Search found 953 matches

by whomever
Tue Sep 29, 2020 6:29 pm
Forum: Personal Consumer Issues
Topic: Oil change disaster
Replies: 54
Views: 5597

Re: Oil change disaster

"Frankly, no shop that has ASE mechanics working(dealers included) are going to put them on an oil change. I took my car to a very high regarded Toyota mechanic and he had a minimum wager doing oil changes" Not just oil changes. Long anecdote: I'm mostly a DIY type. I bought the factory (not Chilton...
by whomever
Sun Sep 27, 2020 5:33 am
Forum: Personal Consumer Issues
Topic: Oil change disaster
Replies: 54
Views: 5597

Re: Oil change disaster

"If the cap was off, not that big a deal. " This sentiment has been posted a couple of times, and I don't think it's accurate. The engine needs oil. It doesn't care why the oil is missing, only that it is. If the engine design and number of miles driven let enough oil escape a missing cap that the e...
by whomever
Thu Sep 17, 2020 3:24 pm
Forum: Personal Consumer Issues
Topic: A primer on backup battery systems for power outages
Replies: 150
Views: 8394

Re: A primer on backup battery systems for power outages

"my understanding is that it's not a good idea to recharge a nickel metal hydride battery like the popular Eneloops in faster than about five hours as doing so reduces their lifespan." I recently got interested in eneloop charging efficiency, because we sometimes take long (as in a few months) car/b...
by whomever
Tue Sep 15, 2020 6:03 pm
Forum: Personal Consumer Issues
Topic: Coping with Wildfire smoke
Replies: 111
Views: 6789

Re: Coping with Wildfire smoke

"Would you mind sharing a little more what it looked like? Was the sky unusually colored? Could you actively see large amounts of smoke? Fire in the distance? Was breathing outside noticeably different? Thanks" When we were pushing 500, visibility was 400 yds, and my nose watered/eyes itched if I wa...
by whomever
Sun Sep 13, 2020 12:26 pm
Forum: Personal Consumer Issues
Topic: [Question regarding password security]
Replies: 101
Views: 3228

Re: Security question on one's passwords

One thing I haven't seen mentioned: if you are dealing with financial institutions where you are potentially exposed to large losses, you probably want to keep in mind that many of them publish guidelines along the lines of 'you will be reimbursed for fraudulent transactions if you have followed the...
by whomever
Fri Sep 11, 2020 5:28 pm
Forum: Personal Consumer Issues
Topic: Neccesities for a Man Cave
Replies: 51
Views: 3458

Re: Neccesities for a Man Cave

Milling machine, lathe, welder, and workbench.
by whomever
Thu Sep 10, 2020 5:00 am
Forum: Personal Consumer Issues
Topic: Brother printer 'trips' my battery backups
Replies: 47
Views: 2529

Re: Brother printer 'trips' my battery backups

"It all depends on the nature of your electrical panel setup. For example, do you have 20amp circuits or 15amp circuits? If you have 20amp circuits, you won't see as many issues with a large power draw as those with a 15amp circuit. Now, if the OP has a 20amp circuit, but a 15amp outlet on that circ...
by whomever
Tue Sep 08, 2020 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: Should I do family loan?
Replies: 38
Views: 2860

Re: Should I do family loan?

"I can't go into personal relationships here, but these sorts of business deals between family members can be hugely harmful, particularly if there is more than 1 sibling. And how is it resolved in the estate of the lender?" In our case, there was more than one sibling. As it were, both of us got si...
by whomever
Tue Sep 08, 2020 7:59 pm
Forum: Personal Consumer Issues
Topic: What do you guys think of oil extractors?
Replies: 67
Views: 2979

Re: What do you guys think of oil extractors?

"That is incredible!
What kinds of cars have oil filters removeable from the top?"

2018 F150.

To make up for it, to get to the drain plug you have to pull an aerodynamic shield off the bottom :-(.
by whomever
Thu Sep 03, 2020 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Should I do family loan?
Replies: 38
Views: 2860

Re: Should I do family loan?

I'm going to dissent somewhat from the majority. When we bought our first house, our parents loaned us about 60% of the price, and our 'down payment' was the other 40%. At the time, savings were paying maybe 6%, the IRS minimum rate was 8.5, and banks wanted 11% for a mortgage, or something like tha...
by whomever
Wed Sep 02, 2020 9:11 am
Forum: Personal Consumer Issues
Topic: Rainfly or no rainfly in hot and humid weather
Replies: 11
Views: 1083

Re: Rainfly or no rainfly in hot and humid weather

In general, no fly is going to be cooler at night - one less layer blocking the heat from radiating (or convecting) away. And probably the converse in the sun, depending on the details. If this is car camping, +1 on the USB fan. you can run one all night on one of the larger USB powerbanks. One of t...
by whomever
Sun Aug 30, 2020 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: What is TIAA? Investment company? Insurance company? A mix?
Replies: 31
Views: 1920

Re: What is TIAA? Investment company? Insurance company? A mix?

"Question: Do I have to be in the TIAA Traditional Annuity during the accumulation phase to participate in the "insurance component" of TIAA Traditional Annuity during the payout phase? That is, can I invest in something else, e.g. Vanguard funds within TIAA, during the accumulation phase and buy in...
by whomever
Sun Aug 30, 2020 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: What is TIAA? Investment company? Insurance company? A mix?
Replies: 31
Views: 1920

Re: What is TIAA? Investment company? Insurance company? A mix?

" What advantage does TIAA offer over a combination of, say, an investment company (e.g. Vanguard) and an insurance company (e.g. New York Life) to annuitize part of my portfolio if I so choose to?" One difference between TIAA and a traditional for profit annuity company is what happens to the gains...
by whomever
Wed Aug 19, 2020 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a retirement (2nd) home 3-5 years out
Replies: 16
Views: 1125

Re: Buying a retirement (2nd) home 3-5 years out

We did that. It wasn't really deliberate; we started what we thought would be a low key get-to-know-the-market house hunt 3 years before retirement, and happened to see an unusual place we really liked. We lucked out; we bought the retirement place after the 2008 downturn, before prices really start...
by whomever
Wed Aug 19, 2020 6:03 pm
Forum: Personal Consumer Issues
Topic: A primer on backup battery systems for power outages
Replies: 150
Views: 8394

Re: A primer on backup battery systems for power outages

"It seems like the Li-Ion battery packs like the ones linked earlier (jackery, etc) are the equivalent of mainstream e-bikes. They just work. You don't need to know all the ins and outs, just plug it in to use it, keep an eye on the gauge, use a generator (or solar panels) to recharge it as necessar...
by whomever
Tue Aug 18, 2020 8:18 pm
Forum: Personal Consumer Issues
Topic: A primer on backup battery systems for power outages
Replies: 150
Views: 8394

Re: A primer on backup battery systems for power outages

Great writeup! ================= "the newish portable Lithium Ion "solar power station"?" We have the smaller Jackery (240??). They are convenient plug-n-play systems. We use it for extended car camping trips with a 50W solar panel. You don't have to understand anything; you just charge it from the ...
by whomever
Tue Aug 18, 2020 10:14 am
Forum: Personal Consumer Issues
Topic: Should I purchase a whole house generator?
Replies: 321
Views: 15812

Re: Should I purchase a whole house generator?

"Are you following exactly the manufacturer's recommendation? If not, arre you simply lucky that your generator worked when you needed it to? If I did as you did, would I be unlucky and not have the generator work when I need it to?" Exactly? Well, I think someone posted the mfgr maint schedule upth...
by whomever
Thu Aug 13, 2020 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: My kid scratched my neighbor's new car
Replies: 115
Views: 7277

Re: My kid scratched my neighbor's new car

"And when you hand over the check... have your son there (without his bike) and have him say he's sorry. He needs to experience the conclusion. Maybe have your son hand over the check." There was a torrential rainstorm when my bro and I were in 2nd/4th grade or so. For some reason, we decided it was...
by whomever
Sun Aug 09, 2020 9:07 am
Forum: Personal Consumer Issues
Topic: Whole House Generator propane odor
Replies: 9
Views: 806

Re: Whole House Generator propane odor

"The lp guy sprayed the connections outside of the generator with soapy water and did not detect any leaks."

There might be a leak inside the generator, at the carburetor or whatever that engine uses.
by whomever
Sat Aug 01, 2020 7:25 pm
Forum: Investing - Theory, News & General
Topic: Is the fear of actually LIVING through inflation overblown?
Replies: 80
Views: 5435

Re: Is the fear of actually LIVING through inflation overblown?

" you were also getting double digit interest in things like CDs or bonds." 1)That kind of depends on term. If you bought a long term bond or CD paying 5% just before things took off, yes, you took a permanent haircut. 2)I was a young'un, and my money was in a savings account paying the usual 5.5% ....
by whomever
Sat Aug 01, 2020 2:17 pm
Forum: Personal Consumer Issues
Topic: Rechargeable batteries AA AAA etc.
Replies: 36
Views: 2048

Re: Rechargeable batteries AA AAA etc.

"I buy Eneloop with Amazon as the direct seller." +1 on eneloops. With apologies for thread drift, I have heard people say that Amazon doesn't segregate inventory between 'Sold by Amazon' and 'Fulfilled by Amazon', i.e. Amazon could order a bunch of eneloop 4 packs, SKU #123456, direct from Sanyo an...
by whomever
Tue Jul 21, 2020 11:38 am
Forum: Personal Consumer Issues
Topic: cheap, easy, temporary heat blocking stuff for windows?
Replies: 44
Views: 2483

Re: cheap, easy, temporary heat blocking stuff for windows?

+1 on the exterior rollers (or awnings) We have a double set of Costco's (Bali?) honeycomb shades - the triple ones - on most of our windows. Subjectively, they make a huge difference: on a hot day you can raise just the innermost one and feel the blast of heat. The first couple we installed are bla...
by whomever
Mon Jul 20, 2020 10:10 pm
Forum: Personal Consumer Issues
Topic: Apollo 11 (In Real Time)
Replies: 68
Views: 6790

Re: Apollo 11 (In Real Time)

FWIW, BBC did a fantastic series on just the descent to the moon, explaining the drama along the way: https://www.bbc.co.uk/programmes/w13xttx2/episodes/guide And since someone mentioned WWII, these folks are doing a 10ish minute weekly 'news' show of WWII: https://www.youtube.com/playlist?list=PLsI...
by whomever
Fri Jul 17, 2020 5:36 pm
Forum: Personal Investments
Topic: Firecalc says 100% success with 0% stocks
Replies: 37
Views: 4449

Re: Firecalc says 100% success with 0% stocks

Using the OP's original numbers: "The lowest and highest portfolio balance at the end of your retirement was $94,801 to $3,143,504, with an average at the end of $960,228." Changing to 30% stocks: "The lowest and highest portfolio balance at the end of your retirement was $632,667 to $5,258,746, wit...
by whomever
Mon Jun 01, 2020 6:31 am
Forum: Personal Consumer Issues
Topic: Selling a house - should it be staged or left empty?
Replies: 48
Views: 4249

Re: Selling a house - should it be staged or left empty?

1)I agree with 'it depends' 2)It is surely true that smaller rooms look bigger when empty. I've helped clean out tiny claustrophobic houses, and once all the furniture was out I thought 'Wow, this is actually a pretty nice place!'. 3)There is middle ground between completely empty and fully staged. ...
by whomever
Sun May 24, 2020 5:41 am
Forum: Personal Consumer Issues
Topic: Warning: Virginia State Inspection
Replies: 38
Views: 3883

Re: Warning: Virginia State Inspection

There sure doesn't seem like there is much of a relationship between required annual safety inspections and fatality rates. I looked at the 2012 numbers here: https://data.cdc.gov/Motor-Vehicle/Motor-Vehicle-Occupant-Death-Rate-by-Age-and-Gende/rqg5-mkef for some selected states: MA 2.9 Yes WA 3.9 N...
by whomever
Fri May 22, 2020 7:36 am
Forum: Personal Consumer Issues
Topic: ADT security - cost
Replies: 13
Views: 1463

Re: ADT security - cost

"with the goal of getting the setup for 2 years to fulfill the contract and then cancelling service but keeping the equipment." Read the fine print of the actual contract carefully. My memory is that whan we looked at it (years ago) it said that 1)ADT retained ownership of the equipment and 2)could ...
by whomever
Mon May 18, 2020 9:19 pm
Forum: Personal Consumer Issues
Topic: Vault Safe in the attic; welded, anyone ?
Replies: 78
Views: 4244

Re: Vault Safe in the attic; welded, anyone ?

"Unlikely. It would take hours."

What are you planning to use for beams?
by whomever
Mon May 18, 2020 9:18 pm
Forum: Personal Consumer Issues
Topic: Vault Safe in the attic; welded, anyone ?
Replies: 78
Views: 4244

Re: Vault Safe in the attic; welded, anyone ?

1)The normal practice is to use heavy screws or lag bolts to bolt it to the studs/jousts/rafters (with the bolt heads inside the locked box). If you can span a few joists/studs/rafters then a thief has to cut those to remove the safe, all of which takes time. 2)If you do weld in an attic, be veeeeee...
by whomever
Wed May 13, 2020 1:30 pm
Forum: Personal Consumer Issues
Topic: Dentist charges $10 for PPE
Replies: 240
Views: 12300

Re: Dentist charges $10 for PPE

" They are also investing 10s of thousands of dollars in extra equipment to reduce aerosols and air filtration." To me, that's the interesting question to be asking. An N95 mask protects the staff from me, which is all good. But as a patient, I can't wear a mask. And I would expect that if the patie...
by whomever
Tue May 12, 2020 3:28 pm
Forum: Personal Consumer Issues
Topic: Thoughts on Berkey Water Filters
Replies: 20
Views: 1536

Re: Thoughts on Berkey Water Filters

"Many folks believe that Brita filtered water tastes great." My better half insisted that the Brita water tasted better. One day I set up a blind test, with Brita water, tap water, a couple of brands of bottled water, and some random water that had been setting in a nalgene bottle for six months aft...
by whomever
Mon May 11, 2020 4:35 pm
Forum: Personal Consumer Issues
Topic: Percentage of savings to "prepping"?
Replies: 132
Views: 8872

Re: Percentage of savings to "prepping"?

"living paycheck-to-paycheck" I'm not sure that's the predominant factor. I just looked it up, and a person-week's worth of oatmeal[1] is under $10 at Costco. It's a little more at Walmart, but still. That's not to say I had weeks of food stored in my starving student days; I didn't. But it wasn't a...
by whomever
Sun May 10, 2020 8:25 pm
Forum: Personal Investments
Topic: Roth Accounts - Combined or Separated?
Replies: 13
Views: 930

Re: Roth Accounts - Combined or Separated?

Note that the creditor protection rules differ by state:

https://www.assetprotectionplanners.com ... -by-state/

(and FWIW, for my state that chart differs a little from what I recall my attorney saying a few years ago ... YMMV)
by whomever
Fri May 08, 2020 10:28 pm
Forum: Personal Consumer Issues
Topic: Percentage of savings to "prepping"?
Replies: 132
Views: 8872

Re: Percentage of savings to "prepping"?

"It's funny, but what people call "prepping", I call normal shopping." +1 It won't work for people in a dorm room or efficiency apartment, but most suburbanites have room to store quite a bit, and doing so is close to free. For example, olive oil lasts 2 years or so. We go through a Costco bottle ev...
by whomever
Fri May 08, 2020 8:25 pm
Forum: Personal Consumer Issues
Topic: Plunger reccomendation for newer toilets
Replies: 23
Views: 1370

Re: Plunger reccomendation for newer toilets

I recently learned of the 'waste basket method'. You need a smallish bucket (and the name comes from the fact that many bathrooms have a waste basket that works as an improvised bucket). Fill the bucket with water and start pouring a small stream of water right over the downhole in the toilet, then ...
by whomever
Thu May 07, 2020 3:43 pm
Forum: Personal Consumer Issues
Topic: New Brake Pads
Replies: 87
Views: 4292

Re: New Brake Pads

"Aside from allowing a jacked up car to fall on me, are there any other safety issues I should be concerned about in doing this myself " I try and avoid breathing the inevitable brake dust. I usually position the car so the wheels in question are close to the garage door and set a fan a couple of fe...
by whomever
Wed May 06, 2020 11:17 am
Forum: Personal Consumer Issues
Topic: Home brewing recommendations
Replies: 25
Views: 1381

Re: Home brewing recommendations

For the detailed advice/procedures I'd get a book, or there are probably websites. My 2 cents: I brewed for a few years ages ago before the craft beer renaissance arrived. Washing bottles is a huge pain, as is carbonating in the bottle. I ended up getting a soda keg/CO2 setup. The good news there is...
by whomever
Sun May 03, 2020 8:01 pm
Forum: Personal Consumer Issues
Topic: Car rolled backwards in drive. Operator error
Replies: 23
Views: 2666

Re: Car roll-backwards in drive.

" if it drives fine should I not worry? No check engine, no weird noises." I wouldn't expect a munged pawl to turn on the check engine light. I'm guessing that inspecting the pawl would be an expensive job. I would hope for the best and drive it unless trouble surfaced. " I've never even one time ha...
by whomever
Sun May 03, 2020 7:55 pm
Forum: Personal Consumer Issues
Topic: Is it difficult to hang upper cabinets?
Replies: 16
Views: 1171

Re: Is it difficult to hang upper cabinets?

These make it a breeze: https://www.fastcap.com/product/little-hand That's assuming the lower cabinets are in; if not, there is a taller version '3d hand'. You could improvise something similar with a car scissors jack(s). Use the right screws, and make sure you are hitting the studs. I've seen pics...
by whomever
Sat May 02, 2020 6:17 pm
Forum: Personal Consumer Issues
Topic: Neighbor’s contractor wants to access our property
Replies: 158
Views: 17065

Re: Neighbor’s contractor wants to access our property

I'm in the camp that would want (at a minimum): 1)agreement to fully cover any damage to you property, and proof of adequate insurance, any legal costs you incur, including paying your attorney to draft an agreement that protects you. 2)that you could revoke permission at any time for any reason. Th...
by whomever
Mon Apr 20, 2020 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Florida Car Insurance House Guest Driver Question
Replies: 3
Views: 331

Re: Florida Car Insurance House Guest Driver Question

Our policy covers occasional use by others - swapping off driving while on a trip, letting a neighbor borrow the truck to get plywood at the lumberyard, etc. It doesn't cover regular or long term use by people not named in the policy. I'd have to read the policy again to see where the line between t...
by whomever
Fri Apr 17, 2020 7:06 pm
Forum: Personal Consumer Issues
Topic: Runners -Anyone use the old fashion Shoe Goo??
Replies: 30
Views: 1440

Re: Runners -Anyone use the old fashion Shoe Goo??

I use it all the time on not-running shoes and it works great, but I don't use it on running shoes; I concur with the sentiment that generally the midsoles wear out first,
by whomever
Fri Apr 17, 2020 7:48 am
Forum: Personal Consumer Issues
Topic: Advise what to do after receiving email from Hacker trying to extort money
Replies: 58
Views: 5060

Re: Advise what to do after receiving email from Hacker trying to extort money

"In addition to changing passwords I would install a previously made image of the hard drive in case a key logger had been installed. If the image was not recent I might just roll back to a recent restore point." I don't think that is appropriate, if I am understanding the situation here. My sense i...
by whomever
Fri Apr 17, 2020 7:24 am
Forum: Personal Finance (Not Investing)
Topic: Long Term Care Insurance
Replies: 159
Views: 4770

Re: Long Term Care Insurance

I have asked my decamillionaire clients why are they buying long-term care insurance when they have an 8-figure net worth because, after all, the pundits say you can self-insure. They all say similar things: 1) the premium is small potatoes compared to the potential benefits. 2) my spouse or kids w...
by whomever
Thu Apr 16, 2020 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term Care Insurance
Replies: 159
Views: 4770

Re: Long Term Care Insurance

"The purpose of long-term care insurance is not to protect yourself from financial ruin. It's to protect what you've earned. Long-term care insurance is portfolio insurance. The more money someone has the more sense it makes to own long-term care insurance because their annual premium is equal to a ...
by whomever
Thu Apr 16, 2020 9:47 am
Forum: Personal Consumer Issues
Topic: Oxyacetylene rig, need suggestions please
Replies: 25
Views: 1017

Re: Oxyacetylene rig, need suggestions please

" I don't need to move things very far, just out the garage door to the driveway." Everyone's risk tolerance varies; I won't store acetylene indoors. My solution for the kinds of things people use oxy-acetylene for: 1)for heating and some brazing, I use an oxy-propane setup. 2)for welding I use arc ...
by whomever
Sun Apr 12, 2020 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Wealth Preservation With Decades of Institutional Care
Replies: 69
Views: 3636

Re: Wealth Preservation With Decades of Institutional Care

I'm not sure what the definition of 'wealth preservation' is. One would be to leave as much as possible to heirs. Another would be to make sure the community spouse (the one that isn't institutionalized) is left to live a comfortable life (e.g. in the current home, not sweating how to pay the utilit...
by whomever
Thu Apr 02, 2020 9:11 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 196592

Re: Bogleheads community discussion - Coronavirus

"Mandatory wearing by all people of the 3M 69097 n100 respirator "

Like many respirators intended for industrial, rather than medical, use, that has an exhalation valve. Medical masks don't have the valve, because they are trying to both protect you from others, and protect others from you.
by whomever
Thu Apr 02, 2020 7:47 am
Forum: Personal Finance (Not Investing)
Topic: how much cash do you keep at home?
Replies: 130
Views: 8801

Re: how much cash do you keep at home?

"You don't need internet or power to pay with a credit card!"

I have shopped at the supermarket during power outages, and that supermarket was only taking cash.
by whomever
Sat Mar 28, 2020 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: how much cash do you keep at home?
Replies: 130
Views: 8801

Re: how much cash do you keep at home?

Enough for a few months of groceries. Right now credit cards are working, but we've had extended power outages where the stores were taking cash but not cards. I've been a starving student where having a few months of grocery money wasn't feasible, but once it was feasible doing so seems like a no b...