Search found 3479 matches

by lthenderson
Wed Oct 17, 2018 2:25 pm
Forum: Personal Consumer Issues
Topic: Would you ever buy a lottery ticket?
Replies: 32
Views: 1122

Re: Would you ever buy a lottery ticket?

I just made a donation to my state's general fund this morning by purchasing a couple tickets. I average a couple tickets per year. I like to dream of investing all those millions of dollars in an index fund and just watching it grow.
by lthenderson
Wed Oct 17, 2018 9:22 am
Forum: Personal Consumer Issues
Topic: Why buy thicker hardwood?
Replies: 16
Views: 1993

Re: Why buy thicker hardwood?

To add to what others said, thinner wood will "telegraph" uneven spots much more so than thicker wood. Thus you might end up with a solid wood floor that looks like a cheap engineered floor when you are done.
by lthenderson
Wed Oct 17, 2018 9:15 am
Forum: Personal Consumer Issues
Topic: Cross-country trip via Amtrak
Replies: 30
Views: 2054

Re: Cross-country trip via Amtrak

Have any of y'all ever travelled by train across the U.S? What was the experience like? Did you get a regular seat, or a sleeping compartment? If the latter, how comforable was it? Please share your experiences, I'd love to hear about them. Thanks! I have and it definitely isn't for everyone but I ...
by lthenderson
Mon Oct 15, 2018 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Kids not interested in money / allowance
Replies: 50
Views: 4557

Re: Kids not interested in money / allowance

Hi BHs, I have two sons (11 & 8 years). None of them has any interest in money. Each of them has a weekly allowance of $5. 99% of the time they do not ask for it, and even if my wife/I encourage them to take it they don’t. We provide shelter, food, cloths and - within reason - toys/fun stuff to our...
by lthenderson
Mon Oct 15, 2018 3:26 pm
Forum: Personal Consumer Issues
Topic: How Much Is Your Sewer Bill?
Replies: 75
Views: 3639

Re: How Much Is Your Sewer Bill?

$0 per quarter for the last six years. The house came with the septic system already installed.
by lthenderson
Mon Oct 15, 2018 9:14 am
Forum: Personal Consumer Issues
Topic: 1950s home. Replace drywall and insulation or repair it
Replies: 19
Views: 1655

Re: 1950s home. Replace drywall and insulation or repair it

I’m redoing my dining room and 2/3 walls are exterior walls. The home was built in the 1950s and my contractor thinks we should rip the drywall out and reinsulate when we are doing the project for efficiency purposes. I wanted to get your thoughts? Btw- house is in the northeast, heated by oil/cent...
by lthenderson
Thu Oct 11, 2018 1:35 pm
Forum: Personal Consumer Issues
Topic: Considering new Honda Pilot, other suggestions?
Replies: 35
Views: 1867

Re: Considering new Honda Pilot, other suggestions?

Must haves: Seating for 7. That third row is a must for us, I only have 2 kids but I drive 5 kids to school every day. AWD. We live in the Portland area and we're up on Mt. Hood most weekends in the winter, otherwise I'd consider a minivan. Around 40K, give or take say 5K. My Toyota Sienna has all ...
by lthenderson
Thu Oct 11, 2018 1:08 pm
Forum: Personal Consumer Issues
Topic: Considering new Honda Pilot, other suggestions?
Replies: 35
Views: 1867

Re: Considering new Honda Pilot, other suggestions?

Must haves: Seating for 7. That third row is a must for us, I only have 2 kids but I drive 5 kids to school every day. AWD. We live in the Portland area and we're up on Mt. Hood most weekends in the winter, otherwise I'd consider a minivan. Around 40K, give or take say 5K. My Toyota Sienna has all ...
by lthenderson
Thu Oct 11, 2018 1:04 pm
Forum: Personal Consumer Issues
Topic: Program/App to Display Family Tree (Branching Diagram)
Replies: 11
Views: 636

Re: Program/App to Display Family Tree (Branching Diagram)

Whatever program you use, check to see if it can export it to a GEDCOM file. This is the format that is commonly used among genealogical software for transferring information between software platforms. This way if it doesn't meet your needs, you don't have to retype it again into another software.
by lthenderson
Thu Oct 11, 2018 1:00 pm
Forum: Personal Consumer Issues
Topic: My life saved by New subaru. Almost died.
Replies: 62
Views: 7105

Re: My life saved by New subaru. Almost died.

Almost to the top while driving at speed limit I saw vehicles no more than 10 yards fully stopped. I braked hard to no avail. Approx 1 yard from ahead car my dash started blinking red -imminent collision detected or something- and then came to a screeching halt. Probably 6 inches from impact. I loo...
by lthenderson
Thu Oct 11, 2018 8:49 am
Forum: Personal Finance (Not Investing)
Topic: Mold on inspection, need advice
Replies: 30
Views: 2228

Re: Mold on inspection, need advice

Anyone been in this situation before? Would really appreciate your advice. I have worked on a lot of houses over the last 30 years and they all have one thing in common. They all had mold somewhere. If it isn't in the bathroom behind tiles or under the floors, if it wasn't in the kitchen behind cab...
by lthenderson
Thu Oct 11, 2018 8:39 am
Forum: Personal Consumer Issues
Topic: Anyone done a Hair Transplant?
Replies: 75
Views: 5087

Re: Anyone done a Hair Transplant?

I can spot a transplant almost as far away as a comb over. You wouldn't be fooling anyone. Just shave your head close or completely and leave people guessing.
by lthenderson
Thu Oct 11, 2018 8:36 am
Forum: Personal Consumer Issues
Topic: Keep a backup hot water heater?
Replies: 97
Views: 4666

Re: Keep a backup hot water heater?

In today's world where big box stores that sell water heaters are open seven days a week and you plan on installing it yourself, why worry about storing one? Technologies, efficiencies and installation rules have all changed dramatically over the last 30 years with water heaters. Why store something...
by lthenderson
Thu Oct 11, 2018 8:29 am
Forum: Personal Consumer Issues
Topic: What to do with Bose cube speakers left in rec room
Replies: 17
Views: 1773

Re: What to do with Bose cube speakers left in rec room

Each set has two wires that merge in a sleeve, run into the wall, and emerge with a single RCA style plug at the end. Presumably these are intended to plug into the Accoustimass module, which was not left behind. Alternative is to just use the existing wires to fish cables through and use my speake...
by lthenderson
Thu Oct 11, 2018 8:23 am
Forum: Personal Consumer Issues
Topic: Black Friday is coming.. what's on your list?
Replies: 70
Views: 5845

Re: Black Friday is coming.. what's on your list?

We let the consumers consume and go for a day long hike in the woods as a family. I've done that for the last 40 years and have no regrets.
by lthenderson
Tue Oct 09, 2018 1:02 pm
Forum: Personal Consumer Issues
Topic: Neighbors tree branch growing too close to my house
Replies: 48
Views: 3811

Re: Neighbors tree branch growing too close to my house

By law, you have the right to trim any tree branches overhanging your property line up until the property line. But like others said, I always ask the neighbor first in trying to keep neighbor harmony intact. I've never had one refuse.
by lthenderson
Tue Oct 09, 2018 12:59 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3333
Views: 1003428

Re: What Book Are You Currently Reading? Part VI

The Next Millionaire Next Door: Enduring Strategies for Building Wealth by Thomas Stanley and Sarah Stanley Fallaw https://www.amazon.com/Next-Millionaire-Door-Enduring-Strategies/dp/1493035355 Just finished this book and I must say it was a disappointment for me. It was essentially a rehash of the ...
by lthenderson
Tue Oct 09, 2018 8:25 am
Forum: Personal Consumer Issues
Topic: Office Computers
Replies: 5
Views: 801

Re: Office Computers

Almost every office I have ever worked in used Dell computers.
by lthenderson
Tue Oct 09, 2018 8:17 am
Forum: Personal Consumer Issues
Topic: Outdoor Furniture
Replies: 9
Views: 1103

Re: Outdoor Furniture

About five years ago, I made a work bench out of douglas fir for my unconditioned garage so it is exposed to heat, cold and humidity changes. I did seal it and it has held up well over the years. As someone who build furniture out of wood, I would be concerned with expansion and contraction due to c...
by lthenderson
Tue Oct 09, 2018 8:05 am
Forum: Personal Consumer Issues
Topic: Refinace house but how?
Replies: 26
Views: 1625

Re: Refinace house but how?

but with our kids getting older and the functionality of the house not being adequate we would like to update. What functionality are you looking to add with this remodel? I can't imagine what functionality would be NEEDED for raising three kids. From what you stated above, it sounds like the house...
by lthenderson
Mon Oct 08, 2018 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone used software to write a Will?
Replies: 15
Views: 1270

Re: Has anyone used software to write a Will?

I'd love to find some software to help me through the process, with the intention of having a lawyer review it once it is mostly complete. Has anybody had a good experience with any of the programs out there? Assuming you find a lawyer to review it, what if he suggests changes? Now you've paid the ...
by lthenderson
Mon Oct 08, 2018 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Here is a way to fix the current ACA mess. I need comments.
Replies: 4
Views: 590

Re: Here is a way to fix the current ACA mess. I need comments.

Before this is shut down - in my opinion, this healthcare "mess" in the US has many aspects. However, one big aspect is the unnecessary overuse of medical services, tests, drugs, etc. I believe any "fix" must involve reducing such unnecessary products and services - without harmful consequences to ...
by lthenderson
Mon Oct 08, 2018 11:52 am
Forum: Personal Finance (Not Investing)
Topic: ESOP proceeds invest in Co. Stock or pay off debt
Replies: 11
Views: 607

Re: ESOP proceeds invest in Co. Stock or pay off debt

If it were me, I would transfer it into a self directed IRA or 401(k) plan if they had some good options. No way would I take the tax penalty and pay income tax on it until I am retired. As for the other debts, I would work hard to cut expenses where possible to get them to a manageable level and th...
by lthenderson
Mon Oct 08, 2018 9:19 am
Forum: Personal Consumer Issues
Topic: Smarthome system that is local
Replies: 17
Views: 1331

Re: Smarthome system that is local

I don't run around with a tinfoil hat, but I do regularly turn GPS off on my phone to attempt to limit how much Google knows about me. Is there any voice controlled smart home system that is entirely local? If I used any voice controlled thing I would not want some company's server always listening...
by lthenderson
Mon Oct 08, 2018 9:04 am
Forum: Personal Consumer Issues
Topic: What are your strategies when shopping for a house?
Replies: 38
Views: 3329

Re: What are your strategies when shopping for a house?

I've bought all three of my houses after the first and only visit. I'm not sure why one would need five times to decide. I guess if the market is ice cold, one has enough time for five visits but in my market which I would describe as barely luke warm, the best houses still sell in a matter of days ...
by lthenderson
Mon Oct 08, 2018 8:45 am
Forum: Personal Consumer Issues
Topic: Garage Shelving?
Replies: 28
Views: 2764

Re: Garage Shelving?

Any suggestions for cheap (but safe) garage shelves? Personally I would not build my own shelves every again. I've done that several times and though strong, they waste huge amounts of space. For every shelf and assuming you have 1/2" plywood for the actual shelf, you lose 4" of vertical real estat...
by lthenderson
Thu Oct 04, 2018 12:56 pm
Forum: Personal Consumer Issues
Topic: Septic owner protection service contract or NOT?
Replies: 7
Views: 415

Re: Septic owner protection service contract or NOT?

I had a similar service years ago. The straw that broke the camels back was when I had it pumped just a month or so before they arrived and he told me how urgent it was that I should pump it according to his test. The service fee only included his labor and testing twice a year. All parts were addit...
by lthenderson
Thu Oct 04, 2018 8:14 am
Forum: Personal Consumer Issues
Topic: Black suit with dark brown shoes?
Replies: 59
Views: 3928

Re: Black suit with dark brown shoes?

I don't know about everyone else, but I couldn't tell you what shoes anyone has worn to the last formal events I have attended. I just don't spend time looking down at the floor. I would wear the dark brown shoes.
by lthenderson
Thu Oct 04, 2018 8:10 am
Forum: Personal Consumer Issues
Topic: Accepting a Contingency Offer
Replies: 24
Views: 1444

Re: Accepting a Contingency Offer

We received one of these when we were selling our last house - not entirely uncommon; we wrote up a counter-acceptance that we accepted the contingency offer with the condition that if we received another offer on our house before we closed with them, they had 24 hours to remove the contingency or ...
by lthenderson
Wed Oct 03, 2018 1:20 pm
Forum: Personal Consumer Issues
Topic: Remember traveler's checks? How to cash a forgotten stash
Replies: 29
Views: 3422

Re: Remember traveler's checks? How to cash a forgotten stash

lynneny wrote:
Wed Oct 03, 2018 11:53 am
About $180 in Visa travelers checks.
I guess for $180, I might fire off a few emails or phonecalls looking for an easy solution but I wouldn't lose any sleep if nothing comes of it. Worst case, I would fill them out and give to a charity and let them figure it out.
by lthenderson
Wed Oct 03, 2018 1:14 pm
Forum: Personal Consumer Issues
Topic: Tipping
Replies: 55
Views: 3886

Re: Tipping

Why are people here against tips but then is accepted that charitable giving is ok? Although not against tipping, I think the difference between tipping and charitable giving is the expectation on the recipients part. When I give to charity, there is no expectation whatsoever that they are receivin...
by lthenderson
Wed Oct 03, 2018 1:05 pm
Forum: Personal Consumer Issues
Topic: Water Leak During New Home Construction
Replies: 40
Views: 2412

Re: Water Leak During New Home Construction

You don't have to disclose past leaks that have been fixed. You do have to report unfixed leaks so your future market value loss is not a valid claim. This is 100% false (in my state, and likely the OP's). Disclosure forms typically ask about any PREVIOUS or CURRENT issues. Here is the exact wordin...
by lthenderson
Wed Oct 03, 2018 8:11 am
Forum: Personal Finance (Not Investing)
Topic: Home inspection- helping a friend
Replies: 12
Views: 1112

Re: Home inspection- helping a friend

Sounds like the new homeowner trying to bluff or guilt your friend into paying them money. I would not do or say a thing until I received notification of a lawsuit in progress. Only then would I contact a lawyer. I know of many people who threaten to sue others all the time and have yet to actually ...
by lthenderson
Wed Oct 03, 2018 8:04 am
Forum: Personal Consumer Issues
Topic: Finding a contractor for built-in bbq grill installation
Replies: 5
Views: 348

Re: Finding a contractor for built-in bbq grill installation

Call a plumber. Plumbing gas lines is not much different than plumbing water and sewer lines.
by lthenderson
Wed Oct 03, 2018 7:50 am
Forum: Personal Consumer Issues
Topic: Water Leak During New Home Construction
Replies: 40
Views: 2412

Re: Water Leak During New Home Construction

Future market value of the home - I will now have to disclose that there was a water leak that I know about Potential future mold/rotting problems - Want a bank warranty guarantee that can be called upon in case builder/plumbing company does not exist in future Extra interest paid on construction l...
by lthenderson
Wed Oct 03, 2018 7:40 am
Forum: Personal Consumer Issues
Topic: Sconces, fixtures without replaceable bulbs/LEDs
Replies: 14
Views: 782

Re: Sconces, fixtures without replaceable bulbs/LEDs

In my experience, LED quality is all over the map. I have bought some in the past that are now closing in on about six years old. I redid my office here about three years ago and put in all new LED bulbs and have replaced every single one since. I never kept track of what brand was what unfortunatel...
by lthenderson
Tue Oct 02, 2018 8:26 am
Forum: Personal Consumer Issues
Topic: Tipping
Replies: 55
Views: 3886

Re: Tipping

The only certainty about asking a tipping question on this forum is that you will get every conceivable answer in return.
by lthenderson
Tue Oct 02, 2018 8:02 am
Forum: Personal Consumer Issues
Topic: New Apartment, city noise
Replies: 43
Views: 3257

Re: New Apartment, city noise

Another farm boy who moved to the city for a period of time with train tracks and all kinds of other noise to contend with. After a couple weeks, I did get used to it and eventually it would be brought to my attention when visitors would point out the noise and I hadn't noticed. Eventually I moved b...
by lthenderson
Tue Oct 02, 2018 7:58 am
Forum: Personal Consumer Issues
Topic: New Homeowners - Paint first or fix hard wood floors first?
Replies: 15
Views: 1231

Re: New Homeowners - Paint first or fix hard wood floors first?

As the title says. We just bought a home and are looking to fix up some of the stuff to our liking. Now we going to paint all the rooms and fix the hardwood floors. The question is what do we start off with first? Floors or painting? As someone who does this as a hobby, I always do the floors last....
by lthenderson
Mon Oct 01, 2018 12:36 pm
Forum: Personal Consumer Issues
Topic: Lifetime alignment services
Replies: 14
Views: 962

Re: Lifetime alignment services

My local tire shop offers free alignment with purchase of four new tires and will do free alignments for the life of those new tires should uneven wear show. In all my decades of driving, they only did a second alignment once when I noticed a severe uneven wear pattern after a few months of driving ...
by lthenderson
Mon Oct 01, 2018 12:22 pm
Forum: Personal Consumer Issues
Topic: Airline shortened layover
Replies: 17
Views: 1340

Re: Airline shortened layover

We aren’t experienced travelers, so any advice would be appreciated. Welcome to the modern age of packing flights full which means changing schedules frequently. The last tickets I bought four months in advance had portions of them changed six different times before the scheduled day arrived. We ha...
by lthenderson
Mon Oct 01, 2018 8:34 am
Forum: Personal Consumer Issues
Topic: Used Car on Lot for Year and a Half
Replies: 36
Views: 3606

Re: Used Car on Lot for Year and a Half

There is a 2010 Pontiac Vibe that seems like a good deal, but the dealer has had it for 1.5 years. Should I avoid this? Other than that, it seems like a good deal.. Been struggling to find a decent used car for 6-8k in the Sacramento area. https://www.capcitiauto.com/mobile/VehicleDetail.aspx?Inven...
by lthenderson
Fri Sep 28, 2018 8:14 am
Forum: Personal Consumer Issues
Topic: Installing a wall mounted mailbox
Replies: 3
Views: 307

Re: Installing a wall mounted mailbox

I've never had much luck with using adhesive on weather exposed dissimilar materials. If you have the proper drill and bit, there isn't much risk of damaging the stone or cracking it. Use a hammer drill and a bit made for drilling in stone. The only time you should worry about cracking the stone is ...
by lthenderson
Thu Sep 27, 2018 2:14 pm
Forum: Personal Consumer Issues
Topic: Am I the only one...[using multiple accounts]
Replies: 27
Views: 1363

Re: Am I the only one...

We have only a single checking and saving account which handle everything except for our investments.
by lthenderson
Thu Sep 27, 2018 8:07 am
Forum: Personal Finance (Not Investing)
Topic: How to charge much higher than Credit Card Limit
Replies: 39
Views: 3459

Re: How to charge much higher than Credit Card Limit

I have a federal + state tax payment in excess of $1mm coming up due to sale of a business asset. I would much rather pay it using credit cards (I understand the fee. Miles value still works out much better) but card only has $50k limit. I am contemplating to charge card say for $50K to pay taxes, ...
by lthenderson
Thu Sep 27, 2018 7:57 am
Forum: Personal Consumer Issues
Topic: Good flip flops
Replies: 46
Views: 3452

Re: Good flip flops

Are there any good flip flops (any particular brands?) with good cushioning and for folks with flatter arches? My feet are as flat as pancakes and I have always used Teva's sandals. The latest ones I bought three or four years ago to replace my 20 year old Teva's before that are Teva Toachi's. http...
by lthenderson
Thu Sep 27, 2018 7:51 am
Forum: Personal Consumer Issues
Topic: Suggestions on Phonics & Reading programs for 4 year old? Pre-K to Kindergarten
Replies: 27
Views: 1233

Re: Suggestions on Phonics & Reading programs for 4 year old? Pre-K to Kindergarten

Any good suggestions that you have personally used or experienced? (for a gift to the mom to help a niece or granddaughter etc). TO TEACH A CHILD TO READ. Something that is NOT COMPLICATED. The Reading Lesson: Teach your child to read in 20 easy lessons. https://www.amazon.com/Reading-Lesson-Teach-...
by lthenderson
Wed Sep 26, 2018 2:27 pm
Forum: Personal Consumer Issues
Topic: Car predicament
Replies: 14
Views: 2417

Re: Car predicament

CFM300 wrote:
Wed Sep 26, 2018 12:52 pm
If they no longer want the car, replace/repair the engine and then sell the car and buy something else.
+1

Google shows one can purchase a new engine for about $2k and one could probably get a rebuilt used one for less than half that.
by lthenderson
Wed Sep 26, 2018 2:21 pm
Forum: Personal Consumer Issues
Topic: Switching to FIOS, frozen credit, thaw required?
Replies: 8
Views: 679

Re: Switching to FIOS, frozen credit, thaw required?

I have always filed the request first and then let the company send me a letter saying they couldn't process my request because they couldn't access my credit at XYZ credit bureau. Once I have the name of the credit bureau they use, I thaw it, call the number given on the letter and they do the cred...