Search found 3132 matches

by lthenderson
Fri May 04, 2018 1:25 pm
Forum: Personal Consumer Issues
Topic: Growing Fruit Trees and Shrubs
Replies: 30
Views: 2524

Re: Growing Fruit Trees and Shrubs

I also agree that it really isn't very labor intensive to grow fruit trees. I pretty much stick them in the ground and ignore them for a few years until they start setting fruit in significant quantities to pick. I generally visit my local nursery in the fall and get their leftovers for a fraction o...
by lthenderson
Fri May 04, 2018 8:49 am
Forum: Personal Consumer Issues
Topic: Permanent Address for banking
Replies: 10
Views: 937

Re: Permanent Address for banking

I doubt the bank really cares how "permanent" an address is when one can change it within a few minutes by just logging onto your account. I would just put whatever address is convenient for your sister and when she moves, she can just log into her account and change it.
by lthenderson
Fri May 04, 2018 8:23 am
Forum: Personal Finance (Not Investing)
Topic: How old is too old for a vehicle, even for a well running one ?
Replies: 83
Views: 5076

Re: How old is too old for a vehicle, even for a well running one ?

you never know when something might fail due to age and become an expensive repair. What's your fear of driving an old vehicle? It used to be getting stranded in the middle of nowhere but in today's smartphone world, that really isn't possible anymore. So what if your vehicle stops on the freeway a...
by lthenderson
Fri May 04, 2018 8:01 am
Forum: Personal Consumer Issues
Topic: Need advice on $5M property sale
Replies: 39
Views: 4088

Re: Need advice on $5M property sale

I know realtors charge 6-7% for sale of houses etc but what happens to that commission on a large deal like this? We have not signed the contract as of yet. Any advice would be appreciated. Why are you even using a realtor? I live in the rural Midwest and when we sell a farm, we simply call up the ...
by lthenderson
Fri May 04, 2018 7:55 am
Forum: Personal Consumer Issues
Topic: Permanent Address for banking
Replies: 10
Views: 937

Re: Permanent Address for banking

I know a couple people who use a mail forwarding service. They can go online and enter any address that they want their parcels forwarded to and change it as often as they want. For regular mail, it gets scanned and put in a digital mailbox so they can view and deal with from any computer in the wor...
by lthenderson
Thu May 03, 2018 4:19 pm
Forum: Personal Consumer Issues
Topic: A Clamp, My Kingdom for a Clamp
Replies: 6
Views: 871

Re: A Clamp, My Kingdom for a Clamp

Menard's offers a Suspensulator to support pipes. https://www.menards.com/main/pipe-supports/pipe-hangers-accessories/cts-suspensulator-trade/558-e2pk2/p-1444442673668-c-9424.htm?tid=-1337907579724513502&ipos=2 You could use this under the deck on a couple of joists to support the pipe. This looks ...
by lthenderson
Thu May 03, 2018 10:52 am
Forum: Personal Consumer Issues
Topic: Bucket List Adventures/Activities
Replies: 110
Views: 8234

Re: Bucket List Adventures/Activities

I have been able to cross off many of my bucket list items at a fast enough pace to suit my tastes, all except for one. The one bucket list activity that I hope to accomplish someday is to read every single book in my library. Alas, I seem to buy books faster than I can read them all though.
by lthenderson
Thu May 03, 2018 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Budget for kid's sport?
Replies: 49
Views: 2354

Re: Budget for kid's sport?

We limit our kids amount of paid extracurricular activities. However, they have unlimited opportunity to do yard work, work on the farm, take bicycle rides, go hiking, running, skating, playing with other friends at the park/basketball courts/etc.
by lthenderson
Thu May 03, 2018 9:26 am
Forum: Personal Finance (Not Investing)
Topic: advice about mortgage options
Replies: 14
Views: 802

Re: advice about mortgage options

When times are good, you can always pay off the 30 year fixed faster if desired. However you can't slow down the payments on a 15 year fixed if something like a job loss or something else happens and money becomes short.
by lthenderson
Thu May 03, 2018 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Health insurance, do we need it and how?
Replies: 23
Views: 2623

Re: Health insurance, do we need it and how?

My wife and I are considering retirement next year at 55. We want to sell our house and travel out of the U.S. for the next few years. The problem that bothers us is the health insurance. Upon retirement, we can buy my employer's health insurance for about $18,000 a year, no deductible but some cop...
by lthenderson
Thu May 03, 2018 9:02 am
Forum: Personal Consumer Issues
Topic: Costco Vs Amazon Prime
Replies: 62
Views: 4051

Re: Costco Vs Amazon Prime

Amazon Prime delivers to my door step in two days.

Costco is 210 miles drive round trip.
by lthenderson
Thu May 03, 2018 8:54 am
Forum: Personal Consumer Issues
Topic: One Bathroom in Home Change Bathtub to Only Shower Hurt Resale?.
Replies: 32
Views: 2126

Re: One Bathroom in Home Change Bathtub to Only Shower Hurt Resale?.

Like others, I agree you will limit the amount of people interested in buying it without a tub and thus may hurt the resale value but since you are planning on living there for 20+ years, who really cares. My parents redid their only bathroom into a zero clearance walk-in shower last year. I think i...
by lthenderson
Tue May 01, 2018 11:13 am
Forum: Personal Consumer Issues
Topic: Trout Fishing
Replies: 4
Views: 616

Re: Trout Fishing

Taking the kids to a fishing derby at the local pond with stocked trout. What kind of hooks do you suggest we use? While I do most of my trout fishing using flies and a flyrod, I would recommend that when you go to a derby where you catch and release trout, to debarb your hook first using a file or...
by lthenderson
Tue May 01, 2018 11:07 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3067
Views: 945883

Re: What Book Are You Currently Reading? Part VI

Truck: A Love Story by Michael Perry An excellent book that chronicles a year in the author's life as he works to fix up a 1953 International Harvester truck, raised a vegetable garden and met and married his wife. I'm addicted to Michael Perry's writing style which is in essay form and those essays...
by lthenderson
Tue May 01, 2018 11:01 am
Forum: Personal Consumer Issues
Topic: electric shock hazard [opening a DVD player]
Replies: 11
Views: 1211

Re: electric shock hazard

Yes you can open it without being shocked, assuming it remains unplugged.

We donate ours to a local STEM event and the kids take them apart to learn how they work and to build other things from all the parts.
by lthenderson
Tue May 01, 2018 10:59 am
Forum: Personal Consumer Issues
Topic: Anyone else use AmazonSmile?
Replies: 31
Views: 2604

Re: Anyone else use AmazonSmile?

motorcyclesarecool wrote:
Tue May 01, 2018 7:23 am
How much work is it for the nonprofit to participate?
It takes about ten minutes to set up on Amazon.

https://org.amazon.com/ref=smi_se_saas_org_org
by lthenderson
Tue May 01, 2018 10:53 am
Forum: Personal Consumer Issues
Topic: Fiber cable on front lawn
Replies: 39
Views: 2663

Re: Fiber cable on front lawn

Six months ago, Century Link came and installed fiber in the neighborhood and left a 20ft black cable on my lawn. The cable rises from a underground tube. Been there and done that. The cable company has installed the main fiber line in the easement and then later will come back and install a line f...
by lthenderson
Tue May 01, 2018 10:48 am
Forum: Personal Consumer Issues
Topic: Must See in South Dakota
Replies: 58
Views: 4232

Re: Must See in South Dakota

Corn Palace Pierre (state capitol) Badlands NP Wall Drug Minuteman Missile Silo NM A great list though I would add an additional word about the Minuteman Silo. At least when I went a handful of years back, the place where you bought the ticket was ten miles past the actual silo (coming from Minneso...
by lthenderson
Tue May 01, 2018 10:44 am
Forum: Personal Consumer Issues
Topic: Must See in South Dakota
Replies: 58
Views: 4232

Re: Must See in South Dakota

Crazy Horse is a ripoff. You can see everything worth seeing from the road. Ummm the museum pieces were very nice and you cannot see those from the road. We're talking about the giant 1/20th finished competitor to Mt. Rushmore, right? We walked through the buildings near the parking lot. I was unaw...
by lthenderson
Mon Apr 30, 2018 1:38 pm
Forum: Personal Consumer Issues
Topic: Northern Hiking/Walking Vacation
Replies: 19
Views: 1400

Re: Northern Hiking/Walking Vacation

I will second the north shores of Lake Superior in Minnesota. I have spent many many summers there hiking the various trails. A good place to home base is near Lutsen where there is a ski resort by winter and plenty of rentals in summer.
by lthenderson
Mon Apr 30, 2018 10:33 am
Forum: Personal Finance (Not Investing)
Topic: When to buy a new car (need to find a Boglehead way)
Replies: 34
Views: 2776

Re: When to buy a new car (need to find a Boglehead way)

Generally, the longer you keep the car, the cheaper it becomes to use. In your example, the first four years have cost you $3750 per year just in depreciation costs alone. Using your figures again and assuming the other costs will remain the same, your depreciation costs will go down to $2500 per ye...
by lthenderson
Mon Apr 30, 2018 10:15 am
Forum: Personal Consumer Issues
Topic: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?
Replies: 187
Views: 8981

Re: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?

gasdoc wrote:
Mon Apr 30, 2018 10:00 am
The cell phone coverage is something I have thought about. Will a stand-alone GPS unit work in those areas?
Yes, GPS are satellite based.
by lthenderson
Mon Apr 30, 2018 8:38 am
Forum: Personal Consumer Issues
Topic: Double hung window sticking - How to fix?
Replies: 4
Views: 502

Re: Double hung window sticking - How to fix?

Some of our double hung windows are difficult to open & close. The windowsframes & jambs are vinyl. Just about every time I run into this situation, it is due to house settling issues and your window frames no longer being square. To fix this greatly depends on how they were installed, i.e. nailed ...
by lthenderson
Mon Apr 30, 2018 8:34 am
Forum: Personal Consumer Issues
Topic: Windows/house
Replies: 9
Views: 1220

Re: Windows/house

Just starting my research for new windows on my house. House is 20 years old, the windows in the last year have all had the seal strip thing fall off. Why do you think you need new windows? The "seal strip" that fell off is weatherstripping. It probably only costs a couple of dollars per window and...
by lthenderson
Mon Apr 30, 2018 8:31 am
Forum: Personal Consumer Issues
Topic: Maple syrup
Replies: 59
Views: 5144

Re: Maple syrup

I trade pure honey for maple syrup from a syrup maker in Wisconsin. He sends me a case of syrup every year and I send him a case of honey. I've been doing it for over two decades now.
by lthenderson
Mon Apr 30, 2018 8:28 am
Forum: Personal Consumer Issues
Topic: Advice on cleaning up after a kitchen fire?
Replies: 8
Views: 982

Re: Advice on cleaning up after a kitchen fire?

You need to clean every single surface with Trisodium Phosphate (TSP) which is a fairly harsh chemical used to remove soot so be sure to follow directions and wear appropriate safety gear. For porous materials like ceilings and walls, after gettign the soot off using TSP and letting it dry, you stil...
by lthenderson
Mon Apr 30, 2018 8:22 am
Forum: Personal Consumer Issues
Topic: Preventing Smoke from Seeping In
Replies: 22
Views: 2264

Re: Preventing Smoke from Seeping In

The most likely space between condos where smoke is wafting into your condo is in the attic or at the ceiling. If you have an attic, it is likely open across all the condos to allow proper ventilation which means every single ceiling penetration you have in your condo is a possible leak to allow smo...
by lthenderson
Mon Apr 30, 2018 8:11 am
Forum: Personal Consumer Issues
Topic: 3 days in London - must dos?
Replies: 31
Views: 1986

Re: 3 days in London - must dos?

Definitely go see musical. London Theater is a wonderful experience. You can get last minute tickets at TKTS on Leicester Square. The British Museum is a must. Get some pub food. Years ago my day clued me into London theater, same quality as Broadway but cheaper and they have many small intimate ol...
by lthenderson
Sat Apr 28, 2018 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: Last logon not registering at Vanguard
Replies: 3
Views: 439

Re: Last logon not registering at Vanguard

Don't know if it is related but I had some bank transfers that didn't register with Vanguard. When I called them up, they said they were having a lot of problems with their system. This was Friday. Tonight, one of my transfers has now registered but the other one is still "missing" though the lady o...
by lthenderson
Sat Apr 28, 2018 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: How To Handle Auto Accident Insurance Company Letter
Replies: 16
Views: 2211

Re: How To Handle Auto Accident Insurance Company Letter

Our question is whether we need to utilize a Personal Injury Lawyer to handle the case or just deal directly with the other driver's insurance company. Any input would be appreciated. Had a similar thing happen to me over a year ago. I called my insurance company and they advice me to call up the o...
by lthenderson
Sat Apr 28, 2018 7:25 pm
Forum: Personal Consumer Issues
Topic: Which literary magazine do you read?
Replies: 12
Views: 774

Re: Which literary magazine do you read?

I enjoy The Atlantic even though many of their articles differ from my political views.

https://www.theatlantic.com/
by lthenderson
Fri Apr 27, 2018 12:16 pm
Forum: Personal Consumer Issues
Topic: Amazon to raise Prime membership in US to $119 from $99
Replies: 145
Views: 11111

Re: Amazon to raise Prime membership in US to $119 from $99

I won't be renewing. Bezos has shown his greedy side and I no longer wish to support that. Exactly this. I used to use Amazon for buying DVDs and Blu-ray discs. But then I heard about the atrocious work environment of the Amazon employees. The CEO has $100 billion and the warehouse workers are urin...
by lthenderson
Fri Apr 27, 2018 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Buy or build
Replies: 21
Views: 1546

Re: Buy or build

What does your spouse think? +1000 Building the house is a lot cheaper than paying for a divorce. Money is often a big factor in why people get divorced and someone being too frugal can be almost as stressful as having some who overspends a lot. I've always heard building a house together is a big ...
by lthenderson
Fri Apr 27, 2018 8:28 am
Forum: Personal Consumer Issues
Topic: Extended Warranty for Honda Odyssey - worth it?
Replies: 23
Views: 2067

Re: Extended Warranty for Honda Odyssey - worth it?

I am mostly concerned about the motorized doors, power lift gate, nav/electronics going bad. None of the actuators for those doors cost anywhere close to that much, nor do the sensors or wires running them. Even the navigation screen runs around $250. If you are handy with a screwdriver, it is much...
by lthenderson
Fri Apr 27, 2018 8:20 am
Forum: Personal Consumer Issues
Topic: Ikea Quality
Replies: 37
Views: 2878

Re: Ikea Quality

As I have gotten older, I have realized that it is better to buy good quality furniture from the start as the good stuff lasts forever. +1 IKEA furniture is disposable furniture. Single use not made to move around and thus environmentally unfriendly. You get what you pay for. I made the decision ov...
by lthenderson
Fri Apr 27, 2018 8:12 am
Forum: Personal Consumer Issues
Topic: Amazon to raise Prime membership in US to $119 from $99
Replies: 145
Views: 11111

Re: Amazon to raise Prime membership in US to $119 from $99

If I need something within two days, it is a $50 bill worth of gas to drive to the urban jungle and back and then I have to deal with all you people to boot. Amazon would be a deal for me at three times this new price.
by lthenderson
Thu Apr 26, 2018 5:49 pm
Forum: Personal Consumer Issues
Topic: Learning to drive a stick [car with manual transmission]
Replies: 126
Views: 6201

Re: Learning to drive stick

I personally wouldn’t want to rent one in a country where you sit in the “wrong” seat and on the “wrong” side of the road and shift with my left hand. And, definitely not while going into a roundabout. I thought this would be an issue too but surprisingly, it was the easiest part of the experience ...
by lthenderson
Thu Apr 26, 2018 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Buy or build
Replies: 21
Views: 1546

Re: Buy or build

Am I crazy to consider waking away from this house that we have already invested the past year designing and $10-15k preparing to build? Assuming the $10-15k is mostly in architect fees in designing the new house and you get to keep the prints, it really isn't wasted. I would stick them in a drawer...
by lthenderson
Thu Apr 26, 2018 3:22 pm
Forum: Personal Consumer Issues
Topic: Anyone have a Recycled Asphalt Driveway?
Replies: 5
Views: 582

Re: Anyone have a Recycled Asphalt Driveway?

No experience with recycled asphalt but I haven't seen regular asphalt hold up very long or well in places with lots of freezing rain and snow. They tend to break up pretty fast and get dips and heaves in them pretty quickly compared to reinforced concrete or crusher run driveways. Is your view on ...
by lthenderson
Thu Apr 26, 2018 10:44 am
Forum: Personal Consumer Issues
Topic: Anyone have a Recycled Asphalt Driveway?
Replies: 5
Views: 582

Re: Anyone have a Recycled Asphalt Driveway?

No experience with recycled asphalt but I haven't seen regular asphalt hold up very long or well in places with lots of freezing rain and snow. They tend to break up pretty fast and get dips and heaves in them pretty quickly compared to reinforced concrete or crusher run driveways.
by lthenderson
Thu Apr 26, 2018 10:39 am
Forum: Personal Consumer Issues
Topic: Switching back & forth between pharmacies? Sams? Goodrx?
Replies: 10
Views: 488

Re: Switching back & forth between pharmacies? Sams? Goodrx?

I think Sam's Club allows you to transfer your prescription to a nearby Walmart as well which might be a lot closer. Edited to add: From their website 7.) As an additional convenience, you also may have your prescription(s) transferred to any Walmart store or Neighborhood Market. https://help.samscl...
by lthenderson
Wed Apr 25, 2018 8:44 am
Forum: Personal Consumer Issues
Topic: Do you have a car w/o ABS?
Replies: 53
Views: 2352

Re: Do you have a car w/o ABS?

My 20 year old daily driver doesn't have ABS. While I feel safe driving it during the summer, I do notice the difference during the winter season when the roads are a mess and I have to be much more cautious on the amount of braking force I use. I compensate by putting on grippy snow tires but that ...
by lthenderson
Wed Apr 25, 2018 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Building a New Home (Talk me out of it!)
Replies: 61
Views: 4750

Re: Building a New Home (Talk me out of it!)

We live in a town with mostly small lots and have a very nice house (on a small lot). Wife always dreams of having more land but wants to stay in the same town for variety of reasons (if we moved further out in the burbs we could get LOTS of land) A large (for our town) lot has come on the market o...
by lthenderson
Tue Apr 24, 2018 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Building a New Home (Talk me out of it!)
Replies: 61
Views: 4750

Re: Building a New Home (Talk me out of it!)

We live in a town with mostly small lots and have a very nice house (on a small lot). Wife always dreams of having more land but wants to stay in the same town for variety of reasons (if we moved further out in the burbs we could get LOTS of land) A large (for our town) lot has come on the market o...
by lthenderson
Tue Apr 24, 2018 10:08 am
Forum: Personal Consumer Issues
Topic: Possibly but not definite house change in 4-5 years - plan for down payment?
Replies: 16
Views: 923

Re: Possibly but not definite house change in 4-5 years - plan for down payment?

So I'd like to be able to jump on a sale with no conditions. The best way to do this is with enough cash for 20% down and an income stream that allows for both mortgages until you get the old house sold. It sounds like you have the latter so all you need is the former. If it were me and I were trul...
by lthenderson
Tue Apr 24, 2018 9:19 am
Forum: Personal Consumer Issues
Topic: Used car dealer-Freight charge
Replies: 21
Views: 1423

Re: Used car dealer-Freight charge

Even if this dealer is the only one on planet earth who charges this fee, who cares? Focus on the price you write the check for and let the dealer break down their costs and fees however they desire to make things look the way they want them.
by lthenderson
Mon Apr 23, 2018 4:55 pm
Forum: Personal Consumer Issues
Topic: Nomadic lifestyle in their 50s
Replies: 101
Views: 10874

Re: Nomadic lifestyle in their 50s

barry2ipa wrote:
Mon Apr 23, 2018 4:51 pm
1. get a small apartment - in either of the cities where our families are primarily based
This would be my first option if I could afford it. Living with my parents when I'm in my 50's even temporarily is not something I would want to do and I love them both.
by lthenderson
Mon Apr 23, 2018 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Salary Negotiation gone sour
Replies: 98
Views: 10314

Re: Salary Negotiation gone sour

If they come back and offer me 88/15 in a few months should I consider it? Or should I accept that this was rather unprofessional on their part and move on? Yes I would move on and forget about it. This happens when you negotiate. You don't win them all. If they ever call you back, then you can con...
by lthenderson
Mon Apr 23, 2018 4:46 pm
Forum: Personal Consumer Issues
Topic: IPhone Faulty Battery Diagnosis
Replies: 32
Views: 1658

Re: IPhone Faulty Battery Diagnosis

Owner of two Apple 6s phones with significantly degraded battery life. When new I used to go several days between charging. Now I have to top it off once during the day just to get through until evening. According to the Battery Health diagnosis, I have a maximum capacity of 79%. What gets me is be...
by lthenderson
Mon Apr 23, 2018 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a home with water damage
Replies: 21
Views: 1838

Re: Buying a home with water damage

Sounds to me that they want to get the insurance money and then do the work themselves to turn a little profit. Otherwise they should just let the buyer do the work. +1 I would have no problems buying a water damaged house (appropriately priced) and doing the work myself or ensuring that experts wo...