Search found 420 matches

by jbuzolich
Sun Dec 18, 2022 8:15 pm
Forum: Personal Consumer Issues
Topic: Drilling into stucco/cement siding
Replies: 36
Views: 3272

Re: Drilling into stucco/cement siding

I have found masonry bits work better at slightly slower speeds so maybe try the lower speed gear if your drill has one. My standard drills though were almost worthless even with a masonry bit. Soon as I tried my first hole with a compact hammer drill, I understood what a difference I was missing. Hammer drill would be your small upgrade and good for the small anchors you're talking about. SDS hammer drill is next step up from there and might be overkill but if you have one then give it a go and be careful not to drill more than you need.
by jbuzolich
Sat Dec 03, 2022 9:31 am
Forum: Personal Finance (Not Investing)
Topic: amica slow to deal with other insurance company?
Replies: 20
Views: 1641

Re: amica slow to deal with other insurance company?

We've had Amica for years, including multiple claims, and highly recommend them. Payouts were very quick. Resolving claims though does often take time depending on documentation and complexity. The lack of police documents in the situation described might add delays. Our last accident took nearly a year to close out and that was with clear reports from the highway patrol in our favor. The large payout on the car was near instant but the remaining items on payout value negotiation, injuries, lost work, each took months and most of that was the carriers contacting me multiple times each week. I think we considered it closed about 10 months after the crash.
by jbuzolich
Tue Oct 18, 2022 11:55 am
Forum: Personal Consumer Issues
Topic: Will Google pay with Discover card work at Costco?
Replies: 35
Views: 4821

Re: Will Google pay with Discover card work at Costco?

Costco USA locations are Visa only currently
by jbuzolich
Mon Oct 03, 2022 11:29 pm
Forum: Personal Finance (Not Investing)
Topic: California K-12 educators - CalSTRS & CalPERS plans
Replies: 4
Views: 639

Re: California K-12 educators - CalSTRS & CalPERS plans

These would all be questions to ask the HR person at the district where she will be working. The pension formula is different from one district to the next and the eligibility rules, or whether they participate in all or some of the supplemental programs, will also be different from one district to the next. My wife is STRS and I'm PERS. Any neighboring county or city jobs I look at have significantly different pension formulas and rules even though they all have reciprocity with my current job and coverage.
by jbuzolich
Sat Oct 01, 2022 8:47 am
Forum: Personal Consumer Issues
Topic: YouTube Premium or other options
Replies: 26
Views: 2345

Re: YouTube Premium or other options

If you watch a consistent source, say a particular channel or business, you could also share your concerns with them. I jokingly complained about the number and length of ads on a channel streaming animals that is run by friends of mine. He took it seriously though and went in right away to adjust his settings. Still ads there but fewer and shorter. The content creators do have some control over how they monitize their channel.
by jbuzolich
Thu Sep 29, 2022 7:42 pm
Forum: Personal Consumer Issues
Topic: Which is the best pizza in a chain store?
Replies: 110
Views: 9927

Re: Which is the best pizza in a chain store?

Costco is great. Domino's is nice enough and unbeatable prices. Also love Mod Pizza
by jbuzolich
Wed Sep 21, 2022 8:32 am
Forum: Personal Investments
Topic: ~500k for housing and where to put cash....
Replies: 16
Views: 1923

Re: ~500k for housing and where to put cash....

General consensus on these boards is that if you have a definite plan for the money a few years out then it should not really be in investments such as stocks or bonds. Just pick something simple such as savings account, no penalty CDs, or short duration Treasury bills. We might be in a similar situation soon with cash to hold for the next house which could be anywhere from six months to five years out. I'll likely have the cash in our Ally savings or short Treasury bills to earn something, even knowing inflation still eats at it.
by jbuzolich
Tue Aug 09, 2022 9:38 pm
Forum: Personal Consumer Issues
Topic: Best mini split manufacturers- Mitsubishi? LG? (San Diego)
Replies: 26
Views: 2515

Re: Best mini split manufacturers- Mitsubishi? LG? (San Diego)

I have personal experience with Mitsubishi and Fujitsu ductless mini split systems and both have been great. Our Fujitsu install is 8 years old and still going great.
by jbuzolich
Sat Aug 06, 2022 8:45 am
Forum: Personal Consumer Issues
Topic: Best Place to Kayak Lake Tahoe
Replies: 9
Views: 994

Re: Best Place to Kayak Lake Tahoe

OpenMinded1 wrote: Sat Aug 06, 2022 4:08 am My wife said there are clear kayaks available. Has anybody tried them? Should we get one of those instead of a regular one?
Our 11 year old son just did the clear kayaks this week with my mom and stepdad while visiting before school starts again. They loved it.
by jbuzolich
Wed Jul 13, 2022 8:56 pm
Forum: Personal Consumer Issues
Topic: Google Pixel 6. Opinions?
Replies: 59
Views: 6234

Re: Google Pixel 6. Opinions?

I was on a 3a and was waiting for the 6a release to upgrade. My daughter broke the screen a month ago and I was just trying to last it out. 6a pricing I believe was announced at $450 but Google sent me a discount code unprompted which made the straight pixel 6 only $480. $30 different than what I was prepared to pay and I didn't have to wait for the 6a launch. Been great so far. I don't like the fingerprint reader in screen but otherwise it's been very nice. Larger than my old phone so I'm still getting used to holding it.
by jbuzolich
Tue Jun 21, 2022 8:40 am
Forum: Personal Consumer Issues
Topic: Why are Crocs shoes so expensive? How can I get something similar at a reasonable price?
Replies: 38
Views: 4486

Re: Why are Crocs shoes so expensive? How can I get something similar at a reasonable price?

Kids in elementary school have gone fanatical for Crocs in our area. They are definitely the must have must wear item to wear daily. Competition and status with peers over what colors you have and which charms you buy to decorate the holes. It's crazy listening to them but reminds me of sports shoes when I was in school in the 80s and 90s.
by jbuzolich
Sat May 14, 2022 10:58 am
Forum: Personal Consumer Issues
Topic: Apple CarPlay
Replies: 44
Views: 3263

Re: Apple CarPlay

We're in the Android auto camp but same idea. Love having the option. My Subaru has nav but I never use the embedded one anymore since Android auto is so much better. I run it with my destination set even going around town. Love how it looks ahead and offers faster routes. Has saved us many times getting to sports practice while traveling through larger towns at the tail end of commute time.
by jbuzolich
Fri Apr 08, 2022 1:10 pm
Forum: Personal Consumer Issues
Topic: Federal Tax Rebate for electric cars. Arbitrage?
Replies: 13
Views: 1479

Re: Federal Tax Rebate for electric cars. Arbitrage?

People posted about doing this a few years ago with a couple model of hybrid vehicles rather than all electric. I don't remember the exact figures but the general concept was by a Honda or Toyota specific model hybrid on promo that had tax credits say for $36,000, total out the door including taxes, take a $6,000 tax credit, drive the vehicle for 8 to 10 months and then used car places like CarMax were still offering to buy at around $32,000 because the demand for the car was so high. A couple people been posted stories, unverified of course, but sounded like they had done that multiple years in a row and floated the question about whether it would just continue? They essentially were making around a 1500 to $2,000 profit each yearly cycle ...
by jbuzolich
Fri Apr 01, 2022 7:42 am
Forum: Personal Finance (Not Investing)
Topic: Car for vacation home
Replies: 20
Views: 4269

Re: Car for vacation home

You definitely don't want to let a vehicle sit like that. If it is going to stay there then plan on hiring someone to go drive it around for an hour each week. I'd look at rentals probably. Might be fun to try new cars for a couple months each year.
by jbuzolich
Sat Mar 05, 2022 8:29 am
Forum: Personal Consumer Issues
Topic: Good Value/Good Quality Men's Belt
Replies: 49
Views: 5606

Re: Good Value/Good Quality Men's Belt

Most belts fall apart on me within a couple years. Recently got a basic belt from Main Street Forge that I'm really happy with. I knew it was a good start when I opened the package and had the nice leather smell for a couple days. Solid construction and I think it will last a very long time.
by jbuzolich
Thu Mar 03, 2022 7:28 am
Forum: Personal Finance (Not Investing)
Topic: Advice on Structuring an “everybody wins” private mortgage
Replies: 9
Views: 1283

Re: Advice on Structuring an “everybody wins” private mortgage

As others have commented on earlier, what is described here does not avoid taxes already due unless there are some other details not described. If the parents owned 20% then taxes are due already on those profits. Whether another property is purchased later or if they use money to issue another loan is a separate decision and does not change taxes on the already completed sale.
by jbuzolich
Sun Feb 27, 2022 7:09 pm
Forum: Personal Consumer Issues
Topic: How do YOU cook your Prime Rib?
Replies: 19
Views: 2141

Re: How do YOU cook your Prime Rib?

Alton Brown approach is my only way now. Try to dry age a few days covered with a clean dish towel each day. Season the day before with a good amount of salt. Let sit room temperature a few hours before roasting. Slow roast at low temperature until it hits about 125F. I would prefer it more rare but the rest of the family likes it more cooked so this is a compromise. Rest covered until we're close to eating. Blast at 500F for a few minutes when we're ready to eat.
by jbuzolich
Tue Feb 22, 2022 9:59 pm
Forum: Personal Consumer Issues
Topic: Tequila and Orange Liquor for Margaritas
Replies: 50
Views: 5059

Re: Tequila and Orange Liquor for Margaritas

+1 for El Jimador. My standard tequila and reposado almost always available under $20 for 750ml. Anejo often not more than $25. For mix I love the Costco non-alcoholic mix. It's just simple lime juice, water, and sugar. Inexpensive and great for drinking or cooking with.
by jbuzolich
Sun Feb 20, 2022 7:08 pm
Forum: Personal Consumer Issues
Topic: How do YOU cook your steak?
Replies: 149
Views: 15645

Re: How do YOU cook your steak?

If I'm in a hurry then preheat grill well and sear both sides a few minutes then rest on a plate and enjoy. I like it medium rare at most. If it's a thicker cut then I like reverse sear method of seasoning and then roasting in low oven around 250F till it's around 120-125F internal temp. Let sit till it's close to eating time then sear a minute on each side at whatever the hottest heat source around is that I can find.
by jbuzolich
Thu Feb 17, 2022 8:39 pm
Forum: Personal Consumer Issues
Topic: Are we freaks? Anyone else take photos of prices on grocery shelves?
Replies: 95
Views: 9994

Re: Are we freaks? Anyone else take photos of prices on grocery shelves?

I assumed by big-w the original poster meant Walmart maybe I'm wrong. Anyway at our Walmart I need to start doing something because every single grocery trip we go there at least 2 to 3 items ring up with the wrong price. I haven't bothered to spend the time trying to correct it but there should be some recourse
by jbuzolich
Wed Jan 19, 2022 8:22 am
Forum: Personal Finance (Not Investing)
Topic: Starting a LLC for side gig - solo 401k
Replies: 15
Views: 1626

Re: Starting a LLC for side gig

A search might help show some previous answers to similar questions. Short summary though, you do not need an LLC to have business expenses and revenue. You just need to clearly track it and report accordingly on your taxes and elsewhere. The business does not require an LLC in order to exist.
by jbuzolich
Mon Dec 27, 2021 7:18 pm
Forum: Personal Consumer Issues
Topic: Cheapest way to get Microsoft Office
Replies: 48
Views: 6884

Re: Cheapest way to get Microsoft Office

If you have an office 365 account already for work it usually allows a certain number of locally installed copies for free. Thought being you might need to install it at home on a personally owned computer to do work
by jbuzolich
Fri Dec 03, 2021 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: can each parent use a dependent care FSA?
Replies: 26
Views: 2140

Re: can each parent use a dependent care FSA?

My understanding is that you can only utilize up to the $5000 Max in total as a pretax deduction into an FSA or combo of FSA accounts regardless of what your family has access to. Two jobs with FSA access does not allow access to $10k to direct into FSA.
by jbuzolich
Sat Nov 27, 2021 7:05 pm
Forum: Personal Consumer Issues
Topic: Rent a car at the airport without flying
Replies: 48
Views: 7383

Re: Rent a car at the airport without flying

I've rented from the airport plenty of times without flying. No issues at all. Most of the time you will pay more though or could pay more because anything at the airport tend to have added transportation taxes for the local area which might not be added when renting from neighborhood locations.
by jbuzolich
Mon Oct 25, 2021 4:28 pm
Forum: Personal Consumer Issues
Topic: Our bed is shot!
Replies: 52
Views: 7395

Re: Our bed is shot!

+1 for comments about looking at independent manufacturers. You'll get a better bed than the big name companies in general. Don't skimp on this critical investment. We have multiple chateau collection from stress-o-pedic and they are wonderful. 14+ years on our main bed right now.

https://stressopedic.com/
by jbuzolich
Sat Oct 23, 2021 11:16 am
Forum: Personal Investments
Topic: Changed jobs - 401k rollover to IRA or to 401k?
Replies: 22
Views: 1855

Re: Changed jobs - 401k rollover to IRA or to 401k?

Would really depend on the funds available and fees to me. I already know my IRA has lower fees than my work retirement account.
by jbuzolich
Thu Aug 12, 2021 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Unclaimed Property: Should we claim?
Replies: 18
Views: 1861

Re: Unclaimed Property: Should we claim?

I've enjoyed claiming a few things in the California system and helping family do the same. I liked cleaning things up I guess and it was oddly funny for me getting deposits or checks for $2 here and there. Mostly was easy and just claimed online but never could tell why some were electronic versus paper checks.
by jbuzolich
Tue Jul 06, 2021 9:41 pm
Forum: Personal Consumer Issues
Topic: Deck stripping and painting DIY?
Replies: 19
Views: 1893

Re: Deck stripping and painting DIY?

Definitely rent a stand up deck sander for a weekend or might be cheaper to rent a full week. Prep will be your longest time requirement. Get the nails or screws below the surface level before sanding. Standing sander will take care of the deck in a couple hours depending on size. Roll or spray a stain. We went semi transparent medium brown toned a couple years ago and prefer the lighter natural look. I plan to power wash back to near bare wood then do clear or natural stain and seal
by jbuzolich
Thu Jun 24, 2021 8:01 am
Forum: Personal Consumer Issues
Topic: Peacock and Other Streaming Services Regarding Sports: What is the Agenda?
Replies: 28
Views: 2974

Re: Peacock and Other Streaming Services: What is the Agenda?

Also don't forget that most of the streaming services are monthly charges but are easy to turn on and off right in the app. I would never have been able to do that with my cable or satellite provider because it would have taken hours. We have a couple services we keep going for frequent use but most of them we only subscribe to perhaps one or two months during the year and the rest of the time it's cancelled and uninstalled.
by jbuzolich
Tue Jun 15, 2021 1:43 pm
Forum: Personal Consumer Issues
Topic: Rx home delivery?
Replies: 103
Views: 8683

Re: Rx home delivery?

Use mail order pharmacy for every prescription that you can. Definitely do not use mail order for anything that requires refrigeration or other special handling. Refrigerated items need to be picked up in person and immediately taken home for cold storage. We've been doing it this way for years where pills etc all come by mail but one injectable medication I take my drive to pick up in person. Not too bad though, one prescription picked up in person per month.
by jbuzolich
Tue Apr 27, 2021 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Expensive lesson from Amica - any recourse?
Replies: 87
Views: 10168

Re: Expensive lesson from Amica - any recourse?

Maybe it's just me but I always assume any insurance policy is ACV. Full replacement cost is more of a specialty product. I've been with Amica for years and unfortunately had two total loss car accidents. They were very fair and quick on payout which is why I have continued recommending them. They definitely did not buy me a new car to replace my wrecks that were only a few years old, but they did pay approximate market value for the used vehicles and were very willing to increase their offers when I added pricing research of my own.
by jbuzolich
Tue Feb 16, 2021 9:13 pm
Forum: Personal Consumer Issues
Topic: Dryer vent cleaning DIY or Professional?
Replies: 45
Views: 6051

Re: Dryer vent cleaning DIY or Professional?

The issue is there are screws connecting the pieces. You aren’t supposed to do that. Can you access it to remove the screws and use foil tape to seal the connections? Otherwise this issue will keep happening. Exactly, too late now but anyone reading this, please never use screws to puncture your vent pipe connections. Each vent segment should slide into the next segment, then that overlap is secured with a circle clamp around the outside, and finally then wrap the outside seam with true metal duct tape (metal kind not to be confused with the grey plastic stuff). Repeat these steps for every segment of the length you are running. When you're done and take a look from either end, all you should see is a smooth bore with nothing poking or han...
by jbuzolich
Mon Feb 15, 2021 7:04 am
Forum: Personal Consumer Issues
Topic: Marantz/Samsung/Harmony Home Theater Experts: Willing to Help?
Replies: 13
Views: 1302

Re: Marantz/Samsung/Harmony Home Theater Experts: Willing to Help?

It will take some time an experimentation but I believe the solution is already posted here. The source switching on the receiver is because of HDMI trying to control other devices and using that ARC function. That would work if all your video and sound source devices were hooked directly to the TV and then you wanted sound to flow back to the receiver on ARC when you wanted to use the receiver (instead say of a more quiet session using the TV speakers only). With you having source devices all hooked to the receiver first then the receiver to the TV, you don't want to use ARC. Turn all that off in the TV menus. You'll see settings for ARC, CEC, CEC+, or perhaps HDMI device control. Turn anything you find like that off in the TV menus, then ...
by jbuzolich
Sun Feb 14, 2021 8:35 pm
Forum: Personal Consumer Issues
Topic: Space X Starlink Internet
Replies: 117
Views: 10361

Re: Space X Starlink Internet

I'm the strange looking overweight guy walking around with my cell phone camera looking up at the sky right now. We're at our cabin where I was desperately hoping to find a spot with enough clearance to order and install. We love the trees at our place, but unfortunately for now it means too much obstruction for Starlink. As the constellation has more satellites, the open space needed should be a little less. Does that mean that a rooftop peak mount would not solve the issue? If so, sorry to hear this. From my post above we just put in a reservation and hope to try it out later this year in NC. Cheers Right for us rooftop would not help. The trees are probably 70 ft or more higher than our deck and roof. The install guides I've read recomm...
by jbuzolich
Sun Feb 14, 2021 12:23 pm
Forum: Personal Consumer Issues
Topic: Space X Starlink Internet
Replies: 117
Views: 10361

Re: Space X Starlink Internet

I'm the strange looking overweight guy walking around with my cell phone camera looking up at the sky right now. We're at our cabin where I was desperately hoping to find a spot with enough clearance to order and install. We love the trees at our place, but unfortunately for now it means too much obstruction for Starlink. As the constellation has more satellites, the open space needed should be a little less.
by jbuzolich
Thu Feb 11, 2021 8:18 pm
Forum: Personal Consumer Issues
Topic: Buying a car spring 2021
Replies: 73
Views: 6680

Re: Buying a car spring 2021

We just had our second child in October and are already getting quotes now for a Subaru Ascent. For the scenario you describe with kids and dogs and gear, I would really encourage you to look at three row SUVs or the minivan like someone suggested. We're looking at Ascent or Highlander primarily. Had a new Highlander with our first child ten years ago and kept it till 197k miles.
by jbuzolich
Sun Feb 07, 2021 7:29 am
Forum: Personal Finance (Not Investing)
Topic: Selling TOD Assets After Death
Replies: 29
Views: 1909

Re: Selling TOD Assets After Death

I would probably start with the financial institution and let them know what happened in the same fashion as you posted here. Provide a copy of the death certificate. They probably have some significant cleanup to do on their side but it would help potentially not have things be worse down the road with incorrect statements and forms being issued.
by jbuzolich
Tue Jan 19, 2021 10:03 pm
Forum: Personal Consumer Issues
Topic: Hardwood Floors
Replies: 36
Views: 5489

Re: Hardwood Floors

As others have said, the cost will be highly variable depending where you live. I've had a few flooring jobs done and the price has not varied all that much based on cheap or expensive materials. The install and finish is the largest share of the cost. Laminate or vinyl was the cheapest, then tile or engineered hardwood, then solid hardwood the highest. I'd plan for $20k minimum on your 2000 sq ft in my area, and then hope to maybe come in closer to $17k when you get multiple quotes from licensed contractors. Keep any savings close at hand for plumbing or electrical or subfloor things you might discover.
by jbuzolich
Thu Jan 14, 2021 8:14 pm
Forum: Personal Consumer Issues
Topic: Contractor license and City permit
Replies: 10
Views: 1075

Re: Contractor license and City permit

Handyman limit in california is $500 total. Above that requires a license. What you are describing sounds like a job closer to $5000 depending on how much tiling is being done and the quality of tub you are picking. I would lean towards a contractor and permits being required. Just from mentioning water areas and electrical work in a bathroom, I would want permits and a licensed contractor regardless just for peace of mind.
by jbuzolich
Tue Dec 29, 2020 10:08 pm
Forum: Personal Consumer Issues
Topic: Bogleheads Cell Phone?
Replies: 81
Views: 7721

Re: Bogleheads Cell Phone?

Had great luck with unlocked Motorola and unlocked pixels ordered direct from Google. With the Pixel orders I always trade in a junk iphone or ancient one that friends or family were getting rid of and the trade value has been good for ordering the pixel. Wife and I are android only by preference. Also need Verizon coverage and stick with Verizon mvnos which change flavors every few years. We're at $59 total combined for two lines.
by jbuzolich
Wed Dec 16, 2020 9:53 pm
Forum: Personal Consumer Issues
Topic: Great fish sources And, Best fish for Hawaiian "poke" bowl, sashimi, etc.And great cooked fish?
Replies: 23
Views: 2082

Re: Great fish sources And, Best fish for Hawaiian "poke" bowl, sashimi, etc.And great cooked fish?

Our Costco often has fresh ahi and I watch if it's from out middle of the Pacific like the Marshall Islands rather than a more coastal location. No clue if it's different but tastes great to me in poke or spicy tuna sushi
by jbuzolich
Thu Oct 29, 2020 7:01 pm
Forum: Personal Consumer Issues
Topic: Can openers
Replies: 37
Views: 3021

Re: Can openers

I use a Kuhn Rikon side cut opener that we like. It's manual and comes from the side so fewer sharp edges. 14 years of weekly use and still going.
by jbuzolich
Thu Oct 15, 2020 8:11 pm
Forum: Personal Consumer Issues
Topic: How should I make my first mortgage payment?
Replies: 10
Views: 1224

Re: How should I make my first mortgage payment?

Agree with others. Just setup and pay through your regular banking bill pay. Include your name and account or loan number on the payment setup. If you're seeing multiple copies of the same company listed then they are likely setup for electronic payment which is even better. Pick the one that matches the address on your payment instructions. The payment likely will go electronically as a bundled ach with transaction details and get posted within a couple days by the recipient.
by jbuzolich
Sun Oct 11, 2020 2:20 pm
Forum: Personal Consumer Issues
Topic: Election calls
Replies: 30
Views: 2669

Re: Election calls

I just simply stopped answering any unknown calls years ago. Voicemail gets transcribed to text so it's easy to skim who it was and delete.
by jbuzolich
Thu Oct 08, 2020 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 12862
Views: 1265468

Re: Refinance Mega Thread

Tenesmus83 wrote: Thu Oct 08, 2020 5:50 pm Has anyone refinanced with aimloan recently? Are they pretty fast? All the traditional lenders are backed up and taking forever to get anything done
Been about four years but both our current loans are with aim and we have refinanced with them a couple times. I remember it being relatively quick. Maybe a month each time start to finish. We're hopefully signing next week on our first refi with Better. Aim was not offering any low fee loans when I checked.
by jbuzolich
Tue Oct 06, 2020 5:17 pm
Forum: Personal Consumer Issues
Topic: Installing mantle on ledger stone
Replies: 28
Views: 2755

Re: Installing mantle on ledger stone

If going the probe route to find studs, make the tiny holes behind what the wood mantel would cover anyway. When the mantel is flush installed to the wall then you won't see the holes anymore. If the TV hanging on my wall ever comes down they'll see I made about ten holes putting it up. Today thought, can't see anything.
by jbuzolich
Mon Oct 05, 2020 10:35 pm
Forum: Personal Investments
Topic: Selling gold jewelry
Replies: 19
Views: 3616

Re: Selling gold jewelry

Another +1 for Midwest Refineries. Used them a few times and they list their payout percentage right on their clunky old website. I think it was over 90% of spot price which I appreciated. Check arrived quickly and did not bounce.
by jbuzolich
Sat Oct 03, 2020 10:42 pm
Forum: Personal Consumer Issues
Topic: I need a Ladder—What type to get?
Replies: 64
Views: 5893

Re: I need a Ladder—What type to get?

runner3081 wrote: Wed Sep 30, 2020 5:53 pm
Random Poster wrote: Wed Sep 30, 2020 5:33 pm One of those adjustable ones that are a combination of an extension and a-frame?
Those things are really heavy and awkward to navigate in the house. I have one, wish I didn't buy it.
Have one also and love the adjustable options and high weight rating. I'm a big guy. The ladders are crazy heavy though.
by jbuzolich
Fri Sep 25, 2020 11:56 pm
Forum: Personal Consumer Issues
Topic: Android 11 on Pixel 3A question
Replies: 8
Views: 837

Re: Android 11 on Pixel 3A question

I'm on a 3a with the Android 11 update and it's been fine. Really feels like a rather minor change from 10 to be honest.
by jbuzolich
Tue Sep 22, 2020 12:46 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1849
Views: 213967

Re: My LenderFi refinance is going well

Sunrise wrote: Sun Sep 20, 2020 9:15 pm For those that have refinanced with LenderFi recently, did you find their initial offer (Loan Estimate) competitive/acceptable? Or was there additional negotiation needed, etc.? Thanks.
Initial offer to us from LenderFi was the best I had seen. Did not shop around more than maybe 4-5 lenders. Better immediately dropped their fees significantly to beat LenderFi by $100. I asked LenderFi if they could improve their offer and they essentially told me to go F myself without actually swearing, and that their processors would destroy the Better processors. I was extremely turned off by the alpha male attitude.