Search found 2384 matches

by lthenderson
Fri Nov 17, 2017 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Christmas Vacation on a budget
Replies: 15
Views: 1316

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: 31
Views: 1258

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: 12
Views: 995

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: 50
Views: 2535

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 Finance (Not Investing)
Topic: Upgrading a flight - what are your rules?
Replies: 34
Views: 2887

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: 24
Views: 2407

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: 466

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 Finance (Not Investing)
Topic: Upgrading a flight - what are your rules?
Replies: 34
Views: 2887

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: 94
Views: 6143

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: 1420

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: 1691

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: 526

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: 2318

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: 556

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: 2433

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: 526

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: 1273

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: 677

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: 232

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: 1975

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: 483

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: 699

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: 3812

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: 3556

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: 2402

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: 2750

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: 3134

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: 819

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: 2914

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: 2402

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: 1324

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: 2082

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: 1138

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: 1287

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 ...
by lthenderson
Fri Nov 03, 2017 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Should I decline Grand Prize trip because of taxes on winnings?
Replies: 87
Views: 7069

Re: Should I decline Grand Prize trip because of taxes on winnings?

For $4000, I could think of a lot of other places I would rather go or do than to take this trip. Some have said to take it because it is a "once in a lifetime" opportunity. But my question is what are you going to do when that opportunity is over? Tell a few interested friends about the experience ...
by lthenderson
Fri Nov 03, 2017 8:11 am
Forum: Personal Consumer Issues
Topic: Costco kitchen Cabinets and design service....
Replies: 9
Views: 2072

Re: Costco kitchen Cabinets and design service....

I can't remember if it was this forum or another I frequent but someone earlier this year bought cabinets from Costco and had them installed. However the ceiling/walls weren't level or plumb and they ended up having large ugly gaps showing. After investigating it further, they found out they should ...
by lthenderson
Fri Nov 03, 2017 8:00 am
Forum: Personal Consumer Issues
Topic: Help me understand the Used Car Dealership perspective
Replies: 29
Views: 3356

Re: Help me understand the Used Car Dealership perspective

I was hoping there were some magic lingo I could use to help them see the error in their logic. No magic lingo but I have in the past written down my offer and told them to give me a call when they were serious about selling that particular vehicle. I eventually received calls on most of the ones I...
by lthenderson
Thu Nov 02, 2017 10:45 am
Forum: Personal Consumer Issues
Topic: Cellphone Battery
Replies: 14
Views: 1287

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.
by lthenderson
Thu Nov 02, 2017 10:25 am
Forum: Personal Consumer Issues
Topic: Use Time Warner for home phone vs ATT
Replies: 9
Views: 764

Re: Use Time Warner for home phone vs ATT

Ours is bundled with internet through a cable provider. Where I live in rural America, the only option if you stream movies is through the cable company. The other options all have speed issues. To handle the price issue, I switch to a dish television service every two years. When I switch back to t...
by lthenderson
Thu Nov 02, 2017 10:20 am
Forum: Personal Consumer Issues
Topic: Spam calls to cell phone...
Replies: 87
Views: 6024

Re: Spam calls to cell phone...

I just block them using the cell phone software. I went through a rash of them here in early summer and then I haven't had one in months. Like others said, if the name isn't in my contact list so that is shows up, I always let it go to voicemail. If they don't leave a message, then it probably wasn'...
by lthenderson
Thu Nov 02, 2017 10:16 am
Forum: Personal Consumer Issues
Topic: Do you Mow your own Lawn?
Replies: 90
Views: 2827

Re: Do you Mow your own Lawn?

I used to mow mine until I bought a place on two acres with 60 feet of elevation difference between the middle and the edges. The push mower I had would take me all day to mow the lawn. I started price shopping mowers capable of mowing this much lawn on that much slope and quickly realized that for ...
by lthenderson
Wed Nov 01, 2017 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Invalid airline ticket, seeking reimbursement
Replies: 36
Views: 2943

Re: Invalid airline ticket, seeking reimbursement

If it were $100 or so, I'd give up now and move on. But for $3,000, I'm willing to push some more. I'm assuming you were reimbursed by Expedia for the flight on airline 2 that never happened. So this isn't about $3000. This is about the difference in the refund and the $3000 which is probably a muc...
by lthenderson
Wed Nov 01, 2017 9:08 am
Forum: Personal Finance (Not Investing)
Topic: I'm fairly young but done with saving money
Replies: 75
Views: 9345

Re: I'm fairly young but done with saving money

1. First option is to switch to a less stressful job that pays half of my current salary and I can basically spend my entire salary every month. I will still be able to retire in 15 years. 2. Second option is to keep doing what I'm doing, and either retire much earlier than expected, or just contin...
by lthenderson
Wed Nov 01, 2017 8:49 am
Forum: Personal Consumer Issues
Topic: Electric fireplace
Replies: 13
Views: 1068

Re: Electric fireplace

Seems to me it would be much cheaper to just put a video of a fireplace on your television than to invest in an expensive piece of metal and plastic that produces a terrible replica of the real thing while sucking more money from your wallet.
by lthenderson
Wed Nov 01, 2017 8:45 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 378
Views: 24867

Re: Iphone X is $1000

I love their phones and my wife has an ipad but we don't have any other Apple products in our home. We still prefer to use PCs.
by lthenderson
Wed Nov 01, 2017 8:40 am
Forum: Personal Consumer Issues
Topic: Honda Care Extended Warranty experience?
Replies: 46
Views: 20989

Re: Honda Care Extended Warranty experience?

I've owned or still own three Hondas; 98 Civic, 01 CR-V and 07 Odyssey. None of them ever had something occur in the first 7 years or 100k miles that wasn't covered under a recall. The 01 CR-V turned out to be a real piece of junk but those problems didn't start occurring until around 140k miles and...
by lthenderson
Wed Nov 01, 2017 8:32 am
Forum: Personal Consumer Issues
Topic: House damaged by tree, next steps?
Replies: 8
Views: 982

Re: House damaged by tree, next steps?

Whenever I have a claim, the first person I always call is the man who handles my insurance policy. Since he sells this insurance as a living and deals with others in similar situations, he is always full of lots of great advice on how to proceed, what I can claim or can't, etc. It's in his interest...
by lthenderson
Wed Nov 01, 2017 8:25 am
Forum: Personal Consumer Issues
Topic: Replace or Repair Car and Replacement Options
Replies: 15
Views: 1137

Re: Replace or Repair Car and Replacement Options

Since it's been paid off for years.... I don't want to have a car payment again. Once a car has been paid off, you should continue making those payments to yourself until you save up enough money for the next car so you don't have to worry about payments again. I agree with the Civic Coupe suggesti...
by lthenderson
Tue Oct 31, 2017 9:19 am
Forum: Personal Finance (Not Investing)
Topic: House - leaking chimney - thoughts?
Replies: 24
Views: 1089

Re: House - leaking chimney - thoughts?

benevo wrote:
Tue Oct 31, 2017 9:14 am
what about the worry of mold forming? Should I just make sure there's a dehumidifier running there, perhaps?
Mold forms due to a continual moist environment. If you let the area dry out, there should be no need to worry about mold.
by lthenderson
Tue Oct 31, 2017 9:17 am
Forum: Personal Finance (Not Investing)
Topic: House - leaking chimney - thoughts?
Replies: 24
Views: 1089

Re: House - leaking chimney - thoughts?

We in the northeast just had a pretty heavy day of rain on Sunday... My guess is that you suffered from wind blown rain getting down inside the chimney. Water trickles down through the inside of the chimney until if finds a crack through the brickwork well below the roof level to filter into your h...