Search found 3508 matches

by lthenderson
Mon Oct 08, 2018 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Here is a way to fix the current ACA mess. I need comments.
Replies: 4
Views: 610

Re: Here is a way to fix the current ACA mess. I need comments.

Before this is shut down - in my opinion, this healthcare "mess" in the US has many aspects. However, one big aspect is the unnecessary overuse of medical services, tests, drugs, etc. I believe any "fix" must involve reducing such unnecessary products and services - without harmful consequences to ...
by lthenderson
Mon Oct 08, 2018 11:52 am
Forum: Personal Finance (Not Investing)
Topic: ESOP proceeds invest in Co. Stock or pay off debt
Replies: 11
Views: 650

Re: ESOP proceeds invest in Co. Stock or pay off debt

If it were me, I would transfer it into a self directed IRA or 401(k) plan if they had some good options. No way would I take the tax penalty and pay income tax on it until I am retired. As for the other debts, I would work hard to cut expenses where possible to get them to a manageable level and th...
by lthenderson
Mon Oct 08, 2018 9:19 am
Forum: Personal Consumer Issues
Topic: Smarthome system that is local
Replies: 17
Views: 1378

Re: Smarthome system that is local

I don't run around with a tinfoil hat, but I do regularly turn GPS off on my phone to attempt to limit how much Google knows about me. Is there any voice controlled smart home system that is entirely local? If I used any voice controlled thing I would not want some company's server always listening...
by lthenderson
Mon Oct 08, 2018 9:04 am
Forum: Personal Consumer Issues
Topic: What are your strategies when shopping for a house?
Replies: 38
Views: 3463

Re: What are your strategies when shopping for a house?

I've bought all three of my houses after the first and only visit. I'm not sure why one would need five times to decide. I guess if the market is ice cold, one has enough time for five visits but in my market which I would describe as barely luke warm, the best houses still sell in a matter of days ...
by lthenderson
Mon Oct 08, 2018 8:45 am
Forum: Personal Consumer Issues
Topic: Garage Shelving?
Replies: 31
Views: 3400

Re: Garage Shelving?

Any suggestions for cheap (but safe) garage shelves? Personally I would not build my own shelves every again. I've done that several times and though strong, they waste huge amounts of space. For every shelf and assuming you have 1/2" plywood for the actual shelf, you lose 4" of vertical real estat...
by lthenderson
Thu Oct 04, 2018 12:56 pm
Forum: Personal Consumer Issues
Topic: Septic owner protection service contract or NOT?
Replies: 7
Views: 432

Re: Septic owner protection service contract or NOT?

I had a similar service years ago. The straw that broke the camels back was when I had it pumped just a month or so before they arrived and he told me how urgent it was that I should pump it according to his test. The service fee only included his labor and testing twice a year. All parts were addit...
by lthenderson
Thu Oct 04, 2018 8:14 am
Forum: Personal Consumer Issues
Topic: Black suit with dark brown shoes?
Replies: 59
Views: 4055

Re: Black suit with dark brown shoes?

I don't know about everyone else, but I couldn't tell you what shoes anyone has worn to the last formal events I have attended. I just don't spend time looking down at the floor. I would wear the dark brown shoes.
by lthenderson
Thu Oct 04, 2018 8:10 am
Forum: Personal Consumer Issues
Topic: Accepting a Contingency Offer
Replies: 24
Views: 1494

Re: Accepting a Contingency Offer

We received one of these when we were selling our last house - not entirely uncommon; we wrote up a counter-acceptance that we accepted the contingency offer with the condition that if we received another offer on our house before we closed with them, they had 24 hours to remove the contingency or ...
by lthenderson
Wed Oct 03, 2018 1:20 pm
Forum: Personal Consumer Issues
Topic: Remember traveler's checks? How to cash a forgotten stash
Replies: 29
Views: 3506

Re: Remember traveler's checks? How to cash a forgotten stash

lynneny wrote:
Wed Oct 03, 2018 11:53 am
About $180 in Visa travelers checks.
I guess for $180, I might fire off a few emails or phonecalls looking for an easy solution but I wouldn't lose any sleep if nothing comes of it. Worst case, I would fill them out and give to a charity and let them figure it out.
by lthenderson
Wed Oct 03, 2018 1:14 pm
Forum: Personal Consumer Issues
Topic: Tipping
Replies: 55
Views: 3998

Re: Tipping

Why are people here against tips but then is accepted that charitable giving is ok? Although not against tipping, I think the difference between tipping and charitable giving is the expectation on the recipients part. When I give to charity, there is no expectation whatsoever that they are receivin...
by lthenderson
Wed Oct 03, 2018 1:05 pm
Forum: Personal Consumer Issues
Topic: Water Leak During New Home Construction
Replies: 40
Views: 2479

Re: Water Leak During New Home Construction

You don't have to disclose past leaks that have been fixed. You do have to report unfixed leaks so your future market value loss is not a valid claim. This is 100% false (in my state, and likely the OP's). Disclosure forms typically ask about any PREVIOUS or CURRENT issues. Here is the exact wordin...
by lthenderson
Wed Oct 03, 2018 8:11 am
Forum: Personal Finance (Not Investing)
Topic: Home inspection- helping a friend
Replies: 12
Views: 1150

Re: Home inspection- helping a friend

Sounds like the new homeowner trying to bluff or guilt your friend into paying them money. I would not do or say a thing until I received notification of a lawsuit in progress. Only then would I contact a lawyer. I know of many people who threaten to sue others all the time and have yet to actually ...
by lthenderson
Wed Oct 03, 2018 8:04 am
Forum: Personal Consumer Issues
Topic: Finding a contractor for built-in bbq grill installation
Replies: 5
Views: 362

Re: Finding a contractor for built-in bbq grill installation

Call a plumber. Plumbing gas lines is not much different than plumbing water and sewer lines.
by lthenderson
Wed Oct 03, 2018 7:50 am
Forum: Personal Consumer Issues
Topic: Water Leak During New Home Construction
Replies: 40
Views: 2479

Re: Water Leak During New Home Construction

Future market value of the home - I will now have to disclose that there was a water leak that I know about Potential future mold/rotting problems - Want a bank warranty guarantee that can be called upon in case builder/plumbing company does not exist in future Extra interest paid on construction l...
by lthenderson
Wed Oct 03, 2018 7:40 am
Forum: Personal Consumer Issues
Topic: Sconces, fixtures without replaceable bulbs/LEDs
Replies: 14
Views: 817

Re: Sconces, fixtures without replaceable bulbs/LEDs

In my experience, LED quality is all over the map. I have bought some in the past that are now closing in on about six years old. I redid my office here about three years ago and put in all new LED bulbs and have replaced every single one since. I never kept track of what brand was what unfortunatel...
by lthenderson
Tue Oct 02, 2018 8:26 am
Forum: Personal Consumer Issues
Topic: Tipping
Replies: 55
Views: 3998

Re: Tipping

The only certainty about asking a tipping question on this forum is that you will get every conceivable answer in return.
by lthenderson
Tue Oct 02, 2018 8:02 am
Forum: Personal Consumer Issues
Topic: New Apartment, city noise
Replies: 43
Views: 3335

Re: New Apartment, city noise

Another farm boy who moved to the city for a period of time with train tracks and all kinds of other noise to contend with. After a couple weeks, I did get used to it and eventually it would be brought to my attention when visitors would point out the noise and I hadn't noticed. Eventually I moved b...
by lthenderson
Tue Oct 02, 2018 7:58 am
Forum: Personal Consumer Issues
Topic: New Homeowners - Paint first or fix hard wood floors first?
Replies: 15
Views: 1273

Re: New Homeowners - Paint first or fix hard wood floors first?

As the title says. We just bought a home and are looking to fix up some of the stuff to our liking. Now we going to paint all the rooms and fix the hardwood floors. The question is what do we start off with first? Floors or painting? As someone who does this as a hobby, I always do the floors last....
by lthenderson
Mon Oct 01, 2018 12:36 pm
Forum: Personal Consumer Issues
Topic: Lifetime alignment services
Replies: 14
Views: 990

Re: Lifetime alignment services

My local tire shop offers free alignment with purchase of four new tires and will do free alignments for the life of those new tires should uneven wear show. In all my decades of driving, they only did a second alignment once when I noticed a severe uneven wear pattern after a few months of driving ...
by lthenderson
Mon Oct 01, 2018 12:22 pm
Forum: Personal Consumer Issues
Topic: Airline shortened layover
Replies: 17
Views: 1381

Re: Airline shortened layover

We aren’t experienced travelers, so any advice would be appreciated. Welcome to the modern age of packing flights full which means changing schedules frequently. The last tickets I bought four months in advance had portions of them changed six different times before the scheduled day arrived. We ha...
by lthenderson
Mon Oct 01, 2018 8:34 am
Forum: Personal Consumer Issues
Topic: Used Car on Lot for Year and a Half
Replies: 36
Views: 3647

Re: Used Car on Lot for Year and a Half

There is a 2010 Pontiac Vibe that seems like a good deal, but the dealer has had it for 1.5 years. Should I avoid this? Other than that, it seems like a good deal.. Been struggling to find a decent used car for 6-8k in the Sacramento area. https://www.capcitiauto.com/mobile/VehicleDetail.aspx?Inven...
by lthenderson
Fri Sep 28, 2018 8:14 am
Forum: Personal Consumer Issues
Topic: Installing a wall mounted mailbox
Replies: 3
Views: 320

Re: Installing a wall mounted mailbox

I've never had much luck with using adhesive on weather exposed dissimilar materials. If you have the proper drill and bit, there isn't much risk of damaging the stone or cracking it. Use a hammer drill and a bit made for drilling in stone. The only time you should worry about cracking the stone is ...
by lthenderson
Thu Sep 27, 2018 2:14 pm
Forum: Personal Consumer Issues
Topic: Am I the only one...[using multiple accounts]
Replies: 27
Views: 1425

Re: Am I the only one...

We have only a single checking and saving account which handle everything except for our investments.
by lthenderson
Thu Sep 27, 2018 8:07 am
Forum: Personal Finance (Not Investing)
Topic: How to charge much higher than Credit Card Limit
Replies: 39
Views: 3506

Re: How to charge much higher than Credit Card Limit

I have a federal + state tax payment in excess of $1mm coming up due to sale of a business asset. I would much rather pay it using credit cards (I understand the fee. Miles value still works out much better) but card only has $50k limit. I am contemplating to charge card say for $50K to pay taxes, ...
by lthenderson
Thu Sep 27, 2018 7:57 am
Forum: Personal Consumer Issues
Topic: Good flip flops
Replies: 46
Views: 3500

Re: Good flip flops

Are there any good flip flops (any particular brands?) with good cushioning and for folks with flatter arches? My feet are as flat as pancakes and I have always used Teva's sandals. The latest ones I bought three or four years ago to replace my 20 year old Teva's before that are Teva Toachi's. http...
by lthenderson
Thu Sep 27, 2018 7:51 am
Forum: Personal Consumer Issues
Topic: Suggestions on Phonics & Reading programs for 4 year old? Pre-K to Kindergarten
Replies: 27
Views: 1269

Re: Suggestions on Phonics & Reading programs for 4 year old? Pre-K to Kindergarten

Any good suggestions that you have personally used or experienced? (for a gift to the mom to help a niece or granddaughter etc). TO TEACH A CHILD TO READ. Something that is NOT COMPLICATED. The Reading Lesson: Teach your child to read in 20 easy lessons. https://www.amazon.com/Reading-Lesson-Teach-...
by lthenderson
Wed Sep 26, 2018 2:27 pm
Forum: Personal Consumer Issues
Topic: Car predicament
Replies: 14
Views: 2447

Re: Car predicament

CFM300 wrote:
Wed Sep 26, 2018 12:52 pm
If they no longer want the car, replace/repair the engine and then sell the car and buy something else.
+1

Google shows one can purchase a new engine for about $2k and one could probably get a rebuilt used one for less than half that.
by lthenderson
Wed Sep 26, 2018 2:21 pm
Forum: Personal Consumer Issues
Topic: Switching to FIOS, frozen credit, thaw required?
Replies: 8
Views: 697

Re: Switching to FIOS, frozen credit, thaw required?

I have always filed the request first and then let the company send me a letter saying they couldn't process my request because they couldn't access my credit at XYZ credit bureau. Once I have the name of the credit bureau they use, I thaw it, call the number given on the letter and they do the cred...
by lthenderson
Wed Sep 26, 2018 8:00 am
Forum: Personal Consumer Issues
Topic: Which type of Primary Care Physician?
Replies: 54
Views: 4233

Re: Which type of Primary Care Physician?

My experience is that internal medicine doctors really like to deal with arteries, blood pressure, and things like that. They will phone in prescriptions for sore throats and pretty much refer you to another doctor for anything else. Basically, you won't need to see your internal medicine physician...
by lthenderson
Wed Sep 26, 2018 7:53 am
Forum: Personal Consumer Issues
Topic: Anyone ever tired of managing hair and consider shaving to go bald
Replies: 59
Views: 4404

Re: Anyone ever tired of managing hair and consider shaving to go bald

I've thought about it. I definitely do not like long hair. I can't believe I had long hair as a teenager. I mean really long. What a lot of work that was just to shampoo. And it was hot, and always falling in my face. No way I'd ever do that again. I keep mine about 1/2 inch on top, and 1/4 on the ...
by lthenderson
Tue Sep 25, 2018 5:20 pm
Forum: Personal Consumer Issues
Topic: Which type of Primary Care Physician?
Replies: 54
Views: 4233

Re: Which type of Primary Care Physician?

The scope of what an internal medicine doctor is less than that of a family doctor so they tend to be more focused on middle age ailments. Likewise, a geriatrician has even a more specific scope so that would be my recommendation at your age.
by lthenderson
Tue Sep 25, 2018 10:06 am
Forum: Personal Consumer Issues
Topic: Need advice on kitchen cabinet
Replies: 16
Views: 1093

Re: Need advice on kitchen cabinet

In my experience, option two will almost always be the cheapest route.

Option one is very very time consuming and unless done properly, has lots of ways the new finish can fail prematurely.
by lthenderson
Tue Sep 25, 2018 10:04 am
Forum: Personal Consumer Issues
Topic: Flu shot reaction? Getting flu shot this year?
Replies: 69
Views: 2373

Re: Flu shot reaction? Getting flu shot this year?

Big Dog wrote:
Tue Sep 25, 2018 10:01 am
outside of a rare sore bicep for a few hours, never had a reaction to a flu shot. Been getting them for years, as has my family.

But some people do have a reaction. Definitely ask your doctor first.
+1

My experience as well.
by lthenderson
Tue Sep 25, 2018 10:02 am
Forum: Personal Consumer Issues
Topic: Bathroom and Basement Remodel Costs
Replies: 56
Views: 3803

Re: Bathroom and Basement Remodel Costs

When we looked at new construction, most builders in our quality range said, without even looking at plans, “budget for $200/sq ft excluding lot and improvements.” I think that is fairly reasonable in many places for new home construction averaged over an entire house. However, bathrooms and kitche...
by lthenderson
Mon Sep 24, 2018 12:48 pm
Forum: Personal Consumer Issues
Topic: Digitalizing Old Photos Help
Replies: 22
Views: 1633

Re: Digitalizing Old Photos Help

I've finally decided to start the huge project of converting a big box of old photos to digital. I haven't done this before at all. Can someone lead me to the best method of doing this, barring a professional service? Thanks!! The most cost effective way is to DIY. Buy yourself a nice scanner to ho...
by lthenderson
Mon Sep 24, 2018 12:40 pm
Forum: Personal Consumer Issues
Topic: Concrete sealers
Replies: 9
Views: 1080

Re: Concrete sealers

I poured an entirely new concrete floor in my garage about four years ago. I put the contents of the garage in the dining room (which was closest to the inside garage door) and moved the dining room table into the living room. I had it like that for several weeks until I got everything moved back. I...
by lthenderson
Mon Sep 24, 2018 12:33 pm
Forum: Personal Consumer Issues
Topic: Vacation without saving adequately?
Replies: 70
Views: 5188

Re: Vacation without saving adequately?

We were approached by a couple who wants to go on a ski trip this winter. We will likely not be able to save up enough to cover the costs without dipping into savings. We are in a comfortable position, fully contributing to our 401k and Roths and have 6 months of expenses tucked away. I am feeling ...
by lthenderson
Sat Sep 22, 2018 10:56 am
Forum: Personal Consumer Issues
Topic: Bathroom and Basement Remodel Costs
Replies: 56
Views: 3803

Re: Bathroom and Basement Remodel Costs

That said, anyone had any experience with more attractive options than your typical 2X2 system? Any drop-ins that are more pleasing to look at while also holding the noise down well? I've used CeilingMAX systems several times and those are available in many of the big box hardware stores. The nice ...
by lthenderson
Fri Sep 21, 2018 8:08 am
Forum: Personal Consumer Issues
Topic: Rear ended - Take the Cash?
Replies: 18
Views: 1852

Re: Rear ended - Take the Cash?

Some things to consider in your decision: The accident will be attached to the VIN number so I would be surprised if you can get that much for it, if the other buyer does their due diligence. Things I have seen from rear end crashes, uneven and accelerated tire wear from a bent frame and snapped off...
by lthenderson
Fri Sep 21, 2018 7:52 am
Forum: Personal Consumer Issues
Topic: Need iPhone case recommendations
Replies: 19
Views: 1148

Re: Need iPhone case recommendations

Just pre-ordered a new iPhone XS. This is reportedly Apple's "most breakable" phone. Can't trust Amazon reviews anymore. Can anyone recommend one that is durable, and under $40? Usual suspects are: spigen, speck, otterbox, and incipio Thanks The last phone case I ordered was from Apple itself and i...
by lthenderson
Fri Sep 21, 2018 7:44 am
Forum: Personal Consumer Issues
Topic: Bathroom and Basement Remodel Costs
Replies: 56
Views: 3803

Re: Bathroom and Basement Remodel Costs

When we looked at new construction, most builders in our quality range said, without even looking at plans, “budget for $200/sq ft excluding lot and improvements.” I think that is fairly reasonable in many places for new home construction averaged over an entire house. However, bathrooms and kitche...
by lthenderson
Thu Sep 20, 2018 11:16 am
Forum: Personal Consumer Issues
Topic: Bathroom and Basement Remodel Costs
Replies: 56
Views: 3803

Re: Bathroom and Basement Remodel Costs

I'm at $130K for these two projects. Wife is a go on the bathroom but doesn't think basement is necessary. I want to do the basement because right now it's just not done well, bar is too big and in the wrong spot, and we don't spend any time down there (Kids do). Right now with a booming economy, i...
by lthenderson
Thu Sep 20, 2018 10:52 am
Forum: Personal Consumer Issues
Topic: Proposal for Structural Damage
Replies: 12
Views: 1018

Re: Proposal for Structural Damage

1. Neither. Get proposals from at least several more General Contractors (licensed,insured,bonded) in your area with experience in this type of work. You will get more input from them regarding what is needed, who should be called, and if engineering services are required. 2. No. The work needed ca...
by lthenderson
Thu Sep 20, 2018 10:43 am
Forum: Personal Consumer Issues
Topic: Painting kitchen cabinet
Replies: 23
Views: 1388

Re: Painting kitchen cabinet

An option. Cabinetry can also be updated by refinishing the face frames and replacing all the doors and drawer faces. +1 I've done it myself, sanding and repainting with all the other assorted steps and it is a lot of labor and a lot of time to do a great job. If I ever do it again, I'm going the r...
by lthenderson
Wed Sep 19, 2018 8:13 am
Forum: Personal Consumer Issues
Topic: Patio furniture covers
Replies: 8
Views: 760

Re: Patio furniture covers

I don't think I would use covers either. In my experience, covers tend to condensate humid air under the cover onto whatever object it is covering which leads to mold and mildew problems on furniture and rust problems on things like grills.
by lthenderson
Wed Sep 19, 2018 8:03 am
Forum: Personal Consumer Issues
Topic: Is this a potentially dangerous electrical issue that needs to be addressed?
Replies: 19
Views: 2147

Re: Is this a potentially dangerous electrical issue that needs to be addressed?

What are you suggesting the electrical tape for? The outlet should be wired directly or pigtails connected with wire nuts. Side-wire terminals are screws, that are exposed and hot. As an extra layer of insurance, I always wrap the recessed portion of the outlet with electrical tape to cover these t...
by lthenderson
Tue Sep 18, 2018 11:03 am
Forum: Personal Consumer Issues
Topic: Speaker for Apple 4K TV help
Replies: 4
Views: 428

Re: Speaker for Apple 4K TV help

Have you thought about headphones? I recently set up some relatives with them for similar complaints when one watches late at night while the other is in bed.
by lthenderson
Tue Sep 18, 2018 10:49 am
Forum: Personal Consumer Issues
Topic: When did you decide to move from your home to senior living?
Replies: 15
Views: 3127

Re: When did you decide to move from your home to senior living?

No personal experience but I helped my grandparents move to an independent living facility with a common dining area a year and a half ago. My grandfather (age 88) was having a hard time getting around, especially navigating steps and long distances due to a breathing issue. My grandmother (age 84) ...
by lthenderson
Tue Sep 18, 2018 10:41 am
Forum: Personal Consumer Issues
Topic: Potential Water Leak Issue/Irregular Water Usage
Replies: 9
Views: 617

Re: Potential Water Leak Issue/Irregular Water Usage

Starting last Wednesday, the usage shot up to 650 gallons, back to a roughly normal amount of 200 on Thursday, then 450 on Friday, 300 on Saturday, then 750 on Sunday. Two potential explanations I could think if: 1) We did have a new toilet installed on Friday, Sept. 7 in one of our 3 bathrooms. It...