion work. I know other couples that go this route ...
by lthenderson
Thu Apr 19, 2018 10:16 am
Forum: Personal Finance (Not Investing)
Topic: New Home Construction - Financing Options
Replies: 3
Views: 493

Re: New Home Construction - Financing Options

Depending on the codes where you are building your new house, I have seen several friends successfully build their new house after selling their old house and using the capital to pay for the new house with a much smaller loan. In all three cases, they have lived temporarily in a trailer house on si...
by lthenderson
Thu Apr 19, 2018 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Can I retire at age 40?
Replies: 151
Views: 14307

Re: Can I retire at age 40?

This thread is hilarious. Make sure to save enough for the divorce that will come when your wife works as a teacher while you sit at home. Not to mention the work ethic that you'll be instilling in your children. Find a different job. The beauty of your position is that it can pay less, so you have...
by lthenderson
Thu Apr 19, 2018 9:36 am
Forum: Personal Consumer Issues
Topic: What does a typical homeowners insurance policy have?
Replies: 10
Views: 1030

Re: What does a typical homeowners insurance policy have?

My home insurance coverage is for full replacement cost of house and contents. This has been adjusted as the years have gone by due to market fluctuations in the area and as our house and contents has changed. I have an annual review with my insurance agent to discuss these changes and make any adju...
by lthenderson
Wed Apr 18, 2018 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: Quitting job - what to do if getting walked to the door
Replies: 106
Views: 10860

Re: Quitting job - what to do if getting walked to the door

Sometimes the unexpected happens. The best pay raise I ever got came the day after I gave my two week notice. I stayed around the original company for a couple more years and then got walked out the door without advance notice during some massive layoffs though they did give me an hour to pack up my...
by lthenderson
Wed Apr 18, 2018 10:15 am
Forum: Personal Consumer Issues
Topic: car [pay off, or invest instead?]
Replies: 2
Views: 258

Re: car [pay off, or invest instead?]

You really need to tell us what interest rate you are paying on the loan.
by lthenderson
Wed Apr 18, 2018 10:10 am
Forum: Personal Consumer Issues
Topic: How do you know what price to negotiate when buying a used car?
Replies: 28
Views: 1568

Re: How do you know what price to negotiate when buying a used car?

Besides other sources listed above, I also look on ebay to see what that car is selling for elsewhere.
by lthenderson
Tue Apr 17, 2018 7:16 pm
Forum: Personal Consumer Issues
Topic: How to buy a gravestone online?
Replies: 8
Views: 607

Re: How to buy a gravestone online?

All the local monument companies around here will ship anywhere in the continental United States. I'm guessing it is the same for Texas so you can work with a local company and just have it shipped.
by lthenderson
Tue Apr 17, 2018 1:49 pm
Forum: Personal Consumer Issues
Topic: Please suggest a file folder type
Replies: 21
Views: 1149

Re: Please suggest a file folder type

Looking for folder types that can stand up on a closet shelf, with a reasonable quality and price and can be easily separated by a separator or a tag for different years..etc Any suggestions to a specific brand, or type would be appreciated. I buy hanging files and then the corresponding plastic bo...
by lthenderson
Tue Apr 17, 2018 10:24 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2977
Views: 917958

Re: What Book Are You Currently Reading? Part VI

Recently finished "Never Out of Season: How Having the Food We Want When We Want It Threatens Our Food Supply and Our Future" by Rob Dunn This definitely was an eye opening book about the problems we already have had and will have in our future by raising large mono-culture crops like coffee, banana...
by lthenderson
Tue Apr 17, 2018 10:13 am
Forum: Personal Consumer Issues
Topic: BH travel tips?
Replies: 147
Views: 8712

Re: BH travel tips?

One way we have reduced travel stress is to rigorously avoid tight connections. I agree and attempt to do this every time but it doesn't always work out. We purchase tickets months in advance online and by the time the day of our departure has rolled around, our well thought out schedule has been a...
by lthenderson
Mon Apr 16, 2018 1:11 pm
Forum: Personal Consumer Issues
Topic: power tool that replaces both allen wrench and screwdriver
Replies: 9
Views: 581

Re: power tool that replaces both allen wrench and screwdriver

I have a complete set of allen wrench and screwdriver bits that fit in my quick change impact driver.
by lthenderson
Mon Apr 16, 2018 1:08 pm
Forum: Personal Consumer Issues
Topic: Having Child; Car Purchase maybe?
Replies: 40
Views: 1749

Re: Having Child; Car Purchase maybe?

for longer trips maybe a pack-n-play. At of all the stuff we acquired or were gifted during our two kids growing up, the pack-n-play was the least used of them all. When our kids were little and immobile, it wasn't needed. A soft blanket on the floor worked well. When they were older and mobile, ne...
by lthenderson
Mon Apr 16, 2018 9:59 am
Forum: Personal Finance (Not Investing)
Topic: If home prices decline but mortgage rates keep rising
Replies: 25
Views: 2688

Re: If home prices decline but mortgage rates keep rising

Ignore all the speculation. Buy a house for the right reasons and ignore what everyone says about the future and you will probably come out on top. I bought a house just a few years before the housing bubble collapsed the last time and sold it right before the markets really started back the other w...
by lthenderson
Mon Apr 16, 2018 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Can I retire at age 40?
Replies: 151
Views: 14307

Re: Can I retire at age 40?

I'm in a similar vein that you are but I can't get over the idea of the kids seeing me sit at home while they went to school at those young impressionable ages. One doesn't have to sit at home. I stopped working at 39 but have been very busy since giving back to my community in various capacities t...
by lthenderson
Sat Apr 14, 2018 10:04 am
Forum: Personal Finance (Not Investing)
Topic: When/how did you start teaching your child about personal finance?
Replies: 15
Views: 1101

Re: When/how did you start teaching your child about personal finance?

My kids don't get an allowance. Any chores they do are for the good of the family.
Any money received as gifts is put into a savings account.
If they NEED something, we buy it for them. If they WANT something, they wait for a birthday or Christmas.
We discuss the difference between NEEDS and WANTS.
by lthenderson
Sat Apr 14, 2018 9:42 am
Forum: Personal Consumer Issues
Topic: Is a reduction of my home's assessed value a bad thing?
Replies: 21
Views: 1192

Re: Is a reduction of my home's assessed value a bad thing?

Who looks at the assessed value when valuing a home? Nobody but the tax man. Or perhaps people in the Midwest where house prices pretty much follow assessment values. I've never bought a house for more than 2% off of the assessed value. So out here, you would be shooting yourself in the foot if you...
by lthenderson
Sat Apr 14, 2018 9:36 am
Forum: Personal Consumer Issues
Topic: BH travel tips?
Replies: 147
Views: 8712

Re: BH travel tips?

I pull out a map and locate all the hot travel destinations and then pick a point somewhere in the middle that avoids all of them.
by lthenderson
Fri Apr 13, 2018 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Should you always use a 529?
Replies: 30
Views: 1386

Re: Should you always use a 529?

I am unclear on the benefit I would reap from the 529. There are two big benefits. One is that all gains are tax free. The second one varies by state. In my state with two kids, I get to deduct approximately $15,000 per year off my adjusted gross income so that I don't have to pay tax on it. If for...
by lthenderson
Fri Apr 13, 2018 8:24 am
Forum: Personal Finance (Not Investing)
Topic: (Privately) shopping for insurance
Replies: 15
Views: 1511

Re: (Privately) shopping for insurance

I have insurance through a small regional company. Because there is no automated forms for insurance quotes, they only get the information they need to provide you with a quote. When you go with the large international companies, their online quote forms have to be generic enough to capture enough i...
by lthenderson
Fri Apr 13, 2018 8:12 am
Forum: Personal Consumer Issues
Topic: Farewell gift for office when quitting job?
Replies: 19
Views: 2430

Re: Farewell gift for office when quitting job?

I would do food, either cater it in or invite everyone out.
by lthenderson
Fri Apr 13, 2018 8:09 am
Forum: Personal Consumer Issues
Topic: Should I insulate my garage?
Replies: 13
Views: 1657

Re: Should I insulate my garage?

Personally I would insulate the garage and I have done so twice before. Insulation is one of the cheapest things to add to a house, especially if the stud bays are already open and one of the easiest DIY projects. Afterwards, I think the benefits are worth it especially in a climate with weather ext...
by lthenderson
Fri Apr 13, 2018 8:00 am
Forum: Personal Consumer Issues
Topic: Cedar Fence: is Maintenance required?
Replies: 30
Views: 1974

Re: Cedar Fence: is Maintenance required?

1. Is there any maintenance that clearly extends the life of a cedar fence? - Does staining or watersealing extend lifespan, or is it only cosmetic? - Does the cost of maintenance pay for itself, or is it cheaper to just save the maintenance money and buy a replacement fence earlier? 2. Which exten...
by lthenderson
Thu Apr 12, 2018 9:09 am
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 329
Views: 21728

Re: Anyone Deleting Facebook?

The baby is a free global platform over which you can join interest groups and get private information. Probably about 75% of the organizations I am involved with and need information from ONLY have Facebook pages because they are easy and free to create. Not having a Facebook account would mean no...