Search found 2400 matches

by lthenderson
Wed Nov 22, 2017 2:47 pm
Forum: Personal Consumer Issues
Topic: Help:w holiday gift: Tv or cheap laptop to watch movies with these requirements
Replies: 13
Views: 419

Re: Help:w holiday gift: Tv or cheap laptop to watch movies with these requirements

Most smart TV's these days connect to your wireless system and can stream movies from all those places without the need of ports to plug "sticks" in or wired connections.
by lthenderson
Wed Nov 22, 2017 2:45 pm
Forum: Personal Consumer Issues
Topic: How difficult and expensive to add a new bathroom?
Replies: 26
Views: 1197

Re: How difficult and expensive to add a new bathroom?

Could someone please share an actual number for any scenario of their choice? This fall we got a $90k quote for adding 140 sq ft bumpout to our kitchen for a pantry and to expand our kitchen area slightly. It didn't include any cabinetry, countertops or appliances. We live in a very LCOL area and d...
by lthenderson
Wed Nov 22, 2017 2:42 pm
Forum: Personal Consumer Issues
Topic: Making collegebound Kid Financially Savvy Questions..
Replies: 25
Views: 1079

Re: Making collegebound Kid Financially Savvy Questions..

(She isn't the 'saver' kind unlike my son). She started tapping into her long-term savings account for frivolous spending like Boba Tea and Bagels. :( She has been consistently using her allowances, saving for future and managing day to day expenses for past 4 years. These seem like contradictory s...
by lthenderson
Wed Nov 22, 2017 2:20 pm
Forum: Personal Consumer Issues
Topic: How difficult and expensive to add a new bathroom?
Replies: 26
Views: 1197

Re: How difficult and expensive to add a new bathroom?

Could someone please share an actual number for any scenario of their choice? This fall we got a $90k quote for adding 140 sq ft bumpout to our kitchen for a pantry and to expand our kitchen area slightly. It didn't include any cabinetry, countertops or appliances. We live in a very LCOL area and d...
by lthenderson
Wed Nov 22, 2017 2:14 pm
Forum: Personal Consumer Issues
Topic: Making collegebound Kid Financially Savvy Questions..
Replies: 25
Views: 1079

Re: Making collegebound Kid Financially Savvy Questions..

I think the days of teaching your child financial responsibility are long past. I was taught about saving and spending money as a young child clear through high school. My kids have been taught about saving and spending money since they were old enough to know the concept of money. By the time they ...
by lthenderson
Wed Nov 22, 2017 2:00 pm
Forum: Personal Consumer Issues
Topic: How much do you budget for vacation?
Replies: 94
Views: 5360

Re: How much do you budget for vacation?

Toons wrote:
Mon Nov 20, 2017 5:49 pm
"Hundreds" Of Dollars.
+1

We typically vacation away from people and civilization which means there isn't a lot of ways to spend money while on the vacation.
by lthenderson
Wed Nov 22, 2017 1:43 pm
Forum: Personal Consumer Issues
Topic: How difficult and expensive to add a new bathroom?
Replies: 26
Views: 1197

Re: How difficult and expensive to add a new bathroom?

Generally adding a bathroom to a house is a very expensive and difficult proposition. Fitting it into an existing footprint and making it "fit" in is almost impossible without remodeling the entire area. Adding onto a house for just a bathroom will be difficult as the bathroom will be on the perimet...
by lthenderson
Wed Nov 22, 2017 1:37 pm
Forum: Personal Consumer Issues
Topic: Jetted Tub: Maintenance and type
Replies: 8
Views: 756

Re: Jetted Tub: Maintenance and type

Shallowpockets wrote:
Sat Nov 11, 2017 5:08 pm
We have a Coleman inflateable hot tub in our backyard. We use that everyday. It is wonderful,and hardly any upkeep. It cost $300. If it goes bad, well, only $300.
I had no idea such things existed. I know what I'm asking Santa for this year!
by lthenderson
Wed Nov 22, 2017 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Any need for professional tax preparer?
Replies: 10
Views: 609

Re: Any need for professional tax preparer?

In my experience, accountants are less helpful at tax planning than the advice here at bogleheads. +1 Although the vast majority of my investments are self directed, I do have a small amount with a financial adviser. One of the reasons I have not transferred the small amount to my self directed acc...
by lthenderson
Wed Nov 22, 2017 1:12 pm
Forum: Personal Consumer Issues
Topic: Public or Montessori Private School
Replies: 34
Views: 1731

Re: Public or Montessori Private School

For out daughters it wasn't even a question of which to choose. The private school ranks as one of the top schools in the state and the public school in the lower half of all schools. The private school had only an average of ten kids per grade where the public school 25. The private school teaches ...
by lthenderson
Wed Nov 22, 2017 9:03 am
Forum: Personal Consumer Issues
Topic: Beware Amazon Price Gouging
Replies: 48
Views: 5219

Re: Beware Amazon Price Gouging

Everywhere I go changes prices almost daily from the grocery store to the gas station. That doesn't mean they are price gouging. Personally I really don't see the fascination with watching changing prices on online sites. If I need something I buy it at the current price and be done with it. My time...
by lthenderson
Wed Nov 22, 2017 8:51 am
Forum: Personal Consumer Issues
Topic: Best Basic DESKTOP?
Replies: 36
Views: 1874

Re: Best Basic DESKTOP?

I've always been happy with Gateway or Dell desktop computers. However, when buying one, I usually get the models geared towards "Work" versus for "Home" use. The work ones tend to be more reliable than the ones for home use and don't come all bloated with stuff I don't need.
by lthenderson
Tue Nov 21, 2017 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: Help DW gets fired, but then next day her boss offers her job back
Replies: 135
Views: 6966

Re: Help DW gets fired, but then next day her boss offers her job back

Normally I would say put the screws to the boss and demand more pay or something to offset the pay cut like more paid time off. But since you are $600/month upside down if she loses the job, I would probably go back to work for the pay cut and find another job asap. I would also be inclined to leave...
by lthenderson
Tue Nov 21, 2017 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: where should I put my direct deposit?
Replies: 21
Views: 1703

Re: where should I put my direct deposit?

I put all direct deposits into my checking account which also serves as my emergency fund. When I reach predetermined levels, I transfer to other accounts as needed. By doubling my checking account with emergency fund, I never worry about bouncing checks either. Always having a certain level of mone...
by lthenderson
Tue Nov 21, 2017 8:42 pm
Forum: Personal Consumer Issues
Topic: Tipping contractors?
Replies: 15
Views: 1115

Re: Tipping contractors?

I buy the occasional beverages or snacks while on the job but on the final day, I thank them, ask for a card and tell them I'll pass the word around the neighborhood. Just yesterday in the grocery store, I ran into an electrical guy who helps me out when I'm in over my head. I've passed his name ont...
by lthenderson
Tue Nov 21, 2017 9:41 am
Forum: Personal Consumer Issues
Topic: Whole House Surge Protector still works with breaker off?
Replies: 30
Views: 1507

Re: Whole House Surge Protector still works with breaker off?

Surge protectors work by funneling off excess electricity from the hot wire to the ground wire. It essentially doesn't fail and stop working but instead gets to the point where it can't funnel off those surges to the ground wire effectively anymore and hence the reason for the light. I would at leas...
by lthenderson
Fri Nov 17, 2017 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Christmas Vacation on a budget
Replies: 16
Views: 1695

Re: Christmas Vacation on a budget

For the last seven or eight years, we've been driving down to the gulf coast and renting a beach side house for the week between Christmas and New Years. The price has always been cheap since the water is considered too cold to swim but there never are any crowds.
by lthenderson
Fri Nov 17, 2017 9:30 am
Forum: Personal Consumer Issues
Topic: Renting a car from Atlanta GA to Austin TX: $$$
Replies: 33
Views: 1605

Re: Renting a car from Atlanta GA to Austin TX: $$$

An alternative method that I have used twice before over the years is to buy a used car when I'm ready to return home and then sell it upon my return. There is an element of risk to it buying an unknown vehicle for a long journey but both times I've gotten all my money back minus gas money.
by lthenderson
Fri Nov 17, 2017 9:24 am
Forum: Personal Consumer Issues
Topic: Where to buy new iPhone?
Replies: 19
Views: 1852

Re: Where to buy new iPhone?

I just got an iPhone 8 Plus at an Apple store and paid in full for it. I moved my Verizon SIM into the new iPhone and it worked. A Verizon store will sell you one with 24 monthly payments and no interest (provided you continue service with them), but they also charge an "upgrade fee" of $30.00. I g...
by lthenderson
Fri Nov 17, 2017 9:15 am
Forum: Personal Consumer Issues
Topic: My dad's army jacket
Replies: 69
Views: 4418

Re: My dad's army jacket

I'm not a vet but if that were mine, I probably would only wear it in the privacy of my home. I would also keep all pins and patches on it intact.
by lthenderson
Fri Nov 17, 2017 9:08 am
Forum: Personal Consumer Issues
Topic: Upgrading a flight - what are your rules?
Replies: 40
Views: 3578

Re: Upgrading a flight - what are your rules?

My rule of thumb is asking myself what I could do with the cost of the upgrade when I arrive at my destination and if that is worth more to me than a few hours of discomfort. $1000 in Hawaii could make a lot of memories for a family. I've seen a few posters make similar statements. Are you saying t...
by lthenderson
Thu Nov 16, 2017 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Pile of Cash - What to do
Replies: 25
Views: 2868

Re: Pile of Cash - What to do

If you are concerned about the market, dollar cost average it into the market over the next twelve months.
by lthenderson
Thu Nov 16, 2017 10:25 am
Forum: Personal Consumer Issues
Topic: buying a tux - any experience with Indichino?
Replies: 7
Views: 499

Re: buying a tux - any experience with Indichino?

I bought my tux off the rack at J.C. Penny about ten years ago and wear it about the same number of times per year. It has held up very well and shows no signs of wear yet. Note that I only get it dry cleaned and never run it through the washer and dryer.
by lthenderson
Thu Nov 16, 2017 10:09 am
Forum: Personal Consumer Issues
Topic: Upgrading a flight - what are your rules?
Replies: 40
Views: 3578

Re: Upgrading a flight - what are your rules?

My rule of thumb is asking myself what I could do with the cost of the upgrade when I arrive at my destination and if that is worth more to me than a few hours of discomfort. $1000 in Hawaii could make a lot of memories for a family.
by lthenderson
Wed Nov 15, 2017 2:36 pm
Forum: Personal Consumer Issues
Topic: Has used furniture dropped in value dramatically?
Replies: 108
Views: 8141

Re: Has used furniture dropped in value dramatically?

I love attending auctions and so I've seen the trend with furniture. Furniture purchased in the 1930's onward is not worth a lot of money anymore. There are still antique furniture worth quite a bit of money but it is from the 1800's and those pieces don't come up to auction very often. They tend to...
by lthenderson
Wed Nov 15, 2017 10:27 am
Forum: Personal Consumer Issues
Topic: How do you stop junk mail?
Replies: 29
Views: 1507

Re: How do you stop junk mail?

I have had good luck calling the toll-free number in the catalogue and asking to be removed from the mailing list. I also ask them not to sell or trade my number. Same thing works with charitable organizations. I sit down and do this a couple times a year and it always dramatically reduces the amou...
by lthenderson
Wed Nov 15, 2017 10:23 am
Forum: Personal Consumer Issues
Topic: Honda Accord Hybrid EX-L- great deal or not?
Replies: 26
Views: 1788

Re: Honda Accord Hybrid EX-L- great deal or not?

I have yet to start checking other dealers' out-the-door pricing by email and pitting them against each other but I intend to do so. Good luck, the chances of any other dealers around that have 2017 Honda Hybrid Accord EX-L on the lot to give you a competitive bid are slim to none. Most likely they...
by lthenderson
Tue Nov 14, 2017 4:40 pm
Forum: Personal Consumer Issues
Topic: What laptop with my usage?
Replies: 16
Views: 644

Re: What laptop with my usage?

Chromebook Was wondering about this. But for some reason, I have this idea that they are kind of 'cheap'. They aren't anymore cheaply made than a regular laptop. They essentially use the same quality of components. The difference and why they are priced much cheaper is that they don't need hard dri...
by lthenderson
Tue Nov 14, 2017 4:36 pm
Forum: Personal Consumer Issues
Topic: Better way to get rid of old fridge?
Replies: 38
Views: 2464

Re: Better way to get rid of old fridge?

Considering I would pay someone more than $20 to move my fridge out of the house, paying someone else $15 seems like a steal.
by lthenderson
Tue Nov 14, 2017 4:34 pm
Forum: Personal Consumer Issues
Topic: Home voice dictation experience
Replies: 8
Views: 648

Re: Home voice dictation experience

My wife uses a Dragon for her work in the medical profession. Once she got her dragon trained, it has worked quite well.
by lthenderson
Tue Nov 14, 2017 4:31 pm
Forum: Personal Consumer Issues
Topic: Best way to sell house contents
Replies: 19
Views: 2545

Re: Best way to sell house contents

I don't know if this is a regional thing but around here, everyone holds an auction. It gets published in the newspaper for about a month in advance, hundreds show up and big on everything. Prices are almost always higher than what you could get at a garage sale since you have higher turnout but a b...
by lthenderson
Tue Nov 14, 2017 4:27 pm
Forum: Personal Consumer Issues
Topic: What laptop with my usage?
Replies: 16
Views: 644

Re: What laptop with my usage?

Chromebook
by lthenderson
Tue Nov 14, 2017 11:18 am
Forum: Personal Finance (Not Investing)
Topic: hellstrip- who's responsible for an accident
Replies: 9
Views: 1374

Re: hellstrip- who's responsible for an accident

In the towns I'm familiar with, the city has an easement on the area between the sidewalk (actually further beyond that into your yard) to the street. This allows them to do maintenance on underground utilities there. However, the owner is responsible for all maintenance and liability of that area. ...
by lthenderson
Tue Nov 14, 2017 11:07 am
Forum: Personal Consumer Issues
Topic: Buying a new smartphone as a surprise gift
Replies: 8
Views: 776

Re: Buying a new smartphone as a surprise gift

I've done this before on phones that we give my mother-in-law. If you log into MyVerizon, they have a link that directs you how to port your number and account information to your new phone. Besides typing in information, it requires you to pick/update your plan (since you are going to a smart phone...
by lthenderson
Tue Nov 14, 2017 11:03 am
Forum: Personal Consumer Issues
Topic: Techies Please Help .....Making Video with iPhone 7
Replies: 2
Views: 248

Re: Techies Please Help .....Making Video with iPhone 7

I do it all the time using Windows Movie Maker that comes preinstalled on my PC from the factory. I wouldn't want to do it on my phone just because of the horsepower it takes to do a decent job. Just eliminating shaking of the video can sometimes take an hour on my PC using the Movie Maker software.
by lthenderson
Tue Nov 14, 2017 10:59 am
Forum: Personal Consumer Issues
Topic: Creating External Exhaust for Microwave over Range - Need Reality Check
Replies: 26
Views: 2059

Re: Creating External Exhaust for Microwave over Range - Need Reality Check

1. Can you set up an exhaust line this way (ie straight out the back of the microwave, or up into the upper cabinet and then straight out the back of the house)? 2. Will it negatively affect my patio? E.g., will I eventually build up a grease stain on the pavers or something? Or would it mess up my...
by lthenderson
Wed Nov 08, 2017 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Do hospitals provide maternity package?
Replies: 6
Views: 490

Re: Do hospitals provide maternity package?

For both our kids, the hospital gave us a discount if we paid our entire deductible up front. I can't remember anymore but I think the discount was for using pediatrician services for the first year after the birth. After we wrote the check for the deductible, everything afterwards until we were dis...
by lthenderson
Wed Nov 08, 2017 2:00 pm
Forum: Personal Consumer Issues
Topic: Pricing a home addition
Replies: 7
Views: 709

Re: Pricing a home addition

I find being as specific as possible in your desires and leaving nothing up to the contractor gives you the best quotes. This often means I end up having to do a lot of homework to figure out exactly what light fixtures, surface finishings, I want down to the brand and model. Anytime I have not been...
by lthenderson
Wed Nov 08, 2017 1:53 pm
Forum: Personal Consumer Issues
Topic: Coffee
Replies: 51
Views: 3859

Re: Coffee

Traffic growth for large chains is growing, while declining for small chains and independent operators. Large chains have begun to acquire smaller. I would guess this is largely an urban phenomenon. Out here in rural America where the nearest Starbucks is 100 miles down the road, I can think of a d...
by lthenderson
Wed Nov 08, 2017 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Did we make it to "The 2 Comma Club"? Maybe not?
Replies: 21
Views: 3598

Re: Did we make it to "The 2 Comma Club"? Maybe not?

I'll be honest..I don't understand threads like this. Not sure what the point is. I knew someone that included insurance policys... In my mind, you have to live somewhere and drive something..so home-RE & autos is/are out of any asset summary. Including insurance is comical. Two comma(IMO) starts a...
by lthenderson
Wed Nov 08, 2017 9:51 am
Forum: Personal Consumer Issues
Topic: My Dad's slides
Replies: 21
Views: 2421

Re: My Dad's slides

I contemplated scanning the photos myself and even bought a small device to do so. After scanning a dozen, I realized I just don't want to do it. Too many slides, too little time for everything else in my life. My sister and my children may be slightly interested in looking through these images; bu...
by lthenderson
Wed Nov 08, 2017 9:24 am
Forum: Personal Consumer Issues
Topic: DIY vs work extra and pay a pro
Replies: 37
Views: 2786

Re: DIY vs work extra and pay a pro

For me its never been about the money. I can afford to hire it out and perhaps many times it might have been cheaper in the long run to do so by the time I got it done and sometimes redone correctly. For me, it is about the satisfaction of doing it myself, it is about knowing that I can't blame anyo...
by lthenderson
Tue Nov 07, 2017 12:30 pm
Forum: Personal Consumer Issues
Topic: Heavy duty cordless drill/hammerdrill recommendation
Replies: 42
Views: 3149

Re: Heavy duty cordless drill/hammerdrill recommendation

From what I read an impact driver may not be strong enough for what I need, which is primarily to take the blades off a riding mower deck. For lug nuts I think one would do. The recip saw is to take apart small trees and limbs and general household tasks, no house reno or demo going on here. I plan...
by lthenderson
Tue Nov 07, 2017 12:16 pm
Forum: Personal Consumer Issues
Topic: Does Our Chimney Need a Liner?
Replies: 8
Views: 834

Re: Does Our Chimney Need a Liner?

I would definitely have a liner in the chimney. The liner itself is cheap and easy to install. Really the cost for doing this and the difficulty is in the connection at the base of your chimney. If you have a wood stove, as in a separate unit from the fireplace, the connection can be made very easil...
by lthenderson
Tue Nov 07, 2017 12:10 pm
Forum: Personal Consumer Issues
Topic: Fair Price for a Kitchen Remodel
Replies: 34
Views: 2934

Re: Fair Price for a Kitchen Remodel

We just got a quote for a 200 sqft addition to our house (next to the kitchen) and a complete kitchen remodel, flooring, cabinets, new appliances, countertops, new pantry and new entryway, etc including plumbing, electrical and HVAC work for $100,000. We live in the rural midwest. We thought that ve...
by lthenderson
Tue Nov 07, 2017 12:01 pm
Forum: Personal Consumer Issues
Topic: My Dad's slides
Replies: 21
Views: 2421

Re: My Dad's slides

I'm upwards of around 50,000 slides scanned thus far. Honestly for 1300, I would just do it myself. You can get a combo slide/digital scanner that can scan 4 or 5 slides at a time for $60 to $80. I didn't and still don't have the time to sit down and scan for hours on end so I just made a habit of w...
by lthenderson
Tue Nov 07, 2017 11:54 am
Forum: Personal Consumer Issues
Topic: PayPal Mastercard decline due to freeze
Replies: 20
Views: 1345

Re: PayPal Mastercard decline due to freeze

The last time I applied for a card, I think a year ago, I applied and got a letter rejecting me due to the credit freeze. The letter had a number on it to call in case I wanted to dispute the rejection so I unfroze my credit, called the number on the letter and the card was approved in less than fiv...
by lthenderson
Mon Nov 06, 2017 7:35 pm
Forum: Personal Consumer Issues
Topic: Climate controlled cars - Useful or Useless?
Replies: 49
Views: 2110

Re: Climate controlled cars - Useful or Useless?

Two of my three vehicles have climate control in them, one with dual zones and the minivan with three zones. I love setting them and forgetting them. No more constantly messing with nobs to get the perfect temperature. The car achieves the correct temperature within minutes of starting up and stays ...
by lthenderson
Mon Nov 06, 2017 9:30 am
Forum: Personal Consumer Issues
Topic: tips to build good savings habits
Replies: 7
Views: 1156

Re: tips to build good savings habits

I always funded my retirement first and automatically so that the money never entered my checking account. I funded our kids college education next and treated it as an annual bill. All other big tickets items such as vehicles, house down payments, etc. were just added to our emergency fund as requi...
by lthenderson
Mon Nov 06, 2017 9:13 am
Forum: Personal Consumer Issues
Topic: Cellphone Battery
Replies: 14
Views: 1309

Re: Cellphone Battery

A lot of times I have found that if the battery suddenly went dead and refused to charge, the problem was the charging port, not the battery. This. It might not apply to you since this phone probably doesn't spend much time in a pocket but check the charging port on the phone for lint. Both my son ...