Search found 2055 matches

by dolphinsaremammals
Mon Aug 03, 2015 12:29 pm
Forum: Personal Consumer Issues
Topic: Garden 'engineering' question
Replies: 21
Views: 2332

Re: Garden 'engineering' question

I thought pressure treated lumber leached harmful chemicals into the soil.

All the raised beds I've seen are shorter than yours and have no cross bracing. I.e. two ten foot ones vs. your twenty. It would give you easier access to the plants as well.
by dolphinsaremammals
Mon Aug 03, 2015 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Seller conceals known defects: fraud question
Replies: 53
Views: 7071

Re: Seller conceals known defects: fraud question

Lafder, there was a seller disclosure and here is where a blatant lie comes in. He checked the box that the septic system was OK. But an inspection was done in October of last year that said the septic system was inadequate. Absolutely nothing was done to upgrade the septic system since that time. ...
by dolphinsaremammals
Mon Aug 03, 2015 7:41 am
Forum: Personal Finance (Not Investing)
Topic: Can executor take value of personal time?
Replies: 17
Views: 2056

Re: Can executor take value of personal time?

Why is Emily doing any work on the house? Sell it as is. If the price is low enough, someone will buy it. Otherwise Emily is opening a can of worms. I would get 2-3 appraisals for the house value and show them to Nancy, so Nancy knows what is going on. If Nancy thinks they are too low, she can hire ...
by dolphinsaremammals
Sun Aug 02, 2015 11:29 pm
Forum: Investing - Help with Personal Investments
Topic: Maturing CDs -- Now What?
Replies: 15
Views: 2403

Re: Maturing CDs -- Now What?

All non-brokered IRA CD providers that I'm familiar with provide RMD without any penalty charge for EWP. Some offer options to make additional penalty free withdrawals for customers that are 59.5 and up. Currently weighing some of these options for my in-laws. This is true of all the credit unions ...
by dolphinsaremammals
Sun Aug 02, 2015 11:24 pm
Forum: Personal Finance (Not Investing)
Topic: Landlord Question - Military Tenant
Replies: 25
Views: 2055

Re: Landlord Question - Military Tenant

It's only for three months after one of them leaves. Perhaps tenant 1 can afford three months of rent. Is tenant 1 a problem tenant? That's the only reason I can see for your wanting to kick him or her out to rent to others on the same terms, since you have no real idea of the financial situation. I...
by dolphinsaremammals
Sun Aug 02, 2015 11:16 pm
Forum: Personal Finance (Not Investing)
Topic: Seller conceals known defects: fraud question
Replies: 53
Views: 7071

Re: Seller conceals known defects: fraud question

The problem, Celia, with putting the matter out of mind is that my daughter is still under contract until the seller releases her. She can't make an offer on another house without running the risk of having to buy two houses. (It's a stretch, I know, but she wants the peace of mind of being totally...
by dolphinsaremammals
Sun Aug 02, 2015 2:14 pm
Forum: Investing - Help with Personal Investments
Topic: Maturing CDs -- Now What?
Replies: 15
Views: 2403

Re: Maturing CDs -- Now What?

I'm more financially conservative than many people here. I would do trustee to trustee transfers into new five year CDs. Where I live, credit unions are creeping up interest for those to about 2.2%.

You know, of course, about the federal insurance limits on CDs at banks and credit unions.
by dolphinsaremammals
Sun Aug 02, 2015 1:45 pm
Forum: Personal Consumer Issues
Topic: Swim Goggles for Near-Sighted People
Replies: 18
Views: 2337

Re: Swim Goggles for Near-Sighted People

No info on swim goggles but if you're a candidate for lasix I can't recommend it enough. Had it done five years ago and it was as good a decision as I've ever made. I see better now than I ever did with contacts. No worry about contacts floating away when swimming or diving. Worth triple what I pai...
by dolphinsaremammals
Sun Aug 02, 2015 1:40 pm
Forum: Personal Consumer Issues
Topic: Tipping House Painters
Replies: 8
Views: 1262

Re: Tipping House Painters

It never occurred to me to tip house painters or other construction people. I do make sure there is cold soda around. It can get brutal working outside on hot days. I'm sure they wish it were beer, but I'm not motivated enough to go buy that since I don't drink it myself.
by dolphinsaremammals
Sun Aug 02, 2015 11:48 am
Forum: Personal Consumer Issues
Topic: Netflix DVD delivery slowdown?
Replies: 141
Views: 36692

Re: Netflix DVD delivery slowdown?

Looks like they went through a period of time transforming the service by more automation and closer sync to the post office. The reduction of employees is amazing, sad for those who lost their jobs, but Netflix probably couldn't survive any other way, given their ever-shrinking customer base on th...
by dolphinsaremammals
Sun Aug 02, 2015 6:50 am
Forum: Personal Consumer Issues
Topic: AAA Plus worth it?
Replies: 31
Views: 7991

Re: AAA Plus worth it?

My wife wanted to buy AAA. So she has AAA. She used them once in the past 13 years. And the tow was across the street (admittedly it was a six lane road and I'm not going to try to push a car across it) to the Goodyear shop for a new battery. She could have called on them once for a flat tire but o...
by dolphinsaremammals
Sun Aug 02, 2015 6:44 am
Forum: Personal Consumer Issues
Topic: Advice on two houses
Replies: 11
Views: 1707

Re: Advice on two houses

I would move and remove all my stuff from the for sale house, after first having the new house painted and made ready while you don't have to live in that mess. I have never understood why "staging" a house is supposed to make it attractive to buyers. If a sofa is against a wall, I wonder ...
by dolphinsaremammals
Sat Aug 01, 2015 4:11 pm
Forum: Personal Consumer Issues
Topic: AAA Plus worth it?
Replies: 31
Views: 7991

Re: AAA Plus worth it?

I have regular AAA. They will tow you further than three miles and charge you for the excess. That's what I do. So far it is cheaper than plus.
by dolphinsaremammals
Fri Jul 31, 2015 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: Protecting a young adult from his money?
Replies: 27
Views: 4230

Re: Protecting a young adult from his money?

I am under the impression that his issues are treatable. Why isn't that what's being addressed?"
by dolphinsaremammals
Fri Jul 31, 2015 8:50 pm
Forum: Personal Consumer Issues
Topic: Netflix DVD delivery slowdown?
Replies: 141
Views: 36692

Re: Netflix DVD delivery slowdown?

sambb wrote:I am also surprised that DVDs are still happening - streaming is so nice, and can choose things instantly.


I could never get Netflix streaming to work well on my system. All other video, no problem. I called them and they said they don't buffer, which sounded strange, but whatever.
by dolphinsaremammals
Fri Jul 31, 2015 2:36 pm
Forum: Personal Consumer Issues
Topic: Netflix DVD delivery slowdown?
Replies: 141
Views: 36692

Re: Netflix DVD delivery slowdown?

MrNewEngland wrote:People still get DVDs?


Yes, I bit the bullet this weekend and carted off my box of video tapes to the local tape to DVD place.
by dolphinsaremammals
Fri Jul 31, 2015 2:35 pm
Forum: Personal Consumer Issues
Topic: Netflix DVD delivery slowdown?
Replies: 141
Views: 36692

Re: Netflix DVD delivery slowdown?

There was an article in the nytimes recently about how Netflix is upgrading its DVD processing. The number of customers is dropping, but it is still a big fat profit center. They have it incredibly speedily automated. Some machine takes a returned DVD package, removes the DVD, cleans it, tests it, p...
by dolphinsaremammals
Fri Jul 31, 2015 2:31 pm
Forum: Personal Consumer Issues
Topic: Owned a bank owned property & previous owned item
Replies: 10
Views: 1082

Re: Owned a bank owned property & previous owned item

You don't know who removed the things from the house. It may have been the failed flipper. When I moved, I did forget some things - garden tools in the storage shed, etc. I would give the hoop back, but I'd probably say they should get it themselves. I'd keep this at arm's length and probably polite...
by dolphinsaremammals
Fri Jul 31, 2015 2:24 pm
Forum: Personal Consumer Issues
Topic: Food safety - broken refrigerator
Replies: 20
Views: 1905

Re: Food safety - broken refrigerator

I would not worry about the condiments. Growing up (and I'm not that old) we never put mustard or ketchup in the fridge, always the pantry. I only considered mayonnaise bad if it turns clear. Any opened salad dressing that contains dairy should be suspect. Everything else should be fine. I have to ...
by dolphinsaremammals
Fri Jul 31, 2015 12:58 pm
Forum: Personal Consumer Issues
Topic: Food safety - broken refrigerator
Replies: 20
Views: 1905

Re: Food safety - broken refrigerator

Most experts recommend NOT keeping whole onions, potatoes and bread in the frig. Apples should be fine as would be most fresh fruit. What is supposed to happen if you keep whole potatoes and onions in the frig? I have done that for years. The onions sprout eventually and if they do that I plant the...
by dolphinsaremammals
Fri Jul 31, 2015 11:56 am
Forum: Personal Consumer Issues
Topic: Amazon reviews
Replies: 22
Views: 2962

Re: Amazon reviews

PaddyMac wrote:I pay attention to the Verified Purchase flag when reading a review, as at least it means the reviewer isn't making it up completely.


If you return a product, the verified purchase flag disappears.
by dolphinsaremammals
Fri Jul 31, 2015 11:03 am
Forum: Personal Consumer Issues
Topic: Amazon reviews
Replies: 22
Views: 2962

Re: Amazon reviews

Beware of the shills on the book reviews. Amen to that. I am continually amazed at the number of 5* reviews for crappy books. I have learned to read the negative reviews first. It is easy to sort out the emotional "I hate it" reviews and the good negative ones that give the reasons for di...
by dolphinsaremammals
Fri Jul 31, 2015 10:53 am
Forum: Personal Consumer Issues
Topic: Food safety - broken refrigerator
Replies: 20
Views: 1905

Re: Food safety - broken refrigerator

You can always check the freshness of an egg by seeing if it floats in water. Google it. Personally, I'd eat the eggs. I grew up on a farm, and we never refrigerated our eggs. Also, butter does not need to be refrigerated. I keep mine out on the counter in a butter dish all the time. Do you serious...
by dolphinsaremammals
Fri Jul 31, 2015 10:50 am
Forum: Investing - Help with Personal Investments
Topic: What to do with very small 401k from previous employer
Replies: 27
Views: 1452

Re: What to do with very small 401k from previous employer

$1435 is money. I would open a traditional IRA at a place I already had accounts. That ensures that you don't lose track of it. I have been very careful for decades to never lose a chance to keep money protected from taxes as long as possible. (I am not in a higher tx bracket as a retiree.)
by dolphinsaremammals
Fri Jul 31, 2015 10:27 am
Forum: Personal Consumer Issues
Topic: Food safety - broken refrigerator
Replies: 20
Views: 1905

Re: Food safety - broken refrigerator

As for the eggs, most of the world outside the USA doesn't bother with refrigerating their eggs. I read somewhere or other that supermarket eggs do not last as long as farm bought eggs, because the former are pressure washed of something, removing the bacteria-protective layer. I buy my eggs from a...
by dolphinsaremammals
Fri Jul 31, 2015 10:18 am
Forum: Personal Consumer Issues
Topic: Food safety - broken refrigerator
Replies: 20
Views: 1905

Food safety - broken refrigerator

So last evening I pulled a pizza from the freezer part of my refrigerator and I noticed it was hardly frozen. I wrote it off to having put it in there 2-3 hours previously after doing my grocery shopping in 90 degree weather, although I got home promptly. But this morning everything was defrosted. T...
by dolphinsaremammals
Thu Jul 30, 2015 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Strategies to reduce living costs for a single-person household?
Replies: 18
Views: 2677

Re: Strategies to reduce living costs for a single-person household?

Where I live mini-apartments are coming into being. If you are happy without a lot of stuff, or can put it into storage for a few years, that may be for you. Do you have a relative you can share housing with - an older person who would feel safer with someone else around, or a younger person who wan...
by dolphinsaremammals
Thu Jul 30, 2015 4:29 pm
Forum: Personal Consumer Issues
Topic: Rental Car Possible Damaged after I returned it
Replies: 18
Views: 2378

Re: Rental Car Possible Damaged after I returned it

Whenever I've returned a rental car, one of the employees and I check it over and note "no damage" on the paperwork. I check it over also before I take the car. I guess this doesn't work if you drop it off at an unattended place, in which case I would take photos showing an identifying bac...
by dolphinsaremammals
Thu Jul 30, 2015 1:41 pm
Forum: Personal Consumer Issues
Topic: Fed UP With Fed Ex
Replies: 23
Views: 2637

Re: Fed UP With Fed Ex

I ordered from chewy once and never again. They have woefully insufficient packaging.
by dolphinsaremammals
Thu Jul 30, 2015 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Keep paying the mortgage??
Replies: 67
Views: 8395

Re: Keep paying the mortgage??

I would move back to your previous home if possible. You don't want to be living in a home with mold, especially with a kid. This is such blatant fraud that I have a hard time believing there isn't some legal recourse to this. Certainly the seller should lose his real estate license, not that that i...
by dolphinsaremammals
Thu Jul 30, 2015 6:30 am
Forum: Personal Finance (Not Investing)
Topic: Auto collision with uninsured driver caused $5000 in damage. What to do?
Replies: 23
Views: 3351

Re: Auto collision with uninsured driver caused $5000 in damage. What to do?

This is why people have insurance, not only for the financial aspects but so that they don't have the hassle and expense of trying to do something about it themselves in an area where they are not expert. I would say your brother's chances of getting money from an illegally uninsured driver are slim...
by dolphinsaremammals
Wed Jul 29, 2015 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: Who are you able to share good financial news with?
Replies: 103
Views: 11288

Re: Who are you able to share good financial news with?

Interesting you brought this up. I started my own business at the age of 50 and just last week, at the age of 64, I had an outstanding week of work. Largest client signing up for another three years, etc. and I had the strongest urge to call my parents, but they are deceased. There is no substitute...
by dolphinsaremammals
Wed Jul 29, 2015 6:04 pm
Forum: Personal Consumer Issues
Topic: wife got in wreck with Honda CRV - no collison coverage
Replies: 113
Views: 10022

Re: wife got in wreck with Honda CRV - no collison coverage

When she has these accidents, are the kids in the car and jumping up and down and yelling, etc.? That would likely make me rear end someone.
by dolphinsaremammals
Wed Jul 29, 2015 3:36 pm
Forum: Personal Consumer Issues
Topic: wife got in wreck with Honda CRV - no collison coverage
Replies: 113
Views: 10022

Re: wife got in wreck with Honda CRV - no collison coverage

The interesting thing about the snapshot algorithm is the only driver input* it dings you for is hard braking. In other words, Progressive doesn't care about your rate of acceleration, top speed or cornering g forces, their data shows that a simple sort of the people who are inattentive enough that...
by dolphinsaremammals
Wed Jul 29, 2015 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Question on beneficiaries
Replies: 12
Views: 1075

Re: Question on beneficiaries

Boy, I would be a little upset if I was your wife. I understand the intent, but you don't pay enough attention to accounts to change the name in the event you get divorced. The beneficiary designation sounds like you are planning on a divorce in the future. IMO, this is a gross overreaction. "...
by dolphinsaremammals
Wed Jul 29, 2015 6:42 am
Forum: Personal Finance (Not Investing)
Topic: Hefty Medical Bill
Replies: 38
Views: 3750

Re: Hefty Medical Bill

Nope, no notification and my hospital is religiously affiliated. As not an attorney, I'd say you're out of luck. I hope your son is doing well. I can understand dropping the ball while worried about his medical situation. But I don't see anything you can do at this point except try to negotiate the...
by dolphinsaremammals
Wed Jul 29, 2015 12:04 am
Forum: Personal Finance (Not Investing)
Topic: Hefty Medical Bill
Replies: 38
Views: 3750

Re: Hefty Medical Bill

You are very close to the limit to enroll in cobra ( The later of 60days from leaving job or receipt of notification of COBRA eligibility) It is only 60 days from notification, when you separate is not a factor. http://www.dol.gov/ebsa/faqs/faq-consumer-cobra.html I was confused and thought the abo...
by dolphinsaremammals
Tue Jul 28, 2015 7:26 pm
Forum: Investing - Help with Personal Investments
Topic: Roll over mailing logistics?
Replies: 6
Views: 689

Re: Roll over mailing logistics?

Assume you are rolling over after tax 401k contributions to a roth IRA. Fiduciary A sends a check to you and then you have to send the check to fiduciary B. Note I asked fiduciary A if they will send it directly to B and they will not only to me. How does one secure/ensure nothing happens to the le...
by dolphinsaremammals
Tue Jul 28, 2015 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Re-open Probate?
Replies: 7
Views: 1013

Re: Re-open Probate?

clydewolf wrote:Then talk with the county probate court clerk.


That person was very helpful when I was an executor. I'm sure they see the OP's situation from time to time and will know what to do.
by dolphinsaremammals
Tue Jul 28, 2015 4:13 pm
Forum: Personal Consumer Issues
Topic: garage door opener resuscitation possible?
Replies: 23
Views: 1722

Re: garage door opener resuscitation possible?

deca, every several years I have a problem with my garage door opener or the garage door itself. I just call the nice people who installed it. I see your original company went out of business, but there are other companies out there. Except once when the opener had truly bellied up and needed replac...
by dolphinsaremammals
Tue Jul 28, 2015 10:16 am
Forum: Personal Consumer Issues
Topic: wife got in wreck with Honda CRV - no collison coverage
Replies: 113
Views: 10022

Re: wife got in wreck with Honda CRV - no collison coverage

What does your wife say about all this? She cries about it. She does not agree it was her fault. It was a mess from the day of the accident. A truck dropped cement or a steel beam and caused the first car to stop, then 5 cars after her ran into the back of each other. My wife was the last car. The ...
by dolphinsaremammals
Tue Jul 28, 2015 5:57 am
Forum: Personal Consumer Issues
Topic: Major home renovation your thoughts
Replies: 43
Views: 6223

Re: Major home renovation your thoughts

In an earthquake, I thought people generally headed for under tables or under door frames. If you have time to get to a specific room, likely you have time to get outdoors. What I did with my CA house was have the house bolted to the foundation and plywood (or something) put in to prevent parallelog...
by dolphinsaremammals
Mon Jul 27, 2015 4:51 pm
Forum: Personal Consumer Issues
Topic: Durability of consumer goods
Replies: 44
Views: 4354

Re: Durability of consumer goods

Leesbro63 wrote:1969 and even 1992 cars should not be daily drivers IMHO. Safety advances since then negate any financial savings for keeping a car that long.


And yet, here I am in my seventies and not dead :D Also, as I noted, no one can hack the car and leave it disabled in the highway.
by dolphinsaremammals
Mon Jul 27, 2015 3:25 pm
Forum: Personal Consumer Issues
Topic: Ross Root Feeder
Replies: 24
Views: 2919

Re: Ross Root Feeder

Mind you, the weirdest scene was a deer drinking from the hot tub*. Woke up one morning, and there was this deer drinking, slurping, as it were. Yup, we put the cover on after that. That said, it could have been worse. *Of course, a deer drinking "in" the hot tub, say, with a gin and toni...
by dolphinsaremammals
Mon Jul 27, 2015 12:53 pm
Forum: Personal Consumer Issues
Topic: Durability of consumer goods
Replies: 44
Views: 4354

Re: Durability of consumer goods

Interesting on landline phones. The old pulse code dialing ones don't work anymore, so your phone had a switch that updated it? ..... On cars. Yes it's nice to have an old car (assuming reliable). However there has been a step change in automotive safety: the addition of anti-lock brakes (ABS) and ...
by dolphinsaremammals
Mon Jul 27, 2015 5:54 am
Forum: Personal Consumer Issues
Topic: Durability of consumer goods
Replies: 44
Views: 4354

Re: Durability of consumer goods

Kitchen and laundry appliances used to last for decades years ago. I have two working cars. I have never gotten rid of a car. One is about 22 years old (used to belong to my late mother) and the other is about 45 years old (my first car purchase.) I have landline phones that are decades old. If I bu...
by dolphinsaremammals
Sun Jul 26, 2015 7:19 pm
Forum: Personal Consumer Issues
Topic: Is your home owner insurance going up 27% this year?
Replies: 35
Views: 4778

Re: Is your home owner insurance going up 27% this year?

Goodness, mine went down 8% and I didn't even notice until this thread caused me to look it up. It's hard to get homeowner's insurance here on the coast, so each year I'm just glad I don't slide into a horrifying number.
by dolphinsaremammals
Sun Jul 26, 2015 7:06 pm
Forum: Personal Consumer Issues
Topic: Can you return food at a restaurant and not have to pay for it?
Replies: 46
Views: 8858

Re: Can you return food at a restaurant and not have to pay for it?

Years ago it was not unusual for me, after I had asked if an entree was vegetarian and told it was, to be served a dish that was not. Often it had chicken broth or somesuch in it, and the reply was, it's just chicken or its just fish. Now that vegetarianism is more common, that doesn't seem to happe...
by dolphinsaremammals
Sun Jul 26, 2015 6:37 am
Forum: Personal Consumer Issues
Topic: Ross Root Feeder
Replies: 24
Views: 2919

Re: Ross Root Feeder

john94549 wrote:The weirdest tree to sprout in the past few years in our backyard, despite the drought, looks like a mini Christmas tree. Seriously, it's a cute tree, and nobody has any idea where it came from. Just popped up.


(1) Birds, squirrels, etc. eating items with seeds in them or (2) wind.
by dolphinsaremammals
Sun Jul 26, 2015 6:31 am
Forum: Personal Consumer Issues
Topic: Name and address security [Shred mail received?]
Replies: 18
Views: 2044

Re: Name and address security [Shred mail received?]

It never occurred to me to shred just name and address mail. As has been pointed out, someone can find that info in a nanosecond unless you've set up a corporation(?) to own your property. I shred anything with financial, medical, etc. information on it. I don't shred anything else, because our recy...