Search found 110 matches

by jimmo
Sun Feb 09, 2020 9:22 pm
Forum: Personal Consumer Issues
Topic: Replace old working furnace in attic or wait
Replies: 26
Views: 1509

Re: Replace old working furnace in attic or wait

My furnace is 26 years old. Had I pre-emptively replaced at 15-20 years as some recommend, I would have thrown away a lot money. The notion of replacing just for higher efficiency has a terrible payoff, better off putting some money into increasing insulation in your attic and sealing air leaks in y...
by jimmo
Tue Nov 19, 2019 11:32 pm
Forum: Personal Consumer Issues
Topic: Toughest Purchase of my Life. Engagement Ring time
Replies: 229
Views: 15786

Re: Toughest Purchase of my Life. Engagement Ring time

I'm surprised in this day and age that the diamond engagement ring industry is still going strong. What a hoot. Yes, I bought one for my wife awhile back, and I could play along and say it was a great purchase and a rounding error on current NW, but let's be honest here a minute. It's a ridiculous t...
by jimmo
Fri Nov 08, 2019 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Should I buy the family cottage?
Replies: 99
Views: 9102

Re: Should I buy the family cottage?

Buy it. Absolutely, buy it. And purchase as sole owner to avoid sibling quarrels. Your kids love it. It's close by. You have a lifetime of memories there. Someday you can play with your grandkids there. You are financially in great shape. If for any reason you fell on hard times, you could always se...
by jimmo
Fri Nov 08, 2019 8:51 am
Forum: Personal Consumer Issues
Topic: Is selling trees for lumber Immoral?
Replies: 33
Views: 2782

Re: Is selling trees for lumber Immoral?

Do you use lumber? Or paper? How often do you consider the sourcing? The morality of forest products was determined by you long ago. Paper comes from fast growing softwood trees - mostly pines. It's a quickly renewable resource that I wouldn't consider the morality in question. Paper companies plan...
by jimmo
Fri Nov 08, 2019 8:25 am
Forum: Personal Consumer Issues
Topic: Is selling trees for lumber Immoral?
Replies: 33
Views: 2782

Re: Is selling trees for lumber Immoral?

What is immoral is not maintaining the forest at all, and allowing the trees to grow old, die and rot. This is so far off base, I'm glad others have addressed this. To the OP, it is your land and your decision ultimately. If you choose to harvest some larger trees, do your research and work with ex...
by jimmo
Sat Oct 05, 2019 12:33 pm
Forum: Personal Consumer Issues
Topic: New Honda CR-V vs. 2-3 Year Old CR-V?
Replies: 68
Views: 5571

Re: New Honda CR-V vs. 2-3 Year Old CR-V?

^^^In that case, it's an apples to oranges comparison to the purchased $20k used car referenced.
by jimmo
Sat Oct 05, 2019 8:42 am
Forum: Personal Consumer Issues
Topic: New Honda CR-V vs. 2-3 Year Old CR-V?
Replies: 68
Views: 5571

Re: New Honda CR-V vs. 2-3 Year Old CR-V?

Maybe I got really lucky, but I bought a 4 year old CR-V EX-L AWD (2wd) for $20,000. It had 20,000 miles on it. It seems like a deal to me... I bought it from a deal, certified pre-owned. I agree the new ones are much more attractive and have WAY better bluetooth and audio, but this one has AWD, he...
by jimmo
Thu Oct 03, 2019 1:14 pm
Forum: Personal Consumer Issues
Topic: New Honda CR-V vs. 2-3 Year Old CR-V?
Replies: 68
Views: 5571

Re: New Honda CR-V vs. 2-3 Year Old CR-V?

It always makes more sense to buy a used Honda. Their used warranty is a lot better than their new warranty, plus you save a few thousand or more. Let someone else take the hit on buying new AND get a much better warranty. Why wouldn't you buy used? This information is incorrect. A used car does NO...
by jimmo
Fri Sep 13, 2019 9:55 pm
Forum: Personal Consumer Issues
Topic: Best Leaf Blower?
Replies: 70
Views: 4588

Re: Best Leaf Blower?

Add me to the list: Leaf blowers are the worst. I curse under my breath every time my neighbor fires his up ruining my peaceful time on the back patio. And yes, mulch mow your leaves. Great organic matter for your soil. No, it won't kill your grass, it's good for it. Once or twice a season when the ...
by jimmo
Sun Aug 04, 2019 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: HVAC System Replacement
Replies: 28
Views: 2743

Re: HVAC System Replacement

Our AC and furnace are both 24 years old. And according to our utility statements, we are rated in the top 10% most efficient homes relative to similar size homes in the area. Go figure.
by jimmo
Mon Jul 08, 2019 5:33 pm
Forum: Personal Consumer Issues
Topic: Dealer shows trade-in value much higher to avoid sales tax
Replies: 34
Views: 3959

Re: Dealer shows trade-in value much higher to avoid sales tax

I'd start by contacting the dealer and asking for an explanation. They may already have canned legalese response or they may tie themselves knots. If it still likely seems fishy, I'd be inclined to provide anonymous tip to appropriate taxing agency. I would not be okay with someone committing tax fr...
by jimmo
Fri Jun 21, 2019 9:03 pm
Forum: Personal Consumer Issues
Topic: Tree stump, can't use a stump grinder. Solution?
Replies: 64
Views: 6356

Re: Tree stump, can't use a stump grinder. Solution?

Cut it off as flush as you can to the ground. Drill some holes in it, and then move on and forget about it for a couple years. Let nature take its course. I don't dump roundup or root rot in...don't really want the soil poisoned or pets getting into it. I'm a glutton for punishment so I've taken an ...
by jimmo
Sat Jun 15, 2019 8:51 pm
Forum: Personal Investments
Topic: Should I leave Betterment?
Replies: 34
Views: 7531

Re: Should I leave Betterment?

I'm with Betterment (or at least have a large chunk of my portfolio there) and have been planning to switch out. Inertia seems to be the issue. I'm still annoyed with them on the bait and switch on fees. I worked really hard to get my account to 6 figures where the fee dropped to 10 basis points fro...
by jimmo
Thu May 30, 2019 5:22 pm
Forum: Personal Consumer Issues
Topic: Splitting fence cost with neighbor
Replies: 53
Views: 5441

Re: Splitting fence cost with neighbor

Approach it like a conversation to gauge neighbor interest and position. Sounds like your HOA may even force his hand a bit, but best to be neighborly. I don't particularly care for fences and prefer more natural privacy barriers such as trees or hedges. Fences all end up in various states of disrep...
by jimmo
Mon May 13, 2019 3:17 pm
Forum: Personal Consumer Issues
Topic: PSA: Do you have working carbon monoxide detectors?
Replies: 44
Views: 2625

Re: PSA: Do you have working carbon monoxide detectors?

We currently have one on first floor by gas fireplace. I guess we should add one to basement where furnace and hot water heater is located and/or in upstairs bedroom.
by jimmo
Mon May 13, 2019 2:56 pm
Forum: Personal Consumer Issues
Topic: PSA: Do you have working carbon monoxide detectors?
Replies: 44
Views: 2625

PSA: Do you have working carbon monoxide detectors?

In a tragic story, a family of 4 (and their 3 dogs) died in our area recently after exposure to carbon monoxide. No working carbon monoxide detectors in their home. A regular smoke detector won't cut it. Remember it's colorless and odorless so no way of knowing without detector. Cause of the leak wa...
by jimmo
Wed May 08, 2019 11:10 am
Forum: Personal Finance (Not Investing)
Topic: House selling - modern norms
Replies: 36
Views: 5767

Re: House selling - modern norms

6% commission used to be the norm around here for full service. I'd say it's getting closer to 5-5.5% now with houses jumping off the market. And I know a lot of sellers that are doing other variations a step above FSBO to save a lot money. For instance, pay a fixed price around $500-1000 to a realt...
by jimmo
Wed May 08, 2019 8:36 am
Forum: Personal Consumer Issues
Topic: Lawn care schedule
Replies: 75
Views: 7644

Re: Lawn care schedule

I'll tell you, the two weeds (depending on how you view it) that doesn't disappear with increased temperatures is clover and plantains. They stick around all season and spread too. I hit it two weeks ago with the Bayer product, but have to hit it again (second application) because it refuses to go ...
by jimmo
Wed May 08, 2019 8:18 am
Forum: Personal Consumer Issues
Topic: Bathroom Remodel - Looking for Advice
Replies: 56
Views: 4871

Re: Bathroom Remodel - Looking for Advice

My one piece of advice is don't get rid of your tub. I know it's the it thing these days to tear out the standard tub and small shower, and replace with a large shower enclosure. Think about resale value. Guess who buys a lot of houses? Young families with kids...babies, toddlers and young kids all ...
by jimmo
Mon Mar 18, 2019 10:09 pm
Forum: Personal Consumer Issues
Topic: New HVAC systems before selling home
Replies: 29
Views: 2430

Re: New HVAC systems before selling home

As someone who replaced two units on a house before deciding that we wanted to move a few years after, no, you will not get your money back. No one really cares about the HVAC until it breaks. Yep, mostly this. Bogleheads think a lot more about HVAC systems at time of purchase than the average home...
by jimmo
Mon Mar 18, 2019 1:52 pm
Forum: Personal Consumer Issues
Topic: New HVAC systems before selling home
Replies: 29
Views: 2430

Re: New HVAC systems before selling home

So, if the OP's marketing strategy is to present his house as totally move-in ready, then replacing systems that are obviously at the end of their useful life can be a smart move. Wait a minute, who says they're "obviously at their useful life"? Furnaces can last well over 30 years with minimal rep...
by jimmo
Sat Mar 16, 2019 7:27 pm
Forum: Personal Consumer Issues
Topic: New HVAC systems before selling home
Replies: 29
Views: 2430

Re: New HVAC systems before selling home

I'd just echo the chorus here, do not replace HVAC system before selling. If there's an issue with AC unit, get it fixed and move on. You won't make back that $14K or even close. In a seller's market, your aged system will be generally a non-issue at time of sale as long as it's in working order. Ev...
by jimmo
Fri Mar 15, 2019 11:37 pm
Forum: Personal Consumer Issues
Topic: lawn care cost
Replies: 70
Views: 6922

Re: lawn care cost

OP - I'm also in Columbus area and on .25 acre lot, and probably only half that is grass. I helped an old man next door get setup with mowing company last summer so familiar with pricing. For small lot like yours, commercial mowing companies charge $30-35 per cut. The high school kids charge $20-25....
by jimmo
Fri Mar 15, 2019 5:49 pm
Forum: Personal Consumer Issues
Topic: Lawn care schedule
Replies: 75
Views: 7644

Re: Lawn care schedule

Some basics... Things to Do 1) Mow high...higher than you think is normal. This might be the most important tenet of lawn care, and definitely the easiest. In the heat of summer, I set mower height at 3.5-4 inches. 3 inches in spring and fall. The taller your grass is, the more it shades the soil ac...
by jimmo
Mon Jan 14, 2019 10:22 pm
Forum: Personal Consumer Issues
Topic: How do I stop jeans from ripping in the thighs?
Replies: 70
Views: 6337

Re: How do I stop jeans from ripping in the thighs?

I have this exact same problem. After about a year the inner thigh/ lower crotch area will wear thin, then a hole, then ripped. Rest of the jeans will still look about new. Buy another pair, rinse and repeat. It's annoying and wasteful. It's not a weight problem. I'm 6ft 185 lbs generally athletic. ...
by jimmo
Thu Dec 27, 2018 7:48 pm
Forum: Personal Consumer Issues
Topic: Ticket for speeding
Replies: 66
Views: 6072

Re: Ticket for speeding

Maybe I'm a schmuck, but when I get a traffic ticket and I'm guilty, I pay the fine and move on with my life. YMMV. 2 tickets in 20 years.
by jimmo
Tue Dec 18, 2018 12:18 am
Forum: Personal Consumer Issues
Topic: Is Liquid Plumber / Draino bad for the pipes?
Replies: 51
Views: 6516

Re: Is Liquid Plumber / Draino bad for the pipes?

Liquid plumber / Draino are a waste of time in most cases, and yes bad for environment too. Hair is primary culprit for shower/bath drains. If you can't locate/remove obstruction, might be time to call in plumber. Or you can do same thing they willl... use power auger.
by jimmo
Wed Dec 05, 2018 9:44 am
Forum: Personal Consumer Issues
Topic: Is this normal for an HOA?
Replies: 95
Views: 9373

Re: Is this normal for an HOA?

Name and emergency contact information is reasonable. The rest of it I'd view as none of their business. Comply with what you feel is reasonable and leave the rest blank. The onus is on the HOA to follow-up if they still want more information and can justify it. I'm in an HOA neighborhood and they'v...
by jimmo
Sat Nov 17, 2018 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Water-Sewer line insurance
Replies: 33
Views: 2123

Re: Water-Sewer line insurance

We get letters at least quarterly for offers to buy this insurance. I don't buy it for the same reason I don't buy phone insurance or extended car warranties. For the things I can reasonably self-insure, I do that. Insurance/warranty companies are in the business to make money. For things that would...
by jimmo
Sun Oct 28, 2018 12:09 pm
Forum: Personal Consumer Issues
Topic: How many miles (total) on car before buying another car ?
Replies: 114
Views: 7767

Re: How many miles (total) on car before buying another car ?

PFInterest wrote:
Sat Oct 27, 2018 8:49 am
UpperNwGuy wrote:
Fri Oct 26, 2018 10:35 pm
Never buy a new car until the current car starts to fail. It's not about the age or the miles. It's about failures requiring major repairs.
yup.
Yes, this. Mileage largely irrelevant. Once I can no longer justify repair costs on older vehicle, that's when it's time to move on.
by jimmo
Tue Oct 16, 2018 9:08 pm
Forum: Personal Consumer Issues
Topic: How Much Is Your Sewer Bill?
Replies: 78
Views: 4645

Re: How Much Is Your Sewer Bill?

Sewer: $35/mo flat rate
Water: $20/mo average.

We average about 80gal of water per day or 2500gal monthly.

Two person household. Midwest city.

Trash/Recycling: $15/mo
by jimmo
Mon Aug 20, 2018 11:43 am
Forum: Personal Consumer Issues
Topic: Sump Pump Issues - What can I do, if anything?
Replies: 31
Views: 6767

Re: Sump Pump Issues - What can I do, if anything?

Glad you figured it out. It is always such a terrific relief to understand and solve problems like that. :) PS, if you're saying that the gutter drain to the curb is shared with the sump pump drain to the curb, maybe it would be better if the gutter drain was moved to the surface (just let it go on...
by jimmo
Fri Aug 17, 2018 8:22 am
Forum: Personal Consumer Issues
Topic: Stains coming through white painted wood stair risers
Replies: 15
Views: 2233

Re: Stains coming through white painted wood stair risers

Reporting back on this project. I used Zinsser B-I-N stain blocker (shellac). Now 10 months later still no stains coming through. So thanks all for the advice. It was spot on.
by jimmo
Fri Aug 17, 2018 8:10 am
Forum: Personal Consumer Issues
Topic: Sump Pump Issues - What can I do, if anything?
Replies: 31
Views: 6767

Re: Sump Pump Issues - What can I do, if anything?

Just getting back to this thread to close the loop and hopefully someone else can learn from it if in a similar situation. I replaced the check valve, but this had little if any impact in my case. I put the sump on some blocks and raised it up about 3-4 inches hoping it would help with the short-cyc...
by jimmo
Wed Aug 01, 2018 8:12 pm
Forum: Personal Consumer Issues
Topic: Why is new strip of lawn different color?
Replies: 18
Views: 2097

Re: Why is new strip of lawn different color?

Yes, most grass seed comes coated in fertilizer to help it get established. Scotts mix certainly. It's normal to come in darker initially due to the starter fert coating. By next year this time you shouldn't notice much of a difference. Give it time and don't create more work for yourself starting o...
by jimmo
Wed Jul 25, 2018 12:48 pm
Forum: Personal Consumer Issues
Topic: Dealing with HOA Notice
Replies: 118
Views: 10619

Re: Dealing with HOA Notice

I live in an HOA neighborhood but there is little to no enforcement. My neighbor has an old rotting fence in disrepair on one side and a chicken wire fence on the other side, and a yard that is pretty much all weeds and annual crabgrass. Landscaping is overgrown and unsightly. Basically it's the eye...
by jimmo
Wed Jul 25, 2018 12:38 pm
Forum: Personal Consumer Issues
Topic: Dealing with HOA Notice
Replies: 118
Views: 10619

Re: Dealing with HOA Notice

Has the OP responded as to why he has a window unit A/C? If it's against HOA code, then all homes must of been built with central heating and cooling. Removing a window unit A/C should be a pretty easy fix, or is it that you want to play hardball with HOA? Window unit A/C's can look pretty dumpy, pa...
by jimmo
Tue Jul 10, 2018 2:33 pm
Forum: Personal Consumer Issues
Topic: Masterbath Remodel - Tub or No Tub ?
Replies: 57
Views: 5113

Re: Masterbath Remodel - Tub or No Tub ?

First off, do what you want. If you're planning to stay for at least a few years, resale impact should be rather minor consideration. A tub in master is rarely a deal breaker for prospective buyers. With that said, I'm guessing this site skews towards an older audience, i.e. don't have small childre...
by jimmo
Sun Jul 01, 2018 3:55 pm
Forum: Personal Consumer Issues
Topic: replace old central AC unit?
Replies: 32
Views: 2892

Re: replace old central AC unit?

Our AC and gas Furnace are each 24 years old and running fine. (knock on wood). If we would have followed the advice of pre-emptive replacement at 15 years, that would have been a pretty big waste of money. Our utility bills are very reasonable so the idea of saving loads of money on monthly bills s...
by jimmo
Thu Jun 21, 2018 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 501
Views: 59573

Re: What is/was your career and would you recommend it now?

Actuary. It has been rated in the "top 10" by many lists over the years, and the ranking is correct. Once a person finishes their actuarial examinations (usually happens before age 30), unemployment is basically zero, salaries are very good, and the stress level is relatively low. I would highly re...
by jimmo
Tue Jun 19, 2018 11:37 am
Forum: Personal Consumer Issues
Topic: Best stroller+infant seat for gravel roads?
Replies: 18
Views: 1618

Re: Best stroller+infant seat for gravel roads?

I'll add another vote for a BOB. We got a Bob SUV used off Craigslist. They are built to last so no reservations on buying used. Like other posters, we pair that with a cheap lightweight umbrella stroller when tooling around at the mall or someplace you don't want a big ol stroller in the way.
by jimmo
Thu Apr 19, 2018 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: Having Child; Insurance Questions
Replies: 7
Views: 1447

Re: Having Child; Insurance Questions

Since delivery should be November (first week), will all the charges hit before the end of the year you think? I'm hoping to contain all the costs in this year before we get the deductible slate wiped clean in January. I think it's based on the service date, so you should be good, but check with yo...
by jimmo
Thu Apr 19, 2018 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: Having Child; Insurance Questions
Replies: 7
Views: 1447

Re: Having Child; Insurance Questions

Went through this recently. Baby born Dec 2017. Great for added tax break, not so good for insurance. Blew through OOP max for 2017 and already about a third of way there for 2018 after a couple non-routine follow-up visits. I believe the total "charged" cost for our delivery and stay was over $30k;...
by jimmo
Fri Apr 06, 2018 9:25 pm
Forum: Personal Consumer Issues
Topic: Builder wants $800 to vent a gas cooktop
Replies: 53
Views: 5530

Re: Builder wants $800 to vent a gas cooktop

Apparently a lot of cooking snobs here. We along with a lot of people we know have OTR microwaves and many do not vent outside. Sure it's not ideal but it's worked fine for decades. If we happen to burn something bad and have a lot of smoke (maybe a couple times a year), we then open the window in t...
by jimmo
Sun Mar 18, 2018 10:00 am
Forum: Personal Consumer Issues
Topic: TV and set up recommendations for above fireplace
Replies: 35
Views: 3902

Re: TV and set up recommendations for above fireplace

Mounting TVs on walls has become a big trend over the last 5-10 years, and along with that, it seems a lot end up with it above a fireplace. I'm all for mounting TVs on walls and saving space, but above fireplaces is a bad idea. I've had at least 3-4 friends or family do it over the last few years. ...
by jimmo
Wed Mar 14, 2018 11:04 am
Forum: Personal Investments
Topic: Can I take an 85+% pay cut for fun?
Replies: 88
Views: 13495

Re: Can I take an 85+% pay cut for fun?

Well, first off, you have way too much FU money to feel you need to stay in a job/career you don't like. You've bought yourself options. Through your hard work and diligent saving, you are in a great position to make significant changes to your work life. I don't know if becoming a pilot is "it", bu...
by jimmo
Mon Mar 12, 2018 1:28 pm
Forum: Personal Consumer Issues
Topic: Duct cleaning
Replies: 41
Views: 5650

Re: Duct cleaning

We did have our ductwork professionally cleaned shortly after we moved into our house a couple years ago. The prior owners were, frankly, dirty people. They appeared to, at times, use the floor vents as trash receptacles...or I guess their kids did. I think it was around $350 total for reputable loc...
by jimmo
Sun Mar 11, 2018 8:51 pm
Forum: Personal Consumer Issues
Topic: Sump Pump Issues - What can I do, if anything?
Replies: 31
Views: 6767

Re: Sump Pump Issues - What can I do, if anything?

Thanks all for the comments and feedback. I did a little more measuring and monitoring. I think I'm getting a better picture here and some next steps. A lot of responses on checking the check valve...after the sump pump runs the pit gets down to 3 inches of water at lowest level just as pump is shut...
by jimmo
Sat Mar 10, 2018 6:11 am
Forum: Personal Consumer Issues
Topic: Sump Pump Issues - What can I do, if anything?
Replies: 31
Views: 6767

Re: Sump Pump Issues - What can I do, if anything?

The more I look into sump pumps, the more I'm confused by the design of the standard Zoeller model that can cause short cycling. The float is not adjustable and the travel distance seems rather short. From the comments here, there are ways to override by piggybacking a secondary float and the like. ...