Search found 3580 matches

by lthenderson
Sat Jan 19, 2019 2:02 pm
Forum: Personal Consumer Issues
Topic: What is a Boglehead funeral/burial?
Replies: 76
Views: 2736

Re: What is a Boglehead funeral/burial?

My mom died this past November, was cremated with remains put in the free cardboard box and had no services. I think the total cost was around $1800 and that included about $200 worth of obituaries posted in three newspapers. We are in the process of scattering her remains at various places she was ...
by lthenderson
Sat Jan 19, 2019 1:56 pm
Forum: Personal Consumer Issues
Topic: bathroom vent condensation moisture
Replies: 16
Views: 1511

Re: bathroom vent condensation moisture

I don't run the fan at all during the shower. You can still get condensation just from warm moist air naturally rising up through your exhaust fan and condensing on uninsulated ducting and running back into your bathroom. Wageoghe's advice was spot on. Do I get a roofer or what kind of trade person...
by lthenderson
Sat Jan 19, 2019 1:52 pm
Forum: Personal Consumer Issues
Topic: Is My Iphone Now a Brick?
Replies: 27
Views: 2966

Re: Is My Iphone Now a Brick?

Have you gone to the Apple Store yet? I would strongly recommend doing so if there is one around you. It's much easier to show that you are not trying to steal someone else's phone when you are there in person with a death certificate. They are a huge conglomerate now but surely they have sympathy ...
by lthenderson
Sat Jan 19, 2019 1:50 pm
Forum: Personal Consumer Issues
Topic: Is My Iphone Now a Brick?
Replies: 27
Views: 2966

Re: Is My Iphone Now a Brick?

I also don’t know if despite jumping through hoops Apple will unlock the phone. In addition I don’t believe the OP is looking to purchase a new phone as that was my original suggestion. This turned out to be the case. Even with a death certificate, they couldn't do it at the Apple store. They can d...
by lthenderson
Sat Jan 19, 2019 1:47 pm
Forum: Personal Consumer Issues
Topic: Is My Iphone Now a Brick?
Replies: 27
Views: 2966

Re: Is My Iphone Now a Brick?

My dad is leaving to do the Appalachian Trail in a few weeks and I've convinced him to take a smart phone so I can track him if necessary and he can order things via the internet on route. Apple has had an ongoing soap opera with the iPhone battery so it would be good to research if there are issue...
by lthenderson
Sat Jan 19, 2019 1:39 pm
Forum: Personal Consumer Issues
Topic: Is My Iphone Now a Brick?
Replies: 27
Views: 2966

Re: Is My Iphone Now a Brick?

Best bet is to bring a copy of the certificate of death into the Apple Store, and the technician from the Genius Bar will reset the phone so you can wipe it clean and have your father start with a clean swipe of the phone. This is the route I took since I happened to be near one for other reasons a...
by lthenderson
Fri Jan 18, 2019 9:11 am
Forum: Personal Consumer Issues
Topic: Is My Iphone Now a Brick?
Replies: 27
Views: 2966

Re: Is My Iphone Now a Brick?

why didn't you just reset the password? https://appleid.apple.com/#!&page=signin In order to reset the password, you have to enter your information for review and they will send you a phone message in 13 days time to tell you how to reset it but since I reset the phone back to factory state, that i...
by lthenderson
Fri Jan 18, 2019 9:07 am
Forum: Personal Consumer Issues
Topic: How to clean DSLR camera lens?
Replies: 9
Views: 517

Re: How to clean DSLR camera lens?

I always use a microfiber cloth that comes with the purchase of new glasses. If something greasy gets on the lens, I use those wet wipes made for electronic screens, dry and then follow up with a microfiber cloth.
by lthenderson
Fri Jan 18, 2019 9:03 am
Forum: Personal Consumer Issues
Topic: bathroom vent condensation moisture
Replies: 16
Views: 1511

Re: bathroom vent condensation moisture

go_mets wrote:
Thu Jan 17, 2019 7:55 pm
I don't run the fan at all during the shower.
You can still get condensation just from warm moist air naturally rising up through your exhaust fan and condensing on uninsulated ducting and running back into your bathroom. Wageoghe's advice was spot on.
by lthenderson
Fri Jan 18, 2019 8:59 am
Forum: Personal Consumer Issues
Topic: What shelf liquor and your favorite cocktails?
Replies: 45
Views: 2742

Re: What shelf liquor and your favorite cocktails?

I started getting more into cocktails and less into beer and wine recently. I'm curious: What do you buy for liquor and do you notice a big difference between bottom, middle and top shelf? Not a big drinker so I tend to go for middle and top shelf bottles of scotch. One bottle usually lasts me a ye...
by lthenderson
Fri Jan 18, 2019 8:57 am
Forum: Personal Consumer Issues
Topic: Is My Iphone Now a Brick?
Replies: 27
Views: 2966

Re: Is My Iphone Now a Brick?

The carrier is Verizon and my mom's name is on the account. I can log into her Verizon account. Not to stray too far off topic, but be mindful with the account set-up. Since her name is on the Verizon account, he'll probably want to open his own account and transfer his number at some point. Best f...
by lthenderson
Fri Jan 18, 2019 8:54 am
Forum: Personal Consumer Issues
Topic: Is My Iphone Now a Brick?
Replies: 27
Views: 2966

Re: Is My Iphone Now a Brick?

why didn't you just reset the password? https://appleid.apple.com/#!&page=signin In order to reset the password, you have to enter your information for review and they will send you a phone message in 13 days time to tell you how to reset it but since I reset the phone back to factory state, that i...
by lthenderson
Thu Jan 17, 2019 3:46 pm
Forum: Personal Consumer Issues
Topic: Is My Iphone Now a Brick?
Replies: 27
Views: 2966

Re: Is My Iphone Now a Brick?

There is something in place. You started the process. Wait for them to respond. Do you have access to the email account that was used for the Apple ID? In this situation, in my experience, they will respond to that email address. If that does not resolve the situation, call apple support or go to a...
by lthenderson
Thu Jan 17, 2019 3:20 pm
Forum: Personal Consumer Issues
Topic: Is My Iphone Now a Brick?
Replies: 27
Views: 2966

Re: Is My Iphone Now a Brick?

The process is difficult by design, to reduce the incentive for stealing iPhones. I understand that and I'm glad it is in place. I'm sure it probably had reduced cell phone thefts dramatically. But there just doesn't seem to be anything in place if one can fully prove their case, i.e. owner is dead...
by lthenderson
Thu Jan 17, 2019 2:59 pm
Forum: Personal Consumer Issues
Topic: Is My Iphone Now a Brick?
Replies: 27
Views: 2966

Is My Iphone Now a Brick?

My mom passed away two months ago and had an iphone6. My father has a flip phone and I've convinced him to enter the smart phone world and have been trying to reformat my mom's old phone. The catch is I know my mom's AppleID but not the password. I tried her standard passwords to no avail and even a...
by lthenderson
Thu Jan 17, 2019 10:16 am
Forum: Personal Consumer Issues
Topic: House Dillema
Replies: 12
Views: 1225

Re: How much do you care about housing?

My dream house is the house I move into or build after the last of the kids leave the nest. Until then, we are making this house work to meet our needs. The reason is that most people I know tend to downsize considerably when the kids are gone and they don't want to be slaves to a large house they n...
by lthenderson
Wed Jan 16, 2019 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Ever encountered a toxic advisor? How did you handle it?
Replies: 25
Views: 3027

Re: Ever encountered a toxic advisor? How did you handle it?

Pre-Bogleheads, I had an adviser that I just didn't get along with. He was always asking to put substantial amounts of my account on a single stock that was down at the time or another one that just had to increase dramatically. I eventually dealt with him but just finding another adviser who worked...
by lthenderson
Wed Jan 16, 2019 1:12 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3526
Views: 1034251

Re: What Book Are You Currently Reading? Part VI

Just finished "In Our Image: America's Empire In the Philippines" by Stanley Karnow. Since I frequently visit the Philippines, I thought it good to learn more about their history and I did learn a lot. Unexpectedly, I also learned a lot about America as well. It was a long book but just the thing fo...
by lthenderson
Wed Jan 16, 2019 1:07 pm
Forum: Personal Consumer Issues
Topic: Gillette Mach 3 alternatives
Replies: 81
Views: 5749

Re: Gillette Mach 3 alternatives

My solution was to grow a beard and then just shave the neck once a week. One blade usually lasts me three months that way so buying the standard 10 pack of blades is a two and a half year supply.
by lthenderson
Tue Jan 15, 2019 1:22 pm
Forum: Personal Consumer Issues
Topic: downspout extension part
Replies: 7
Views: 845

Re: downspout extension part

Thank you. I followed the link and also looked at b style elbows on the web. If I am visualizing them correctly they go off at 90 degrees so they would be dumping water at the foundation, when what I need is something that goes off at 45 degrees. There isn't any one fitting that is going to get you...
by lthenderson
Tue Jan 15, 2019 1:12 pm
Forum: Personal Consumer Issues
Topic: In the market for a new dryer
Replies: 20
Views: 1308

Re: In the market for a new dryer

We bought a bottom of the line Maytag that has only three manual dials that can be turned. That was about six years ago and it has been working great ever since. With any major appliance, I always call up the local appliance repair man and ask him two things before I make a purchase: 1. What brands ...
by lthenderson
Tue Jan 15, 2019 1:03 pm
Forum: Personal Consumer Issues
Topic: Message from United Consumer Financial Services (UCFS). A Scam?
Replies: 10
Views: 766

Re: Message from United Consumer Financial Services (UCFS). A Scam?

First thing I would do is get a copy of your credit report to see if it is listed there.
by lthenderson
Tue Jan 15, 2019 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Help with Simple Real Estate Transaction
Replies: 9
Views: 691

Re: Help with Simple Real Estate Transaction

In our area, a lot of real estate transactions between family members are done using quitclaim deeds because of the ease and simplicity of using them. I don't know if every state treats them differently so I would research them a bit in your area.
by lthenderson
Tue Jan 15, 2019 9:29 am
Forum: Personal Consumer Issues
Topic: downspout extension part
Replies: 7
Views: 845

Re: downspout extension part

What you are looking for is a "B Style" downspout elbow. They are bend on the opposite axis than the normal "A Style" which is what you have and have flexible segments so you can direct water side to side. So you would attach it between the A Style elbow you have now and your downspout extension pipe.
by lthenderson
Tue Jan 15, 2019 9:20 am
Forum: Personal Consumer Issues
Topic: Would like some advice on a family minivan
Replies: 17
Views: 1078

Re: Would like some advice on a family minivan

We used to have an Odyssey that was totaled in a hail storm to end all hail storms. We opted for the Sienna to replace it for the AWD which we really love when driving in adverse conditions. Our Odyssey handled like a pig on ice in comparison when it was slick on the roads. As others said, they don'...
by lthenderson
Tue Jan 15, 2019 9:10 am
Forum: Personal Consumer Issues
Topic: Duffel Bag vs Wheeled Stand Up traveling
Replies: 78
Views: 3719

Re: Duffel Bag vs Wheeled Stand Up traveling

I have used a backpack made by an outdoors company designed to be a day pack for hiking for decades now and love it compared to duffel bags or those wheeled counterparts. Like others said, I like having both hands free to carry travel documents onto the plane with one hand and my coffee or water in ...
by lthenderson
Mon Jan 14, 2019 6:26 pm
Forum: Personal Consumer Issues
Topic: Bogleheads-type forum for Genealogy Research?
Replies: 11
Views: 905

Re: Bogleheads-type forum for Genealogy Research?

Ancestry Academy (under the Extras tab at the top left of their homepage), has lots of videos to get you started. You can also sign up for an email newsletter which they send out once a week often with videos, helpful tips about a particular record set, etc. If you go to their community pages, you c...
by lthenderson
Mon Jan 14, 2019 4:54 pm
Forum: Personal Consumer Issues
Topic: Who's flying?
Replies: 69
Views: 8141

Re: Who's flying?

Heading to the airport a week from Monday, doing some international travel out of the US. Anybody have any first hand accounts of how things are at the airports now that TSA is affected by the government shutdown? What are the ramifications? Any particular airports worse than others? I can potentia...
by lthenderson
Mon Jan 14, 2019 4:51 pm
Forum: Personal Consumer Issues
Topic: Credit score dropped dramatically, while credit has been frozen
Replies: 31
Views: 1946

Re: Credit score dropped dramatically, while credit has been frozen

My credit reports have been frozen for a couple years and I get perhaps two notifications a month of credit score changes, sometimes lower sometimes higher. The notification never specifies how much my score has changed, only that it has and what direction. I suspect it has something to do with my c...
by lthenderson
Fri Jan 11, 2019 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Salary Question During Job Interview
Replies: 17
Views: 2278

Re: Salary Question During Job Interview

I've had a lot of interviews and I can't think of one where they didn't either bring up a salary range at some point or ask me what my salary range was. I never brought it up myself but if I ever had an interview where they didn't bring it up, I would definitely ask before I left to make sure we wer...
by lthenderson
Fri Jan 11, 2019 8:37 am
Forum: Personal Consumer Issues
Topic: Best place to sell stuff?
Replies: 21
Views: 1603

Re: Best place to sell stuff?

I have a lot of things around my house that I do not use and want to sell. Things like clothes, books, electronics, tchotchkes, etc. What's the best platform to do this? eBay, Amazon, craigslist, other? I live in San Francisco, CA. Thanks. If you want to get scammed somehow and then spend lots of t...
by lthenderson
Thu Jan 10, 2019 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Under $100k Avg Annual Income Millionaires and How You Did It?
Replies: 117
Views: 13904

Re: Under $100k Avg Annual Income Millionaires and How You Did It?

- Live below your means - Don't overspend on house and car - Save and invest consistently, using low-cost funds - Use all your tax-advantaged space, and defer your taxes as much as possible (say at 20% marginal and higher) - Have some luck with the markets - this one you don't really control, obvio...
by lthenderson
Thu Jan 10, 2019 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Emergency Fund questions
Replies: 17
Views: 921

Re: Emergency Fund questions

How do you all handle emergency funds, where do you keep them and how much do you keep on hand? We keep our system pretty simple. Our checking account has enough in it to handle a couple months worth of expenses. When the balance gets too large I transfer it into our savings account. I look at thes...
by lthenderson
Thu Jan 10, 2019 10:56 am
Forum: Personal Finance (Not Investing)
Topic: How did you solve the pre-medicare healthcare riddle?
Replies: 81
Views: 5615

Re: How did you solve the pre-medicare healthcare riddle?

Bloodsuckingleeches wrote:
Thu Jan 10, 2019 10:41 am
The most obvious solution is one of two spouses taking a job FT or PT primarily for the health benefits.
This has been our solution. It helps that my spouse really doesn't want to retire and likes what she does.
by lthenderson
Thu Jan 10, 2019 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Building Wealth Through Home Equity--Myth or Reality?
Replies: 94
Views: 6076

Re: Building Wealth Through Home Equity--Myth or Reality?

Highly dependent on location. After thirty years of owning houses, I'm guessing if I sold the one I'm in now, I've just about broke even. I lost $5k on the first house, I made about $5k on the second and this one after six years of ownership, I figure I could sell it for what I've put into it. I wou...
by lthenderson
Tue Jan 08, 2019 3:19 pm
Forum: Personal Consumer Issues
Topic: Engineer Co-op question
Replies: 14
Views: 905

Re: Engineer Co-op question

I would like to apply for this co-op, it is a manufacturing engineering co-op position....but am I crazy to this early on, and do I even have a shot with my background? Go for it. I did two co-op jobs before graduating and both were excellent experience and gave me a leg up on other candidates late...
by lthenderson
Tue Jan 08, 2019 3:11 pm
Forum: Personal Consumer Issues
Topic: Need hotel near LAX
Replies: 15
Views: 1387

Re: Need hotel near LAX

Airport Marriott - very good but a bit pricy, and worth every penny in my opinion, very good security. Has a good restaurant; good place to decompress and not worry about going out for food. Have stayed there several times but not for past year or so. Might be more than needed if you only need a ro...
by lthenderson
Mon Dec 17, 2018 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Physician Loan and Buy vs Rent (already searched forums)
Replies: 33
Views: 1955

Re: Physician Loan and Buy vs Rent (already searched forums)

I'll qualify this by saying my wife is a physician. The biggest mistake I see other physicians do when buying a home is buying one that is outside the price range of 90% of the population. It isn't a problem with the physician because they can afford it. It becomes a problem in the future when for s...
by lthenderson
Mon Dec 17, 2018 8:43 am
Forum: Personal Consumer Issues
Topic: Any advice for buying a used car?
Replies: 79
Views: 3564

Re: Any advice for buying a used car?

I am not too knowledgeable about cars so I will likely need to take any car to my mechanic and be sure there aren’t any problems. Whenever I hear these words, my first instinct is that you are better off buying new. I've bought lots of used cars over the years and it is only a matter of time before...
by lthenderson
Fri Dec 14, 2018 8:44 am
Forum: Personal Consumer Issues
Topic: Potential New Home - Planes and Trains Noise
Replies: 35
Views: 2611

Re: Potential New Home - Planes and Trains Noise

Nature makes noise, too. I've camped in remote areas with no humans for 10 miles around, but the frogs and insects have been so vocal that I needed earplugs and even those didn't help much. Ditto for wind in the leaves. Cicadas come readily to my mind. We went through a 17 year brood a few years ba...
by lthenderson
Wed Dec 12, 2018 9:26 am
Forum: Personal Finance (Not Investing)
Topic: neighbor wants to purchase our 1 acre property adjacent to their property
Replies: 9
Views: 1311

Re: neighbor wants to purchase our 1 acre property adjacent to their property

I am not sure how to proceed. I hate to spend money for an appraisal. Do I ask them to make an offer? Do I state my asking price first? I believe the property is worth between $25,000 and $27,500, but I am not sure if that is wishful thinking. Any advice would be appreciated! When negotiating to se...
by lthenderson
Wed Dec 12, 2018 9:20 am
Forum: Personal Consumer Issues
Topic: Rental car totalled - amex insurance issue
Replies: 19
Views: 3306

Re: Rental car totalled - amex insurance issue

My rental car got stuck in a flooded road and was totaled. I rent on American Express card and pay for amex premium coverage as primary and assumed it will all be taken care of. After a couple of months I heard from the car rental company that amex is paying for approx 90% of the net ACV ( actual c...
by lthenderson
Wed Dec 12, 2018 9:07 am
Forum: Personal Consumer Issues
Topic: Replacing a gas furnace and electric AC: when and how much?
Replies: 25
Views: 1524

Re: Replacing a gas furnace and electric AC: when and how much?

Forced air gas heaters are incredibly simple machines with only a few parts that can go bad. The motor is by far the most frequent thing to go bad and parts and even new motors are very easy to find. Occasionally a circuit board goes bad and those are much more expensive and harder to find especiall...
by lthenderson
Tue Dec 11, 2018 9:29 am
Forum: Personal Consumer Issues
Topic: Noise coming through apartment vent duct
Replies: 18
Views: 1909

Re: Noise coming through apartment vent duct

Are you saying there is a ventilation duct that connects your apartment directly to your upstairs neighbor? This makes absolutely no sense. Not only would it make it hard to cool down the top apartment in summer and hard to heat the bottom apartment in winter but it would mean there is no longer any...
by lthenderson
Tue Dec 11, 2018 9:14 am
Forum: Personal Consumer Issues
Topic: Need recommendation for new washing machine
Replies: 45
Views: 2469

Re: Need recommendation for new washing machine

Having working in the laundry business designing washing machines in particular, there really isn't anything special about Speed Queen's basic top loading washers that is different than anybody else's basic top loading washer. Where you get the reliability issues are all the added features (i.e. se...
by lthenderson
Mon Dec 10, 2018 6:28 pm
Forum: Personal Consumer Issues
Topic: Need recommendation for new washing machine
Replies: 45
Views: 2469

Re: Need recommendation for new washing machine

Having working in the laundry business designing washing machines in particular, there really isn't anything special about Speed Queen's basic top loading washers that is different than anybody else's basic top loading washer. Where you get the reliability issues are all the added features (i.e. sen...
by lthenderson
Sat Dec 08, 2018 2:25 pm
Forum: Personal Consumer Issues
Topic: Contractor draws during remodeling project
Replies: 25
Views: 2957

Re: Contractor draws during remodeling project

We are just going through the same thing now. We are paying 100% of all specialty items like cabinets and windows that need to be ordered ahead of time. Once construction starts we will divide the rest into two equal payments.
by lthenderson
Fri Dec 07, 2018 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Marriott data breach, what are you doing about it?
Replies: 11
Views: 1370

Re: Marriott data breach, what are you doing about it?

I'm doing exactly nothing. My credit has been frozen for several years already and if someone gets my credit card number, I just call up the credit card company to have them issue another one. It wouldn't be the first time. Just last week, my dad received a credit card bill with $25,000 worth of fra...
by lthenderson
Fri Dec 07, 2018 9:02 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3526
Views: 1034251

Re: What Book Are You Currently Reading? Part VI

XtremeSki2001 wrote:
Tue Dec 04, 2018 2:15 pm
Starting to read Jon Krakauer's "Into Thin Air"
When I read this book the first time, I started it around 8 in the evening. I finally put it down at around 2 or so in the morning only because it was finished. I found it one of the tightest books ever written as far as keeping ones interest going.
by lthenderson
Fri Dec 07, 2018 8:58 am
Forum: Personal Consumer Issues
Topic: GE Washing Machine Screeching Sound
Replies: 19
Views: 1344

Re: GE Washing Machine Screeching Sound

There isn't much to a basic top loading washer. It is either the bearings, or something has fallen between the drum (perforated basket) and the tub (watertight enclosure) and when loaded and spinning, the deflection is causing it to rub and screech. To diagnose the latter problem, disconnect all the...