Search found 928 matches

by whomever
Sun May 24, 2020 5:41 am
Forum: Personal Consumer Issues
Topic: Warning: Virginia State Inspection
Replies: 38
Views: 3685

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: 991

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: 4025

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: 4025

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: 234
Views: 10744

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: 1461

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: 8258

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: 903

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: 8258

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: 1277

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: 4060

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: 1225

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: 2540

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: 1138

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: 16221

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: 325

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: 1384

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: 57
Views: 4484

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: 4474

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: 4474

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: 993

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: 3546

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: 190723

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: 8593

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: 8593

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...
by whomever
Mon Mar 23, 2020 4:51 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1588
Views: 128573

Re: Masks (medical or N95) availability

"2. Why are N95 masks useless for the public but essential for health workers? Do they work or not?" 1)Not a medical professional. 2)Have used N95 masks for years for welding, grinding, sanding drywall seams, etc. My wife has used them gardening the couple of summers when the wildfire smoke was bad....
by whomever
Wed Mar 04, 2020 4:00 pm
Forum: Personal Consumer Issues
Topic: Protection Against Home Intruders
Replies: 387
Views: 27222

Re: Protection Against Home Intruders

"A quick search on google gives me the opposite result." That, in a nutshell, is what has been wrong with the entire discussion for 3 decades now. It is such a partisan issue a quick google search can confirm anyone's preconceived notions. Gun policy has kind of been a hobby since the mid 90's for m...
by whomever
Tue Mar 03, 2020 10:44 am
Forum: Personal Consumer Issues
Topic: Home internet uptime monitor
Replies: 27
Views: 1408

Re: Home internet uptime monitor

Well, not good, not trustworthy, but free: here's a python script that hits google.com once a minute and logs the result to a file that you can analyze with a spreadsheet or whatever. #!/usr/bin/python import urllib,time logfile=open('net.log','a') # open the log file while True: # loop forever t = ...
by whomever
Wed Feb 26, 2020 1:41 pm
Forum: Personal Consumer Issues
Topic: Protection Against Home Intruders
Replies: 387
Views: 27222

Re: Protection Against Home Intruders

"Without looking, very, very, very astronomically low I presume. I'm sure the chances of getting struck by lightning are much, much higher. I suspect accidental gun injuries/deaths are much higher as well." The WISQARS (CDC) data for 1999 to 2018 (most recent) shows just over 600 fatal firearm accid...
by whomever
Wed Feb 26, 2020 12:01 pm
Forum: Personal Consumer Issues
Topic: Protection Against Home Intruders
Replies: 387
Views: 27222

Re: Protection Against Home Intruders

"But that intentionally limits the issue. For example, people who report “firearm access” are at more than three times the risk of death by suicide compared to those who do not own or have access to firearms. There are more suicide gun deaths than gun homicides. Domestic violence and accidents, espe...
by whomever
Wed Feb 26, 2020 7:21 am
Forum: Personal Consumer Issues
Topic: Protection Against Home Intruders
Replies: 387
Views: 27222

Re: Protection Against Home Intruders

"Regarding the guns though, having a gun in the home significantly increases the statistical probability of you being killed with a gun" That is one of those things that has entered the popular knowledge base as a truism, but it's ... something worth looking at carefully. The usual source is a serie...
by whomever
Tue Feb 25, 2020 6:31 pm
Forum: Personal Consumer Issues
Topic: Protection Against Home Intruders
Replies: 387
Views: 27222

Re: Protection Against Home Intruders

"Most houses have large windows, french doors etc. Throw a rock in one and jump in. It's not that easy to kick a door in, and it takes a while." Starfish, you keep confidently posting things that are factually incorrect. 1)You can find a number of different interviews of incarcerated burglars who ge...
by whomever
Sun Feb 23, 2020 7:14 pm
Forum: Personal Consumer Issues
Topic: Protection Against Home Intruders
Replies: 387
Views: 27222

Re: Protection Against Home Intruders

You can opt to defend yourself with a gun but the stats you cite are ludicrous. "A study published in 2013 by the Violence Policy Center, using five years of nationwide statistics (2007-2011) compiled by the Federal Bureau of Investigation found that defensive gun uses occur an average of 67,740 ti...
by whomever
Fri Feb 21, 2020 7:11 am
Forum: Forum Issues and Administration
Topic: delete private messages
Replies: 2
Views: 998

Re: delete private messages

1)Go to Inbox
2)Check the boxes to the right of the messages you want to delete (or 'Mark all' at the bottom right).
3)There is a pull-down menu that reads 'Mark/unmark...'; pull that down and select 'Delete marked'
4)Click 'Go' and then 'Yes'
by whomever
Thu Feb 20, 2020 2:44 pm
Forum: Personal Consumer Issues
Topic: Is it safe to reuse glass (Gerolsteiner) water bottles
Replies: 35
Views: 2701

Re: Is it safe to reuse glass (Gerolsteiner) water bottles

Lessee ... if you drop one, don't step on the pieces. If they are made from leaded glass or whatever, then refilling them with water will have exactly the same risks as drinking from them originally. As far as washing/sterilizing ... we just rinse and put new tap water in plastic soda bottles, our n...
by whomever
Fri Feb 14, 2020 1:38 pm
Forum: Personal Consumer Issues
Topic: Protection Against Home Intruders
Replies: 387
Views: 27222

Re: Protection Against Home Intruders

"Regarding ADT, does the homeowner pay anything for installation including electrical wiring for outside motion sensors and cameras etc.? While there is a contract, does the homeowner need to perform any maintenance at all (like fixing stuff and changing batteries, bulbs, connections etc. etc.) or d...
by whomever
Fri Feb 14, 2020 10:30 am
Forum: Personal Consumer Issues
Topic: Protection Against Home Intruders
Replies: 387
Views: 27222

Re: Protection Against Home Intruders

"I haven't seen a single comment about non-lethal self defense. Maybe those are all completely useless, but if I'm going to screw up fighting off an intruder, I'd prefer not leaving someone dead." I'm guessing you are referring to pepper spray and tasers. I mentioned upthread 'Have a plan for what y...
by whomever
Wed Feb 12, 2020 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Ultra High Deductible Health Insurance?
Replies: 53
Views: 3354

Re: Ultra High Deductible Health Insurance?

"Are you sure that's correct? It seems odd that insurance carriers wouldn't have negotiated discounted rates" It's what I was told, and the source is usually reliable. My sense is this: even BCBS doesn't have an agreement with every provider, and negotiating all the agreements they have must be a no...
by whomever
Wed Feb 12, 2020 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Ultra High Deductible Health Insurance?
Replies: 53
Views: 3354

Re: Ultra High Deductible Health Insurance?

FWIW: I know a couple who had a policy like you want some years ago. It might work if you are in your 20's and have zero medical visits in a year, but they were in their late 40's and while generally healthy would occasional actually need medical care. And the problem was evinced by those bills you ...
by whomever
Tue Feb 11, 2020 8:47 pm
Forum: Personal Consumer Issues
Topic: Protection Against Home Intruders
Replies: 387
Views: 27222

Re: Protection Against Home Intruders

"a home security system like ADT" I absolutely would not get ADT. You want a system that you own, that you can get monitored by someone like alarmrelay.com for $10 a month or whatever. With ADT (and some of the other big names) you pay them $30 or whatever forever. After a few years the extra $20 a ...
by whomever
Tue Feb 11, 2020 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Employer refuses to put holiday gift on W-2
Replies: 60
Views: 5183

Re: Employer refuses to put holiday gift on W-2

IANATaxLawyer, but I have made oopsies before where I incorrectly reported income. So far the IRS has always been satisfied when I responded to their nastygram by saying 'my bad, I reported that $100 of income on Line X instead of line Y'. My sense is that they want to collect all the relevant taxes...
by whomever
Mon Feb 10, 2020 8:38 am
Forum: Personal Consumer Issues
Topic: Messages Posted on Rural Mailbox: Allowed or Not?
Replies: 12
Views: 1890

Re: Messages Posted on Rural Mailbox: Allowed or Not?

For whatever practical value it has: we have a long driveway. We installed a plastic footlocker type thing near the street end, and USPS, UPS, Fedex, etc put packages in the footlocker. We also have the usual USPS mailbox-on-a-post. When UPS/Fedex etc want to leave a notice (signature required, ...)...
by whomever
Fri Feb 07, 2020 7:21 pm
Forum: Personal Consumer Issues
Topic: Where to buy bulk/junk silver coins? It's not what you think.
Replies: 56
Views: 4849

Re: Where to buy bulk/junk silver coins? It's not what you think.

For quantitatively minded bogleheads who want to use historical data to predict the likelihood of future results:

https://medium.com/s/story/the-surprisi ... fce7d10437

(n.b. - the article ignores natural disasters, e.g. Carrington Event)
by whomever
Mon Feb 03, 2020 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Help! Alliant is stealing my money via wrongful right of offset
Replies: 21
Views: 2776

Re: Help! Alliant is stealing my money via wrongful right of offset

FWIW: we once closed an account with one of the big name online banks. They continued to send monthly zero balance statements. After a few months I called, which took 30 min or so, and was assured it was a glitch and would be fixed. I repeated that after another few months.The statements kept coming...
by whomever
Wed Jan 22, 2020 9:52 am
Forum: Investing - Theory, News & General
Topic: Isn’t Inflation Much Larger Than 2%?
Replies: 289
Views: 19203

Re: Isn’t Inflation Much Larger Than 2%?

"a few data points of the cheapest MSRP car by year. Would be really interesting to extend this back to the 90s if we could find the data." In 1978 the lowest new car price was just over $3000. I know because I bought one, my first car. Chevy wanted to advertise they had the lowest price car in Amer...
by whomever
Tue Jan 21, 2020 10:46 am
Forum: Personal Consumer Issues
Topic: Car Accident - What Are My Next Steps?
Replies: 18
Views: 995

Re: Car Accident - What Are My Next Steps?

1)I've been generally happy with the shops USAA recommended. My sense is that they don't want to do such shoddy work that they don't get recommended anymore. This may depend on your insurance company's priorities, though. 2)Some states require you to file an accident report form for any accident wit...
by whomever
Sun Jan 19, 2020 11:01 am
Forum: Investing - Theory, News & General
Topic: Isn’t Inflation Much Larger Than 2%?
Replies: 289
Views: 19203

Re: Isn’t Inflation Much Larger Than 2%?

A couple of points on housing prices: 1)If the question is 'how hard is it for a first time buyer to afford a house', you want to look at interest rates as well. A first time buyer probably cares more about the monthly payment than the purchase price, and whether the mortgage rate was 16% or 3% matt...
by whomever
Fri Jan 10, 2020 12:44 pm
Forum: Personal Consumer Issues
Topic: Jumper cables
Replies: 83
Views: 5445

Re: Jumper cables

I'm in the 'both' camp. Jumper cables aren't going to be dead because they discharged or some random electronic part failed. OTOH, jumper cables aren't much good when you find your battery completely dead and you're the only car at a remote trailhead. Replacing the car battery on a schedule is good ...
by whomever
Sat Jan 04, 2020 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: auto accident (no other vehicle)... $2400 to repair... file a claim or pay out of pocket?
Replies: 27
Views: 2017

Re: auto accident (no other vehicle)... $2400 to repair... file a claim or pay out of pocket?

I'd check your policy carefully to see whether it views reporting accidents as optional or required. If it does require reporting, the worst case scenario is that next year you skid on the ice and hit a van of just graduated neurosurgeons, and your insurance company digs deep enough to discover this...
by whomever
Wed Jan 01, 2020 9:00 pm
Forum: Personal Consumer Issues
Topic: Home security monitoring company recommendations.
Replies: 15
Views: 1383

Re: Home security monitoring company recommendations.

Alarmrelay.com runs about $9 a month, and has worked fine for us for several years.