Search found 1804 matches

by jabberwockOG
Tue Nov 19, 2019 12:18 pm
Forum: Personal Consumer Issues
Topic: Skin lotion for old skin
Replies: 16
Views: 888

Re: Skin lotion for old skin

Pure organic coconut oil applied very liberally right after bathing works wonders on our skin. Buy it at Costco in a giant 3-4 quart tub for about $18. It is fantastic for the skin. Good for cooking also.
by jabberwockOG
Sun Nov 17, 2019 12:03 am
Forum: Personal Consumer Issues
Topic: Best thing you have ever bought?
Replies: 146
Views: 11061

Re: Best thing you have ever bought?

1. Tivo (20 years of no commercials - priceless)
2. Leesa king size mattress
3. macbook pro
4. Timex Ironman
5. SOG Flash1 for EDC
6. iphone 6s
7. Ryobi Cordless 6-Tool Combo Kit
by jabberwockOG
Thu Nov 14, 2019 11:30 pm
Forum: Personal Consumer Issues
Topic: Garage Generator Install
Replies: 44
Views: 2777

Re: Garage Generator Install

Do not install a whole house electric generator without pulling a permit, insure to install per local code, and have the install inspected by your local town or county inspector. Doing otherwise might accidentally kill you and your family and might render your home insurance null and void should som...
by jabberwockOG
Thu Nov 14, 2019 10:26 pm
Forum: Personal Finance (Not Investing)
Topic: Study ranks 4,500 colleges by net present value of 40 year ROI
Replies: 52
Views: 6660

Re: Study ranks 4,500 colleges by net present value of 40 year ROI

The days of going to a university to get a classic higher education may be over as the modern expectation seems to be that that higher education at an expensive university is a waste unless it is essentially a glorified trade school. Last year our youngest graduated in the top 1% of his class with B...
by jabberwockOG
Tue Nov 12, 2019 10:03 pm
Forum: Personal Consumer Issues
Topic: Blankets/Bedding for Cold Winter Nights
Replies: 56
Views: 3497

Re: Blankets/Bedding for Cold Winter Nights

We stay plenty warm using a light weight, high quality 700 fill down blanket used for only the coldest nights - maybe on the bed 3-4 weeks a year. Mostly in the winter months we use a super light wool cashmere blend blanket on top of a cotton sheet and under a 20 year old Peacock Alley Matelasse cov...
by jabberwockOG
Tue Nov 12, 2019 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Seller's agent not letting us use a buyer's agent
Replies: 122
Views: 10514

Re: Seller's agent not letting us use a buyer's agent

The dirty little secret is despite what they tell you absolutely no real estate agent works for the buyer (except in rare instance of an actual buyer's agent contract that is paid directly by the buyer). In 99% of all deals, the agents contractually and legally work for the seller best interest beca...
by jabberwockOG
Mon Nov 11, 2019 11:04 pm
Forum: Personal Consumer Issues
Topic: Hi Def Audio listening
Replies: 22
Views: 1245

Re: Hi Def Audio listening

I would not worry too much about specific brands of audio receivers. Buy by capabilities you need, price, and specs listed rather than name brand. Lots of the old school high end brands from the 60s-80s are just shell companies at this point, owned for marketing gear under a brand name and little el...
by jabberwockOG
Mon Nov 11, 2019 10:46 pm
Forum: Personal Consumer Issues
Topic: Giving away cat that has microship...
Replies: 13
Views: 2003

Re: Giving away cat that has microship...

Is this a serious question? Find the time to change the information over to the new owner. 100% This. Cats and dogs are not disposable when they are no longer convenient. Show some loyalty and respect to another being that has been in your life, and MAKE the time to change the chip info, after you ...
by jabberwockOG
Sun Nov 10, 2019 8:16 am
Forum: Personal Consumer Issues
Topic: Was I ripped off at the car dealership?
Replies: 73
Views: 6680

Re: Was I ripped off at the car dealership?

Would be very unusual for a shop to sell you a oil pan gasket change to rip you off. Putting in a new oil pan gasket is a nasty labor intensive job. If a dealer service dept wants to rip you off there are much easier and more profitable ways to create or fake a problem to inflate a car service bill.
by jabberwockOG
Sat Nov 09, 2019 6:42 pm
Forum: Personal Consumer Issues
Topic: Hard Wired smoke alarms. Recommendations.
Replies: 34
Views: 1888

Re: Hard Wired smoke alarms. Recommendations.

For CO detectors, I think you'd be fine with just one or two CO detector per level of your house depending on house size. There are two types of smoke/fire detectors, 1) ionization and 2) photoelectric. Instead of relying on just one type of detector for smoke/fire, I strongly suggest getting a mix ...
by jabberwockOG
Thu Nov 07, 2019 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone want to share their monthly budget? Here's ours
Replies: 153
Views: 32143

Re: Anyone want to share their monthly budget? Here's ours

We actually spend about 4800 a month, most of the extra goes to pleasure - hobbies/sports equip/technology/specialty product purchases. I think the key to relatively low monthly expenses is paid off house, no debt, no car payments, and living in a LCOL area. In a similar situation, but live in a ve...
by jabberwockOG
Thu Nov 07, 2019 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone want to share their monthly budget? Here's ours
Replies: 153
Views: 32143

Re: Anyone want to share their monthly budget? Here's ours

Age 64 retired at 60.5 yo Monthly Income - $0 Living from accumulated savings for a few years. Planning on taking SS at FRA, or maybe a year or two later depending on how savings/CDs balance is doing. No planned withdrawals from 401k or Roths until after age 68. Monthly Expenses for wife and I Mortg...
by jabberwockOG
Thu Nov 07, 2019 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone want to share their monthly budget? Here's ours
Replies: 153
Views: 32143

Re: Anyone want to share their monthly budget? Here's ours

Age 64 retired at 60.5 yo Monthly Income - $0 Living from accumulated savings for a few years. Planing on taking SS at FRA, or maybe a year or two later depending on how savings/CDs balance is doing. No planned withdrawals from 401k or Roths until after age 68. Monthly Expenses for wife and I Mortga...
by jabberwockOG
Wed Nov 06, 2019 12:37 pm
Forum: Personal Investments
Topic: When to get in.
Replies: 24
Views: 3215

Re: When to get in.

The only prices that matter are the prices in place when you put money in and when you eventually have to take money out of the market. Any market fluctuations and price changes in between those two times are 100% irrelevant and just noise that should be ignored by a smart investor If you have money...
by jabberwockOG
Mon Nov 04, 2019 5:43 pm
Forum: Personal Consumer Issues
Topic: Wife's car hit in a parking lot - how to deal with various issues?
Replies: 62
Views: 4473

Re: Wife's car hit in a parking lot - how to deal with various issues?

When someone hits your car always call the police and get an accident report. Get on record with a quick call that you were in an accident and requested police. Even on private property it is a good idea to call the police when in an accident. Let the police or the dispatcher decide (instead of you ...
by jabberwockOG
Mon Nov 04, 2019 5:27 pm
Forum: Personal Consumer Issues
Topic: Paying a contractor in cash
Replies: 48
Views: 1602

Re: Paying a contractor in cash

Besides the financial issues already raised (potential loss of a wad of cash, structuring issue, etc.) you should also be leary of automatically pay based on the projected completing timeline. If you agree to pay on the 5th, 10th, etc. and the workers don't show up for 5 days (which happens all the...
by jabberwockOG
Mon Nov 04, 2019 11:37 am
Forum: Personal Consumer Issues
Topic: Lexus CPO - anyone made a claim? Worth the cost?
Replies: 18
Views: 2406

Re: Lexus CPO - anyone made a claim? Worth the cost?

Lexus CPO warranty is the best in the industry. Lexus can afford to provide a generous warranty because its cars are generally very reliable. I had one on my LS430. I did use it to have a sticking motor in the driver side mirror replaced but other than that the car was bulletproof. The latest vehicl...
by jabberwockOG
Thu Oct 31, 2019 10:49 pm
Forum: Personal Consumer Issues
Topic: Folks age between 65-70. What’s your exercise routine
Replies: 44
Views: 4485

Re: Folks age between 65-70. What’s your exercise routine

64.5 yo. 4 years retired. Last 10 years of a 40 year career left me badly out of shape. In retirement with lots of time on my hands I decided to become a gym rat and get back into the shape I was in during my 20s and 30s. To that end - 30-45 minutes weights (mostly circuit training on machines) 4-5 ...
by jabberwockOG
Mon Oct 28, 2019 5:30 pm
Forum: Personal Consumer Issues
Topic: How much do you plan to spend on your children's weddings?
Replies: 182
Views: 8839

Re: How much do you plan to spend on your children's weddings?

Hopefully I have raised my kids well enough whereby they wouldn't want to waste a lot of money or their parents money on their weddings. There are many ways to have great weddings without spending ridiculous amounts of money. 100% agree. We certainly might help with matching our kid's saved down pa...
by jabberwockOG
Fri Oct 25, 2019 9:53 pm
Forum: Personal Consumer Issues
Topic: New brakes
Replies: 9
Views: 1068

Re: New brakes

if the vehicle has ABS and you're taking it to a random shop to save a buck, they may inadvertently introduce air into the system which can cause brake failure when driving (soft pedal as you're experiencing). Bleeding ABS brakes often requires specific equipment and procedure and cycling of the AB...
by jabberwockOG
Tue Oct 22, 2019 8:53 pm
Forum: Personal Consumer Issues
Topic: Why so many iPhones??? Why did you pick it? Why do you upgrade it?
Replies: 156
Views: 10021

Re: Why so many iPhones??? Why did you pick it? Why do you upgrade it?

Apple got there first. The product line has been straight-forward and easy to understand. They produce the hardware, and the hardware has always been impressive. They have maintained quality. The UI is rigid, but easy to use. The software available on the platform is rich and diverse. They've surro...
by jabberwockOG
Tue Oct 22, 2019 8:32 pm
Forum: Personal Consumer Issues
Topic: Gas cap door on a 1995 Chevrolet cavalier has a problem
Replies: 24
Views: 1263

Re: Gas cap door on a 1995 Chevrolet cavalier has a problem

Rip off the door with a pair of pliers. I don't believe the OP expressed any problem with removing the door in a conventional way - probably no force required, but the objective is to make it work better, not remove it. Maybe rip the Cavalier off the door instead? Bigger pliers, though. Perfect.
by jabberwockOG
Mon Oct 21, 2019 8:51 pm
Forum: Personal Consumer Issues
Topic: Time for a new car - Corolla or Civic...
Replies: 101
Views: 9884

Re: Time for a new car - Corolla or Civic...

If I may offer some food for thought as long time owner of Corollas, Civics, and Camries...I would consider going up one level, i.e. select Camry or Accord. The smaller cars are great, but they have their issues. The one that used to drive me crazy was the CV joint boots cracking all the time. Also...
by jabberwockOG
Mon Oct 21, 2019 7:35 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1159
Views: 175734

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Some amount of oil dilution by fuel is normal and happens with any car engine over time. Even in well designed engines, a very small amount of unburned gasoline typically gets past the rings in the combustion chambers and that tiny amount of gasoline ends up mixed in the oil that circulates to prote...
by jabberwockOG
Mon Oct 21, 2019 12:22 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1159
Views: 175734

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Discovered this thread after searching for posts on new compact SUVs. We are currently looking at purchasing in early 2020. Have looked at 2019 CRV, 2020 Forester and Rav4. Have not yet considered Mazda CX5 because of smaller cargo space. I was not aware of the OD issue with the CRV until reading t...
by jabberwockOG
Sat Oct 19, 2019 10:05 am
Forum: Personal Consumer Issues
Topic: HVAC fan ON or auto?
Replies: 42
Views: 3854

Re: HVAC fan ON or auto?

Running air handler fan constantly is not a good idea. Running it more effectively depends on the season. We have our thermostat set to run the fan a minimum of 5 minutes per hour in the warmer weather. It is also set to run an extra 5 minutes longer than factory default after AC compressor cycles o...
by jabberwockOG
Sat Oct 19, 2019 9:49 am
Forum: Personal Consumer Issues
Topic: One thing to check when buying a used car privately [wheel locks]
Replies: 20
Views: 2301

Re: One thing to check when buying a used car privately [wheel locks]

Wheel locks are useless and can be ripped out in a minute or two with the right tool. Removing a third party auto security system can be risky but leaving it in can also cause problems. Unfortunately many independent shops butcher the car's wiring harness and the electronics system (which in late mo...
by jabberwockOG
Sat Oct 19, 2019 9:40 am
Forum: Personal Consumer Issues
Topic: Apparently Left Store without Paying
Replies: 12
Views: 1897

Re: Apparently Left Store without Paying

It happens. Store staff is usually very good about it and completely nonplussed if they believe it was accidental. Not too long ago, I walked out of a busy Basspro store on a weekend afternoon wearing a pair of $150+ boat-shoes because I had tried on several pairs to replace an old pair I had on, bu...
by jabberwockOG
Sat Oct 19, 2019 12:14 am
Forum: Personal Investments
Topic: Got tricked into a VUL, $40K already in - Need advice with my options
Replies: 22
Views: 3154

Re: Got tricked into a VUL, $40K already in - Need advice with my options

Sorry to say that what you signed up for is not an investment. Instead you put hard earned dollars into a very expensive, and at your age and status, relatively useless life insurance policy. It's unlikely that you will recover much of you money but you could get a lawyer and sue the ex-boyfriend - ...
by jabberwockOG
Mon Oct 14, 2019 10:43 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on cellular annually?
Replies: 59
Views: 4153

Re: How much do you spend on cellular annually?

$1140 per year for my wife and I. Cell phone - Consumer cellular 2 lines and 3gb data for 45.00 month. ATT uverse (fiber to the house) internet - $50 month. No cable TV No landline Use HD antenna for OTA programming and an OTA Tivo box plus stream Netflix and Amazon Prime. - so another $276 per year.
by jabberwockOG
Mon Oct 14, 2019 8:06 am
Forum: Personal Investments
Topic: How much to hold in cash?
Replies: 54
Views: 8083

Re: How much to hold in cash?

The answer for us is how much do we spend each year times five. We hold apprx 5 years of average cost of living for us in a mix of savings, laddered CDs, and short term bond funds that lately (last 12-18 months) have earned apprx 2.5%. This is a relatively small portion of the portfolio so it does n...
by jabberwockOG
Fri Oct 11, 2019 9:10 pm
Forum: Personal Consumer Issues
Topic: When is private (elementary) school worth it?
Replies: 100
Views: 7800

Re: When is private (elementary) school worth it?

We were in a school district that had very large population schools. Kids were evaluated for T&G status pretty early and if qualified pulled out for specific subjects and then later tracked into specific classrooms/teachers that were just T&G students. As such they experienced a very different learn...
by jabberwockOG
Thu Oct 10, 2019 10:10 pm
Forum: Investing - Theory, News & General
Topic: Buying after PR Crisis [Public Relations Crisis (Boeing 737 Max)]
Replies: 65
Views: 5906

Re: Buying after PR Chrisi [Public Relations Crisis (Boeing 737 Max)]

The problems at Boeing are deeper and far more systemic than the FCS issues on the 737Max. Successfully picking individual stocks is a crap-shoot at best.
by jabberwockOG
Thu Oct 10, 2019 4:26 pm
Forum: Personal Consumer Issues
Topic: Keep car entertainment system with fast clock or get refurbished one?
Replies: 33
Views: 1574

Re: Keep car entertainment system with fast clock or get refurbished one?

It is very easy to take out and reinstall the audio system on most Toyotas. I'd have them install the refurb unit. It will be fine.
by jabberwockOG
Wed Oct 09, 2019 3:05 pm
Forum: Personal Consumer Issues
Topic: My mechanic just wrecked my car - advice?
Replies: 101
Views: 8143

Re: My mechanic just wrecked my car - advice?

Do not allow them to repair it - they will cut all possible corners. It is your car and you need to take charge at this point and oversee all repairs. Because your car was damage, regardless of who was driving, call your insurance company and file a claim. The company will then go after the the shop...
by jabberwockOG
Sun Oct 06, 2019 12:12 pm
Forum: Personal Consumer Issues
Topic: Addressing complicated answer to Global Entry question "Have you ever ... had charges that were ... removed"?
Replies: 11
Views: 2128

Re: Addressing complicated answer to Global Entry question "Have you ever ... had charges that were ... removed"?

Answer the question with a YES and then submit details if asked or required. In my experience dealing with various background check questions it is always better to error on the side of too much detail and possibly "oversharing" when there is any doubt about the past rather than having an examiner t...
by jabberwockOG
Thu Oct 03, 2019 9:26 pm
Forum: Personal Investments
Topic: I pulled out... How do I get back in?
Replies: 100
Views: 13486

Re: I pulled out... How do I get back in?

OP, No ETF. Pick a target retirement fund. KlangFool +1 Why target retirement fund instead of 5 etfs? Won’t I be paying too much in fees? Schwab offers Target Date index funds for .08 Thanks, good pointer. I should’ve researched this a bit more before asking. The only thing I don’t like about a tar...
by jabberwockOG
Wed Oct 02, 2019 10:18 pm
Forum: Personal Consumer Issues
Topic: Non stick pan preference?
Replies: 46
Views: 3558

Re: Non stick pan preference?

For most non stick cooking we use a couple of large Tramontini saute pans from Costco. Also use a 12 and 10 inch Lodge cast iron skillets for some cooking. Most of our other cookware/pots/roasting pans/etc are multi-ply stainless All-clad - not cheap but heats, handles, and cooks beautifully and is ...
by jabberwockOG
Sun Sep 29, 2019 3:18 pm
Forum: Personal Consumer Issues
Topic: What is protocol for cleaning house when moving?
Replies: 49
Views: 3405

Re: What is protocol for cleaning house when moving?

We paid maid service to come in and clean after we did the final move out. $300 well spent. We were too exhausted from travel, last minute packing, loading cars, etc. to do much more then shuffle off the property. Don't underestimate how hard a big move can be especially of you are not 35 yo anymore.
by jabberwockOG
Wed Sep 25, 2019 10:49 pm
Forum: Personal Finance (Not Investing)
Topic: first house- 1 bedroom vs. 2 bedroom
Replies: 60
Views: 5143

Re: first house- 1 bedroom vs. 2 bedroom

Renting makes a lot of sense when prices are stupidly high. Being stuck with a 1 million dollar tiny 1 bedroom condo would be pretty bad.

Rent and wait for the next real estate crash. There will most definitely be one, and when it happens buy a 2 bedroom for 40-50% off or more of current prices.
by jabberwockOG
Mon Sep 23, 2019 11:03 pm
Forum: Personal Consumer Issues
Topic: First car for child
Replies: 129
Views: 8134

Re: First car for child

Buy a new teen driver a 5-7 year old 4 cylinder engine sedan like an Accord or Camry, or Avalon. They wont be excited about it but too bad. Do not buy a first time teen driver a full size pickup truck. A new teen driver out driving a huge full size pickup truck is a significant danger to themselves ...
by jabberwockOG
Mon Sep 23, 2019 10:47 pm
Forum: Personal Consumer Issues
Topic: Physical activity suggestions for a non athletic youth
Replies: 189
Views: 9585

Re: Physical activity suggestions for a non athletic youth

Being physically active is part of being fit and healthy. Being fit and healthy effects every part of a person's life and future. To that end for a preteen - 1. Boy /Girl Scouts lots of weekly and monthly activities. 2. Playing a musical instrument especially if it involves marching band. 3. Martial...
by jabberwockOG
Sun Sep 22, 2019 9:28 pm
Forum: Personal Consumer Issues
Topic: Removing ceramic tile with hammerdrill+chisel bits
Replies: 18
Views: 1341

Re: Removing ceramic tile with hammerdrill+chisel bits

It is dirty intensive backbreaking work. I'm a big diy person from most jobs but for tile removal from a concrete floor I would most definitely pay someone else to do it. As others have posted make sure the areas all around and all openings are tightly sealed with plastic and tape.
by jabberwockOG
Sun Sep 22, 2019 9:19 pm
Forum: Personal Consumer Issues
Topic: Traveling to Riyadh for Business
Replies: 46
Views: 3978

Re: Traveling to Riyadh for Business

I'd suggest avoiding the place like the plague. During my career I just personally refused to travel to or visit a long term repressive and misogynistic country like Saudi Arabia. We did send consultants (males only, in a time when adult females were not allowed to drive, or to travel without a male...
by jabberwockOG
Sat Sep 21, 2019 10:36 pm
Forum: Personal Consumer Issues
Topic: *UPDATE* A/C and furnace - flooding
Replies: 52
Views: 4772

Re: A/C and furnace – probable replacement (soon)

Your HVAC is very old, likely not very efficient, ... I'll disagree with these statements because our systems are 26 years-old and efficient. Codes changed around 1992-1993 so that anything newer had to be efficient. These systems should last 30 years, so 18 years old is not bad to me. Agree with t...
by jabberwockOG
Sat Sep 21, 2019 10:49 am
Forum: Personal Consumer Issues
Topic: *UPDATE* A/C and furnace - flooding
Replies: 52
Views: 4772

Re: A/C and furnace – probable replacement (soon)

Life is good but another rainy day is always just around the corner. Use your emergency cash fund (3-6 months living expenses) to pay for a new HVAC. If you don't have a fund it is time to create one and start saving now. Likely you have a clog in drain line or the condensate pump is broken or not g...
by jabberwockOG
Fri Sep 20, 2019 10:51 pm
Forum: Personal Consumer Issues
Topic: Moisture and mold found during home inspection
Replies: 53
Views: 3162

Re: Moisture and mold found during home inspection

Nothing damages a house internally more than water leaks and humidity issues especially if they are left uncorrected for a long time. I suggest that the best policy is to never buy a home that has clearly evident long term water/leak/mold issues. The downside can be huge when you go to make repairs ...
by jabberwockOG
Fri Sep 20, 2019 8:57 am
Forum: Personal Consumer Issues
Topic: How to handle "split-the-bill" group lunches?
Replies: 159
Views: 8297

Re: How to handle "split-the-bill" group lunches?

Anyone doing some serious drinking knows they have run up a significantly higher bill, and if they are a decent person, will not let a non drinker just evenly split a lunch or dinner tab without some comment or offer to square up. Its just common decency to be fair. I dislike greedy mouchers with a ...
by jabberwockOG
Tue Sep 17, 2019 7:18 am
Forum: Personal Consumer Issues
Topic: Looking for recommendations/advice for waterproofing a balcony
Replies: 7
Views: 557

Re: Looking for recommendations/advice for waterproofing a balcony

Flashing between wall and deck joists/floor was most likely not installed properly. Not an easy fix but unless the deck is flashed properly the leak will continue, and potentially seriously damage the wall that is attached to the deck. Tile and grout is not supposed to be waterproof. Sealing is desi...
by jabberwockOG
Sat Sep 14, 2019 8:08 am
Forum: Personal Consumer Issues
Topic: BMW - extended warranty?
Replies: 28
Views: 1890

Re: BMW - extended warranty?

Make sure you get a BMW affiliated warranty and not a generic third party warranty. Shop on line across multiple other bmw dealers for the warranty pricing instead of buying the warranty from your car dealer. Online bmw dealers will sell the exact same warranty direct to you online at significant di...