Search found 4325 matches

by lthenderson
Fri Nov 15, 2019 9:46 am
Forum: Personal Consumer Issues
Topic: Anyone switch from oil to propane?
Replies: 30
Views: 1403

Re: Anyone switch from oil to propane?

Cons would be large propane tank outside, possible cost, and safety issues with propane. No experience with oil but have lived in houses run with propane. The tanks can be buried below ground if aesthetics are an issue. Propane can be bought on contract for future use to help smooth out cost curves...
by lthenderson
Wed Nov 13, 2019 9:44 am
Forum: Personal Consumer Issues
Topic: Anyone had their house repiped?
Replies: 32
Views: 3295

Re: Anyone had their house repiped?

op it depends on whether or not is prevention of pipes freezing is a priority Supposedly PEX can deal with freezing better, here is a comparison of cooper pipe, PEX & CVPVC in a freezer test https://www.youtube.com/watch?v=OOeBJ8mDr8Q Freezing is still an issue with PEX because it still connects to...
by lthenderson
Tue Nov 12, 2019 8:47 am
Forum: Personal Consumer Issues
Topic: Fruit Fly Problem
Replies: 24
Views: 2436

Re: Fruit Fly Problem

We started having fruit flies in our kitchen at the beginning of August. I've tried apple vinegar with dish soap, bleach down the drain, trying to not leave dirty dishes laying on counters and in sinks and killing them with my hand. Limited success. For the occasional problem, we use the above meth...
by lthenderson
Tue Nov 12, 2019 8:41 am
Forum: Personal Consumer Issues
Topic: Help :- Need a power wheelchair
Replies: 20
Views: 1412

Re: Help :- Need a power wheelchair

I haven't looked specifically for wheelchairs but the local medical supply company in town that sold new equipment also sold used equipment when I was looking for a walker with wheels for a grandparent. They were in a back room instead of being on display next to the new stuff.
by lthenderson
Mon Nov 11, 2019 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Cleaning my (Financial) House
Replies: 8
Views: 1105

Re: Cleaning my (Financial) House

I don't keep any document, paper or digital longer than required by law. The second an asset document is printed or emailed to you it is outdated and only good for providing your heirs with account numbers. I provide the account numbers in an asset document which I update whenever I add or subtract ...
by lthenderson
Mon Nov 11, 2019 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: Homebuying in Los Angeles - Advice Needed
Replies: 65
Views: 5239

Re: Homebuying in Los Angeles - Advice Needed

Should we try to stretch for a 15 year mortgage? Should we take out a 30 year mortgage and pay it off like it's a 15? Should we take a 30 year mortgage and pay it off normally and see where we're at in 15 years? Are there mortgage scenarios we should consider that I don't know about? We recently fo...
by lthenderson
Mon Nov 11, 2019 6:08 pm
Forum: Personal Consumer Issues
Topic: Anyone had their house repiped?
Replies: 32
Views: 3295

Re: Anyone had their house repiped?

op it depends on whether or not is prevention of pipes freezing is a priority Supposedly PEX can deal with freezing better, here is a comparison of cooper pipe, PEX & CVPVC in a freezer test https://www.youtube.com/watch?v=OOeBJ8mDr8Q Freezing is still an issue with PEX because it still connects to...
by lthenderson
Mon Nov 11, 2019 3:41 pm
Forum: Personal Consumer Issues
Topic: Mobile finance apps - do you use them?
Replies: 22
Views: 1061

Re: Mobile finance apps - do you use them?

I have apps on my phone for Capital One, Merrill Lynch and Vanguard. It is a very easy way to see balances and activity on the go, but lately I am wondering if this is really safe to do... If you have mobile finance apps on your phone do you limit where you check them? i.e. only from a wifi connect...
by lthenderson
Mon Nov 11, 2019 3:24 pm
Forum: Personal Consumer Issues
Topic: Anyone had their house repiped?
Replies: 32
Views: 3295

Re: Anyone had their house repiped?

I have copper piping and have never had any problems even though it is now almost 50 years old at this point. I wouldn't be so quick though to jump on the PEX bandwagon and assume that it will last longer without problems. I have a buddy who is a plumber and he has already redone PEX piping from the...
by lthenderson
Thu Nov 07, 2019 10:00 am
Forum: Personal Consumer Issues
Topic: Flooring
Replies: 19
Views: 1069

Re: Flooring

RYD wrote:
Thu Nov 07, 2019 9:30 am
I am looking at new flooring for a rental unit.
Whatever is the cheapest. I treat rental unit flooring as a consumable item and consider myself lucky if it only needs cleaning when the tenants move out. I usually go with carpet for those reasons.
by lthenderson
Thu Nov 07, 2019 9:44 am
Forum: Personal Consumer Issues
Topic: "Beer Money" Methods
Replies: 54
Views: 6850

Re: "Beer Money" Methods

I don't go out of my way to chase pennies. I would rather focus on other aspects of my life. But besides 2% cash back using my credit card, my local grocery store gives out gas credits for buying certain products which I already buy anyway and the gas credits are for the gas station chain where I fi...
by lthenderson
Thu Nov 07, 2019 9:21 am
Forum: Personal Consumer Issues
Topic: Using credit cards -international travel
Replies: 17
Views: 706

Re: Using credit cards -international travel

If given the option, I choose to be charged in local currency. Perhaps it is the countries I go to but I'm rarely given the choice. The times I have been given a choice were for bigger ticket items like hotel rooms. But for everyday items like food, fuel, shopping, etc., I almost never get asked.
by lthenderson
Wed Nov 06, 2019 9:31 am
Forum: Personal Consumer Issues
Topic: Weddings - The good? The bad?
Replies: 47
Views: 4287

Re: Weddings - The good? The bad?

Brianmcg321 wrote:
Tue Nov 05, 2019 10:01 pm
My wife and I have decided we are done with weddings.
+1

Although in our case, we never started going to weddings to begin with. In four decades, I've been to four weddings. Two were relatives and two were close friends. All the rest just get a card and a gift sent through the mail.
by lthenderson
Wed Nov 06, 2019 9:27 am
Forum: Personal Consumer Issues
Topic: Your Fantasy Kitchen (Cookware-wise)
Replies: 57
Views: 4126

Re: Your Fantasy Kitchen (Cookware-wise)

Our kitchen ware consists of what you have already. For the eggs, we buy non-stick skillets and treat them as usable items to dispose of eventually. We buy the winner of America's Test Kitchen which is T-Fal. Other than that, we have a few seasoned cast iron pans for various dishes as well. Probabl...
by lthenderson
Tue Nov 05, 2019 3:22 pm
Forum: Personal Consumer Issues
Topic: Your Fantasy Kitchen (Cookware-wise)
Replies: 57
Views: 4126

Re: Your Fantasy Kitchen (Cookware-wise)

Our kitchen ware consists of what you have already. For the eggs, we buy non-stick skillets and treat them as usable items to dispose of eventually. We buy the winner of America's Test Kitchen which is T-Fal. Other than that, we have a few seasoned cast iron pans for various dishes as well. Probably...
by lthenderson
Tue Nov 05, 2019 2:43 pm
Forum: Personal Consumer Issues
Topic: Weddings - The good? The bad?
Replies: 47
Views: 4287

Re: Weddings - The good? The bad?

We had our reception on the family farm. I provided meat to grill and some beverages and anyone who wanted to come was requested to bring a covered dish to share and a lawn chair. All told, spent a whopping $500 and that included tipping the priest, the reception supplies, pictures, cake, wedding dr...
by lthenderson
Mon Nov 04, 2019 5:37 pm
Forum: Personal Consumer Issues
Topic: Wife's car hit in a parking lot - how to deal with various issues?
Replies: 62
Views: 4473

Re: Wife's car hit in a parking lot - how to deal with various issues?

tell him he has one week to cut you a check for the car's value, or you'll contact his insurance company yourself. +1 This is what I would do as well. I've had bad luck getting at fault people to pay for the full amount of damage. Either they don't pay to start with, only want to fork over money fo...
by lthenderson
Mon Nov 04, 2019 1:44 pm
Forum: Personal Consumer Issues
Topic: Paying a contractor in cash
Replies: 48
Views: 1602

Re: Paying a contractor in cash

I have paid in cash though not in that amount and had no problems. I just requested a receipt and always made sure I was on the right side of the equation, i.e. outstanding work left to do could still be done for less than the amount of cash left to pay in case they bailed. 5% of 90k is a pretty nic...
by lthenderson
Mon Nov 04, 2019 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: will or living revocable trust
Replies: 15
Views: 1196

Re: will or living revocable trust

Living trusts aren't just something a lawyer sets up one time and you never think about it again. For them to work, all assets going into the trust, need to be retitled/renamed to the trust name. I think I've heard something like well over 50% of all trusts created never get anything put into them. ...
by lthenderson
Mon Nov 04, 2019 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Should Chinese wife keep her China Citizenship?
Replies: 15
Views: 1727

Re: Should Chinese wife keep her China Citizenship?

My wife had dual citizenship between the U.S. and another Asian country (not China) for a number of years but eventually dropped her Asian citizenship just because of the hassle of renewing it and since myself and our two kids had to always travel under U.S. passports, it was just convenient for her...
by lthenderson
Mon Nov 04, 2019 11:55 am
Forum: Personal Consumer Issues
Topic: Should I use a lawyer
Replies: 20
Views: 2970

Re: Should I use a lawyer

You may want to give it a couple months before signing anything that will waive your rights to a suit. +1 As I mentioned above, I was hit by someone running a red light and suffered whiplash injuries. The at fault driver's insurance quickly sent me a check for "pain and suffering" with legalese att...
by lthenderson
Mon Nov 04, 2019 9:32 am
Forum: Personal Consumer Issues
Topic: Should I use a lawyer
Replies: 20
Views: 2970

Re: Should I use a lawyer

Two years ago I was hit by a person running a red light and I even suffered an injury, whiplash. It took the better part of six or seven months to completely settle everything but the entire thing was done by the insurance companies. I never felt the need to involve a lawyer.
by lthenderson
Mon Nov 04, 2019 9:27 am
Forum: Personal Consumer Issues
Topic: Portable Lantern
Replies: 16
Views: 1031

Re: Portable Lantern

I have an LED headlamp for those situations. It leaves you hands free and always shines the light in the direction you are looking. The new LED ones pump out a lot of light.
by lthenderson
Mon Nov 04, 2019 9:25 am
Forum: Personal Consumer Issues
Topic: [Upgrading from an AT&T iPhone 6]
Replies: 15
Views: 753

Re: [Upgrading from an AT&T iPhone 6]

I'm still hanging onto my iPhone 6 until it is no longer functional. I too have had the battery replaced and the life is nowhere near as long as it would be with a new phone. But I've found it cheaper to just buy a few more charging cables to I can easily charge it where ever I spend quite a bit of ...
by lthenderson
Fri Nov 01, 2019 8:15 am
Forum: Personal Consumer Issues
Topic: APC power backup for extended outages
Replies: 29
Views: 1337

Re: APC power backup for extended outages

snackdog wrote:
Thu Oct 31, 2019 1:35 pm
Any other ideas?
This only costs a few hundred dollars and will run your router as long as you keep pedaling. Bicycle not included.

https://www.ebay.com/i/163659998638
by lthenderson
Thu Oct 31, 2019 11:33 am
Forum: Personal Consumer Issues
Topic: Website that shows salary/benefit/401k information for companies?
Replies: 22
Views: 1982

Re: Website that shows salary/benefit/401k information for companies?

When I was early on in my career when I was more of a number filling a hole, benefits weren't often mentioned until late in the interview process. Later on in my career when I was wanted for what I could provide the company, the usually actively tried to recruit me by touting their benefits. Always ...
by lthenderson
Tue Oct 29, 2019 3:21 pm
Forum: Personal Consumer Issues
Topic: Help me find Drain Basket for Antique Sink
Replies: 4
Views: 348

Re: Help me find Drain Basket for Antique Sink

It is still 3.5" but it does not have a flat surface for the basket flange to rest on (where you put plumbers putty to make water tight) when you tighten the nut on the bottom. It more starts at about 4.5" diameter and "funnels" to 3.5" over the depth of roughly 1". This does not provide a flat sur...
by lthenderson
Tue Oct 29, 2019 3:09 pm
Forum: Personal Consumer Issues
Topic: Is it normal for a contractor to require 50% payment up front?
Replies: 52
Views: 3715

Re: Is it normal for a contractor to require 50% payment up front?

For roofing and small jobs, 50% up front is standard in our area. On bigger projects like the addition and complete kitchen overhaul that I am in the middle right now, we paid about 30% up front, a 40% installment and I am currently waiting for the details to be finished before I pay the last 30%. I...
by lthenderson
Tue Oct 29, 2019 9:04 am
Forum: Personal Consumer Issues
Topic: Wireless exterior video camera
Replies: 20
Views: 1826

Re: Wireless exterior video camera

OP here--thanks for everyone's posts, comments, advice. I'm going to try the Blink unit and see what happens. It will be placed under our covered porch and we get pretty good wifi coverage when we are use other devices out there. best, The one drawback for Blink wireless units are they are easy to ...
by lthenderson
Mon Oct 28, 2019 9:02 am
Forum: Personal Consumer Issues
Topic: Is drive up storage worth the cost?
Replies: 16
Views: 1458

Re: Is drive up storage worth the cost?

Having been to a number of storage auctions, I would guess the number one reason many people default on their payments is because their possessions were destroyed by humidity and rodents. Since it appears this storage locker is climate controlled, I would go with the option where there is no sign of...
by lthenderson
Mon Oct 28, 2019 8:51 am
Forum: Personal Consumer Issues
Topic: Furnace air filters
Replies: 37
Views: 2904

Re: Furnace air filters

I use a washable permanent filter. It isn't a cost issue for me but rather a time issue. It takes quite a bit of time going across town, walking halfway through the big box store to find it, stand in line to pay for it and then haul it back to the house. If I buy in bulk to reduce that time, then I ...
by lthenderson
Fri Oct 25, 2019 8:49 am
Forum: Personal Finance (Not Investing)
Topic: First Republic Bank doesn’t have physical coins
Replies: 76
Views: 4901

Re: First Republic Bank doesn’t have physical coins

In my area, many of the banks won't deposit coins anymore unless they are wrapped first. We often do a fundraiser where we get a lot of coins and we are having to go further away to find a bank that will accept them. The only alternative is for publicly available coin sorting machines that take a pe...
by lthenderson
Fri Oct 25, 2019 8:44 am
Forum: Personal Consumer Issues
Topic: Spray on mold remover, for vinyl house siding?
Replies: 22
Views: 1592

Re: Spray on mold remover, for vinyl house siding?

One (exterior) side of our house has some areas that are high up, with mold. The height makes it difficult to access. But I can reach the top with a hose. Vinyl siding has weep holes on the bottom edge so any water sprayed upwards can go in through the weep holes and damage your sheathing, cause mo...
by lthenderson
Fri Oct 25, 2019 8:38 am
Forum: Personal Consumer Issues
Topic: Anybody use a battery-powered snowblower?
Replies: 33
Views: 1778

Re: Anybody use a battery-powered snowblower?

sixtyforty wrote:
Fri Oct 25, 2019 8:26 am
Love the inconvenience of the EGO though
You are really selling the EGO!
by lthenderson
Fri Oct 25, 2019 8:35 am
Forum: Personal Consumer Issues
Topic: Security camera questions
Replies: 10
Views: 1212

Re: Security camera questions

I use POE cameras hooked up to an NVR on site. They have motion detection abilities that send notifications to my cellphone and then I can remotely view the feed through my cellphone app in real time or look through past feeds. I have my NVR hidden so they would have to search a bit to find it. But ...
by lthenderson
Fri Oct 25, 2019 8:29 am
Forum: Personal Consumer Issues
Topic: Where do you buy eyeglass frames online?
Replies: 16
Views: 1322

Re: Where do you buy eyeglass frames online?

I use eyebuydirect because there quality is better. They used to be really cheap but I just purchased glasses two days ago and the prices are definitely starting to creep up there. Still cheaper than the glasses shop downtown.
by lthenderson
Fri Oct 25, 2019 8:26 am
Forum: Personal Consumer Issues
Topic: Is Google Drive enough for me?
Replies: 64
Views: 3754

Re: Is Google Drive enough for me?

4) Tax statements - Only concern here is my SS#. To be honest, I believe I have entered my social security number on enough forms in my life that I really wonder if this any less secure than my number on those forms. Not sure what could possibly be done with the other info in tax statements. 5) Spr...
by lthenderson
Fri Oct 25, 2019 8:12 am
Forum: Personal Consumer Issues
Topic: How to learn to communicate better as a leader?
Replies: 13
Views: 1298

Re: How to learn to communicate better as a leader?

- How do you communicate effectively with a diverse team? - What is the right frequency, mode of communication? - what are some watch-outs? We are a medium-sized biotech firm. Can you recommend any books? Thanks! Although not everyone's cup of tea, taking a Dale Carnegie course on effective speakin...
by lthenderson
Fri Oct 25, 2019 8:09 am
Forum: Personal Consumer Issues
Topic: Anybody use a battery-powered snowblower?
Replies: 33
Views: 1778

Re: Anybody use a battery-powered snowblower?

I just don't want to deal with a gas-powered snowblower... I have a 40 feet driveway in southern Iowa and I can't imagine trying to use a battery operated snowblower on all the wet slushy crusty snow we get. All I do for my gas powered blower is buy fresh non-ethanol gas for it in the fall and chan...
by lthenderson
Fri Oct 25, 2019 8:01 am
Forum: Personal Consumer Issues
Topic: How to Know if an Old House is Reasonably Beyond Repair
Replies: 30
Views: 2417

Re: How to Know if an Old House is Reasonably Beyond Repair

The call on whether to save it or not probably comes down to personal preference. By the tone of your message it didn't sound like the house has any features worthy of being on "This Old House". If there's nothing particularly special about it and you wouldn't particularly like living in it after b...
by lthenderson
Thu Oct 24, 2019 8:31 am
Forum: Personal Consumer Issues
Topic: How to Know if an Old House is Reasonably Beyond Repair
Replies: 30
Views: 2417

Re: How to Know if an Old House is Reasonably Beyond Repair

Just price out solid doors often found in old houses and you will be amazed at what it would cost to do that in a new house. All this would cost you many tens of thousands of dollars to replace if you were to build new. Very true...a solid wood exterior door with an antique feel can easily cost $50...
by lthenderson
Thu Oct 24, 2019 8:27 am
Forum: Personal Consumer Issues
Topic: Question about Verizon Travel Pass with Iphone 6s
Replies: 11
Views: 856

Re: Question about Verizon Travel Pass with Iphone 6s

I just used this feature on my Verison 6s just a couple months ago. It worked well. I think the only concern about roaming was when we were near a border (in our case Canada) but not across it. But since it was extremely easy to sign up for and cancel it using the MyVerizon app, I just hedged my bet...
by lthenderson
Thu Oct 24, 2019 8:20 am
Forum: Personal Consumer Issues
Topic: How to Know if an Old House is Reasonably Beyond Repair
Replies: 30
Views: 2417

Re: How to Know if an Old House is Reasonably Beyond Repair

My spouse took one look and said it should be demolished, but I'm wondering if it's worth salvaging. Any thoughts as to what to look for or would it be best to pay to have an inspector or possibly a general contractor go out and take a look? Any other information I can add? I'll be the contrarian a...
by lthenderson
Thu Oct 24, 2019 8:07 am
Forum: Personal Consumer Issues
Topic: How to get quicker hot water
Replies: 45
Views: 2491

Re: How to get quicker hot water

A device not mentioned that can reduce the amount of cold water wasted is installing thermostatic valves. We have them in our showers and they are great. You still have to wait for the cold water in the pipes to exit but it eliminates any time adjusting the hot and cold knobs to get the perfect show...
by lthenderson
Thu Oct 24, 2019 7:59 am
Forum: Personal Finance (Not Investing)
Topic: Is it dumb to pay for two appraisals with two different companies at the same time?
Replies: 6
Views: 759

Re: Is it dumb to pay for two appraisals with two different companies at the same time?

Whenever I have had an appraisal for loan qualification purposes, the choice of who does it has always been with the bank, not me. That is why I have always felt the process is suspect since my appraisals have almost always come out almost exactly what I offered. I have had three appraisals done and...
by lthenderson
Wed Oct 23, 2019 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Passing Along an A B Trust to the Third Generation
Replies: 4
Views: 609

Re: Passing Along an A B Trust to the Third Generation

Thanks so much for your advice. I'm going to chew on it awhile but I think at first glance, it makes sense to me.
by lthenderson
Wed Oct 23, 2019 4:28 pm
Forum: Personal Consumer Issues
Topic: Possible Structural Issues in a House
Replies: 21
Views: 1643

Re: Possible Structural Issues in a House

At what point do you hire a company to take a look at it for structural issues? No. The only reason you would need to hire a company to look for structural issues is if the problem started manifesting in other ways such as doors and windows not being able to close or open properly. As others have s...
by lthenderson
Wed Oct 23, 2019 8:54 am
Forum: Personal Consumer Issues
Topic: Softening soil adjacent to house foundation
Replies: 3
Views: 411

Re: Softening soil adjacent to house foundation

Hard to say from just a description but the first thing that came to my mind when reading this is perhaps you have a mole digging around your foundation for insects? We have them on occasion here in the midwest and they essentially till up the soil so it is loose but you can usually tell because the...
by lthenderson
Wed Oct 23, 2019 8:48 am
Forum: Personal Consumer Issues
Topic: Car choice help
Replies: 24
Views: 1386

Re: Car choice help

I don't have any advice on which of the crossover SUV's to purchase but as the owner of a different brand of SUV and a minivan, know that the ride will be much different in the SUV than the minivan. We prefer our minivan on long roads trips just because it rides more like a car where as the SUV defi...
by lthenderson
Wed Oct 23, 2019 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Passing Along an A B Trust to the Third Generation
Replies: 4
Views: 609

Re: Passing Along an A B Trust to the Third Generation

It sounds like the default is to the children outright at the surviving spouse's death, but the surviving spouse has a power of appointment which he could exercise so as to appoint the assets to the children in trust rather than outright. That would keep the assets out of the children's estates for...