Search found 2725 matches

by lthenderson
Fri Feb 23, 2018 2:22 pm
Forum: Personal Consumer Issues
Topic: Third floor too hot with central A/C: options?
Replies: 11
Views: 213

Re: Third floor too hot with central A/C: options?

Any other ideas for improving cooling on this floor in the summer? There are now a number of companies that make smart vent covers that essentially turn every room into its own zone. They replace your old vent covers and after you program them with your smart phone, open and close to maintain your ...
by lthenderson
Fri Feb 23, 2018 2:15 pm
Forum: Personal Consumer Issues
Topic: Help! Buying my first sofa/couch
Replies: 25
Views: 772

Re: Help! Buying my first sofa/couch

Here's my situation: 1. Don't have a car. 2. Renter (expect to move from current apt in 3-5 years), so whatever I buy has to be durable enough to move in the future. 3. Have a girlfriend who lives with me but not we're married. 4. The goal of the couch is to have a comfortable place for both of us ...
by lthenderson
Fri Feb 23, 2018 9:27 am
Forum: Personal Consumer Issues
Topic: What UN-frugal thing do you do?
Replies: 161
Views: 7224

Re: What UN-frugal thing do you do?

I don't find people here to be particularly frugal. +1 Almost all my splurges seem frugal on this forum. But then I live in the rural midwest which evidently costs a tiny fraction to live as what it does on either coast or other large midwestern urban areas and I come from a long line of very fruga...
by lthenderson
Fri Feb 23, 2018 9:21 am
Forum: Personal Consumer Issues
Topic: Auto insurance damage claim
Replies: 37
Views: 1178

Re: Auto insurance damage claim

I recently went through a similar situation with a vehicle. Fortunately my agent told me up front that if I just pocket the money and don't fix it, that if anything else should happen to the vehicle, they would deduct the payout from the car value up front before calculating any further damages.
by lthenderson
Thu Feb 22, 2018 2:07 pm
Forum: Personal Consumer Issues
Topic: Any Creative Ways to Cut the Cable?
Replies: 49
Views: 4066

Re: Any Creative Ways to Cut the Cable?

Any suggestions on how to do this? My solution has been to just switch cable companies every couple years between the dish based ones and whatever local landbased one is available to you. This way you don't have to log into or switch between a handful of services to get everything you like. Wheneve...
by lthenderson
Thu Feb 22, 2018 1:59 pm
Forum: Personal Consumer Issues
Topic: How Secure Is Your Apartment
Replies: 29
Views: 2640

Re: How Secure Is Your Apartment

So for your apartment dwellers, how comfortable are you trusting apartment personnel who have access to your apartment not to invade your personal files, both electronic and hard copy, when you're not there? Have you taken any extra security measures to protect them? I'm not so concerned if they st...
by lthenderson
Thu Feb 22, 2018 1:52 pm
Forum: Personal Consumer Issues
Topic: Boglehead Flashlight?
Replies: 45
Views: 2629

Re: Boglehead Flashlight?

I love headlamps as well, particularly for surfcasting. However I need them to be able to swivel vertically. Makes a big difference in what I want to focus my light on when fishing/hiking - sometimes down on my hands when changing lures, or out in front when scanning the water. Perhaps it is time t...
by lthenderson
Thu Feb 22, 2018 10:12 am
Forum: Personal Consumer Issues
Topic: Recommended resources for a new manager?
Replies: 4
Views: 267

Re: Recommended resources for a new manager?

I haven't read this particular book but the others by Dale Carnegie Training ("How To Win Friends and Influence People" and "Make Yourself Unforgettable") have been very well written. I also took one of their courses on public speaking that has served me very well over the decades. https://www.amazo...
by lthenderson
Wed Feb 21, 2018 9:32 am
Forum: Personal Consumer Issues
Topic: Mental Accounting -- How to solve problem
Replies: 31
Views: 2674

Re: Mental Accounting -- How to solve problem

The first thing I would do is to stop thinking about these things monthly. It is okay to have a monthly budget but life happens and not every expense or earning comes monthly. What I generally do is try to compare an entire year's budget with a prior years budget. So at the end of this month, I will...
by lthenderson
Wed Feb 21, 2018 9:23 am
Forum: Personal Consumer Issues
Topic: Cedar Roof
Replies: 27
Views: 1604

Re: Cedar Roof

Never had a house with a cedar roof but had a cabin with cedar siding. It was one decade long non-stop battle against woodpeckers until we replaced it with metal siding. Every year when we opened the cabin, we would have to spend a day repairing holes and other damage caused by the woodpeckers.
by lthenderson
Wed Feb 21, 2018 9:20 am
Forum: Personal Consumer Issues
Topic: Maui and what other island?
Replies: 28
Views: 2336

Re: Maui and what other island?

Flying in from east coast and would also like advice on which island to fly into. We flew into Kauai directly from Dallas so there are direct flights there. I'm not sure if your extra week is before or after Maui but if it is before, that might be a good option. There are lots of inter island fligh...
by lthenderson
Tue Feb 20, 2018 4:10 pm
Forum: Personal Consumer Issues
Topic: Price of home heating oil vs gasoline?
Replies: 18
Views: 641

Re: Price of home heating oil vs gasoline?

How much would you have to pay for a gallon of gas delivered to your house and put in your car? Or vice versa: How much would you have to pay for a gallon of heating oil if you loaded up and drove your heating oil tank to the local distribution point and filled it up yourself? I buy gasoline in amo...
by lthenderson
Tue Feb 20, 2018 3:19 pm
Forum: Personal Consumer Issues
Topic: Price of home heating oil vs gasoline?
Replies: 18
Views: 641

Re: Price of home heating oil vs gasoline?

How much would you have to pay for a gallon of gas delivered to your house and put in your car? Or vice versa: How much would you have to pay for a gallon of heating oil if you loaded up and drove your heating oil tank to the local distribution point and filled it up yourself? I buy gasoline in amo...
by lthenderson
Tue Feb 20, 2018 12:49 pm
Forum: Personal Consumer Issues
Topic: Furnace Setting for Vacation
Replies: 23
Views: 1252

Re: Furnace Setting for Vacation

I don't have external pipes in my walls so I have set mine at 50 degrees before with no problems for long vacations in the heart of winter. However, I generally leave it at 60 degrees for a couple reasons. The house plants do better long term when at 60 degrees and it doesn't take so long to heat th...
by lthenderson
Tue Feb 20, 2018 12:42 pm
Forum: Personal Consumer Issues
Topic: Good brands for Kitchenware?
Replies: 38
Views: 2684

Re: Good brands for Kitchenware?

Any thoughts on cast iron vs stainless steel vs enameled cast iron? Can stainless steel be used for all types of cooking? We use our stainless steel All Clad for all types of cooking. However, the other two have some advantages and we use them occasionally. We have LeCreuset enameled cast iron that...
by lthenderson
Tue Feb 20, 2018 10:25 am
Forum: Personal Consumer Issues
Topic: Price of home heating oil vs gasoline?
Replies: 18
Views: 641

Re: Price of home heating oil vs gasoline?

How much would you have to pay for a gallon of gas delivered to your house and put in your car?

Or vice versa:

How much would you have to pay for a gallon of heating oil if you loaded up and drove your heating oil tank to the local distribution point and filled it up yourself?
by lthenderson
Tue Feb 20, 2018 9:56 am
Forum: Personal Consumer Issues
Topic: Repairing Stucco: A Case of Contractor Gouging
Replies: 39
Views: 2707

Re: Repairing Stucco: A Case of Contractor Gouging

I can easily see the same job costing more in a nicer development then in say a low priced area. Someone in a nicer home will likely expect a better quality job and may be fussier about the outcome... more time for the contractor. Better that he's telling you upfront then he surprises you with the ...
by lthenderson
Tue Feb 20, 2018 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Cut down on retirement savings to build emergency fund
Replies: 20
Views: 1151

Re: Cut down on retirement savings to build emergency fund

My first choice would be to cut back on other expenses to build up the emergency fund. If I were to cut back on retirement savings, I would still contribute enough to max out any employer matches. Long term, I would have more of an emergency fund so you don't find yourself in this situation again.
by lthenderson
Tue Feb 20, 2018 8:59 am
Forum: Personal Consumer Issues
Topic: 26 foot Box Truck Rental Questions (Tolls and Insurance)
Replies: 10
Views: 574

Re: 26 foot Box Truck Rental Questions (Tolls and Insurance)

Years ago I did a move of about 1000 miles with a truck that big pulling my car on a dolly behind. Interstates are pretty easy to navigate. I set the cruise on the speed limit so almost all the traffic was going faster than me and just cruised away so it limited how many people I passed. Along the w...
by lthenderson
Mon Feb 19, 2018 3:23 pm
Forum: Personal Consumer Issues
Topic: Bogleheads with $100K+ MSRP cars?
Replies: 97
Views: 9084

Re: Bogleheads with $100K+ MSRP cars?

I used to have a backhoe that was almost that much, and an excavator that was pretty pricey. They are a blast to "drive" but go very very slow. j :D I drive a vehicle for only four weeks a year that retails for almost $600,000. http://blog.machinefinder.com/wp-content/uploads/2017/06/S700-Combine-e...
by lthenderson
Mon Feb 19, 2018 3:05 pm
Forum: Personal Consumer Issues
Topic: Is window replacement this expensive?
Replies: 27
Views: 2310

Re: Is window replacement this expensive?

New windows are very expensive which is why it is almost never worth it replace over just fixing up the existing ones because the payback period (energy savings vs. cost) is often longer than the owner's life expectancy. Saying that, dealers are going to quote the highest prices for labor. If you wa...
by lthenderson
Thu Feb 15, 2018 9:13 am
Forum: Personal Consumer Issues
Topic: Photography related question - time lapse
Replies: 3
Views: 235

Re: Photography related question - time lapse

I would be interested to know if the programmed set point on a drone is accurate enough for a multi-day time lapse. I googled time lapse drone photography and there are a number of videos online but all with the drone staying put for a couple hours and that is it. If you are interested in building a...
by lthenderson
Thu Feb 15, 2018 9:03 am
Forum: Personal Consumer Issues
Topic: Photography related question - time lapse
Replies: 3
Views: 235

Re: Photography related question - time lapse

I do time lapse photography from time to time. I have a small pelican box that I have modified to fit an SLR camera that would accept some old lenses I had laying around the house. I bought a timer and a power cord for it and simply strap it to the nearest handy object within range of an outlet and ...
by lthenderson
Thu Feb 15, 2018 8:50 am
Forum: Personal Consumer Issues
Topic: rule of thumb of when to sell your car
Replies: 50
Views: 3395

Re: rule of thumb of when to sell your car

What if the repair allows comfortable use and running of the car for another 3-5 years? The low cost of keeping and running the car can make it worthwhile to postpone the car purchase for that much time. +1 This is why one should always include the expected additional life when figuring out whether...
by lthenderson
Wed Feb 14, 2018 10:36 am
Forum: Personal Consumer Issues
Topic: 2016 Honda Pilot vs. Kia Sorento vs. RAV4 - Help me pick
Replies: 14
Views: 922

Re: 2016 Honda Pilot vs. Kia Sorento vs. RAV4 - Help me pick

We have a 17 Sienna and a 15 RAV4. Did you know the RAV4 has a sport mode (at least on some models) that allows for a lot better acceleration up to interstate speeds?
by lthenderson
Wed Feb 14, 2018 10:30 am
Forum: Personal Consumer Issues
Topic: Digital alarm clock suggestions?
Replies: 26
Views: 1726

Re: Digital alarm clock suggestions?

Angelus359 wrote:
Wed Feb 14, 2018 9:40 am
If you want minimal buttons you could get an Amazon Alexa echo dot, and use that as an alarm

+1 I haven't seen an alarm clock that has all your must haves.
by lthenderson
Wed Feb 14, 2018 10:26 am
Forum: Personal Consumer Issues
Topic: rule of thumb of when to sell your car
Replies: 50
Views: 3395

Re: rule of thumb of when to sell your car

What if the repair allows comfortable use and running of the car for another 3-5 years? The low cost of keeping and running the car can make it worthwhile to postpone the car purchase for that much time. +1 This is why one should always include the expected additional life when figuring out whether...
by lthenderson
Wed Feb 14, 2018 8:51 am
Forum: Personal Consumer Issues
Topic: rule of thumb of when to sell your car
Replies: 50
Views: 3395

Re: rule of thumb of when to sell your car

Does anyone have any rules of thumb that they use on when its time to sell? I would start saving the $280/month until you have enough money saved to pay all cash for a new car. Then it is a matter of waiting until something big happens that requires more money than you want to sink into an old car....
by lthenderson
Wed Feb 14, 2018 8:47 am
Forum: Personal Consumer Issues
Topic: Best way to sell a Washer and Dryer
Replies: 11
Views: 899

Re: Best way to sell a Washer and Dryer

GridironGems wrote:
Tue Feb 13, 2018 10:09 pm
I help out a gentleman whom is in a retirement facility and he recently moved to a different room.
I would also try posting an ad on the facility bulletin board. Lots of times incoming residents have a need for different equipment than what they had in their houses.
by lthenderson
Tue Feb 13, 2018 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Simplifying the Financial Records
Replies: 8
Views: 1000

Re: Simplifying the Financial Records

I use an Excel spreadsheet to input the balances of all my retirement assets once a month to get a general picture of how it is progressing. I use Quicken but mostly just to keep tabs on spending amounts per year, no fine detail.
by lthenderson
Tue Feb 13, 2018 11:56 am
Forum: Personal Consumer Issues
Topic: Medical Lab Fees - Not Covered
Replies: 13
Views: 1243

Re: Medical Lab Fees - Not Covered

I and my family have had a number of medical doctor visits over the last year. I go to the medical practice that is within my plan. (Aetna) The doctor performs his work under the cost structure of the Aetna plan. However, I will receive bills from labs etc. months after my visit/procedure. Is there...
by lthenderson
Tue Feb 13, 2018 11:23 am
Forum: Personal Consumer Issues
Topic: TV assisted listening
Replies: 4
Views: 479

Re: TV assisted listening

Is there a system that will enable one hard of hearing person to use headphones while the others use a sound bar at a normal volume? TV is a somewhat recent Vizio set with their sound bar, which is connected to the optical port. Just went through this yesterday with my elderly grandparents. I bough...
by lthenderson
Tue Feb 13, 2018 11:17 am
Forum: Personal Consumer Issues
Topic: What big item (>20k) are you saving up for?
Replies: 133
Views: 9555

Re: What big item (>20k) are you saving up for?

(Reason for my post is I have bit of taxable saved up and thinking about what I might spend it on if I chose to spend it.) I would suggest that this line or reasoning is not a healthy way to think about money, i.e. dreaming up ways to spend money sitting in an account. A more healthy way would be t...
by lthenderson
Tue Feb 13, 2018 11:08 am
Forum: Personal Consumer Issues
Topic: Anyone have a Walabot (imaging sensor for wires, pipes, studs in walls)?
Replies: 17
Views: 1788

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

I've been remodeling houses for years and really don't understand why anyone would need to spend money on these sorts of things. I can use my knuckle on my hand to locate any stud. So you can bang on a wall and find the exact center of every stud with a degree of accuracy where you would be comfort...
by lthenderson
Mon Feb 12, 2018 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Accountant not doing taxes while you are there
Replies: 21
Views: 2146

Re: Accountant not doing taxes while you are there

Has anyone ever had a CPA not complete their taxes while they were there at the appointment? Were they a CPA or an Independent Accountant like you might find at chain tax places like H&R Block? There is a big difference in skill sets and how they go about doing taxes. In my experience, CPA's do exa...
by lthenderson
Mon Feb 12, 2018 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice on new home purchase
Replies: 15
Views: 1208

Re: Need advice on new home purchase

Jags4186 wrote:
Mon Feb 12, 2018 4:39 pm
Can you not qualify for a conventional mortgage?
We've always just gone this route and got a regular mortgage for the new house and once moved, do cosmetic work to the old house and sell it. Once you have the old house sold, you can simply pay off the new mortgage early or invest in other ways.
by lthenderson
Mon Feb 12, 2018 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Where to put money for car/house expenses
Replies: 10
Views: 520

Re: Where to put money for car/house expenses

Since we tend to drive cars until they stop driving and most most of our house expenses are unforseen (i.e. the water heater springs a leak), we just keep the money in our emergency fund. I like to keep between a year and 18 months of expenses in my emergency fund so if we need a car or a major repa...
by lthenderson
Mon Feb 12, 2018 10:05 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2854
Views: 894715

Re: What Book Are You Currently Reading? Part VI

I just finished "Astrophysics For People In a Hurry" by Neil Degrasse Tyson. I really enjoyed this book though I admit that even after just finishing it I would be hard pressed to explain some principles like what a quasar is to someone. A lot of things stuck with me but not everything which is prob...
by lthenderson
Mon Feb 12, 2018 9:55 am
Forum: Personal Consumer Issues
Topic: Do you think it is worth the money to travel to warm weather destinations during the winter?
Replies: 77
Views: 6411

Re: Do you think it is worth the money to travel to warm weather destinations during the winter?

For me, traveling to someplace warmer during the winter months is only worth it if whatever your plans are once you get there are worth it. In other words, it isn't worth it just for some sunshine and warmth. But if you really enjoy baseball and want to see a specific team play in someplace warm, th...
by lthenderson
Mon Feb 12, 2018 9:49 am
Forum: Personal Consumer Issues
Topic: Driving a rental car in Western Europe
Replies: 46
Views: 1551

Re: Driving a rental car in Western Europe

2. In Germanic regions, there is a much, much stronger cultural expectation that you keep to the right unless passing. Here in the States, people go slow(er) in the left lane all time, and it's certainly annoying. But on the Autobahn, it's simply not done . If you wind up getting passed on the righ...
by lthenderson
Mon Feb 12, 2018 9:47 am
Forum: Personal Consumer Issues
Topic: Home buying: how to send postcards to neighborhood we want to live in?
Replies: 38
Views: 3767

Re: Home buying: how to send postcards to neighborhood we want to live in?

I've never bought a house this way but did buy some land this way. I just wrote a letter stating who I was and that if someday in the future they were interested in selling the land to please contact me and let me make an offer on the property. They contacted me a month later and we made a deal. Alt...
by lthenderson
Mon Feb 12, 2018 9:39 am
Forum: Personal Consumer Issues
Topic: Bonavita 1500 vs 1800/1900? (coffee)
Replies: 16
Views: 1260

Re: Bonavita 1500 vs 1800/1900? (coffee)

We bought the Bonavita BV1800TH based off of a testing review by America's Test Kitchen and have been extremely pleased with the quality of coffee it makes. The only two complaints I have are one, like someone above mentioned, the marked scale on the reservoir are for small 6 oz coffee cups and not ...
by lthenderson
Mon Feb 12, 2018 9:32 am
Forum: Personal Consumer Issues
Topic: Anyone have a Walabot (imaging sensor for wires, pipes, studs in walls)?
Replies: 17
Views: 1788

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

I've been remodeling houses for years and really don't understand why anyone would need to spend money on these sorts of things. I can use my knuckle on my hand to locate any stud. For water lines and electrical lines, there are codes for people installing them to prevent people from accidentally pu...
by lthenderson
Mon Feb 12, 2018 9:22 am
Forum: Personal Consumer Issues
Topic: Driving a rental car in Western Europe
Replies: 46
Views: 1551

Re: Driving a rental car in Western Europe

Like many others, I have driven and rented cars throughout western Europe with no problems. I like the spontaneity of being able to stop whenever I want and looking back, I always think some of the best experiences have been along unplanned stops en-route to some particular destination. Like someone...
by lthenderson
Fri Feb 09, 2018 4:20 pm
Forum: Personal Consumer Issues
Topic: A bill from the doctor - how/should I contest?
Replies: 44
Views: 3810

Re: A bill from the doctor - how/should I contest?

Like the others, I would probably contest it initially until I got a better answer. However, in the long run, I would probably pay the $300 versus having it turned over to collection agencies and such because the aggravation caused by that would be worse than being out $300. Since it went through yo...
by lthenderson
Fri Feb 09, 2018 4:14 pm
Forum: Personal Consumer Issues
Topic: Not happy where we live
Replies: 26
Views: 2866

Re: Not happy where we live

I have always lived by doing what makes me happy. If I had a toxic environment or job, I moved or changed jobs and I have even taken large pay cuts to do so. But long term, the money has always followed me where ever I have gone. It may be coincidence but I like to think that if you are happy, you p...
by lthenderson
Fri Feb 09, 2018 10:04 am
Forum: Personal Consumer Issues
Topic: Suggest coffee maker please
Replies: 110
Views: 6347

Re: Suggest coffee maker please

Don't all standard coffee makers allow you to adjust the strength? - you just add a couple of extra tablespoons of ground coffee - does something prevent you from doing that? I don't know dear, I'm trying for the 1st time. I used two tablespoons of coffee but it didn't feel strong like the drip cof...
by lthenderson
Fri Feb 09, 2018 9:55 am
Forum: Personal Consumer Issues
Topic: Suggest coffee maker please
Replies: 110
Views: 6347

Re: Suggest coffee maker please

Pour-over is the same basic method as used by most 'automatic' coffee makers, except you heat the water in a kettle and pour it over by hand. Typically a paper filter is used. The difference is you have more control over water temperature and the rate the water pours. Know that the perfect temperat...
by lthenderson
Fri Feb 09, 2018 9:52 am
Forum: Personal Consumer Issues
Topic: sudden overnight problem with spam email
Replies: 20
Views: 1381

Re: sudden overnight problem with spam email

Just took a look at my gmail spam folder. I've received six today and it isn't yet 9 am. Like the others, I never check the spam folder unless someone claims to have sent me an email that I didn't receive. Gmail has gotten so good at separating spam from legitimate emails that I haven't even had to ...
by lthenderson
Fri Feb 09, 2018 9:45 am
Forum: Personal Consumer Issues
Topic: Suggest coffee maker please
Replies: 110
Views: 6347

Re: Suggest coffee maker please

Don't all standard coffee makers allow you to adjust the strength? - you just add a couple of extra tablespoons of ground coffee - does something prevent you from doing that? I don't know dear, I'm trying for the 1st time. I used two tablespoons of coffee but it didn't feel strong like the drip cof...