Search found 67 matches

by OldLearner
Mon Nov 25, 2019 11:34 pm
Forum: Personal Finance (Not Investing)
Topic: New Roof - Covered by Insurance?
Replies: 13
Views: 1705

Re: New Roof - Covered by Insurance?

It's possible there was a loss under the previous owner's insurance that was never filed. It may still be possible to file a claim under the previous owner's insurance depending on the coverage, when the loss happened, and the laws in your state. Start by calling your insurance agent. He/She should...
by OldLearner
Sun Nov 24, 2019 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: New Roof - Covered by Insurance?
Replies: 13
Views: 1705

Re: New Roof - Covered by Insurance?

It's possible there was a loss under the previous owner's insurance that was never filed. It may still be possible to file a claim under the previous owner's insurance depending on the coverage, when the loss happened, and the laws in your state. Start by calling your insurance agent. He/She should ...
by OldLearner
Tue Sep 25, 2018 12:31 am
Forum: Personal Consumer Issues
Topic: $450 for 1.5 hour plumbing job normal?
Replies: 30
Views: 3629

Re: $450 for 1.5 hour plumbing job normal?

Depends on the size of the elbow/pipe. A 4" copper elbow runs about $200.
by OldLearner
Sun Sep 02, 2018 9:59 pm
Forum: Personal Consumer Issues
Topic: How to move Directv box from one room to another without paying directv to come out
Replies: 9
Views: 846

Re: How to move Directv box from one room to another without paying directv to come out

If I remember correctly (it's been a while), the satellite signal comes from the dish into a four or six port hub. Each mini and the main box is connected to that hub. From what you're describing, you have "home runs" to each wall port in the house. All you need to do is determine which cable is is ...
by OldLearner
Sat Sep 01, 2018 10:40 pm
Forum: Personal Consumer Issues
Topic: Help Us Pick a Lot to Build On - Which Neighborhood Option?
Replies: 19
Views: 1993

Re: Help Us Pick a Lot to Build On - Which Neighborhood Option?

Check the covenants on the properties and find out everything you can about the HOA(s) if applicable. A bad HOA or covenants that are too strict (or too lenient) can turn a dream house into a nightmare.
by OldLearner
Sun Apr 22, 2018 3:07 am
Forum: Personal Finance (Not Investing)
Topic: Settlement Offer -- Accept or Wait?
Replies: 66
Views: 8500

Re: Settlement Offer -- Accept or Wait?

Ahhh. Why hasn't this been locked a long time ago? There's a lot of stuff on here that sounds an awful lot like legal advice.... A settlement offer for an auto accident is not a simple financial transaction; it also has a lot of complex legal implications.
-Not a lawyer--but I used to be.
by OldLearner
Sat Mar 03, 2018 10:43 pm
Forum: Personal Finance (Not Investing)
Topic: What will you do with your tax refund?
Replies: 87
Views: 7918

Re: What will you do with your tax refund?

RRAAYY3 wrote:
Thu Jan 25, 2018 2:08 pm
If i do get one - it'll go to an index fund.

Woo. Hoo.
+1 (except the "Woo. Hoo." part. I'd give that a +3)
by OldLearner
Sat Mar 03, 2018 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: how many mortgage application?
Replies: 7
Views: 934

Re: how many mortgage application?

...How many places can one apply to compare different rate and closing costs? Is the key word "can"? I would think you can apply to as many as you want, but we never had to "apply" to get rates and closing costs. The last time we got or refinanced a mortgage, we made eight or so phone calls to get ...
by OldLearner
Sat Mar 03, 2018 1:50 am
Forum: Investing - Theory, News & General
Topic: AAPL, AMZN, or GOOG?
Replies: 95
Views: 11297

Re: AAPL, AMZN, or GOOG?

AMZN - the only one I own, but, RUN as fast as you can. P/E is insane. Known for online sales, BUT DOESN'T MAKE ANY MONEY ON ONLINE SALES (yelling was intentional, by the way). Profits are from web services. So why do I own it? It's called gambling (and it's only about 1% of my net worth). I'm betti...
by OldLearner
Sat Mar 03, 2018 1:26 am
Forum: Personal Consumer Issues
Topic: Furnace / AC Price Options
Replies: 11
Views: 1764

Re: Furnace / AC Price Options

(1) Trane, yes; liked it. Heil, no experience. (2) Trane. Better brand, more efficient (13 vs 16), and more professional. Ten years ago hand the same issue and went with the cheap one (he didn't itemize either) and it was a $8000 mistake. Over 30 service calls in three years. Called a new guy (a guy...
by OldLearner
Sat Mar 03, 2018 12:49 am
Forum: Personal Finance (Not Investing)
Topic: What was your % pay raise?
Replies: 179
Views: 22293

Re: What was your % pay raise?

No raise; increase in healthcare cost is an effective 1% pay decrease; overtime cut by 50%--overall, it's about a 18% annual pay cut; not a good time to be a state employee, but it will make it easy to walk away when eligible for a pension.
by OldLearner
Sun Feb 18, 2018 1:10 am
Forum: Personal Consumer Issues
Topic: Washer/Dryer longevity ?
Replies: 69
Views: 8514

Re: Washer/Dryer longevity ?

Generally speaking we’ve been quite disappointed with new appliances in comparison with the ones that they’ve replaced. New front load high efficiency washer and dryer purchased in 2013 don’t work as well as economy top load versions purchased in 2003. The “high efficiency” characteristics have onl...
by OldLearner
Wed Jan 24, 2018 9:51 pm
Forum: Personal Consumer Issues
Topic: Pizza delivery asked for security code on my credit card with order
Replies: 50
Views: 11720

Re: Pizza delivery asked for security code on my credit card with order

Don't you have to provide security code when you order stuff online sometimes? What's the difference? There are bad employees everywhere. TravelforFun The difference for me is that when I order online, I do not expect the code to be seen by any human being. It may even be verified by a separate ent...
by OldLearner
Sun Jan 21, 2018 11:23 pm
Forum: Personal Finance (Not Investing)
Topic: Bankruptcy questions
Replies: 16
Views: 1809

Re: Bankruptcy questions

She cant work out a discount on medical bill and a payment plan to avoid bankruptcy. I would literally tell the medical bill folks if you can not work out some plan and discount I am going for bankruptcy and you will get nothing. It should motivate them to take action. +1 Definitely worth a try. Ha...
by OldLearner
Sat Jan 20, 2018 10:28 pm
Forum: Personal Consumer Issues
Topic: Car Stereo Questions
Replies: 25
Views: 2490

Re: Car Stereo Questions

I like crutchfield.com, but the comment that you don't know much about car radios concerns me. Installing isn't rocket science, but it isn't a snap either. If you don't plan to install yourself, I'd recommend a local (independent) car stereo shop. Six years ago, I had a mid-level Clarion head unit i...
by OldLearner
Tue Oct 10, 2017 12:21 am
Forum: Personal Finance (Not Investing)
Topic: Sell or keep shares of a private company?
Replies: 46
Views: 4055

Re: Sell or keep shares of a private company?

(Warning: This response contains a very non-Boglehead recommendation. You might want to get the children out of the room.) In 1999 the founders of Google tried to sell the company for $1,000,000 to Excite.com. Excite passed, and the rest, as they say, is history. It sounds like you bought a $20,000 ...
by OldLearner
Tue Oct 03, 2017 10:03 pm
Forum: Personal Consumer Issues
Topic: Do I replace AC evaporative coil or get a new unit?
Replies: 26
Views: 2522

Re: Do I replace AC evaporative coil or get a new unit?

My AC is 7 years old (live in Texas). The evaporative coil has a bad leak and does not hold refrig. and thus will not cool properly. The estimate to replace parts & labor is $3k. A new unit will probably costs $6-8k depending on the type unit. If the unit was 10 years or older I would automatically...
by OldLearner
Fri Sep 29, 2017 11:40 pm
Forum: Personal Consumer Issues
Topic: What will happen if I refuse to pay a medical bill?
Replies: 125
Views: 12112

Re: What will happen if I refuse to pay a medical bill?

Had a problem a lot like this three years ago. $800 for blood tests I was told was completely covered. Called the office and asked to talk to someone in authority. Calmly but very (VERY) firmly stated my case. About an hour after the conversation, received a call back from the lady. She said the cla...
by OldLearner
Sun Mar 05, 2017 12:44 am
Forum: Personal Finance (Not Investing)
Topic: Question for Retired Members--life mistakes
Replies: 64
Views: 11381

Re: Question for Retired Members--life mistakes

It isn't my story, but one I cannot forget, and it has probably altered my life. In the first year or two of my legal practice, I had a pro bono client, a widow in her 70s. Her home was being foreclosed on, and a local non profit had sent her to me to see if there were any options to save her house....
by OldLearner
Sat Mar 04, 2017 11:33 pm
Forum: Personal Consumer Issues
Topic: furnishing an entire apartment
Replies: 12
Views: 1673

Re: furnishing an entire apartment

It would depend on how long you're planning to stay and how far you'll move afterward. Years ago in graduate school, I moved across the country taking almost nothing with me and let the apartment manager know I was looking for furniture. Within a few months I has an apartment full of decent stuff--s...
by OldLearner
Sun Jan 08, 2017 10:17 pm
Forum: Personal Consumer Issues
Topic: What happens to Sam's Club Mastercard if Sam's Club membership lapses?
Replies: 8
Views: 2520

Re: What happens to Sam's Club Mastercard if Sam's Club membership lapses?

What happens to Sam's Club Mastercard if Sam's Club membership lapses? We've had both for some years but are thinking of dropping Sam's Club membership. I'm wondering what happens to the credit card, especially from anyone who has done this. According to NerdWallet, the rebate only redeemable at Sa...
by OldLearner
Sat Dec 17, 2016 10:39 pm
Forum: Personal Consumer Issues
Topic: If a tree falls
Replies: 68
Views: 7393

Re: If a tree falls

the power is a problem. The power line is down. It is a hazard. The power company said they would come by 11. At 6 pm I asked them to come tomorrow, since once they get here, I'll lose power, and I'll need the electrician to hook the power back up. If he isn't here when they come, I'll need to wait...
by OldLearner
Sat Oct 29, 2016 8:08 pm
Forum: Personal Consumer Issues
Topic: Are Menards ADA compliant toilets really compliant?
Replies: 3
Views: 1646

Re: Are Menards ADA compliant toilets really compliant?

Yes, it's measured from the floor to the top of the seat (about half way down on https://www.ada.gov/accessiblecells.htm). The link includes other design requirements as well.
by OldLearner
Wed Oct 26, 2016 10:06 pm
Forum: Personal Consumer Issues
Topic: What podcasts do you listen to?
Replies: 67
Views: 11794

Re: What podcasts do you listen to?

Lots of good stuff here. The only one I really like that I didn't see mentioned (maybe I missed it) is the TED Radio Hour. Sometimes financial, but usually not. Still a good listen.
by OldLearner
Mon Aug 08, 2016 12:35 am
Forum: Personal Consumer Issues
Topic: Experience Living in an Old House?
Replies: 42
Views: 5158

Re: Experience Living in an Old House?

What are we getting into? You'll never know for sure until you're there. I LOVE old houses. They have a spirit (feel) you won't find in a new house. BUT they can be a money pit. In a house that old, nothing is standard, and everything cost more than it would cost in a newer house. We had to take ou...
by OldLearner
Fri Jun 03, 2016 10:08 pm
Forum: Personal Consumer Issues
Topic: Sudden spam explosion in my inbox
Replies: 15
Views: 2838

Re: Sudden spam explosion in my inbox

I use (mainly) gmail and I've had a noticeable uptick in spam in the past week or so. I usually get none; I've been getting one, two, or three most days.
by OldLearner
Sat May 28, 2016 1:07 am
Forum: Personal Consumer Issues
Topic: Insulating the attic
Replies: 26
Views: 3088

Re: Insulating the attic

How did you come up with a cost of only 10 cents per square foot? Is that the labor? How much for the insulation? jimb That was the insulation cost I saw quoted on Home Depot - I may have miscalculated the price. I think you might have a misplaced decimal point: The retail price for R38 fiberglass ...
by OldLearner
Tue May 03, 2016 11:25 pm
Forum: Personal Consumer Issues
Topic: Pea gravel as paver patio alternative
Replies: 28
Views: 7020

Re: Pea gravel as paver patio alternative

Thanks for all the responses. Really helpful. I agree its not the best option but I want to keep it on the cheap side (under 600 bucks). Area is about 150 to 200 Sq Ft. [...] I am educated about pea gravel and will not use it. But I think I will use the river rock with flagstone option for now. [.....
by OldLearner
Tue May 03, 2016 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: Whole Life Insurance - hold or cash out?
Replies: 21
Views: 3253

Re: Whole Life Insurance - hold or cash out?

p.s. It is likely best to drop the policy, go to a term policy, and find a better friend. I would only disagree with the order: 1. Find a better friend. 2. Get a term policy. 3. Drop the whole life policy. If you're single, you probably haven't needed life insurance up to this point. Getting marrie...
by OldLearner
Mon Mar 21, 2016 10:55 pm
Forum: Personal Finance (Not Investing)
Topic: Setting up an LLC for a small business
Replies: 29
Views: 3759

Re: Setting up an LLC for a small business

This discussion makes me wince. Am I the only one? (And I don't intend for this to sound mean--I hope it doesn't.) Several people here are acting like a corporation and an LLC (Limited Liability Company--NOT Corporation) are the same thing...and they're NOT. They have some common elements, but they ...
by OldLearner
Sat Mar 19, 2016 10:58 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken For Mac
Replies: 21
Views: 2452

Re: Quicken For Mac

Overall what are the thoughts and feedback on Quicken for Mac? Started using Quicken around 1995. Switched to a Mac about five or six years ago and ran the Windows version of Quicken in Parallels until about two years ago when I switched to the Mac version. The install and data conversion was ok. O...
by OldLearner
Tue Mar 01, 2016 9:34 pm
Forum: Personal Consumer Issues
Topic: Aldi now accepts credit cards!!!
Replies: 65
Views: 10010

Re: Aldi now accepts credit cards!!!

pennstater2005 wrote:I'm really excited about this. It's the only place I use a debit card at.

http://www.cleveland.com/business/index ... accep.html
Is there a surcharge? Aldi has been accepting CCs here for a while, but charged a surcharge (which VISA and M/C now allows).
by OldLearner
Mon Feb 22, 2016 2:38 am
Forum: Personal Finance (Not Investing)
Topic: Is there a risk of having too much equity in home?
Replies: 25
Views: 5371

Re: Is there a risk of having too much equity in home?

hoeboe wrote:...Where we live, the total of all liens cannot exceed 80%....
Are there jurisdictions in the US that limit liens to 80%? I know some (many) institutions won't loan more than that, but do such laws exist? What if the property loses value? Are liens in excess of 80% invalid?
by OldLearner
Mon Feb 22, 2016 2:28 am
Forum: Personal Finance (Not Investing)
Topic: What Are Things I Should Consider In Leaving Private Sector For Federal Job (FDA Pharmacist)?
Replies: 17
Views: 2762

Re: What Are Things I Should Consider In Leaving Private Sector For Federal Job (FDA Pharmacist)?

I am single, 29 and I live in Florida. I still currently rent and have no debt. I am currently working as a pharmacist in a closed door setting.... Do you want to live in the DC area? Where are you from? Where are your people? As a pharmacist, you can make $100k-$120k just about anywhere in the cou...
by OldLearner
Thu Feb 18, 2016 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: Division of assets in divorce
Replies: 28
Views: 4402

Re: Division of assets in divorce

I have no clue what the real situation is, but you shouldn't be trying to convince your sister to get divorced. I mean no offense, but I wasn't asking for opinions on that subject. [snip] I could be wrong, but I think that people might be reacting to your words ("Trying to convince my sister to lea...
by OldLearner
Sun Feb 07, 2016 3:07 am
Forum: Personal Consumer Issues
Topic: Renting Bobcat
Replies: 12
Views: 1803

Re: Renting Bobcat

This is my rear yard, and I'm located in New York City, there are absolutely no underground cables/electric/gas in the rear. There is also no septic tanks or anything like that. [...] Also, would it be ridiculous if I put down a blue tarp in my driveway to potentially lessen marks from the bobcat? ...
by OldLearner
Sun Jan 24, 2016 1:36 am
Forum: Personal Finance (Not Investing)
Topic: Better to be Paid on W-2 or as an Independent Contractor?
Replies: 15
Views: 4000

Re: Better to be Paid on W-2 or as an Independent Contractor?

Regarding liability: It wasn't specifically asked, but did come up in a couple posts. Since we're talking about professional liability here, as a general rule, W-2 vs independent contractor vs LLC vs professional corporation is a non-issue. Professionals are personally liable for malpractice no matt...
by OldLearner
Sat Jan 23, 2016 12:19 am
Forum: Personal Finance (Not Investing)
Topic: TaxAct Plus vs TurboTax vs H&R Block for 2015
Replies: 117
Views: 15919

Re: TaxAct Plus vs TurboTax vs H&R Block for 2015

TurboTax for many (25+?) years. Just bought H&R Block. Not really sure why, but it seems to be a trend here.
by OldLearner
Fri Nov 27, 2015 9:18 pm
Forum: Personal Consumer Issues
Topic: How do high earners get rid of their junk?
Replies: 59
Views: 11258

Re: How do high earners get rid of their junk?

I'm not sure I qualify as a "high earner" (compared to the people who frequent here), but as income/net worth increased, we've given more stuff away. Garage sales/Craig's List/eBay doesn't seem worth the time/risk/trouble.
by OldLearner
Sat Nov 07, 2015 10:11 pm
Forum: Personal Consumer Issues
Topic: Amazon Pricing of Product at different prices
Replies: 28
Views: 4292

Re: Amazon Pricing of Product at different prices

Has anyone tried Jet.com as an alternative to Amazon? The items from OP's links seem to be lower cost at Jet.com. Jet seems to offer a slight price reduction if multiple quantities are ordered and another reduction if you waive returns. Tried it once. Wasn't pretty. I didn't get what I ordered, and...
by OldLearner
Sat Nov 07, 2015 10:05 pm
Forum: Personal Consumer Issues
Topic: Amazon Pricing of Product at different prices
Replies: 28
Views: 4292

Re: Camels all the way down

daveatca wrote:
ShiftF5 wrote:Visit http://www.camelcamelcamel.com
Highly recommended.
+1
by OldLearner
Sat Nov 07, 2015 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: Homeowners Insurance Claim Question
Replies: 10
Views: 1620

Re: Homeowners Insurance Claim Question

I'd get the work done: 1. If there is a mortgage, not fixing could violate the terms of the mortgage. (If there is a mortgage, the check might actually be made out to both the mortgage company and the owner. 2. The actual cost of repair might be higher than the check, and after then deal closes, get...
by OldLearner
Sun Nov 01, 2015 1:57 am
Forum: Personal Consumer Issues
Topic: Home warranties - worth it?
Replies: 14
Views: 2185

Re: Home warranties - worth it?

From listening to the complaints of people who would have purchased them I would never buy one. +1 I hear really bad things about most of these companies. Plus, the long-term-big-picture-everyone-included expected outcome is negative. Generally, I only buy insurance on things I absolutely cannot af...
by OldLearner
Thu Oct 22, 2015 10:08 pm
Forum: Personal Consumer Issues
Topic: Guilty pleasures?
Replies: 123
Views: 18097

Re: Guilty pleasures?

Tools. All kinds of tools. For everything. For anything. TOOLS!!! Thousands of dollars worth of tools. [Insert evil laugh here.] I once made a living with tools, but don't anymore. Back then I couldn't afford anything cool. Now I can. And I do. It's the main reason we bought our house--it has a six-...
by OldLearner
Thu Oct 22, 2015 9:51 pm
Forum: Personal Investments
Topic: Bogleheads! I'm here to correct my ways!
Replies: 18
Views: 2428

Re: Bogleheads! I'm here to correct my ways!

Ok, I've written this and deleted it three times, but I fully intend to press "submit" this time (although I reserve the right to come back and delete it later). While I'm not a huge Dave Ramsey fan (no haters please, from either side), I think this is one of those times where he might have a lot of...
by OldLearner
Sun Jul 26, 2015 1:33 am
Forum: Personal Finance (Not Investing)
Topic: Closing Costs with No Bank Loan
Replies: 9
Views: 1825

Re: Closing Costs with No Bank Loan

The processing fee ($795) is to complete the paperwork--it (or some portion of it) will be included in the real estate attorney's fees. The same is true with the settlement/closing fee to closing agent ($450). Since there is no lender's coverage for title insurance, you can delete that ($265) along ...
by OldLearner
Thu May 28, 2015 11:43 pm
Forum: Personal Finance (Not Investing)
Topic: My son needs a double lung transplant
Replies: 41
Views: 8876

Re: My son needs a double lung transplant

Thank you all for your responses. This is truly an amazing forum! I think that there was a misunderstanding, or miscommunication on my son's part regarding how the fee works. He is not always operating with a clear head these days. I received information via private message that should help find on...
by OldLearner
Tue May 26, 2015 10:33 pm
Forum: Personal Consumer Issues
Topic: HVAC Questions - Straight AC vs Heat Pump
Replies: 27
Views: 10042

Re: HVAC Questions - Straight AC vs Heat Pump

Living in mid-southern Florida, 96-98% of my annual heating and air conditioning expenses are for air conditioning. 2-4% is for heating. ... When it gets cold outside, 40 or less at night, which happens 2-6 weeks per year - tops, the heat pump doesn't work anyway. Heat pumps stop working at around ...
by OldLearner
Sun May 24, 2015 8:05 pm
Forum: Personal Consumer Issues
Topic: Home Remodel: Lowe's or Other Local Contractors?
Replies: 19
Views: 9868

Re: Home Remodel: Lowe's or Other Local Contractors?

Don't all 50 states have a HI Commission and a surety fund? I know MD does. Everyone here knows to check first and verify the contractor is not only licensed by the state but currently in good standing with the Commission (no pending cases against the company).... Ahhh. Nope. Never heard of such a ...
by OldLearner
Sun Apr 26, 2015 10:59 pm
Forum: Personal Finance (Not Investing)
Topic: Ethical [Compensation based on sales]
Replies: 67
Views: 7206

Re: Ethical

Since the managers know about it, it is hard to claim its an "ethical" violation. It is more of an intra-corporate power struggle.... I'm not sure managers having knowledge of this makes it ethical. More likely the managers are unethical too. It all depends on whether the salaried employee is excee...