Search found 3568 matches

by lthenderson
Thu Jan 17, 2019 3:46 pm
Forum: Personal Consumer Issues
Topic: Is My Iphone Now a Brick?
Replies: 8
Views: 1463

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: 8
Views: 1463

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: 8
Views: 1463

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: 1160

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: 2896

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: 3521
Views: 1033696

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: 5369

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: 833

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: 1286

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: 734

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: 688

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: 833

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: 1071

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: 3682

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: 891

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: 56
Views: 6588

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: 28
Views: 1500

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: 2274

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: 1600

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: 13841

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: 917

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: 5594

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: 6062

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: 1386

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: 1951

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: 2609

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: 1309

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: 3303

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: 1522

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: 2955

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: 1367

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: 3521
Views: 1033696

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...
by lthenderson
Fri Dec 07, 2018 8:48 am
Forum: Personal Consumer Issues
Topic: Travel now & work a bit longer, OR the other way around?
Replies: 38
Views: 2993

Re: Travel now & work a bit longer, OR the other way around?

just Galapagos, Safari, Katmai, etc. They seem almost as expensive :) I'm all for travel now too but unless you were considering a back-country backpacking at Katmai, all three of the trips you listed are really geared towards those who don't need to be physically in shape, i.e. they would be well ...
by lthenderson
Thu Dec 06, 2018 9:04 am
Forum: Personal Consumer Issues
Topic: Alternatives to TIVO
Replies: 25
Views: 15499

Re: Alternatives to TIVO

I do need a DVR like service. TIVO looks great but monthly charges can easily add up. If I try to replace what I have currently I am looking at purchaing Tivo Romeo and 3 Tivo mini plus monthly fees. I have a Tivo Romeo through my cable service and just three days ago, they replaced it for the seco...
by lthenderson
Thu Dec 06, 2018 8:56 am
Forum: Personal Consumer Issues
Topic: Need hotel near LAX
Replies: 15
Views: 1386

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
Thu Dec 06, 2018 8:53 am
Forum: Personal Consumer Issues
Topic: Recommend dish drainer (rack)
Replies: 41
Views: 2289

Re: Recommend dish drainer (rack)

We replaced our old and permanently stained plastic one a couple months back with this one:

https://www.amazon.com/gp/product/B00TYTINWK

It has worked well thus far and I liked its design.
by lthenderson
Mon Dec 03, 2018 1:41 pm
Forum: Personal Consumer Issues
Topic: Quality Kitchen Faucet Recommendations?
Replies: 36
Views: 2861

Re: Quality Kitchen Faucet Recommendations?

Your recommendations and thoughts would be appreciated. Rather than brand suggestions, I would advice you to find a dedicated plumbing supply company and skip buying them at big box stores. Moen and Delta both make cheap faucets that they sell exclusively to big box stores. I'm not saying you can't...
by lthenderson
Mon Dec 03, 2018 1:32 pm
Forum: Personal Consumer Issues
Topic: First Triathlon. What bike to buy?
Replies: 34
Views: 1884

Re: First Triathlon. What bike to buy?

What should she do? Train on her hybrid and rent a good bike for race weekend? Buy an inexpensive triathlon bike or road bike? Buy a good road or triathlon bike from the start? Can you help? Thanks! gasdoc My advice for such a thing would be to buy a used triathlon bike online from someone who is u...
by lthenderson
Fri Nov 30, 2018 4:31 pm
Forum: Personal Consumer Issues
Topic: Best way to get housing suggestions?
Replies: 8
Views: 527

Re: Best way to get housing suggestions?

I don't think a realtor would want to look for someone who is not motivated to buy for 5+ years unless the perfect house came along so I figure there has to be a way online to do it. I don't want to be emailed every single three bedroom house that otherwise does not match what we want for the next ...
by lthenderson
Fri Nov 30, 2018 1:25 pm
Forum: Personal Consumer Issues
Topic: Cremation seminar – with complimentary lunch
Replies: 86
Views: 6452

Re: Cremation seminar – with complimentary lunch

Just looked it up, and MIL's funeral home cremation cost $2713. That included Pickup of the body from our home where she died Temporary storage Delivery to cremation facility Cremation Urn Newspaper obituaries Death certificates Just had my mother cremated at the beginning of this week. All in it c...
by lthenderson
Fri Nov 30, 2018 10:55 am
Forum: Personal Consumer Issues
Topic: favorite reading chair
Replies: 4
Views: 673

Re: favorite reading chair

I'm in the process of building my own Morris Chair with matching ottoman for this very reason.
by lthenderson
Fri Nov 30, 2018 10:54 am
Forum: Personal Consumer Issues
Topic: How do Bogleheads justify taking vacation?
Replies: 102
Views: 4621

Re: How do Bogleheads justify taking vacation?

So can Bogleheads and financially prudent people explain to me... WHY do you take vacation? Are you not upset over wasting so much time and money? Vacations aren't all about spending money or going to a destination. I know plenty of people who just unplug the phone, pick up a good book and spend a ...
by lthenderson
Fri Nov 30, 2018 10:43 am
Forum: Personal Consumer Issues
Topic: Vacation ideas for this January
Replies: 14
Views: 935

Re: Vacation ideas for this January

We used to spend this time down on the gulf coast around spring break locations. It isn't crowded at this time of the year and a lot of the attractions are still open so plenty to see and do. Rental rates for beach side houses via VRBO were always pretty reasonable too. Although not a runner, always...
by lthenderson
Thu Nov 29, 2018 9:30 am
Forum: Personal Consumer Issues
Topic: Remodeling - tipping?
Replies: 56
Views: 2875

Re: Remodeling - tipping?

Count me in to the thinking tipping isn't appropriate in this situation. However, I am one who regularly gives drinks and food to any contractors doing work for me while they are doing the work.