Search found 3541 matches

by lthenderson
Tue Sep 11, 2018 8:37 am
Forum: Personal Finance (Not Investing)
Topic: First time Salary Negotiations
Replies: 25
Views: 2750

Re: First time Salary Negotiations

Whenever I negotiated for salary, I always told them exactly what I wanted. If they said they couldn't match it, I would ask them for more vacation time, more flexible hours, etc to make up for the loss in wages. I have found that companies are much more flexible in the benefits than they are the sa...
by lthenderson
Tue Sep 11, 2018 8:31 am
Forum: Personal Consumer Issues
Topic: Good photo book printer for image quality
Replies: 24
Views: 1617

Re: Good photo book printer for image quality

I use Lightroom and Shutterfly to create our books. I've never had any problems with the photo quality. If you like one of their dozens of premade templates, creating a book is extremely quick and easy. If you customize everything, it takes quite a bit longer but it pretty intuitive. Really the only...
by lthenderson
Tue Sep 11, 2018 8:24 am
Forum: Personal Consumer Issues
Topic: Remodel for aging in place
Replies: 44
Views: 3210

Re: Remodel for aging in place

They make really nice and reasonably cost elevator kits these days. They attach to the outside of your existing house so there is no need to change the footprint to accommodate them. They only need to cut an access doorway in the outside wall into each floor that you want service to. My great aunt ...
by lthenderson
Tue Sep 11, 2018 8:21 am
Forum: Personal Consumer Issues
Topic: Botched countertop installation - leave it as-is or risk the repair?
Replies: 78
Views: 8510

Re: Botched countertop installation - leave it as-is or risk the repair?

We tallied it up and the majority is in favor of a Lift & Redo. I'm struggling to understand how so many people could possibly recommend the 'Lift & Redo" option. How can you possibly justify all of the work/mess/problems just to fix one missing inner bead of caulk, when there will already be a pro...
by lthenderson
Tue Sep 11, 2018 8:07 am
Forum: Personal Consumer Issues
Topic: Remodel for aging in place
Replies: 44
Views: 3210

Re: Remodel for aging in place

They make really nice and reasonably cost elevator kits these days. They attach to the outside of your existing house so there is no need to change the footprint to accommodate them. They only need to cut an access doorway in the outside wall into each floor that you want service to. My great aunt a...
by lthenderson
Mon Sep 10, 2018 3:31 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3459
Views: 1025417

Re: What Book Are You Currently Reading? Part VI

Blood Makes the Grass Grow Green: A Year in the Desert with Team America by Johnny Rico Outrageous, hilarious, and absolutely candid, Blood Makes the Grass Grow Green is Johnny Rico’s firsthand account of fighting the Taliban in Afghanistan, a memoir that also reveals the universal truths about the...
by lthenderson
Mon Sep 10, 2018 3:26 pm
Forum: Personal Consumer Issues
Topic: Older Toyota/Honda/Similar owners: How often do you clean your car?
Replies: 36
Views: 2230

Re: Older Toyota/Honda/Similar owners: How often do you clean your car?

For my 20 year old car, I wash it twice a year, before and after winter. I usually do a good vacuum in the spring when the sand in all the parking lots has been washed away by rain. I mainly clean the exterior more for rust prevention than having a clean looking car. For my 1 year old vehicle, I was...
by lthenderson
Mon Sep 10, 2018 9:25 am
Forum: Personal Consumer Issues
Topic: Decking materials -your thoughts
Replies: 11
Views: 1075

Re: Decking materials -your thoughts

BolderBoy wrote:
Sun Sep 09, 2018 10:11 pm
My neighbor has a 30 y/o Trex deck that he is planning to replace in the next year. Looks good to me, but he says it is replacement time.
Trex has only held the patent for 20 years and has only been around for 22 years. So if it is 30 years old, it isn't a Trex deck.
by lthenderson
Mon Sep 10, 2018 9:13 am
Forum: Personal Consumer Issues
Topic: small-wheel bicycle
Replies: 19
Views: 1319

Re: small-wheel bicycle

I am a casual biker. Not for commuting. Want for riding around the neighborhood or at a park. The bicycle doesn't necessarily have to be foldable. I just like the small wheel form factor. . Why? A small wheel form factor is going to make obstacles and potholes a bigger deal. It's also harder to fin...
by lthenderson
Mon Sep 10, 2018 9:08 am
Forum: Personal Consumer Issues
Topic: Using Lastpass as your password manager
Replies: 34
Views: 3795

Re: Using Lastpass as your password manager

Hackers tend to go for the low hanging fruit. Those who use password managers are definitely not the low hanging fruit. Those who use "password" as their password are.
by lthenderson
Mon Sep 10, 2018 9:03 am
Forum: Personal Consumer Issues
Topic: Botched countertop installation - leave it as-is or risk the repair?
Replies: 78
Views: 8510

Re: Botched countertop installation - leave it as-is or risk the repair?

After googling a picture of your sink, my advice depends. If the countertop completely covers the flange on all three sides, I would just buy a small tube of silicone caulking with a fine tip and caulk the seam myself with clear silicone. I think you would be able to get a good enough seal that you ...
by lthenderson
Mon Sep 10, 2018 8:49 am
Forum: Personal Consumer Issues
Topic: Amazon Prime - Value?
Replies: 89
Views: 7645

Re: Amazon Prime - Value?

Before clicking on it, make sure it says Prime on it. Amazon sells more and more stuff from 3rd party dealers and those aren't covered under prime shipping rules. If it says prime on it when I click to add it to my shopping basket, it almost always gets to me in two days and if it doesn't, you can g...
by lthenderson
Mon Sep 10, 2018 8:46 am
Forum: Personal Consumer Issues
Topic: Advice on how to deal with barking dogs
Replies: 59
Views: 5301

Re: Advice on how to deal with barking dogs

I am of no real help to you but after living in two houses next door to owners who ignored their barking dogs 24/7, I moved into a house on a three acre lot with lots of space between me and neighbors. Worth every extra penny. If I ever need to move again, it will be a mandatory requirement that the...
by lthenderson
Fri Sep 07, 2018 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance Recommendations
Replies: 7
Views: 918

Re: Insurance Recommendations

Anything particular I should take into account or just simply price shop the big companies out there (State Farm, Allstate, etc.)? You are leaving out the option of getting insurance through small regional or local companies. I have found them to be cheaper than the big national companies. Service ...
by lthenderson
Fri Sep 07, 2018 1:31 pm
Forum: Personal Consumer Issues
Topic: time for new pair of glasses
Replies: 36
Views: 2619

Re: time for new pair of glasses

I should have stated that I have no insurance that covers eye exams for glasses. I do have a HSA. Glasses are expensive because of high-index lenses. In addition, the glasses are bifocals. I don't have eye insurance or an HSA. I just pay cash to get the eye exam at the local optometrist office that...
by lthenderson
Fri Sep 07, 2018 9:11 am
Forum: Personal Consumer Issues
Topic: taking home equity for credit card debt?
Replies: 19
Views: 1256

Re: taking home equity for credit card debt?

A year ago you were making enough money to purchase multiple homes and pay them off so that you have a lot of equity in them. In the past year this stopped and you are 20k in the hole. I would solve whatever problem caused this change and then the 20k debt will take care of itself most likely. Like ...
by lthenderson
Fri Sep 07, 2018 9:02 am
Forum: Personal Consumer Issues
Topic: Car Shopping, Seem to lose my Boglehead way each time help!!
Replies: 37
Views: 3044

Re: Car Shopping, Seem to lose my Boglehead way each time help!!

Things I do Right: -Keep Cars 9-10 years so the brutal depreciation isn't so jarring Things I do Wrong: -Always buy new As I only drive 6k Miles/yr and my wife only 9k, If you are selling cars you purchased new with only 60k to 90k miles on the odometer, you definitely are giving away a lot of mone...
by lthenderson
Fri Sep 07, 2018 8:49 am
Forum: Personal Consumer Issues
Topic: How to "waste" money on groceries?
Replies: 109
Views: 9906

Re: How to "waste" money on groceries?

I've started leaning toward buying as much grass fed beef and dairy products as possible. I do this becuase I think cows evolved to eat grass. We evolved to eat animals that could choose what they ate. I wonder, if you put a cow in a field that contained both grass and corn, which would they choose...
by lthenderson
Thu Sep 06, 2018 9:17 am
Forum: Personal Consumer Issues
Topic: Removing Existing Satellite Systems
Replies: 23
Views: 3466

Re: Removing Existing Satellite Systems

pascalwager wrote:
Wed Sep 05, 2018 11:18 pm
The fasteners surprised me--nothing frozen or corroded--bright, shiny and unblemished.
Anything installed on the outside of the house should use stainless steel fasteners which would look just like what you found after many years in the elements.
by lthenderson
Thu Sep 06, 2018 9:08 am
Forum: Personal Consumer Issues
Topic: could windshield claim to insurance impact what i pay?
Replies: 14
Views: 843

Re: could windshield claim to insurance impact what i pay?

Why bother asking an insurance company if your rates will increase? Of course they will say no. One should ask an insurance agent and not the insurance company itself for the best answer. Almost all agents are independent from the company and just sell that or multiple companies insurance products....
by lthenderson
Thu Sep 06, 2018 9:04 am
Forum: Personal Consumer Issues
Topic: How to tell which vent is dryer vent?
Replies: 40
Views: 1815

Re: How to tell which vent is dryer vent?

Is there a way to figure out which is the dryer vent? (For context, I'm asking because my dryer isn't working very effectively anymore, I've thoroughly cleaned lint from the trap, the dryer, and the vent piping in the laundry room, so I think I need to check the outside end now.) A different way to...
by lthenderson
Thu Sep 06, 2018 8:52 am
Forum: Personal Consumer Issues
Topic: could windshield claim to insurance impact what i pay?
Replies: 14
Views: 843

Re: could windshield claim to insurance impact what i pay?

Depends greatly on your personal driving records and insurance claims record. The best thing to do is to talk to your insurance agent and ask that very question. I have found my insurance agent to be very forthright in telling me what to expect as far as a reaction from the insurance company and ver...
by lthenderson
Thu Sep 06, 2018 8:48 am
Forum: Personal Consumer Issues
Topic: Buying Sushi Grade Fish
Replies: 15
Views: 1771

Re: Buying Sushi Grade Fish

We buy sushi grade fish from our local grocery store here in the very rural Midwest. We place our order the week before and pick it up on Tuesday when it arrives at the store.
by lthenderson
Thu Sep 06, 2018 8:41 am
Forum: Personal Consumer Issues
Topic: How to "waste" money on groceries?
Replies: 109
Views: 9906

Re: How to "waste" money on groceries?

Edit to add: Why do you think kobe and wagyu beef is so expensive and highly sought after? It isn't because of their all grass and tofu diet that's for sure. I thought it was due to them being bread in only a certain area of Japan and the fact the herds are so isolated, at least in the case of kobe...
by lthenderson
Wed Sep 05, 2018 12:19 pm
Forum: Personal Consumer Issues
Topic: US Visitor Health Insurance
Replies: 18
Views: 1029

Re: US Visitor Health Insurance

Having shopped around for just such a thing, I think you are likely to run into two major roadblocks. If you do not mind me asking,which one did you opt for? 1. All of the travel insurance plans for inside the U.S. that I have seen do NOT cover pre-existing conditions. That is my main concern and I...
by lthenderson
Tue Sep 04, 2018 7:11 pm
Forum: Personal Consumer Issues
Topic: How to "waste" money on groceries?
Replies: 109
Views: 9906

Re: How to "waste" money on groceries?

We make sure our beef is grass-fed. I can taste the difference - even for burgers. (whenever we have a cookout everyone asks how the burgers taste so good thinking I am adding something - the secret is grass-fed). I have quite the opposite experience. Grass fed beef tends to be leaner, drier and ch...
by lthenderson
Tue Sep 04, 2018 7:00 pm
Forum: Personal Consumer Issues
Topic: US Visitor Health Insurance
Replies: 18
Views: 1029

Re: US Visitor Health Insurance

I need insurance recommendations for relatives visiting US for 75 days.What insurance should I buy that would cover pre-existing conditions like high blood pressure? If I need to take them to ER or Urgent care,what are the things that I need to be aware? Male: 71 Years with blood pressure Female: 6...
by lthenderson
Tue Sep 04, 2018 6:46 pm
Forum: Personal Consumer Issues
Topic: HVAC annual contracts vs yearly annual cleaning
Replies: 32
Views: 2357

Re: HVAC annual contracts vs yearly annual cleaning

I fall in the DIY camp. I've had a service guy to my house maybe three times in the last three decades for the HVAC system.
by lthenderson
Tue Sep 04, 2018 9:37 am
Forum: Personal Consumer Issues
Topic: The future of my journals and logs
Replies: 45
Views: 4306

Re: The future of my journals and logs

Does anyone have an estimate in time or money for how much it will cost to scan 100 pages? A cheap bed scanner and an hour's worth of time is all that it would probably take. For hundreds of pages of lots of journals, I would switch to a camera on a tripod in a well lit area to digitize everything....
by lthenderson
Tue Sep 04, 2018 9:19 am
Forum: Personal Consumer Issues
Topic: When do you drop collision insurance?
Replies: 52
Views: 3094

Re: When do you drop collision insurance?

I generally drop collision when the value of my vehicle gets below $10k. But for me, the loss of $10k if my vehicle were totaled tomorrow isn't going to be a major financial blow. If it was, I would keep collision longer.
by lthenderson
Tue Sep 04, 2018 9:12 am
Forum: Personal Consumer Issues
Topic: Neighbor Fencing question
Replies: 50
Views: 4098

Re: Neighbor Fencing question

I would have said right then and there, "Of course! I am happy to share in the cost of the shared fence that is replaced. Thanks for taking care of this!" +1 :D +2 "Good fences make good neighbors." So in the interest of neighbor harmony, I would have said of course too as long as the quote was rea...
by lthenderson
Tue Sep 04, 2018 9:04 am
Forum: Personal Consumer Issues
Topic: The future of my journals and logs
Replies: 45
Views: 4306

Re: The future of my journals and logs

What do others expect to happen to their journals? Trash? Funeral pyre? Smithsonian? ????? I have 50 years of my grandfather's journals and someday 40+ years of my father's journals along with my own 25+ years of journals. All together they can fit in a filing cabinet in the basement so I really do...
by lthenderson
Tue Sep 04, 2018 8:50 am
Forum: Personal Consumer Issues
Topic: BH Musicians, your feedback for the violin noobie?
Replies: 9
Views: 653

Re: BH Musicians, your feedback for the violin noobie?

Excellent! I don't play the violin but have been watching my daughter learn it and it has been making me itch to pick up something and learn in my older age. I'm leaning towards an acoustic guitar though.
by lthenderson
Tue Sep 04, 2018 8:45 am
Forum: Personal Consumer Issues
Topic: What will you do when you find you have more money than expected?
Replies: 91
Views: 10042

Re: What will you do when you find you have more money than expected?

I have a few good charities to bequest and then the kids get the rest so option 2.
by lthenderson
Tue Sep 04, 2018 8:44 am
Forum: Personal Consumer Issues
Topic: Types of seed for new lawn or sod?
Replies: 24
Views: 1632

Re: Types of seed for new lawn or sod?

I went down to the local nursery and they guided me to the most common seed that is needed for our area. I try to steer clear of big box stores for things like this where decisions of what grass seed to ship where are most likely made thousands of miles from where I live.
by lthenderson
Fri Aug 31, 2018 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Emergency fund size
Replies: 72
Views: 6699

Re: Emergency fund size

Yes, the rule of thumb should be based on so many months of expenses, not amount. Someone who spends $20k per month will have a different sized emergency fund than someone who spend $1k per month. When I was younger, I always kept six months worth of expenses. As we get older and life more complicat...
by lthenderson
Fri Aug 31, 2018 9:33 am
Forum: Personal Consumer Issues
Topic: Looking for a good Moving Company. All have awful reviews.
Replies: 21
Views: 1019

Re: Looking for a good Moving Company. All have awful reviews.

Having had movers several times, I would guess it is impossible for all your possessions to travel in a bouncing truck for any distance without some sort of damage happening. It is the hazard of moving. For very valuable things, definitely point them out to the movers for some extra packaging materi...
by lthenderson
Thu Aug 30, 2018 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Last Will and testament involving very young children and 7 figure estate. What have you done?
Replies: 15
Views: 2166

Re: Last Will and testament involving very young children and 7 figure estate. What have you done?

For us, dealing with the money was the easiest part. Setting up our will for dealing with our children if we should both die close together was the more complicated part. For us, we didn't trust online wills to adequately take care of this part so we found an attorney to help guide us through the pr...
by lthenderson
Thu Aug 30, 2018 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: # of accounts vs wealth perception
Replies: 14
Views: 1622

Re: # of accounts vs wealth perception

I track my accounts using an Excel spreadsheet that I update at the end of every month. I only really look at the total cell to see how many dollars my accounts have changed since the previous month and then I have a cell that shows the percentage increase of my net worth from the same point the yea...
by lthenderson
Thu Aug 30, 2018 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Zelle, online payments
Replies: 53
Views: 4598

Re: Zelle, online payments

Mostly I use Zelle to reimburse various family members for expenses they have incurred on my behalf. I never have my checkbook with me but I always have my cellphone and with that, it only takes me a minutes to issue the money transaction and then I can forget about it. I have never had any problems...
by lthenderson
Thu Aug 30, 2018 1:44 pm
Forum: Personal Consumer Issues
Topic: Bosch dishwasher odor
Replies: 56
Views: 6068

Re: Bosch dishwasher odor

El Greco wrote:
Thu Aug 30, 2018 1:38 pm
Gee. I have a Plain-Jane Whirpool dishwasher and have experienced none of the issues you folks are having with your fancy-pants Bosch dishwashers. :D

PS: Oh, and it's very quiet, too.
+1

Although ours is a KitchenAide

P.S. It too is quiet and we never rinse our dishes before loading.
by lthenderson
Thu Aug 30, 2018 8:02 am
Forum: Personal Consumer Issues
Topic: Homeowners insurance - purchase online
Replies: 17
Views: 1349

Re: Homeowners insurance - purchase online

Has anyone purchased homeowners (and umbrella) insurance online and NOT via an agent? Car insurance is easy to obtain online, but curious about other Bogleheads’ experiences with the purchase of HO and umbrella policies online. I am well versed with the coverage options of all three given my line o...
by lthenderson
Wed Aug 29, 2018 3:26 pm
Forum: Personal Consumer Issues
Topic: Chipotle question
Replies: 73
Views: 4590

Re: Chipotle question

I always ask them to hold the E. Coli whenever I order there.
by lthenderson
Wed Aug 29, 2018 10:01 am
Forum: Personal Consumer Issues
Topic: Minivan for family of 4.
Replies: 34
Views: 3005

Re: Minivan for family of 4.

Hello, I have been looking at switching out my sedan for a minivan. I have two kids aged 1 and 4. No plans for any more kids. I am considering the Pacifica Plug-In Hybrid so I can use it in the carpool lane, to reduce my commute. (from 1:30 hrs each way to hopefully 1 hr) Never had a minivan, I d'o...
by lthenderson
Tue Aug 28, 2018 1:23 pm
Forum: Personal Consumer Issues
Topic: Installing a new toilet - shut off valve and wax ring
Replies: 33
Views: 2324

Re: Installing a new toilet - shut off valve and wax ring

(1) Since we're changing everything, is it worthwhile to change the shut off valve also. They are the old rotating types. Was interested in getting the new quarter turn valves. Nothing wrong with the older ones. Plumbers advises to keep as is. Why fix it ain't broke. Any benefits to the newer ones ...
by lthenderson
Tue Aug 28, 2018 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Is a will or living trust necessary?
Replies: 11
Views: 1243

Re: Is a will or living trust necessary?

I’m 31, married, with no kids and do not have a will or living trust in place. I have all of my accounts with my wife designated as the beneficiary. Is it necessary for me to have a will or living trust in place? When I was in your exact situation, I didn't have a will in place either. As I got old...
by lthenderson
Tue Aug 28, 2018 8:30 am
Forum: Personal Consumer Issues
Topic: Help with basement issues
Replies: 16
Views: 1559

Re: Help with basement issues

I can't imagine a basement without a sump pump: are some basements made without one? I currently own a house with a walkout basement with no sump pump nor any water issues. It does however have a perimeter french drain at the footer and all the gutters empty into buried piping that empties it 50 ya...
by lthenderson
Tue Aug 28, 2018 8:26 am
Forum: Personal Consumer Issues
Topic: Paint shutters or remove
Replies: 10
Views: 1215

Re: Paint shutters or remove

A lot of how to fix the holes will depend on where the holes are located. Vinyl siding often doesn't sit tight up against what is behind it and thus if there is a gap between the vinyl siding and the backer, you will have to be careful with plugs as it might crack or destroy the vinyl when it gets s...
by lthenderson
Tue Aug 28, 2018 8:17 am
Forum: Personal Consumer Issues
Topic: Modem rental
Replies: 6
Views: 693

Re: Modem rental

Comcast tried it on me, but I nipped it in the bud. Not 4 years later. I don't suppose you still have the purchase receipt for your modem in some old records do you? No receipt. Probably bought at local best buy. I wished I had bought it at Amazon, which keeps all the previous orders. If you bought...
by lthenderson
Tue Aug 28, 2018 8:11 am
Forum: Personal Consumer Issues
Topic: How do you make use of this boglehead.org?
Replies: 20
Views: 2354

Re: How do you make use of this boglehead.org?

I mostly stay to the Consumer Issues and Financial Advice forums these days. For me, Bogleheads is all about hanging around a great group of people similar to myself... in someways anyway. :sharebeer