Search found 737 matches

by nordlead
Mon Jun 29, 2015 1:30 pm
Forum: Personal Consumer Issues
Topic: Updated - Propane Oven Makes Me Sick - Repair or Buy New?
Replies: 35
Views: 3217

Re: Propane Oven Makes Me Sick

Sounds like either one of two things. There is a propane leak, and for whatever reason you aren't identifying it as propane (The energy supplier should be able to check for leaks). or There is poor ventilation and you are breathing a lot of carbon monoxide and/or uncombusted propane. Breathing propa...
by nordlead
Fri Jun 26, 2015 2:25 pm
Forum: Personal Consumer Issues
Topic: Annoying problem with Lollipop (new Android 5.1 OS)
Replies: 52
Views: 8968

Re: Annoying problem with Lollipop (new Android 5.1 OS)

I've had minimal luck with Google's app backup/restore. Sometimes it works, sometimes it doesn't. If you don't care about app settings, then there is no reason to back them up. On the other hand, Google's data backup/restore works great. Also, I would do the factory reset as I describe, as you need ...
by nordlead
Fri Jun 26, 2015 10:36 am
Forum: Personal Consumer Issues
Topic: Do you buy used cars like a Boglehead actually should?
Replies: 168
Views: 25284

Re: Do you buy used cars like a Boglehead actually should?

We've always driven used cars and have never bought new. We're in the market for a minivan (two young kids and one likely soon to be on the way). What I've found in at least in this sphere is that name makes all the difference. We have been looking at Toyota, Honda, and Chrysler. All retail for aro...
by nordlead
Fri Jun 26, 2015 10:29 am
Forum: Personal Consumer Issues
Topic: Unauthurized Credit Inquires
Replies: 5
Views: 1036

Re: Unauthurized Credit Inquires

According to the FCRA, a person can access your credit report only if: ⋅ A court has ordered that the credit information be shared. ⋅ That person is a lender and you are applying for some form of credit. A creditor may also pull your report if you currently have an account open w...
by nordlead
Fri Jun 26, 2015 10:19 am
Forum: Personal Consumer Issues
Topic: Squirrel nemesis
Replies: 60
Views: 9300

Re: Squirrel nemesis

OP: You stated "Eco-friendly" - not sure if you meant "animal-freindly". I had some mice in a woodpile a few years ago and put some rate poison trays in the wood pile. It killed the mice but I also found a dead squirrel near by. So mouse poison may do the trick if you don't want...
by nordlead
Fri Jun 26, 2015 9:47 am
Forum: Personal Consumer Issues
Topic: Annoying problem with Lollipop (new Android 5.1 OS)
Replies: 52
Views: 8968

Re: Annoying problem with Lollipop (new Android 5.1 OS)

Interesting that the instructions on the Moto link are actually incorrect. It says to press the vol up button for 10-15 seconds and tap the Power key to initiate the recovery menu options. Actually, you have to press the power key and then tap the vol up key, as detailed here: http://www.gottabemob...
by nordlead
Fri Jun 26, 2015 9:45 am
Forum: Investing - Help with Personal Investments
Topic: Emergency Funds - Money Market vs Savings Acct?
Replies: 7
Views: 1510

Re: Emergency Funds - Money Market vs Savings Acct?

Well, Money Market Deposit accounts (FDIC insured) are not the same as Money Market Funds (not FDIC insured). Money Market Deposit accounts at a traditional bank often offered better rates and more features (at least in the past, I'm not so sure that is true any more). At an online bank, there is of...
by nordlead
Fri Jun 26, 2015 9:17 am
Forum: Personal Consumer Issues
Topic: Annoying problem with Lollipop (new Android 5.1 OS)
Replies: 52
Views: 8968

Re: Annoying problem with Lollipop (new Android 5.1 OS)

bpp wrote:Dumb question. How does one find out what version of Android one is running? I noticed my icons changed last week. Does that mean it upgraded?

Go to Settings->About Phone->Android Version.
by nordlead
Fri Jun 26, 2015 8:49 am
Forum: Personal Consumer Issues
Topic: Annoying problem with Lollipop (new Android 5.1 OS)
Replies: 52
Views: 8968

Re: Annoying problem with Lollipop (new Android 5.1 OS)

Thanks for the update. I restarted my phone this morning and the problem is still there. I cleared the cache yesterday but didn't cure it. Since I'm no expert, what are the steps to doing a factory reset and backing up? Will I then have to download and install 5.1 again? I'm afraid the problem migh...
by nordlead
Fri Jun 26, 2015 8:03 am
Forum: Personal Consumer Issues
Topic: Squirrel nemesis
Replies: 60
Views: 9300

Re: Squirrel nemesis

Check with your animal control department about borrowing a squirrel trap. This is a spring triggered cage that closes when the squirrel touches the bait. Then take him for a five mile "ride" and turn him loose. There have been cases of squirrels returning from 25 miles away (straight cou...
by nordlead
Fri Jun 26, 2015 7:55 am
Forum: Personal Consumer Issues
Topic: Squirrel nemesis
Replies: 60
Views: 9300

Re: Squirrel nemesis

If you take extreme prejudice, make sure you read your local laws. In my area, if you catch and release it has to be on your own property (on public property is illegal, and you have to have permission on someone else's, and even then I don't know if you can transport them without a license). Even i...
by nordlead
Thu Jun 25, 2015 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Home renovation funding
Replies: 51
Views: 5932

Re: Home renovation funding

$600k would build my 2ksqft home from scratch 3x :shock:

skteam wrote:When you take what we paid for the house and add what it will cost to renovate it, our basis in the house will be significantly below its current marketable value.


If that is the case, then get a HELOC as you should have plenty of equity to tap.
by nordlead
Thu Jun 25, 2015 2:09 pm
Forum: Personal Consumer Issues
Topic: What happens if new cars are hailed on in dealer's lot?
Replies: 16
Views: 3046

Re: What happens if new cars are hailed on in dealer's lot?

No one, including the dealer, is making a huge amount on this. Insurance companies don't pay out more than they have to. Exactly. The repair shops make out and that is about it (if the cars get repaired that is) as it is more work created by a storm. But they have to do real work. If work was slow ...
by nordlead
Thu Jun 25, 2015 9:35 am
Forum: Personal Consumer Issues
Topic: Just bought a new couch [0% interest on purchase]
Replies: 14
Views: 1658

Re: Just bought a new couch [0% interest on purchase]

Personally, I'd setup an auto-pay for the minimum, and then have it pay the balance on the 35th month (just to make sure there are no stupid rules that kick in and cost me interest on the original balance). If that wasn't an option (for whatever reason), I'd go for pay it all now as it isn't worth ...
by nordlead
Thu Jun 25, 2015 9:26 am
Forum: Personal Consumer Issues
Topic: Annoying problem with Lollipop (new Android 5.1 OS)
Replies: 52
Views: 8968

Re: Annoying problem with Lollipop (new Android 5.1 OS)

pochax wrote:does your phone use a microSD card and do you have apps on it? i have this issue with my Nvidia Shield tablet and i read online that it is because it needs to optimize any apps on the SDcard.


Moto X (1st and 2nd gen, and any device by Google really) doesn't support SD cards.
by nordlead
Thu Jun 25, 2015 9:22 am
Forum: Personal Consumer Issues
Topic: Annoying problem with Lollipop (new Android 5.1 OS)
Replies: 52
Views: 8968

Re: Annoying problem with Lollipop (new Android 5.1 OS)

Something is probably corrupted. Hopefully a cache wipe or a factory reset will fix it. At least with the MotoX you should be able to re-install android 5.1 if it comes down to it. It is a little complicated, but there are tools that make it fairly foolproof. EDIT: before you do a factory reset, you...
by nordlead
Thu Jun 25, 2015 9:17 am
Forum: Personal Consumer Issues
Topic: Annoying problem with Lollipop (new Android 5.1 OS)
Replies: 52
Views: 8968

Re: Annoying problem with Lollipop (new Android 5.1 OS)

I don't understand why the optimization process would have to repeatedly rerun, overnight or otherwise. The previous update I installed went through the process only once during installation. I always turn the phone off overnight to save battery life, since I don't need to have it on. The optimizat...
by nordlead
Thu Jun 25, 2015 8:43 am
Forum: Personal Consumer Issues
Topic: Annoying problem with Lollipop (new Android 5.1 OS)
Replies: 52
Views: 8968

Re: Annoying problem with Lollipop (new Android 5.1 OS)

the easy solution is stop turning off your phone. I only reset my phone if it is acting up (for example, an app is getting stuck and draining the battery). Outside of that, I'm would suggest booting into recovery and clearing the cache. If that doesn't work, the next step would be clearing the cache...
by nordlead
Thu Jun 25, 2015 8:28 am
Forum: Personal Consumer Issues
Topic: 10 year old car
Replies: 27
Views: 4111

Re: 10 year old car

Personally, I'd only paint if there is a risk of it starting to rust. I've never painted any of my cars outside of a roof that started to rust through, and I'm yet to own anything newer than 7 years old. I rarely wash them too (mostly in the spring/winter to get rid of the salt). However, I'm going ...
by nordlead
Thu Jun 25, 2015 8:16 am
Forum: Personal Consumer Issues
Topic: Just bought a new couch [0% interest on purchase]
Replies: 14
Views: 1658

Re: Just bought a new couch [0% interest on purchase]

Personally, I'd setup an auto-pay for the minimum, and then have it pay the balance on the 35th month (just to make sure there are no stupid rules that kick in and cost me interest on the original balance). If that wasn't an option (for whatever reason), I'd go for pay it all now as it isn't worth i...
by nordlead
Wed Jun 24, 2015 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: What percent of your spending is "basic" and what percent is "discretionary"?
Replies: 42
Views: 5142

Re: What percent of your spending is "basic" and what percent is "discretionary"?

Going by categories that are typically considered basic (housing, utilities, food) or discretionary (shopping, restaurants, misc) my breakdown for the last 12 months is 82% basic, 18% discretionary. If you wanted to go into more details, it would probably trend closer to 72%/28%, as the extra princi...
by nordlead
Wed Jun 24, 2015 11:56 am
Forum: Personal Finance (Not Investing)
Topic: tap IRA to pay off CC debt?
Replies: 31
Views: 4717

Re: tap IRA to pay off CC debt?

Citi has a 0% for 21 month with a 3% balance transfer fee card right now (citi simplicity). Personally, I'd just do that and go after it aggressively with regular income. And if you still don't have it paid off by then, then tap the IRA as the amount should be much lower.
by nordlead
Wed Jun 24, 2015 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Bad Credit - Long time Hertz Rental?
Replies: 8
Views: 1889

Re: Bad Credit - Long time Hertz Rental?

A quality used car can be had for ~$1-2k/year in operating costs, much less than the $6k/year rental rate you are quoting. I'd go spend $2k right now and hope you get more than 4 months out of the car. If it passed inspection on the day of purchase you should get at least 1 year out of it, making it...
by nordlead
Mon Jun 22, 2015 12:08 pm
Forum: Personal Consumer Issues
Topic: Blue Apron
Replies: 155
Views: 23252

Re: Blue Apron

For those of you who can't see the appeal at all, do you work full time, commute, do the food shopping, cooking and cleanup? All of that is time consuming and I hate grocery shopping. I work full time and probably cook ~30% of the dinners, and I'm perfectly fine doing the grocery shopping as it is ...
by nordlead
Mon Jun 22, 2015 10:20 am
Forum: Personal Consumer Issues
Topic: Blue Apron
Replies: 155
Views: 23252

Re: Blue Apron

I just don't understand. Those meals cost $1.50-$3 to make yourself and that gives you $7-8.50/waste per person per meal. And if your herbs are going to waste, either learn to cook things that take the same herbs close together, learn to store them, or by dried herbs (sure, not quite as tasty, but l...
by nordlead
Fri Jun 19, 2015 2:15 pm
Forum: Personal Consumer Issues
Topic: Anyone have A/C fail on an older Honda CRV?
Replies: 54
Views: 11583

Re: Anyone have A/C fail on an older Honda CRV?

No manufacturer builds the perfect bulletproof car. Sometimes you get unlucky even with <insert amazing name brand here>. As for cost, who knows. It could be the coolant is low (and therefore the clutch is no longer working), or it could be the compressor sized up. One fix costs $40, the other will ...
by nordlead
Fri Jun 19, 2015 8:59 am
Forum: Personal Consumer Issues
Topic: Pre-approval and credit score
Replies: 5
Views: 1037

Re: Pre-approval and credit score

Anything over a 720 is golden. Credit Karma uses Vantage Score 3.0 (not FICO), and they are typically close, but under certain circumstances they can be significantly different (100 points or more). If you generally have good credit (no late payments, no bankruptcy, no derogatory marks), then they s...
by nordlead
Fri Jun 19, 2015 7:46 am
Forum: Personal Finance (Not Investing)
Topic: Applying for mortgage - How much financial data to reveal?
Replies: 10
Views: 1922

Re: Applying for mortgage - How much financial data to reveal?

What your mortgage company or bank are going to want are the complete (every page) statements for whatever accounts you list as an asset for your mortgage. They will also ask for signed tax returns fro the past 2 years as well as income verification. You can get pre-approved of course without showi...
by nordlead
Thu Jun 18, 2015 8:17 am
Forum: Investing - Help with Personal Investments
Topic: Short term holding cell
Replies: 6
Views: 1171

Re: Short term holding cell

Non-insignificant could be as small as 20k or as big as $200k or more. Either way, 2-3% APR over a 4-month period on $200k is ~$2000. The thing is, you could lose $2000 in those same three months too, even in bonds where everyone is expecting interest rates to rise. If you have to have the money, th...
by nordlead
Wed Jun 17, 2015 12:18 pm
Forum: Personal Consumer Issues
Topic: Any reason not to take the cellphone subsidy?
Replies: 14
Views: 3020

Re: Any reason not to take the cellphone subsidy?

Ting is either Sprint or T-mobile. If you don't want to leave Verizon, then I suggest a Verizon MVNO, like Straight Talk or Page Plus (both of which offer LTE on Verizon). I'm now running both a Sprint and a T-mobile (wife's) cell phone on Ting. I love their service. Anyways, as for not taking the c...
by nordlead
Wed Jun 17, 2015 12:04 pm
Forum: Personal Consumer Issues
Topic: How much do your children cost per month?
Replies: 83
Views: 12987

Re: How much do your children cost per month?

I believe that anyone can eat cheap, but that is pretty impressive (and more likely missing data) for a family of 4. The USDA thrifty food plan (the plans are thrifty, low-cost, moderate-cost, and liberal) for your family of four comes out at $571.00/month, which comes to $1.57/meal, compared to you...
by nordlead
Tue Jun 16, 2015 10:23 am
Forum: Personal Consumer Issues
Topic: Dehumidifier for the laundry, furnace room
Replies: 22
Views: 3829

Re: Dehumidifier for the laundry, furnace room

Seal the vents in the basement and buy a dehumidifier. If any appliances need venting from outside, do that directly rather than venting the entire basement. Basically, the same thing others said. One thing to add, is you can paint the cinder blocks with drylok (or equivalent), which will reduce moi...
by nordlead
Mon Jun 15, 2015 11:54 am
Forum: Personal Consumer Issues
Topic: Gifting Money at Parties
Replies: 220
Views: 21319

Re: Gifting Money at Parties

I understand the concept of at least covering the cost of your plate, but to me that is completely voluntary and should not be expected. In my mind, if they want to pay for a big party that's fine and I'm happy to attend. But to me there is no obligation to help out with paying for their choice of ...
by nordlead
Mon Jun 15, 2015 9:11 am
Forum: Personal Consumer Issues
Topic: Gifting Money at Parties
Replies: 220
Views: 21319

Re: Gifting Money at Parties

Skipped most of the replies, but I disagree with giving $125-200 (cost of plate). I'm in upstate NY, and we paid ~$25/plate for a nice wedding dinner, and I didn't expect people to give me anything at all, but I was thankful if they did. We typically give $70-100 for a wedding, but I haven't gone to...
by nordlead
Mon Jun 15, 2015 8:42 am
Forum: Personal Consumer Issues
Topic: Plumber question
Replies: 28
Views: 4406

Re: Plumber question

You should put a carbon monoxide detector near the water heater and furnace. Even if you get the supposed back draft problem fixed now, that doesn't mean something doesn't clog the chimney later and it becomes a problem. This website has a good guide for checking for backdraft yourself and what to l...
by nordlead
Fri Jun 12, 2015 8:48 am
Forum: Personal Consumer Issues
Topic: Online shopping account hacked
Replies: 22
Views: 4974

Re: Online shopping account hacked

If you don't know your password, how are you logging in? Either: 1) They use their browser's "remember this password" feature. Which is terrible, please don't ever do that. or far more likely 2) They use a password program, that creates, stores and use a random password for you. This is t...
by nordlead
Fri Jun 12, 2015 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Innovis Credit Bureau
Replies: 4
Views: 957

Re: Innovis Credit Bureau

The answer is there are many more than 3 credit bureaus. The thing is most people only care about the big 3 national credit bureaus as those are the ones pulled for consumer CC's, car loans, and mortgages. If you lock those 3, odds are you locked enough credit agencies that any fraudster will find s...
by nordlead
Thu Jun 11, 2015 3:10 pm
Forum: Personal Consumer Issues
Topic: Non-Bogleheads approach to changing cars?
Replies: 44
Views: 6506

Re: Non-Bogleheads approach to changing cars?

Our first two cars were given to us by our parents. Car#1: Oldsmobile Delta 88 (94 I think) - Received in 2005, Donated in 2006 to Rescue Mission due to too much rust repair needed (gas line went, recently fixed break lines, didn't want to put up with it) Car#2: Ford Tempo (94?) - Received in 2002?,...
by nordlead
Thu Jun 11, 2015 12:53 pm
Forum: Personal Consumer Issues
Topic: Tree Trimming Etiquette with Neighbors
Replies: 30
Views: 9345

Re: Tree Trimming Etiquette with Neighbors

My neighbor called the town for a code violation on me while I was actively working on resolving the issue (she didn't even talk to me).... She hasn't mowed in a few weeks now, I'm just waiting for the grass to get tall enough that I can call the town on her Unless your neighbor actively said "...
by nordlead
Thu Jun 11, 2015 10:04 am
Forum: Personal Finance (Not Investing)
Topic: IPhone Financial stuff
Replies: 26
Views: 3812

Re: IPhone Financial stuff

I use my Nexus 5 to access Ally bank and I have used it to access vanguard. For Ally I use echeck deposit, bill pay, money transfers, and everything else on my phone. It is extremely convenient. I haven't even considered doing transactions for Vanguard on my phone. The one time I used the vanguard a...
by nordlead
Thu Jun 11, 2015 9:20 am
Forum: Personal Consumer Issues
Topic: Tree Trimming Etiquette with Neighbors
Replies: 30
Views: 9345

Re: Tree Trimming Etiquette with Neighbors

What state do you live in? m If they are quick growing weed like trees with black berries sounds like they probably have buckthorn growing there. Buckthorn is a nasty invasive weed tree/bush. Where I live you are required to remove any buckthorn as its deemed invasive. You should check with your ci...
by nordlead
Thu Jun 11, 2015 9:17 am
Forum: Personal Consumer Issues
Topic: Online shopping account hacked
Replies: 22
Views: 4974

Re: Online shopping account hacked

The more important thing is using unique secure passwords at every website. I've been storing my CC numbers on all sorts of websites for years and I really am not worried about it. Each website has a unique password that even I don't know. If someone gets in, it is a quick 10 minute call to the CC c...
by nordlead
Wed Jun 10, 2015 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Redeemed paper saving bonds: neither fast nor simple.
Replies: 7
Views: 13767

Re: Redeemed paper saving bonds: neither fast nor simple.

I opened a chase account (free $$$ with deposits on both the savings and checking account) and just deposit all of my EE bonds there.
by nordlead
Wed Jun 10, 2015 1:52 pm
Forum: Personal Consumer Issues
Topic: Cable Cord cutting.. alternatives/ideas? Speed Choices?
Replies: 30
Views: 3832

Re: Cable Cord cutting.. alternatives/ideas? Speed Choices?

While I'm doing the upload at home, the Netflix or Prime TV gets fuzzy/buffers etc. We can't get webpages to load in reasonable time frames. Mike This can easily be resolved by setting a decent router (not anything the cable company provided) with a quality of service setting giving every device a ...
by nordlead
Wed Jun 10, 2015 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Karma
Replies: 16
Views: 3325

Re: Credit Karma

CreditKarma uses the Vantage Score 3.0. This is a legitimate score as much as FICO is, it just isn't nearly as popular (FICO controls like 90% of the credit score market). The important thing with using websites like CreditKarma and CreditSesame though, is that they allow you to check your credit re...
by nordlead
Wed Jun 10, 2015 11:38 am
Forum: Personal Consumer Issues
Topic: Cable Cord cutting.. alternatives/ideas? Speed Choices?
Replies: 30
Views: 3832

Re: Cable Cord cutting.. alternatives/ideas? Speed Choices?

If you have 60GB of pictures and a 1Mbps upload link it will take (under optimal conditions) ~5.98 days. We'll call it 6-7 days. A 5Mbps is 5x as fast, so it'll be close to 1.5 days, but that is assuming that the service (google drive, icloud, etc...) allows you to run at 5Mbps upload for long perio...
by nordlead
Wed Jun 10, 2015 7:58 am
Forum: Personal Consumer Issues
Topic: baby grand piano
Replies: 6
Views: 1525

Re: baby grand piano

A baby grand is 4'11"-5'11", and then you have to add the seat, and some space around the piano. So, at a minimum, the thing is going to take 5'x9', granted some of that 9'ft length will be open due to space needed for the pianist to move the bench and sit down. But, you'll probably want 1...
by nordlead
Wed Jun 10, 2015 7:29 am
Forum: Personal Finance (Not Investing)
Topic: Advice Needed - Has Anyone Chosen Work Life Balance over Extra Money?
Replies: 112
Views: 17018

Re: Advice Needed - Has Anyone Chosen Work Life Balance over Extra Money?

Currently I have an awesome work life balance. 40hr work weeks, flex any time you want with minimal approval, vacation at last minute is almost never a problem, family is always important, etc... You would have to pay me at least 50% more to make me switch to a job that demanded 50hr/week permanentl...
by nordlead
Tue Jun 09, 2015 8:22 am
Forum: Personal Consumer Issues
Topic: Barclay doing away w/ the 2 screen login process
Replies: 9
Views: 1894

Re: Barclay doing away w/ the 2 screen login process

What is the point of the two screen sign on to begin with? Was the additional "security" a log on "picture" that the user selected? Typically (but not always) the second login was a picture and maybe a quote. The idea is that it prevents fishing, as when you enter your username ...
by nordlead
Tue Jun 09, 2015 7:39 am
Forum: Investing - Theory, News & General
Topic: Junk Bond default rates
Replies: 13
Views: 2157

Re: Junk Bond default rates

Does this 2.4% default rate mean the high yield (junk) bond investors lost all of their money? m A default just means the obligation wasn't paid in full as agreed. The 2.4% default rate appears to be in terms of cash value (not number of borrowers) in the high yield market. If an investor was inves...