Search found 2714 matches

by lthenderson
Tue Feb 20, 2018 4:10 pm
Forum: Personal Consumer Issues
Topic: Price of home heating oil vs gasoline?
Replies: 18
Views: 553

Re: Price of home heating oil vs gasoline?

How much would you have to pay for a gallon of gas delivered to your house and put in your car? Or vice versa: How much would you have to pay for a gallon of heating oil if you loaded up and drove your heating oil tank to the local distribution point and filled it up yourself? I buy gasoline in amo...
by lthenderson
Tue Feb 20, 2018 3:19 pm
Forum: Personal Consumer Issues
Topic: Price of home heating oil vs gasoline?
Replies: 18
Views: 553

Re: Price of home heating oil vs gasoline?

How much would you have to pay for a gallon of gas delivered to your house and put in your car? Or vice versa: How much would you have to pay for a gallon of heating oil if you loaded up and drove your heating oil tank to the local distribution point and filled it up yourself? I buy gasoline in amo...
by lthenderson
Tue Feb 20, 2018 12:49 pm
Forum: Personal Consumer Issues
Topic: Furnace Setting for Vacation
Replies: 21
Views: 847

Re: Furnace Setting for Vacation

I don't have external pipes in my walls so I have set mine at 50 degrees before with no problems for long vacations in the heart of winter. However, I generally leave it at 60 degrees for a couple reasons. The house plants do better long term when at 60 degrees and it doesn't take so long to heat th...
by lthenderson
Tue Feb 20, 2018 12:42 pm
Forum: Personal Consumer Issues
Topic: Good brands for Kitchenware?
Replies: 38
Views: 2568

Re: Good brands for Kitchenware?

Any thoughts on cast iron vs stainless steel vs enameled cast iron? Can stainless steel be used for all types of cooking? We use our stainless steel All Clad for all types of cooking. However, the other two have some advantages and we use them occasionally. We have LeCreuset enameled cast iron that...
by lthenderson
Tue Feb 20, 2018 10:25 am
Forum: Personal Consumer Issues
Topic: Price of home heating oil vs gasoline?
Replies: 18
Views: 553

Re: Price of home heating oil vs gasoline?

How much would you have to pay for a gallon of gas delivered to your house and put in your car?

Or vice versa:

How much would you have to pay for a gallon of heating oil if you loaded up and drove your heating oil tank to the local distribution point and filled it up yourself?
by lthenderson
Tue Feb 20, 2018 9:56 am
Forum: Personal Consumer Issues
Topic: Repairing Stucco: A Case of Contractor Gouging
Replies: 39
Views: 2581

Re: Repairing Stucco: A Case of Contractor Gouging

I can easily see the same job costing more in a nicer development then in say a low priced area. Someone in a nicer home will likely expect a better quality job and may be fussier about the outcome... more time for the contractor. Better that he's telling you upfront then he surprises you with the ...
by lthenderson
Tue Feb 20, 2018 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Cut down on retirement savings to build emergency fund
Replies: 20
Views: 1026

Re: Cut down on retirement savings to build emergency fund

My first choice would be to cut back on other expenses to build up the emergency fund. If I were to cut back on retirement savings, I would still contribute enough to max out any employer matches. Long term, I would have more of an emergency fund so you don't find yourself in this situation again.
by lthenderson
Tue Feb 20, 2018 8:59 am
Forum: Personal Consumer Issues
Topic: 26 foot Box Truck Rental Questions (Tolls and Insurance)
Replies: 10
Views: 509

Re: 26 foot Box Truck Rental Questions (Tolls and Insurance)

Years ago I did a move of about 1000 miles with a truck that big pulling my car on a dolly behind. Interstates are pretty easy to navigate. I set the cruise on the speed limit so almost all the traffic was going faster than me and just cruised away so it limited how many people I passed. Along the w...
by lthenderson
Mon Feb 19, 2018 3:23 pm
Forum: Personal Consumer Issues
Topic: Bogleheads with $100K+ MSRP cars?
Replies: 78
Views: 6778

Re: Bogleheads with $100K+ MSRP cars?

I used to have a backhoe that was almost that much, and an excavator that was pretty pricey. They are a blast to "drive" but go very very slow. j :D I drive a vehicle for only four weeks a year that retails for almost $600,000. http://blog.machinefinder.com/wp-content/uploads/2017/06/S700-Combine-e...
by lthenderson
Mon Feb 19, 2018 3:05 pm
Forum: Personal Consumer Issues
Topic: Is window replacement this expensive?
Replies: 27
Views: 2239

Re: Is window replacement this expensive?

New windows are very expensive which is why it is almost never worth it replace over just fixing up the existing ones because the payback period (energy savings vs. cost) is often longer than the owner's life expectancy. Saying that, dealers are going to quote the highest prices for labor. If you wa...
by lthenderson
Thu Feb 15, 2018 9:13 am
Forum: Personal Consumer Issues
Topic: Photography related question - time lapse
Replies: 3
Views: 231

Re: Photography related question - time lapse

I would be interested to know if the programmed set point on a drone is accurate enough for a multi-day time lapse. I googled time lapse drone photography and there are a number of videos online but all with the drone staying put for a couple hours and that is it. If you are interested in building a...
by lthenderson
Thu Feb 15, 2018 9:03 am
Forum: Personal Consumer Issues
Topic: Photography related question - time lapse
Replies: 3
Views: 231

Re: Photography related question - time lapse

I do time lapse photography from time to time. I have a small pelican box that I have modified to fit an SLR camera that would accept some old lenses I had laying around the house. I bought a timer and a power cord for it and simply strap it to the nearest handy object within range of an outlet and ...
by lthenderson
Thu Feb 15, 2018 8:50 am
Forum: Personal Consumer Issues
Topic: rule of thumb of when to sell your car
Replies: 50
Views: 3355

Re: rule of thumb of when to sell your car

What if the repair allows comfortable use and running of the car for another 3-5 years? The low cost of keeping and running the car can make it worthwhile to postpone the car purchase for that much time. +1 This is why one should always include the expected additional life when figuring out whether...
by lthenderson
Wed Feb 14, 2018 10:36 am
Forum: Personal Consumer Issues
Topic: 2016 Honda Pilot vs. Kia Sorento vs. RAV4 - Help me pick
Replies: 14
Views: 907

Re: 2016 Honda Pilot vs. Kia Sorento vs. RAV4 - Help me pick

We have a 17 Sienna and a 15 RAV4. Did you know the RAV4 has a sport mode (at least on some models) that allows for a lot better acceleration up to interstate speeds?
by lthenderson
Wed Feb 14, 2018 10:30 am
Forum: Personal Consumer Issues
Topic: Digital alarm clock suggestions?
Replies: 26
Views: 1693

Re: Digital alarm clock suggestions?

Angelus359 wrote:
Wed Feb 14, 2018 9:40 am
If you want minimal buttons you could get an Amazon Alexa echo dot, and use that as an alarm

+1 I haven't seen an alarm clock that has all your must haves.
by lthenderson
Wed Feb 14, 2018 10:26 am
Forum: Personal Consumer Issues
Topic: rule of thumb of when to sell your car
Replies: 50
Views: 3355

Re: rule of thumb of when to sell your car

What if the repair allows comfortable use and running of the car for another 3-5 years? The low cost of keeping and running the car can make it worthwhile to postpone the car purchase for that much time. +1 This is why one should always include the expected additional life when figuring out whether...
by lthenderson
Wed Feb 14, 2018 8:51 am
Forum: Personal Consumer Issues
Topic: rule of thumb of when to sell your car
Replies: 50
Views: 3355

Re: rule of thumb of when to sell your car

Does anyone have any rules of thumb that they use on when its time to sell? I would start saving the $280/month until you have enough money saved to pay all cash for a new car. Then it is a matter of waiting until something big happens that requires more money than you want to sink into an old car....
by lthenderson
Wed Feb 14, 2018 8:47 am
Forum: Personal Consumer Issues
Topic: Best way to sell a Washer and Dryer
Replies: 11
Views: 889

Re: Best way to sell a Washer and Dryer

GridironGems wrote:
Tue Feb 13, 2018 10:09 pm
I help out a gentleman whom is in a retirement facility and he recently moved to a different room.
I would also try posting an ad on the facility bulletin board. Lots of times incoming residents have a need for different equipment than what they had in their houses.
by lthenderson
Tue Feb 13, 2018 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Simplifying the Financial Records
Replies: 8
Views: 988

Re: Simplifying the Financial Records

I use an Excel spreadsheet to input the balances of all my retirement assets once a month to get a general picture of how it is progressing. I use Quicken but mostly just to keep tabs on spending amounts per year, no fine detail.
by lthenderson
Tue Feb 13, 2018 11:56 am
Forum: Personal Consumer Issues
Topic: Medical Lab Fees - Not Covered
Replies: 13
Views: 1234

Re: Medical Lab Fees - Not Covered

I and my family have had a number of medical doctor visits over the last year. I go to the medical practice that is within my plan. (Aetna) The doctor performs his work under the cost structure of the Aetna plan. However, I will receive bills from labs etc. months after my visit/procedure. Is there...
by lthenderson
Tue Feb 13, 2018 11:23 am
Forum: Personal Consumer Issues
Topic: TV assisted listening
Replies: 4
Views: 453

Re: TV assisted listening

Is there a system that will enable one hard of hearing person to use headphones while the others use a sound bar at a normal volume? TV is a somewhat recent Vizio set with their sound bar, which is connected to the optical port. Just went through this yesterday with my elderly grandparents. I bough...
by lthenderson
Tue Feb 13, 2018 11:17 am
Forum: Personal Consumer Issues
Topic: What big item (>20k) are you saving up for?
Replies: 109
Views: 7654

Re: What big item (>20k) are you saving up for?

(Reason for my post is I have bit of taxable saved up and thinking about what I might spend it on if I chose to spend it.) I would suggest that this line or reasoning is not a healthy way to think about money, i.e. dreaming up ways to spend money sitting in an account. A more healthy way would be t...
by lthenderson
Tue Feb 13, 2018 11:08 am
Forum: Personal Consumer Issues
Topic: Anyone have a Walabot (imaging sensor for wires, pipes, studs in walls)?
Replies: 17
Views: 1776

Re: Anyone have a Walabot (imaging sensor for wires, pipes, studs in walls)?

I've been remodeling houses for years and really don't understand why anyone would need to spend money on these sorts of things. I can use my knuckle on my hand to locate any stud. So you can bang on a wall and find the exact center of every stud with a degree of accuracy where you would be comfort...
by lthenderson
Mon Feb 12, 2018 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Accountant not doing taxes while you are there
Replies: 21
Views: 2132

Re: Accountant not doing taxes while you are there

Has anyone ever had a CPA not complete their taxes while they were there at the appointment? Were they a CPA or an Independent Accountant like you might find at chain tax places like H&R Block? There is a big difference in skill sets and how they go about doing taxes. In my experience, CPA's do exa...
by lthenderson
Mon Feb 12, 2018 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice on new home purchase
Replies: 15
Views: 1195

Re: Need advice on new home purchase

Jags4186 wrote:
Mon Feb 12, 2018 4:39 pm
Can you not qualify for a conventional mortgage?
We've always just gone this route and got a regular mortgage for the new house and once moved, do cosmetic work to the old house and sell it. Once you have the old house sold, you can simply pay off the new mortgage early or invest in other ways.
by lthenderson
Mon Feb 12, 2018 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Where to put money for car/house expenses
Replies: 10
Views: 510

Re: Where to put money for car/house expenses

Since we tend to drive cars until they stop driving and most most of our house expenses are unforseen (i.e. the water heater springs a leak), we just keep the money in our emergency fund. I like to keep between a year and 18 months of expenses in my emergency fund so if we need a car or a major repa...
by lthenderson
Mon Feb 12, 2018 10:05 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2846
Views: 893809

Re: What Book Are You Currently Reading? Part VI

I just finished "Astrophysics For People In a Hurry" by Neil Degrasse Tyson. I really enjoyed this book though I admit that even after just finishing it I would be hard pressed to explain some principles like what a quasar is to someone. A lot of things stuck with me but not everything which is prob...
by lthenderson
Mon Feb 12, 2018 9:55 am
Forum: Personal Consumer Issues
Topic: Do you think it is worth the money to travel to warm weather destinations during the winter?
Replies: 77
Views: 6356

Re: Do you think it is worth the money to travel to warm weather destinations during the winter?

For me, traveling to someplace warmer during the winter months is only worth it if whatever your plans are once you get there are worth it. In other words, it isn't worth it just for some sunshine and warmth. But if you really enjoy baseball and want to see a specific team play in someplace warm, th...
by lthenderson
Mon Feb 12, 2018 9:49 am
Forum: Personal Consumer Issues
Topic: Driving a rental car in Western Europe
Replies: 46
Views: 1535

Re: Driving a rental car in Western Europe

2. In Germanic regions, there is a much, much stronger cultural expectation that you keep to the right unless passing. Here in the States, people go slow(er) in the left lane all time, and it's certainly annoying. But on the Autobahn, it's simply not done . If you wind up getting passed on the righ...
by lthenderson
Mon Feb 12, 2018 9:47 am
Forum: Personal Consumer Issues
Topic: Home buying: how to send postcards to neighborhood we want to live in?
Replies: 38
Views: 3740

Re: Home buying: how to send postcards to neighborhood we want to live in?

I've never bought a house this way but did buy some land this way. I just wrote a letter stating who I was and that if someday in the future they were interested in selling the land to please contact me and let me make an offer on the property. They contacted me a month later and we made a deal. Alt...
by lthenderson
Mon Feb 12, 2018 9:39 am
Forum: Personal Consumer Issues
Topic: Bonavita 1500 vs 1800/1900? (coffee)
Replies: 16
Views: 1247

Re: Bonavita 1500 vs 1800/1900? (coffee)

We bought the Bonavita BV1800TH based off of a testing review by America's Test Kitchen and have been extremely pleased with the quality of coffee it makes. The only two complaints I have are one, like someone above mentioned, the marked scale on the reservoir are for small 6 oz coffee cups and not ...
by lthenderson
Mon Feb 12, 2018 9:32 am
Forum: Personal Consumer Issues
Topic: Anyone have a Walabot (imaging sensor for wires, pipes, studs in walls)?
Replies: 17
Views: 1776

Re: Anyone have a Walabot (imaging sensor for wires, pipes, studs in walls)?

I've been remodeling houses for years and really don't understand why anyone would need to spend money on these sorts of things. I can use my knuckle on my hand to locate any stud. For water lines and electrical lines, there are codes for people installing them to prevent people from accidentally pu...
by lthenderson
Mon Feb 12, 2018 9:22 am
Forum: Personal Consumer Issues
Topic: Driving a rental car in Western Europe
Replies: 46
Views: 1535

Re: Driving a rental car in Western Europe

Like many others, I have driven and rented cars throughout western Europe with no problems. I like the spontaneity of being able to stop whenever I want and looking back, I always think some of the best experiences have been along unplanned stops en-route to some particular destination. Like someone...
by lthenderson
Fri Feb 09, 2018 4:20 pm
Forum: Personal Consumer Issues
Topic: A bill from the doctor - how/should I contest?
Replies: 44
Views: 3791

Re: A bill from the doctor - how/should I contest?

Like the others, I would probably contest it initially until I got a better answer. However, in the long run, I would probably pay the $300 versus having it turned over to collection agencies and such because the aggravation caused by that would be worse than being out $300. Since it went through yo...
by lthenderson
Fri Feb 09, 2018 4:14 pm
Forum: Personal Consumer Issues
Topic: Not happy where we live
Replies: 26
Views: 2845

Re: Not happy where we live

I have always lived by doing what makes me happy. If I had a toxic environment or job, I moved or changed jobs and I have even taken large pay cuts to do so. But long term, the money has always followed me where ever I have gone. It may be coincidence but I like to think that if you are happy, you p...
by lthenderson
Fri Feb 09, 2018 10:04 am
Forum: Personal Consumer Issues
Topic: Suggest coffee maker please
Replies: 110
Views: 6231

Re: Suggest coffee maker please

Don't all standard coffee makers allow you to adjust the strength? - you just add a couple of extra tablespoons of ground coffee - does something prevent you from doing that? I don't know dear, I'm trying for the 1st time. I used two tablespoons of coffee but it didn't feel strong like the drip cof...
by lthenderson
Fri Feb 09, 2018 9:55 am
Forum: Personal Consumer Issues
Topic: Suggest coffee maker please
Replies: 110
Views: 6231

Re: Suggest coffee maker please

Pour-over is the same basic method as used by most 'automatic' coffee makers, except you heat the water in a kettle and pour it over by hand. Typically a paper filter is used. The difference is you have more control over water temperature and the rate the water pours. Know that the perfect temperat...
by lthenderson
Fri Feb 09, 2018 9:52 am
Forum: Personal Consumer Issues
Topic: sudden overnight problem with spam email
Replies: 20
Views: 1379

Re: sudden overnight problem with spam email

Just took a look at my gmail spam folder. I've received six today and it isn't yet 9 am. Like the others, I never check the spam folder unless someone claims to have sent me an email that I didn't receive. Gmail has gotten so good at separating spam from legitimate emails that I haven't even had to ...
by lthenderson
Fri Feb 09, 2018 9:45 am
Forum: Personal Consumer Issues
Topic: Suggest coffee maker please
Replies: 110
Views: 6231

Re: Suggest coffee maker please

Don't all standard coffee makers allow you to adjust the strength? - you just add a couple of extra tablespoons of ground coffee - does something prevent you from doing that? I don't know dear, I'm trying for the 1st time. I used two tablespoons of coffee but it didn't feel strong like the drip cof...
by lthenderson
Thu Feb 08, 2018 10:49 am
Forum: Personal Consumer Issues
Topic: Tip amount for daily newspaper delivery
Replies: 21
Views: 1138

Re: Tip amount for daily newspaper delivery

Ping Pong wrote:
Thu Feb 08, 2018 10:42 am
It sounds like I need to see if I can get a job as a paper delivery person at the beginning of December and quit at the end of the month.
I actually think this is quite common. Often in January I will notice a different person is delivering papers.
by lthenderson
Thu Feb 08, 2018 10:30 am
Forum: Personal Consumer Issues
Topic: Water Leak from shower stall - how to detect
Replies: 16
Views: 1223

Re: Water Leak from shower stall - how to detect

What is the best way to find such leaks - it is from the drain or something else? Remove drywall from ceiling? Any thoughts? After checking off the obvious things, my next move is to cut an access hole in the ceiling. Drywall is cheap and fairly easy to patch holes unless you have popcorn or textur...
by lthenderson
Thu Feb 08, 2018 10:19 am
Forum: Personal Consumer Issues
Topic: Getting Rid of Ants in the House?
Replies: 46
Views: 2506

Re: Getting Rid of Ants in the House?

My first choice is to try all reasonable approaches myself before calling an exterminator. Is there anything I'm missing? After years of trying just about everything under the sun to kill the ants that made it inside my house, I had an epiphany. Why not just prevent the ants from getting inside the...
by lthenderson
Thu Feb 08, 2018 10:13 am
Forum: Personal Consumer Issues
Topic: Tip amount for daily newspaper delivery
Replies: 21
Views: 1138

Re: Tip amount for daily newspaper delivery

dbr wrote:
Thu Feb 08, 2018 10:03 am
The delivery standard your paper adheres to seems to be common.
Our newspaper requires its delivery people to place it on the front porch. Occasionally they miss the mark but 95% of the time it is within a few feet of my front door. I usually tip them $20 at Christmas time.
by lthenderson
Thu Feb 08, 2018 10:09 am
Forum: Personal Consumer Issues
Topic: Books/articles on life 100-120 years ago?
Replies: 19
Views: 1262

Re: Books/articles on life 100-120 years ago?

I’ve been doing some genealogy searches and wondering about how my grandparents lived. As an armchair genealogist, one of the things I always do to get a sense of a particular area at a particular time is to read a local newspaper from that time. There are several excellent online newspaper archive...
by lthenderson
Thu Feb 08, 2018 9:43 am
Forum: Personal Consumer Issues
Topic: What time do you go to work?
Replies: 72
Views: 5174

Re: What time do you go to work?

When I worked in an office, I went in around 6:30am. That hour to hour and a half I had before the majority of the people arrived was when I got my best work done. After that productivity went downhill as meetings and firefighting issues began. I was an engineer.
by lthenderson
Wed Feb 07, 2018 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Am I saving too much for retirement?
Replies: 105
Views: 12300

Re: Am I saving too much for retirment?

You can never save too much. When you get to the point where your retirement funding is complete, then you move onto early retirement. Once you have enough saved to retire at whatever age you are currently at, you retire. If you overshoot and die with extra money, you make someone else happy.
by lthenderson
Wed Feb 07, 2018 9:41 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2846
Views: 893809

Re: What Book Are You Currently Reading? Part VI

Just finished "Buried In the Sky: the Extraordinary Story of the Sherpa Climbers on K2's Deadliest Day" by Peter Zuckerman and Amanda Padoan. https://www.amazon.com/Buried-Sky-Extraordinary-Climbers-Deadliest/dp/0393345416 Reading this book reminded me a lot of "Into Thin Air" by Jon Krakauer. It is...
by lthenderson
Wed Feb 07, 2018 9:26 am
Forum: Personal Consumer Issues
Topic: House renovation financing
Replies: 17
Views: 1199

Re: House renovation financing

hightower wrote:
Wed Feb 07, 2018 7:47 am
Using a mortgage to refinance with cash out or a HELOC is a very easy, safe way to finance large home renovation projects.
Unless a housing bubble collapses and/or they lose their job and can't make payments. Happened to lots of people a decade ago including a few that I know.
by lthenderson
Wed Feb 07, 2018 9:08 am
Forum: Personal Consumer Issues
Topic: what to do with patent plaques and other work awards?
Replies: 45
Views: 2764

Re: what to do with patent plaques and other work awards?

I take a picture of them and trashed all the certificates. For the plaques, I sold them to a local trophy shop that buys them and either grinds down the brass and reuse it or puts new brass on them and then resells them, probably to other companies wishing to give out employee awards. I think I got ...
by lthenderson
Tue Feb 06, 2018 12:33 pm
Forum: Personal Consumer Issues
Topic: Amazon Alternative
Replies: 59
Views: 5762

Re: Amazon Alternative

darrvao777 wrote:
Tue Feb 06, 2018 9:03 am
In the midst of a little battle with them currently over missing products during shipment
Is this Amazon or the shipper's fault? If the latter, how does going with someone else prevent that problem from happening again?