Search found 3486 matches

by lthenderson
Sat Oct 20, 2018 2:09 pm
Forum: Personal Consumer Issues
Topic: Pull kids from school for vacations?
Replies: 96
Views: 3256

Re: Pull kids from school for vacations?

Did you pull your kids from school to go on amazing family vacations or was school too important and you planned all trips around the school schedule? We have tried to minimize pulling them from school over the years but sometimes it is just unavoidable, especially when your in-laws live overseas a...
by lthenderson
Fri Oct 19, 2018 8:29 am
Forum: Personal Finance (Not Investing)
Topic: Kids & Money
Replies: 5
Views: 850

Re: Kids & Money

When did you start teaching your kids about money and what lessons did you think were most beneficial? I really didn't start teaching them about money until they showed interest in learning. Even then, I don't teach them everything all at once but gradually as situations arise. For example, my 12 y...
by lthenderson
Fri Oct 19, 2018 8:24 am
Forum: Personal Finance (Not Investing)
Topic: Depositing Cash if it was gifted?
Replies: 106
Views: 5255

Re: Depositing Cash if it was gifted?

Last week I had to open a brand new business checking account for an organization I am part of and was shocked to learn that the bank limited cash deposits to $3000 per month now. You can deposit more if you write a check, but for cash, I could only deposit $3000 per month. I was told it was due to ...
by lthenderson
Fri Oct 19, 2018 8:11 am
Forum: Personal Consumer Issues
Topic: Most economical high-quality car wash
Replies: 13
Views: 1373

Re: Most economical high-quality car wash

Can't help on the OP for the inside but on the outside of the car, one can buy a decent pressure washer for less than $200. It will then clean your cars for the rest of its working life and all you have to do is walk around the car pointing the spray wand.
by lthenderson
Fri Oct 19, 2018 8:03 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3344
Views: 1004640

Re: What Book Are You Currently Reading? Part VI

nisiprius wrote:
Thu Oct 18, 2018 5:25 pm
Just finished The Perfectionists:How Precision Engineers Created the Modern World by Simon Winchester. Fantastic. So I'm starting another of his, A Crack in the Edge of the World.
You won't be disappointed with that book either. I really enjoyed it. I'm adding The Perfectionists to my list.
by lthenderson
Fri Oct 19, 2018 7:56 am
Forum: Personal Consumer Issues
Topic: Replace roof or wait .... and
Replies: 14
Views: 875

Re: Replace roof or wait .... and

The only thing nearly guaranteed when selling a house is that you won't get all your money back from improvements you made right before selling. As long as the roof isn't leaking, I would discount the selling price by half the cost of the repair as a starting point.
by lthenderson
Thu Oct 18, 2018 8:30 am
Forum: Personal Consumer Issues
Topic: When to change tires; and what brand
Replies: 103
Views: 4639

Re: When to change tires; and what brand

1. When do you guys change tires ? I normally change them in the fall after they all get below 5/32" of tread left. I do it in the fall because during the summer time, really the only danger is hydroplaning and I can slow down to prevent that from happening. However in the winter, they don't have e...
by lthenderson
Wed Oct 17, 2018 2:25 pm
Forum: Personal Consumer Issues
Topic: Would you ever buy a lottery ticket?
Replies: 32
Views: 1268

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: 2161

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: 52
Views: 4160

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: 4814

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: 78
Views: 3914

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: 1669

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: 1891

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: 1891

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: 639

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: 7128

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: 2238

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: 79
Views: 5691

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: 4696

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: 1808

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: 5883

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: 3816

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: 3344
Views: 1004640

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: 805

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: 1105

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: 1630

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: 1273

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: 592

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: 610

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: 1334

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: 3350

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: 31
Views: 3254

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: 3936

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: 1448

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: 3438

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: 3892

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: 2415

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: 1120

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: 2415

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: 786

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: 3892

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: 3262

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: 1234

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: 1342

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: 3612

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...