Search found 5110 matches

by lthenderson
Fri Sep 18, 2020 2:22 pm
Forum: Personal Consumer Issues
Topic: OLD papers
Replies: 21
Views: 1075

Re: OLD papers

cleaning out files. How to dispose of old papers--8 years and more--when shredding/burning is not do-able. They have lots of id on them of course, :confused Name and address are public information so don't worry about those. Many forms only contain last few digits of account numbers so don't worry ...
by lthenderson
Fri Sep 18, 2020 2:14 pm
Forum: Personal Consumer Issues
Topic: large cracks in the driveway. Solution?
Replies: 7
Views: 648

Re: large cracks in the driveway. Solution?

Yes. It does have a slope. It Very steep but it does have a slope. These were built during 2005-2006 when quality was set aside in building the homes let alone the driveway. May be the ground wasn’t prepared adequately. One thing that many people forget about is surface area and temperatures play a...
by lthenderson
Fri Sep 18, 2020 9:25 am
Forum: Personal Consumer Issues
Topic: Best family cell phone plan(s) - Specific scenario
Replies: 7
Views: 571

Re: Best family cell phone plan(s) - Specific scenario

I have Verizon with four phones in our plan. The cost of the plan only increases I think $20/smartphone after the first smartphone, all other charges remain the same no matter the number of phones so keeping them all together would probably be the cheapest option.
by lthenderson
Fri Sep 18, 2020 9:06 am
Forum: Personal Consumer Issues
Topic: Worth it to Repair Cosmetic and (Minor) Recall Repair Before Car Trade In?
Replies: 8
Views: 400

Re: Worth it to Repair Cosmetic and (Minor) Recall Repair Before Car Trade In?

Unless everything else was cosmetically perfect, I probably wouldn't worry about the dent before trading it in to a dealer. But if you want to find out for sure, I would get a free estimate for the repair (which if just the bumper could be done over the phone) and then call the dealership trade-in d...
by lthenderson
Fri Sep 18, 2020 9:00 am
Forum: Personal Consumer Issues
Topic: Cost of Goods in House?
Replies: 16
Views: 1400

Re: Cost of Goods in House?

Although my recommendation would be to buy new, it does come with things that might make it an unpleasant experience. Having just bought furniture to redo our living room back in June, I still don't have some of it because things are extremely backordered due to the whole Covid-19 pandemic. The last...
by lthenderson
Wed Sep 16, 2020 8:17 pm
Forum: Personal Consumer Issues
Topic: Vastly different quotes for wallpaper removal and painting job
Replies: 31
Views: 1361

Re: Vastly different quotes for wallpaper removal and painting job

I have been comparing the two quotes and I can't find why the one is so much higher. One doesn't need the job or maybe want the job but if you are willing to pay them their high quote they will consider it. The other one might be desperate to keep guys busy especially during the winter months so is...
by lthenderson
Wed Sep 16, 2020 9:38 am
Forum: Personal Finance (Not Investing)
Topic: Discretionary spending strategy
Replies: 21
Views: 1626

Re: Discretionary spending strategy

After making sure everything is funded and the bills are paid, whatever is leftover in the checking account is our fun money. No need to budget it.
by lthenderson
Wed Sep 16, 2020 9:35 am
Forum: Personal Consumer Issues
Topic: when you say 'rent forever'
Replies: 21
Views: 3080

Re: when you say 'rent forever'

I don't think I have ever signed a rental contract that didn't specify the amount of notice required to avoid penalties. I've had contracts that specified six months all the way down to 30 days notice.
by lthenderson
Wed Sep 16, 2020 8:55 am
Forum: Personal Consumer Issues
Topic: Invoice pricing on commercial truck?
Replies: 10
Views: 743

Re: Invoice pricing on commercial truck?

Best bet is from the dealer. Why should the dealer tell you that and why do you think they are obliged to? Because the invoice amount is pretty much useless in determining how much the dealer will make off a vehicle sales. They get paid from the dealer holdbacks, dealer cash incentives, sales bonus...
by lthenderson
Wed Sep 16, 2020 8:40 am
Forum: Personal Consumer Issues
Topic: Quicken Disaster!
Replies: 86
Views: 4217

Re: Quicken Disaster!

I would install a fresh copy of quicken and check to see if a backup works. Then slowly install all the updates up to the last one that possibly caused all this.
by lthenderson
Wed Sep 16, 2020 8:37 am
Forum: Personal Consumer Issues
Topic: Furnace / Air Maintenance and Covid-19?
Replies: 15
Views: 907

Re: Furnace / Air Maintenance and Covid-19?

Never have paid to have a furnace maintained. I just clean/replace the filter, sweep the electronics bay gently if needed, fire it up once to verify it will do so when the time comes and call it good. A forced air furnace is simply a gas burner, a blower fan and some circuit boards. I'm not sure wha...
by lthenderson
Tue Sep 15, 2020 8:48 am
Forum: Personal Consumer Issues
Topic: Best platform for selling used car?
Replies: 20
Views: 1821

Re: Best platform for selling used car?

Hubris wrote: Mon Sep 14, 2020 7:14 pm Hi all, following up on this...how do you deal with test drives? Ride along with Buyer? Something else?
These days I just take a photo of their ID with my smartphone, hand them the keys and tell them to bring it back in one piece. They always have.
by lthenderson
Mon Sep 14, 2020 2:10 pm
Forum: Personal Consumer Issues
Topic: Coin and stamp values online?
Replies: 17
Views: 1009

Re: Coin and stamp values online?

I just got done dumping the last of a stamp collection that had probably 15 cubic feet of stamps into the trash can. I started off by taking a representative sample to various places, followed by trying to giving it away to various stamp clubs, followed by letting it sit in plastic tubs in my garage...
by lthenderson
Fri Sep 11, 2020 8:58 am
Forum: Personal Consumer Issues
Topic: Butcher Box
Replies: 26
Views: 4433

Re: Butcher Box

One of the farms has much better tasting pork than the others even though they are all "heritage breeds", The good farm is essentially a hobby farm and they let the pigs on a huge pasture to do whatever they want. The other farms have pastured pigs but not quite as much area to roam and they raise ...
by lthenderson
Thu Sep 10, 2020 9:06 am
Forum: Personal Consumer Issues
Topic: Wood burning inserts
Replies: 21
Views: 1457

Re: Wood burning inserts

My wood burning insert is a Heatilator because I happen to live near the factory and could get a great deal. Since you are considering it as a main source of heat, make sure it has a blower on it and I have mine so I can plug it into a generator if the power goes out to continue to distribute the he...
by lthenderson
Thu Sep 10, 2020 8:59 am
Forum: Personal Consumer Issues
Topic: Did I pick this butternut squash too early?
Replies: 13
Views: 1592

Re: Did I pick this butternut squash too early?

As others have said, the striping will disappear and it will be a dull uniform color when ripe. That said, we been eating some of our butternut squash for several weeks now, all with the striping more visible than yours and turning it into lasagna and filling for ravioli. Both were delicious. Howeve...
by lthenderson
Wed Sep 09, 2020 8:44 am
Forum: Personal Consumer Issues
Topic: Very slow shower drain, plumber couldn't fix, ideas? - Update
Replies: 77
Views: 6146

Re: Very slow shower drain, plumber couldn't fix, ideas?

Unless there are other affected drains in other parts of the house, it isn't roots clogging pipes as others have suggested. It is either a localized plug which I'm assuming can be ruled out by the plumber or most likely the vent line. They protrude up through the roof of your house and I have found ...
by lthenderson
Wed Sep 09, 2020 8:36 am
Forum: Personal Consumer Issues
Topic: Repair plasma television or get new TV?
Replies: 71
Views: 4219

Re: Repair plasma television or get new TV?

20 years ago, there used to be a good half dozen places here that repaired televisions. These days there are exactly zero. The only way to get a television repaired is to send the entire thing off to someplace that will just swap components and it certainly isn't worth the cost to do that. I would b...
by lthenderson
Tue Sep 08, 2020 9:31 am
Forum: Personal Consumer Issues
Topic: New Computer Setup for Photoshop
Replies: 47
Views: 2500

Re: New Computer Setup for Photoshop

I run Lightroom on my four year old Dell PC and it runs just fine. The specs for it I copied from the website I ordered it on and pasted below.

Dell XPS x8900-8756BLK Desktop (6th Generation Intel Core i7, 32 GB RAM, 2 TB HDD + 256 GB SSD) NVIDIA GTX 960
by lthenderson
Fri Sep 04, 2020 8:59 am
Forum: Personal Consumer Issues
Topic: Public Information Opt out
Replies: 4
Views: 578

Re: Public Information Opt out

I find it much easier to look up someone's address by accessing their local county auditor's website and doing a search, assuming they own a house of course. I don't think you can opt out of that website short of never buying a home.
by lthenderson
Thu Sep 03, 2020 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Question about shopping for home insurance
Replies: 26
Views: 1055

Re: Question about shopping for home insurance

In my experience, the most accurate quote is going to be the one generated by an agent after they do a thorough evaluation of your particular situation. I treat phone quotes and especially computer quotes as a rough estimate only.
by lthenderson
Wed Sep 02, 2020 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford to intentionally go backward in compensation?
Replies: 67
Views: 4976

Re: Can I afford to intentionally go backward in compensation?

I did a similar thing for the same reasons and made a similar percentage reduction in my salary though in my case, our household income was a fraction of what your household income would be even after you make the move to the non-profit. I have absolutely no regrets and it was one of the best decisi...
by lthenderson
Wed Sep 02, 2020 9:14 am
Forum: Personal Consumer Issues
Topic: Cooktops
Replies: 12
Views: 928

Re: Cooktops

Shopping for a gas cooktop. what is the preference? Looking at Kitchenaid or Boasch 5 burner cooktop. We did a remodel last year and got a GE Monogram professional series gas cooktop and have been very pleased with it. One recommendation I have is that whatever brand you get, find one where the kno...
by lthenderson
Wed Sep 02, 2020 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Offered a 2nd job (contract) Any pitfalls?
Replies: 33
Views: 1680

Re: Offered a 2nd job (contract) Any pitfalls?

I would not want someone on my payroll whom I was paying to be online and focused on things that benefit my company from 9 to 5 and found out they were only there in the morning and focused on someone else all afternoon. I'm guessing there is a chance that other companies/HR people might feel the sa...
by lthenderson
Wed Sep 02, 2020 8:55 am
Forum: Personal Consumer Issues
Topic: Are Leather Lounges Worthwhile?
Replies: 27
Views: 2746

Re: Are Leather Lounges Worthwhile?

We splurged on leather furniture shortly after getting married. 17 years and two children later, they have held up great. Once a year during spring cleaning we clean with with a mild soap and water, let dry and then apply leather conditioner. As the kids are older and less messy now, I fully expect ...
by lthenderson
Wed Sep 02, 2020 8:43 am
Forum: Personal Consumer Issues
Topic: How did you make your home office well-lit? Any suggestions?
Replies: 20
Views: 1322

Re: How did you make your home office well-lit? Any suggestions?

I have 9 four inch recessed LED can lights in my office ceiling down in the basement plus white ceiling tiles and a light wall paint. I also have LED under cabinet lighting under the overhead cabinets above my desk. No shortage of brightness. Do you have a link for the undercabinet lights? Looking ...
by lthenderson
Tue Sep 01, 2020 6:12 pm
Forum: Personal Consumer Issues
Topic: Simple (non-slip) case for iphone 11 pro max
Replies: 10
Views: 390

Re: Simple (non-slip) case for iphone 11 pro max

I always go for the leather case that apple makes for each of their phones. They are more expensive than just about any case but well worth it in my opinion. They don't slip or crack and because apple makes them, I never have issues with how they fit.
by lthenderson
Tue Sep 01, 2020 6:08 pm
Forum: Personal Consumer Issues
Topic: How did you make your home office well-lit? Any suggestions?
Replies: 20
Views: 1322

Re: How did you make your home office well-lit? Any suggestions?

I have 9 four inch recessed LED can lights in my office ceiling down in the basement plus white ceiling tiles and a light wall paint. I also have LED under cabinet lighting under the overhead cabinets above my desk. No shortage of brightness.
by lthenderson
Tue Sep 01, 2020 1:15 pm
Forum: Personal Consumer Issues
Topic: Walmart+ service ($98/year = free delivery w/ $35+ order). Thoughts?
Replies: 121
Views: 7960

Re: Walmart+ service ($98/year = free delivery w/ $35+ order). Thoughts?

I would think only being $20 more, Amazon would still be the better deal since you also get unlimited reading, movie, tv and music streaming as well as unlimited photo storage included as part of the deal. I haven't heard Walmart has any of those things.
by lthenderson
Tue Sep 01, 2020 1:06 pm
Forum: Personal Consumer Issues
Topic: Bee keeping
Replies: 64
Views: 3376

Re: Bee keeping

Panky wrote: Tue Sep 01, 2020 11:34 am no bees in outer 2 frames of the super, though I was able to see some bees in the inner frames (not visible in shot)
I don't know about the dynamics of a flow super but for regular ones, bees typically start filling in the center of the super and work their way outwards.
by lthenderson
Tue Sep 01, 2020 9:26 am
Forum: Personal Finance (Not Investing)
Topic: Stay or Go ESOP Decision
Replies: 1
Views: 163

Re: Stay or Go ESOP Decision

No real advice on your dilemma since it really is a crapshoot. I left my ESOP when they were growing like mad and were making five payouts over five years. I was excited because my balance grew the first two years despite my payouts. But then the company has a surplus of cash and changed the rules s...
by lthenderson
Tue Sep 01, 2020 9:12 am
Forum: Personal Consumer Issues
Topic: Dishwasher overflow/suds on floor
Replies: 22
Views: 1325

Re: Dishwasher overflow/suds on floor

recently went from tablets to liquid. Cascade and possible the quantity was in excess of the load. I think you have identified your problem. It is much easier to oversuds with a liquid detergent than a powder, at least in the laundry world which I use to work in. You could put in a cup of powder fo...
by lthenderson
Tue Sep 01, 2020 9:04 am
Forum: Personal Consumer Issues
Topic: Bee keeping
Replies: 64
Views: 3376

Re: Bee keeping

For those who want to try to beekeep and produce honey without heavy lifting, I am reminded of the Flow Hive system. I have never used it and have my doubts on how effective it is, but if it works, it would be a game changer. I don't know anybody in my former beekeeping community that has tried it ...
by lthenderson
Mon Aug 31, 2020 2:49 pm
Forum: Personal Consumer Issues
Topic: Oddly Difficult to Find Items During the Pandemic
Replies: 278
Views: 23978

Re: Oddly Difficult to Find Items During the Pandemic

Regular sized canning lids. Maybe the supply will increase as peach canning season wanes, before pear season starts. I discovered this as well a couple weeks ago but found that you can order them directly through BallMason if desired. I ordered enough to finish out this year and take care of next y...
by lthenderson
Mon Aug 31, 2020 1:24 pm
Forum: Personal Consumer Issues
Topic: Oddly Difficult to Find Items During the Pandemic
Replies: 278
Views: 23978

Re: Oddly Difficult to Find Items During the Pandemic

Regular sized canning lids. Maybe the supply will increase as peach canning season wanes, before pear season starts. I discovered this as well a couple weeks ago but found that you can order them directly through BallMason if desired. I ordered enough to finish out this year and take care of next y...
by lthenderson
Mon Aug 31, 2020 1:18 pm
Forum: Personal Consumer Issues
Topic: Good quality Garage Door Keypads
Replies: 17
Views: 1452

Re: Good quality Garage Door Keypads

I have an old version of the liftmaster keypad that is still going strong. Years ago I used to type in the code the first time and it wouldn't work. I assumed I wasn't pressing the keys hard enough and press them harder the second go around. Eventually I figured out that if I hit enter first, and th...
by lthenderson
Mon Aug 31, 2020 9:26 am
Forum: Personal Finance (Not Investing)
Topic: Am I crazy? Cabin advice
Replies: 61
Views: 6310

Re: Am I crazy? Cabin advice

We bought five acres with a cabin for $15k in the late 80's. Although it is worth much more than that now, I still have a hard time believing that anything costing $600k can still be referred to as a cabin.
by lthenderson
Mon Aug 31, 2020 9:10 am
Forum: Personal Consumer Issues
Topic: Bee keeping
Replies: 64
Views: 3376

Re: Bee keeping

For those who want to try to beekeep and produce honey without heavy lifting, I am reminded of the Flow Hive system. I have never used it and have my doubts on how effective it is, but if it works, it would be a game changer. I don't know anybody in my former beekeeping community that has tried it b...
by lthenderson
Mon Aug 31, 2020 8:58 am
Forum: Personal Consumer Issues
Topic: Traveling to Maine from Virginia
Replies: 9
Views: 852

Re: Traveling to Maine from Virginia

Probably not what you want to hear but my suggestions would be to say closer to home this year and plan your trip to Acadia next year. I had heard back a month or so ago that they were going to require the test to check into a hotel in Maine so driving there and waiting for a test result might mean ...
by lthenderson
Fri Aug 28, 2020 12:03 pm
Forum: Personal Consumer Issues
Topic: Bee keeping
Replies: 64
Views: 3376

Re: Bee keeping

Doubt there’s any money in it for a hobbyist, and would guess the opposite by a significant margin. +1 There definitely isn't money in it for a hobbyist. I had 180 hives and made only a small amount of money each year after I had established my local market. For many years until I was established i...
by lthenderson
Fri Aug 28, 2020 11:55 am
Forum: Personal Consumer Issues
Topic: Garage shelves?
Replies: 29
Views: 2444

Re: Garage shelves?

In my garage, wall space is at a premium. I have all the walls full of woodworking, gardening and recreational gear already. The one area that was free is the ceiling and there are a plethora of options for putting gear above your vehicle on racks attached to the ceiling. They even make ones that yo...
by lthenderson
Fri Aug 28, 2020 11:50 am
Forum: Personal Consumer Issues
Topic: Chimney downdraft issues
Replies: 20
Views: 968

Re: Chimney downdraft issues

I have had a fireplace all my life and there really isn't anyway to get rid of drafts completely if you plan to be using your fireplace regularly but there are steps that you can take to reduce them. Replacing the internal damper is certainly the first step. Putting an external damper will be even b...
by lthenderson
Thu Aug 27, 2020 5:06 pm
Forum: Personal Consumer Issues
Topic: Bee keeping
Replies: 64
Views: 3376

Re: Bee keeping

In general, does local bee keepers only have hives in their own backyard or do they setup hives in other people's backyards too? I would love to share our backyard to anyone that wants to setup beehives to attract the local bees with the flowers that we and neighbors have. Nothing expected, just ma...
by lthenderson
Thu Aug 27, 2020 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: CitiCard Double Cash Mastercard (Thankyou Points Conversion ?)
Replies: 16
Views: 1763

Re: CitiCard Double Cash Mastercard (Thankyou Points Conversion ?)

I have both the DoubleCash and Thankyou Points version. The DoubleCash is our primary card and the Thankyou was formerly our primary and now our backup. According to their website, you get 100 Thankyou Points for every dollar you trade from cash rewards which sounds about right since it takes 100 po...
by lthenderson
Thu Aug 27, 2020 3:58 pm
Forum: Personal Consumer Issues
Topic: Moving abroad with young children, no international connections: Crazy?
Replies: 64
Views: 5114

Re: Moving abroad with young children, no international connections: Crazy?

I've known several families who have moved abroad as part of their work for several years with their families. All of them were in the stage of life with young kids who were just starting out in school and all did fine. Now that they are back in the U.S., I am always amazed at their kids who now spe...
by lthenderson
Thu Aug 27, 2020 3:47 pm
Forum: Personal Consumer Issues
Topic: Bee keeping
Replies: 64
Views: 3376

Re: Bee keeping

Although if there is more than that, I wouldn't mind selling it. I wonder if the larger, professional apiaries would buy the excess. As with most food sales, even honey production is regulated so check your state regulations. In my state, we didn't have to have a license to sell honey out the back ...
by lthenderson
Thu Aug 27, 2020 3:33 pm
Forum: Personal Consumer Issues
Topic: Confirming my new AMEX card nonsense.
Replies: 15
Views: 1843

Re: Confirming my new AMEX card nonsense.

Second question. Is there a minimum number of transactions I should do to keep it valid? Had it since '94 and don't think I've used it more than a dozen times. I keep an American Express card in my desk drawer for emergencies. They send me a replacement one every few years. To my knowledge I have n...
by lthenderson
Thu Aug 27, 2020 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Choosing an online bank - How to factor in customer service?
Replies: 17
Views: 716

Re: Choosing an online bank - How to factor in customer service?

In choosing an online bank for a savings account, I am considering the following attributes: does not require username / password for another financial institution in order to transfer funds no dollar limit on transfers But I am having trouble finding an online bank that received mostly good review...
by lthenderson
Thu Aug 27, 2020 12:42 pm
Forum: Personal Consumer Issues
Topic: library ebooks not available for kindle?
Replies: 20
Views: 1320

Re: library ebooks not available for kindle?

When the library lists "epub", I get a file I can convert. When it lists "ebook" the library does not provide a file to convert, at least one I can find. When it lists "kindle" I can read it most anywhere. So no file, nothing to convert, nothing to read on kindle. I'm coming around to the belief my...
by lthenderson
Thu Aug 27, 2020 12:35 pm
Forum: Personal Consumer Issues
Topic: Bee keeping
Replies: 64
Views: 3376

Re: Bee keeping

How do you like your honey? If you like it extracted, doing so for such a small quantity can be pretty expensive compared to just buying it from someone with a larger beekeeper. You need several specialized tools to do so. If you like chunk or comb honey, that can be done easier on a smaller scale....