Search found 162 matches

by wilshuer
Fri Nov 16, 2018 8:45 am
Forum: Personal Consumer Issues
Topic: Home sale etiquette: wall repair
Replies: 51
Views: 2995

Re: Home sale etiquette: wall repair

Unless there is anything major that wouldn't have been seen by the buyer and requested to be fixed - i.e., holes from a large anchor, something hidden from a picture I personally wouldn't fix it - likely the buyer is planning on painting anyway to personalize to their desire. At most I have in the p...
by wilshuer
Wed Nov 14, 2018 8:09 am
Forum: Personal Finance (Not Investing)
Topic: Anyone have a bad experience with HDHP?
Replies: 43
Views: 3747

Re: Anyone have a bad experience with HDHP?

In my case the HDHP and OAP are the exact same network and same out of network benefits. It was purely a financial decision. Due to chronic issues for my wife, the first two years elected to stay on the OAP, much higher rates but deductible was good. We typically used up the whole FSA without an iss...
by wilshuer
Wed Nov 07, 2018 9:24 am
Forum: Investing - Help with Personal Investments
Topic: HSA Question(s)
Replies: 6
Views: 601

Re: HSA Question(s)

If I'm reading your question correctly, you are debating whether to forgo coverage for your wife at her new employer and instead put her onto your HDHP plan. You might be sure your employer doesn't have a spouse surcharge for forgoing coverage at her job. I've somewhat gone through the same process,...
by wilshuer
Sun Nov 04, 2018 9:42 am
Forum: Personal Finance (Not Investing)
Topic: tips to protect identity
Replies: 11
Views: 785

Re: tips to protect identity

Thanks for replies. a few new questions: 1. I haven't tried yet, but one post suggests freezing credit for the kids - any limitations on doing this through any of the companies? Do I need to make it clear somehow that I am a parent doing that for the kids? 2. any value to paying for things like Ver...
by wilshuer
Sun Nov 04, 2018 8:41 am
Forum: Personal Finance (Not Investing)
Topic: tips to protect identity
Replies: 11
Views: 785

Re: tips to protect identity

Beyond the big three agencies, freeze at the others too. Chexsystems and a few other smaller ones. Skimmers are pretty much everywhere, so hard to watch out for beyond a quick check when paying through a gas pump, vending machine, etc. We had a stretch where gas stations around us were hit hard for ...
by wilshuer
Sat Nov 03, 2018 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: If you have credit monitoring do you need to freeze credit?
Replies: 26
Views: 1234

Re: If you have credit monitoring do you need to freeze credit?

Nestegg_User wrote:
Sat Nov 03, 2018 12:48 am
Trism

I can’t “downvote” your post enough... FREEZE!

(oh, and I do know someone ... it was a pain for them to correct)
Agree. To each his own. Guess we shouldn’t lock our doors either and wait to see if our house is broken into.
by wilshuer
Fri Nov 02, 2018 6:35 pm
Forum: Personal Consumer Issues
Topic: People with older car, share your unusual repairs
Replies: 84
Views: 5219

Re: People with older car, share your unusual repairs

Not too old, but 2012 Ford Fusion hybrid, had 154k miles on it at the time. AC quit working, tracked it to a thermocouple that triggered the compressor. Problem it was buried behind the dash. Found a wire to splice in a resistor as a temp fix. $1500 at a shop to replace a $10 part, did myself but to...
by wilshuer
Fri Nov 02, 2018 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: If you have credit monitoring do you need to freeze credit?
Replies: 26
Views: 1234

Re: If you have credit monitoring do you need to freeze credit?

Every time I apply for credit I get alerts from WalletHub, True Identity, Credit Karma, Chase Credit Journey, and/or 3 or 4 others, depending on the bureau pulled. These are all free. Freezing an unfreezing is a waste of time if you are otherwise protected. You can't miss this avalanche of email un...
by wilshuer
Tue Oct 16, 2018 9:37 am
Forum: Personal Consumer Issues
Topic: Jury duty - already booked vacation
Replies: 51
Views: 5530

Re: Jury duty - already booked vacation

I imagine if you contact them, they will reschedule. Quite lucky where I live, they have online impaneling. The notice in the mail gives you a date to show up, however go into the online system and you can pick a week during a 8 week range, and as soon as the next week. Over the weekend they send an...
by wilshuer
Wed Oct 10, 2018 2:41 pm
Forum: Personal Consumer Issues
Topic: What the heck is growing in my yard?
Replies: 71
Views: 5944

Re: What the heck is growing in my yard?

Hen of the wood mushroom.
by wilshuer
Thu Sep 27, 2018 7:43 am
Forum: Personal Consumer Issues
Topic: Suggestions on Phonics & Reading programs for 4 year old? Pre-K to Kindergarten
Replies: 27
Views: 1269

Re: Suggestions on Phonics & Reading programs for 4 year old? Pre-K to Kindergarten

In the summer before K we got Now I'm Reading! sets from Amazon. They were 10-12 small books with a repetitive word in 3-4 word sentences through the book. We used 3 different sets, my boys enjoyed them. After a few weeks they were starting to read them on their own. I found anything with a picture ...
by wilshuer
Wed Sep 26, 2018 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: How to pay for upcoming medical / IVF expenses
Replies: 73
Views: 4785

Re: How to pay for upcoming medical / IVF expenses

I don't really have any regrets, aside from the likely outcome (we're literally waiting to find out this week if it worked), and I wouldn't be able to live with myself if we hadn't done it. Best of luck, I hope for a positive for you. We went through 7 cycles and finally had success, I wouldn't cha...
by wilshuer
Wed Sep 26, 2018 8:38 am
Forum: Personal Consumer Issues
Topic: Digitalizing Old Photos Help
Replies: 22
Views: 1634

Re: Digitalizing Old Photos Help

One suggestion, get the scanner set up for easier one-touch and drop into a folder. Then at that point tackle it a little at a time. I had a to-do box and a done box. For awhile any time I walked into the study, I put a few photos on the scanner and hit the button, walked off. Over the course of mon...
by wilshuer
Wed Sep 26, 2018 5:35 am
Forum: Personal Finance (Not Investing)
Topic: How to pay for upcoming medical / IVF expenses
Replies: 73
Views: 4785

Re: How to pay for upcoming medical / IVF expenses

Seeing the thread a bit late so looks like you have a lot of good suggestions. Probably hard to comment on current costs as we went through IVF and were blessed with twin boys, now 7 years old. It took 7 cycles over 4 years, a lot of hard times, tears, hopes for success. We paid for all out of pocke...
by wilshuer
Tue Sep 18, 2018 7:25 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America credit card “feature” (be careful with autopay)
Replies: 45
Views: 2802

Re: Bank of America credit card “feature” (be careful with autopay)

If it makes you feel better, I paid my Penfed balance a year or so ago, and somehow put $11,495 instead of $1,495 through the app and saw it as soon as I hit confirm. That was a headache to work out. Paying through their website has a limitation of $5000 per payment, but their app didn't at the time...
by wilshuer
Sat Sep 15, 2018 8:46 am
Forum: Personal Consumer Issues
Topic: iphone xs--buy it sim free vs. on a network
Replies: 12
Views: 1434

Re: iphone xs--buy it sim free vs. on a network

Haven’t seen the specs for the latest, but if similar to the X, the AT&T model is slightly different and doesn’t cover CDMA networks, and some other frequencies around the world. Meaning you can’t take it on Sprint or Verizon. Meanwhile the sim free model is slightly different and covers all network...
by wilshuer
Mon Sep 10, 2018 1:25 pm
Forum: Personal Consumer Issues
Topic: Hurricane Florence - survival guide
Replies: 87
Views: 6701

Re: Hurricane Florence - survival guide

Maybe one thing to add for the generator comments - a chain and lock to keep it from walking off. It tended to be a problem in our vicinity during Harvey and previously during Ike. People would go around at night looking for generators, it was pretty obvious who had them and who didn't merely due to...
by wilshuer
Mon Sep 10, 2018 7:42 am
Forum: Personal Consumer Issues
Topic: Advice on how to deal with barking dogs
Replies: 59
Views: 5274

Re: Advice on how to deal with barking dogs

There are ultrasonic devices you can purchase that may help. We have a small handheld one to use on neighbors dogs when we're in the backyard. Our dogs are fairly well behaved, and just sniff through the fence, while the neighbors typically bark to the point of making it impossible to sit on the bac...
by wilshuer
Sun Sep 02, 2018 7:24 am
Forum: Personal Finance (Not Investing)
Topic: Under insured motorist insurance
Replies: 19
Views: 1057

Re: Under insured motorist insurance

Yes, given the number of uninsured and under insured it is a prudent move. I always declined in the past, but recent change to a new company a few years ago went ahead and got it. Since then both my wife and I have been hit by uninsured drivers. Luckily no injuries and minor repairs ~$1500 each acci...
by wilshuer
Tue Aug 21, 2018 10:32 am
Forum: Personal Consumer Issues
Topic: Sellers beware on eBay.
Replies: 66
Views: 6374

Re: Sellers beware on eBay.

Yeah, pretty much my experience for the one time selling anything of value on eBay. Sold a nice musical instrument and received a highly rated buyer as high bidder. I clearly stated using UPS for shipping, both for cost and tracking purposes. The first complaint from the buyer was he wanted USPS whi...
by wilshuer
Tue Aug 21, 2018 8:13 am
Forum: Personal Consumer Issues
Topic: Wood pad for garage door separating from wall: Who is responsible?
Replies: 9
Views: 1529

Re: Wood pad for garage door separating from wall: Who is responsible?

Can't change the past actions, but I would have requested the installer to replace the pads as part of the work - if they were not in shape to hold the door. At this point, perhaps engage the contractor again and let them know you have problems with the installation, presumably there is some type of...
by wilshuer
Sun Aug 12, 2018 2:25 pm
Forum: Personal Consumer Issues
Topic: Tipping lawn service and trash pickup
Replies: 27
Views: 2245

Re: Tipping lawn service and trash pickup

Our trashmen usually come early on Sat, if I'm outside then I'll hand them a Gatorade, they appreciate it especially on the hot days. They do it the old fashion way by hand - not the mechanical arm. If have found it pays off when I have something large or quite a bit of trash for whatever reason, ne...
by wilshuer
Wed Aug 08, 2018 7:13 am
Forum: Personal Consumer Issues
Topic: Grind and Brew Coffee Makers - worth it?
Replies: 39
Views: 3464

Re: Grind and Brew Coffee Makers - worth it?

Which superauto needs such little maintenance??? I have a Saeco, and am about to give up on it. It needs a major cleaning (remove brew group, etc) every time I empty the dregs box. The amount of unused grounds that spill out past the brew group is disappointing, but I have finally started to collec...
by wilshuer
Tue Aug 07, 2018 3:07 pm
Forum: Personal Consumer Issues
Topic: Grind and Brew Coffee Makers - worth it?
Replies: 39
Views: 3464

Re: Grind and Brew Coffee Makers - worth it?

For the higher end super automatic machines what is the cleaning process like, especially for the used grinds? I assume you still need to empty and clean between uses? There's a small container that collects the grounds - they're pushed into a small puck - and after 10 or so cups the machine says t...
by wilshuer
Tue Aug 07, 2018 2:39 pm
Forum: Personal Consumer Issues
Topic: Grind and Brew Coffee Makers - worth it?
Replies: 39
Views: 3464

Re: Grind and Brew Coffee Makers - worth it?

After doing the math on a Keurig vs a grind and brew, based on the amount we drink per day, I bought a DeLonghi Magnifica super automatic machine, it's going on around 9 years old now. Granted Keurigs have come down - both machine and pods, but I feel I've gotten my money's worth out of it many time...
by wilshuer
Mon Jul 16, 2018 5:32 am
Forum: Personal Consumer Issues
Topic: how to diagnose problem with cable internet speed
Replies: 27
Views: 2471

Re: how to diagnose problem with cable internet speed

Looks like OP solved the issue, but some added advice for others based on my troubleshooting. It’s best for the modem to be connected after the first splitter coming into the house. For your modem you’ll need to look up the modem’s html Page, in my case it is 192.168.100.1, and you can see the signa...
by wilshuer
Wed Jun 27, 2018 10:34 am
Forum: Personal Finance (Not Investing)
Topic: How much (green) cash at home for emergency ?
Replies: 169
Views: 15704

Re: How much (green) cash at home for emergency ?

During the flooding from Harvey, I think the amount of bribes paid to get people rescued were actually very very low. As one who was on a boat helping to evacuate people, correct. It was amazing and restored faith in humanity to see the number of people out there in their own boat using their own g...
by wilshuer
Tue Jun 26, 2018 1:56 pm
Forum: Personal Consumer Issues
Topic: Family dynamics/in laws/am I being petty?
Replies: 143
Views: 7857

Re: Family dynamics/in laws/am I being petty?

Perhaps a suggestion. Have somewhat similar situation between my family and my inlaws. I always grew up with my parents\grandparents pretty much always fighting over paying, whoever could grab the bill first paid. Since my wife and I have been married - approaching 20 years, it more or less becomes ...
by wilshuer
Wed Jun 20, 2018 8:08 am
Forum: Personal Consumer Issues
Topic: dryer vent cleaning--your thoughts?
Replies: 44
Views: 6840

Re: dryer vent cleaning--your thoughts?

Maybe one other thing to add, if your dryer (especially new dryer) is taking a long time, check to ensure there isn't an efficiency setting turned on. We went through this with a new dryer recently purchased. I methodically went through cleaning out the vent when we had to replace our failed electri...
by wilshuer
Sun Jun 03, 2018 7:25 am
Forum: Personal Finance (Not Investing)
Topic: 125K Spend - Would you do this ?
Replies: 53
Views: 5428

Re: 125K Spend - Would you do this ?

This is excellent option we should seriously consider. My son's room can fit a queen bed too. thanks again for this. I would put a bunk bed in my sons room, perhaps a double on the bottom and twin for him on the top. Kids generally sleep more deeply and you could give yourself some mkre time to dec...
by wilshuer
Wed May 23, 2018 5:21 am
Forum: Personal Consumer Issues
Topic: Just had windows installed..one of them with scratches..
Replies: 15
Views: 1848

Re: Just had windows installed..one of them with scratches..

If that noticeable I would hesitate to use that contractor again, they should have seen the scratches before installation. Seems an easy push off to the manufacturer. I would expect the installer to either handle it as a customer service, or have not installed it in the first place.
by wilshuer
Tue May 15, 2018 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Experian and Temporary Credit Thaw
Replies: 4
Views: 443

Re: Experian and Temporary Credit Thaw

I've done it twice since the start of the year, was very easy. Perhaps you didn't enter the PIN correctly.
by wilshuer
Mon May 14, 2018 9:40 am
Forum: Personal Consumer Issues
Topic: Is there a boglehead muscle car?
Replies: 140
Views: 9727

Re: Is there a boglehead muscle car?

We just got a low mileage Challenger SRT8 - it is a fun car, true modern muscle car. Was a bit of a splurge, but we're doing well on the other finances and figured why not, it's time to live. DW is just going back to work, so she reallocated my bonus for me - and she's the bigger fan of it than me. ...
by wilshuer
Wed May 09, 2018 12:14 pm
Forum: Personal Consumer Issues
Topic: How to remove garden hose nozzle that is stuck on a hose
Replies: 41
Views: 9368

Re: How to remove garden hose nozzle that is stuck on a hose

Due to very hard water, I seem to get this quite often, and have somewhat learned from it. I've changed over to quick-connect type fittings for all my hoses and nozzles. I have had to cut a few off with the dremmel tool, very carefully cut down just deep enough to get through the female end threads,...
by wilshuer
Wed May 02, 2018 7:03 am
Forum: Personal Finance (Not Investing)
Topic: Flood Insurance
Replies: 24
Views: 1688

Re: Flood Insurance

Sometimes developers/real estate folks are successful in keeping neighborhoods out of flood zones that really should be in flood zones. Flood mapping is a very political process, unfortunately. It's not so much politics, it's when the developers haul in tons of dirt and raise the ground level of a ...
by wilshuer
Tue May 01, 2018 7:41 am
Forum: Personal Consumer Issues
Topic: Fiber cable on front lawn
Replies: 39
Views: 2972

Re: Fiber cable on front lawn

Submit something through their public website referring it to their legal department, and that you are quite concerned about the tripping hazard caused by their equipment on your property. Have likewise informed your insurance company of the liability caused by their oversight and inability to addre...
by wilshuer
Mon Apr 30, 2018 9:25 am
Forum: Personal Consumer Issues
Topic: 3 days in London - must dos?
Replies: 31
Views: 2284

Re: 3 days in London - must dos?

Just spent 10 days there for work, so some recent comments. There about once a quarter. Don't expect to see Big Ben, it's currently covered in scaffolding. For a nice view, and probably almost required to have a reservation, look to eat on top of the Heron/Salesforce tower - Duck and Waffle. It's th...
by wilshuer
Sun Apr 22, 2018 1:31 pm
Forum: Personal Consumer Issues
Topic: Car driver's power window - problem - ideas?
Replies: 13
Views: 1197

Re: Car driver's power window - problem - ideas?

Perhaps the switch, wouldn't doubt if the contacts on the switch are worn.
by wilshuer
Mon Apr 16, 2018 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Deductible Medical Expenses....
Replies: 20
Views: 1360

Re: Deductible Medical Expenses....

While going through multiple rounds of IVF we claimed the medical deduction 3 years in a row. Weren't even audited, if my math is correct now it's outside of what would be audit-able. Didn't have too many other deductions that would have thrown up a flag. In terms of documentation, I did through exc...
by wilshuer
Mon Apr 16, 2018 7:17 am
Forum: Personal Consumer Issues
Topic: Removing oil stains on garage floor
Replies: 10
Views: 1353

Re: Removing oil stains on garage floor

Had to look to see if they still sell it, but Spic and Span powder always seemed to work miracles. Growing up my father was a mechanic, and my weekends and summers while a kid usually consisted of working in his shop - which was usually giving it a thorough cleaning. He used to buy the stuff in 5 ga...
by wilshuer
Fri Apr 13, 2018 7:46 am
Forum: Personal Consumer Issues
Topic: Picture duplicates on hard drive
Replies: 8
Views: 858

Re: Picture duplicates on hard drive

I went through this awhile ago, there are a few duplicate photo finder programs that exist. They'll show a 'base' image and all those that match by the checksum data, you'll see them side by side and can eliminate the duplicates. It was actually a fairly fast process to go through a few 1000 images,...
by wilshuer
Sun Apr 01, 2018 7:56 am
Forum: Personal Consumer Issues
Topic: Online meals, anyone do these?
Replies: 28
Views: 3652

Re: Online meals, anyone do these?

We’ve just started emeals and Kroger where they create the recipe and fill a Kroger click list cart for you. It’s a bit of a hybrid and a lot cheaper. Tried both Blue Apron and Hello Fresh and found them okay, but pricey and would’ve preferred less exotic recipes - trying to get 6 year olds to eat s...
by wilshuer
Thu Mar 29, 2018 3:47 pm
Forum: Personal Consumer Issues
Topic: Renting car when you lose your D/L out of state
Replies: 30
Views: 2561

Re: Renting car when you lose your D/L out of state

Another big concern is getting ID to show at the airport when you take your return flight home and a temporary drivers license is not acceptable. You may want to have someone mail you your passport if that is possible. https://www.tsa.gov/travel/security-screening/identification As the link you pro...
by wilshuer
Sun Mar 25, 2018 7:54 am
Forum: Personal Consumer Issues
Topic: Issue With Door Knob
Replies: 14
Views: 1570

Re: Issue With Door Knob

If I’m interpreting correctly sounds like it’s hanging up somewhere, look for uneven wear. Suspecting it’s the original, not new, so could have uneven wear due to always being opened one way vs the other, either the spindle or receiver on the latch plunger is probably worn. If you take it out of the...
by wilshuer
Sun Mar 18, 2018 8:20 am
Forum: Personal Consumer Issues
Topic: Amazon Prime Going Sideways/Weird Shipment Problems
Replies: 66
Views: 6376

Re: Amazon Prime Going Sideways/Weird Shipment Problems

Definitely has gone downhill. With UPS almost always on time. They will often use USPS or surepost to USPS, which is hit and miss - mostly miss. What’s worse is with USPS the tracking is meaningless, sometimes shows it’s at our local post office for 2-3 days. I haven’t particularly complained yet, b...
by wilshuer
Tue Mar 06, 2018 2:24 pm
Forum: Personal Consumer Issues
Topic: Online customer review denied
Replies: 33
Views: 3927

Re: Online customer review denied

It's funny they list "Cannot focus solely on vehicle fitment (because this only applies to your specific vehicle)" as that's a key aspect of an auto part purchase - does it fit? I imagine it was kicked out due to some AI that scanned for key words, detected what it thought was against policy, and fl...
by wilshuer
Tue Mar 06, 2018 9:59 am
Forum: Personal Consumer Issues
Topic: Colorado Summer Vacation - what to see and where to stay
Replies: 65
Views: 5466

Re: Colorado Summer Vacation - what to see and where to stay

Some good recommendations above, also if you search there was a thread last year with a lot of good comments as well. For those ages of kids, you might look at Winter Park - alpine slide for the kids, easy to access from Denver. From there you can route up through RMNP and back through Boulder. Opti...
by wilshuer
Tue Feb 20, 2018 9:03 am
Forum: Personal Consumer Issues
Topic: 26 foot Box Truck Rental Questions (Tolls and Insurance)
Replies: 10
Views: 1014

Re: 26 foot Box Truck Rental Questions (Tolls and Insurance)

Adding to the security side, when parking and if possible, back into the spot in a place you can get the door backed up to a wall or something else. This will make it more difficult for someone to attempt to steal anything out of the back. Leave yourself stopping distance, turn wider than you think....
by wilshuer
Fri Feb 16, 2018 12:15 pm
Forum: Personal Consumer Issues
Topic: Should I be paying $1300/yr. for under/uninsured motorist protection?
Replies: 99
Views: 8638

Re: Should I be paying $1300/yr. for under/uninsured motorist protection?

tmcc wrote:
Fri Feb 16, 2018 11:58 am
if he gets in an accident when you have UM, you still get dinged with go forward rates. UM doesn't preclude them from upcharging you in the future.
Depends on state law. And, in fact my renewal for this year dropped a few dollars.
by wilshuer
Fri Feb 16, 2018 9:52 am
Forum: Personal Consumer Issues
Topic: Should I be paying $1300/yr. for under/uninsured motorist protection?
Replies: 99
Views: 8638

Re: Should I be paying $1300/yr. for under/uninsured motorist protection?

Seems very high as others have said. Haven't looked what mine is this year, however last year it was ~$80 for two vehicles. I always thought it was a waste and my comp/collision would cover if needed. When I changed insurance a few years ago to current company, I went ahead and paid it - glad I did....