Search found 3480 matches

by lthenderson
Mon Oct 05, 2015 3:49 pm
Forum: Personal Consumer Issues
Topic: Verizon iPhone 6
Replies: 7
Views: 1376

Re: Verizon iPhone 6

Well, it's a bit more detailed than that, but the take-away is yes, it needs to be a Verizon phone to work on the Verizon network. And, it's not 100% accurate to say the Verizon iPhone 5 or higher will work "everywhere on any network." So please don't think I meant to imply that. For the 5, even th...
by lthenderson
Mon Oct 05, 2015 3:20 pm
Forum: Personal Consumer Issues
Topic: Verizon iPhone 6
Replies: 7
Views: 1376

Re: Verizon iPhone 6

But if you just buy an "unlocked" iPhone, even if you buy it from an Apple store, it will *not* necessarily be compatible with Verizon. Everything you said makes since and it seems to me that I should buy a Verizon compatible phone if I want it to work everywhere on any network. However, the commen...
by lthenderson
Mon Oct 05, 2015 3:07 pm
Forum: Personal Consumer Issues
Topic: Any one here live with parents or in laws for a long time?
Replies: 26
Views: 3518

Re: Any one here live with parents or in laws for a long time?

I'm in this situation although we own the house (1650 sqft) and my mother-in-law moved in with us. My wife is a native of another country and petitioned her mom to come to the United States. As part of her requirement for citizenship, my mother-in-law must live with us for more than six months a yea...
by lthenderson
Mon Oct 05, 2015 2:55 pm
Forum: Personal Consumer Issues
Topic: Buy a color printer [inkjet] or black and white [laser] for light home use?
Replies: 106
Views: 8806

Re: Should I buy a color printer or black and white for home use?

Buy color. If you don't want to use color, go into the setup and set the color to black or grayscale. You will eventually run out of ink in the color cartridge, even though you don't think you are using it, and then the printer will refuse to print even in black until you buy another expensive colo...
by lthenderson
Mon Oct 05, 2015 2:48 pm
Forum: Personal Consumer Issues
Topic: Verizon iPhone 6
Replies: 7
Views: 1376

Re: Verizon iPhone 6

Buy the SIM card from Verizon and buy an iphone 6 for the Verizon network. When the iphone arrives, open the SIM card tray and insert the SIM card. Instructions for activation come with the SIM card. I did this last week. *Slapping my forehead* I just noticed that my current phone has a SIM card sl...
by lthenderson
Mon Oct 05, 2015 2:31 pm
Forum: Personal Consumer Issues
Topic: Verizon iPhone 6
Replies: 7
Views: 1376

Verizon iPhone 6

I have been looking to upgrade my old Verizon iPhone to an iPhone 6 and talked to the local Verizon store last week about it. The gentleman told me that I had to buy a Verizon specific iPhone 6. I have been looking online and find lots of Verizon network iPhone 6 phones for sale. However, another th...
by lthenderson
Mon Oct 05, 2015 1:41 pm
Forum: Personal Consumer Issues
Topic: Buy a color printer [inkjet] or black and white [laser] for light home use?
Replies: 106
Views: 8806

Re: Should I buy a color printer or black and white for home use?

Do you mind sharing the Canon model and if you compared it to a Brother model or other? Thank you. _FTC I have a Canon Imageclass MF4890dw which Amazon has listed for $450 right now. I didn't compare it with a Brother since I have always had Canon products and have had good luck with them. This one...
by lthenderson
Mon Oct 05, 2015 1:36 pm
Forum: Personal Consumer Issues
Topic: iPhone6 or Samsumg Galaxy S5?
Replies: 16
Views: 1904

Re: iPhone6 or Samsumg Galaxy S5?

Since you're on Verizon, neither will work overseas without a modification At one time this was true, but recent iPhone models are the same between Verizon and ATT. I suspect this is true for Samsung as well. I was just in my local Verizon store last week looking to upgrade and they said this was n...
by lthenderson
Mon Oct 05, 2015 1:28 pm
Forum: Personal Consumer Issues
Topic: Inherited hoarder's house. Now what?
Replies: 36
Views: 7324

Re: Inherited hoarder's house. Now what?

My great uncle was a hoarder that could have been on the television show. We realized quickly that sorting through everything just wasn't worth the time and money we could get by trying to sell it. In the end, we did cherry pick a few items which we gave to an auction company that does consignment a...
by lthenderson
Mon Oct 05, 2015 1:23 pm
Forum: Personal Consumer Issues
Topic: Buy a color printer [inkjet] or black and white [laser] for light home use?
Replies: 106
Views: 8806

Re: Should I buy a color printer or black and white for home use?

We ditched our color inkjet printer and went with a canon laser black and white printer and haven't regretted it. With the color inkjet printer, I was forever having to replace colored cartridges even when we weren't using them. I think they dried out in between times. Also the quality (at that time...
by lthenderson
Fri Oct 02, 2015 4:47 pm
Forum: Personal Consumer Issues
Topic: Formal Dinnerware
Replies: 82
Views: 7421

Re: Formal Dinnerware

My initial instinct was to roll my eyes at your fine-dining club, but the more I think about the more admirable I think it is. Bon appetit. I hope everyone dresses formally, or maybe in a style related to the cuisine being served - i.e. berets for French. Had I read this several years ago, I would ...
by lthenderson
Fri Oct 02, 2015 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Should my husband become a US citizen?
Replies: 102
Views: 9992

Re: Should my husband become a US citizen?

However, voting in national elections only really matters if you are a resident of a swing state. I live in one of those swing states but I always tell those considering citizenship that while national elections are important, you have way more influence with your vote in local elections. Nearly a ...
by lthenderson
Fri Oct 02, 2015 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: How to Use Signing Bonus
Replies: 13
Views: 1931

Re: How to Use Signing Bonus

I'm a pretty conservative guy so with a SAHW and two kids and with that much debt payments going out the door, I would pad my emergency fund so if the tap were to run dry, you have some wiggle room. Having been unemployed a week before 9/11 happened and then wondering if I would ever find a job agai...
by lthenderson
Fri Oct 02, 2015 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Sale or purchase of home from a friend
Replies: 8
Views: 815

Re: Sale or purchase of home from a friend

I sold my last house to the son of a friend and have no regrets. There are advantages to this route besides saving the 6% commissions. I didn't have to hurriedly clean the house and spend countless hours trying to find things to do around town while my house was being shown to potential clients. I n...
by lthenderson
Fri Oct 02, 2015 3:49 pm
Forum: Personal Consumer Issues
Topic: Pseudo Finished Basement Heating
Replies: 23
Views: 2037

Re: Pseudo Finished Basement Heating

You could consider in-floor heating, the type that consists of wires in a mat, laid under tile. It's easy to do, and retains heat for a while even after it's off. You can set it to 65 and still be pretty comfortable. I've used it in bathrooms, and it's well worth the trouble, IMO. This would be my ...
by lthenderson
Fri Oct 02, 2015 8:05 am
Forum: Personal Consumer Issues
Topic: Remote Starter for Camry 2015
Replies: 15
Views: 7315

Re: Remote Starter for Camry 2015

The issue isn't so much the viscosity of the oil but that on the cold start cycle, more fuel is being added ("choke" in the old days) and therefore diluting the oil with gas, reducing the lubricating properties Yes and this happens whether or not you start the engine with a remote start. My point i...
by lthenderson
Thu Oct 01, 2015 2:43 pm
Forum: Personal Consumer Issues
Topic: NJ Honda Dealers
Replies: 38
Views: 3798

Re: NJ Honda Dealers

Do your research first. 2015 Honda CR-V's have a huge vibration issue that there is no known fix for. Lots and lots of information out on the web of irate owners who feel they got swindled by Honda. We didn't chance it and bought a RAV 4 instead though my first choice would have been the CR-V. http:...
by lthenderson
Thu Oct 01, 2015 2:35 pm
Forum: Personal Consumer Issues
Topic: How to sell an old car?
Replies: 55
Views: 4291

Re: How to sell an old car?

Another Question: When I sell it to the local used car dealer or to a private party, do I hand over the title to them and take the money? And then is it their responsibility to have it registered with the DMV and get insurance? What if they don't? Thanks I always just handed them the title to fill ...
by lthenderson
Thu Oct 01, 2015 2:25 pm
Forum: Personal Consumer Issues
Topic: Suggestions from Netlfix (or possibly Amazon) fans?
Replies: 62
Views: 7268

Re: Suggestions from Netlfix (or possibly Amazon) fans?

I got hooked on binge watching when I discovered Breaking Bad. The next one I binged on was Hell On Wheels and I just started Sons of Anarchy and it is pretty good so far too. It will be interesting to know what others binge watch via Netflix or Prime. House of Cards is on my list.
by lthenderson
Thu Oct 01, 2015 2:07 pm
Forum: Personal Consumer Issues
Topic: Formal Dinnerware
Replies: 82
Views: 7421

Re: How to set a table

Based on your photo, you may find this helpful http://3.bp.blogspot.com/-NsLyt4WwH1o/UMT8R2SX2pI/AAAAAAAAFO0/Spu-nfOoTx8/s1600/formal-place-setting.png I hadn't gotten that far yet but thanks for the diagram. I will definitely print it off and stick it in hutch with the china for future reference. ...
by lthenderson
Thu Oct 01, 2015 12:13 pm
Forum: Personal Consumer Issues
Topic: How to sell an old car?
Replies: 55
Views: 4291

Re: How to sell an old car?

I've sold them via ebay and craigslist before but I think both venues are royal pains and I find myself having to spend lots of time weeding out the riff raff. (Ebay is slightly better in this aspect than craigslist) I eventually switched to just paying for an advertisement in the local used car mag...
by lthenderson
Thu Oct 01, 2015 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: bought a repossessed car
Replies: 8
Views: 1252

Re: bought a repossessed car

Just curious, where to look for repo cars? In my area, they hold a large police seizure/bank repossession auction once a year and there is always a couple dozen vehicles which for a small rural area such that I live in surprises me. Last year I went to it and ended up walking away with 50 Wii/Wiiu ...
by lthenderson
Thu Oct 01, 2015 11:53 am
Forum: Personal Consumer Issues
Topic: Formal Dinnerware
Replies: 82
Views: 7421

Re: Formal Dinnerware

http://i58.tinypic.com/15u2w1.jpg As requested after much reviewing, we, and when I say we I mean mostly my wife, decided on getting Noritake Austin Platinum dinnerware. We ordered it through Amazon for $254.99 for a set of 8 along with various serving bowls, platters, cream and sugar pitchers, etc...
by lthenderson
Thu Oct 01, 2015 9:25 am
Forum: Personal Finance (Not Investing)
Topic: bought a repossessed car
Replies: 8
Views: 1252

Re: bought a repossessed car

I've never bought a repossessed car but would consider it with a nice small price tag attached, especially a clean Honda Accord. I like the older Accords. However, I'm not much into what other people think of my vehicles so I would probably skip the repainting. That just eats away at my profits of s...
by lthenderson
Thu Oct 01, 2015 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Another new two comma club member
Replies: 60
Views: 10253

Re: Another new two comma club member

Congratulations! The next goal is multi-millionaire followed closely by the 8-digit club. Make sure to celebrate a little, in a Boglehead kind of way!
by lthenderson
Thu Oct 01, 2015 9:18 am
Forum: Personal Consumer Issues
Topic: Career and Resume Advice
Replies: 9
Views: 1004

Re: Career and Resume Advice

I think I would keep those jobs in my resume but in my cover letter, state something along the lines that the previous two jobs were chosen to allow you to raise your family and that now that they are older, you are ready to dedicate yourself fully towards being a manager again. I think leaving them...
by lthenderson
Wed Sep 30, 2015 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: prenup in case of divorce
Replies: 75
Views: 7165

Re: prenup in case of divorce

We both talked about a prenup but ultimately decided against it. At the time, we both had about the same amount of savings, which was not very much and we both felt that it was admitting that we didn't have full faith in the other. We had lots of financial discussions before marriage and knew we wer...
by lthenderson
Wed Sep 30, 2015 1:04 pm
Forum: Personal Consumer Issues
Topic: Need for a new Furnace
Replies: 10
Views: 1058

Re: Need for a new Furnace

I put in a Trane a few years ago and have been happy with it. Personally I think heating systems are like all appliances these days, sometimes you get lucky and they last and other times you get a lemon.
by lthenderson
Wed Sep 30, 2015 12:59 pm
Forum: Personal Consumer Issues
Topic: Remote Starter for Camry 2015
Replies: 15
Views: 7315

Re: Remote Starter for Camry 2015

That app one sounds very interesting. Instead of carrying another fob. Does, that model (which has the app) allow the car door to be opened when she gets to the car? Or, does she have to stop the engine, open the door and then start it again? I should mention that the third option Toyota gave us fo...
by lthenderson
Wed Sep 30, 2015 8:47 am
Forum: Personal Consumer Issues
Topic: Remote Starter for Camry 2015
Replies: 15
Views: 7315

Re: Remote Starter for Camry 2015

We had an aftermarket remote starter w/ security that was installed on a vehicle before we bought it. Whomever installed it did a terrible job and it was always getting us into embarrassing situations. My wife once had to drive it home 150 miles with it going off the entire way and it only quit when...
by lthenderson
Wed Sep 30, 2015 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Should my husband become a US citizen?
Replies: 102
Views: 9992

Re: Should my husband become a US citizen?

:) I read somewhere that most lifelong citizens wouldn't be able to pass the citizenship test. When my wife took the test, I would completely agree with this statement. I would have passed it but then I am an avid reader of history and read lots of books on the history of our country. But if your o...
by lthenderson
Wed Sep 30, 2015 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Should my husband become a US citizen?
Replies: 102
Views: 9992

Re: Should my husband become a US citizen?

My wife obtained her U.S. Citizenship but has kept her native citizenship for one reason. As a U.S. Citizen, she is unable to buy property in her native country but can as a native citizen. My vote would be for him to get his U.S. Citizenship and retain his native citizenship. Naturalization Oath o...
by lthenderson
Tue Sep 29, 2015 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Should my husband become a US citizen?
Replies: 102
Views: 9992

Re: Should my husband become a US citizen?

Another thing to consider is that the current fee structure means you have to pay $450 every ten years to renew your husband's greencard. To get his citizenship is a one time fee of $650.
by lthenderson
Tue Sep 29, 2015 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Should my husband become a US citizen?
Replies: 102
Views: 9992

Re: Should my husband become a US citizen?

U.S. Citizens can petition for a much larger list of people (brothers and sisters, etc.) to become permanent residents than greencard holders and have shorter wait times. This might be an issue if your husband's entire family is overseas and some of them might light to live here in America. As other...
by lthenderson
Tue Sep 29, 2015 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: how to sell half value of my house to fiance or spouse
Replies: 31
Views: 3585

Re: how to sell half value of my house to fiance or spouse

Why not just get a prenup saying he owes you X amount of dollars for his half of the house should a divorce occurs? No money changes hands so there is no tax implications. What if there is no divorce, but the bride dies in an unfortunate accident a month after the wedding? Bereaved bridegroom (now ...
by lthenderson
Tue Sep 29, 2015 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: how to sell half value of my house to fiance or spouse
Replies: 31
Views: 3585

Re: how to sell half value of my house to fiance or spouse

Why not just get a prenup saying he owes you X amount of dollars for his half of the house should a divorce occurs? No money changes hands so there is no tax implications.
by lthenderson
Tue Sep 29, 2015 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Should I put my stuff in storage and save on rent if I'm going to be away for 3 months? (I own very little)
Replies: 22
Views: 2043

Re: Should I put my stuff in storage and save on rent if I'm going to be away for 3 months? (I own very little)

If I was in your situation and the apartment was one that I really liked due to location, amenities, or whatever, I would pay the rent for three months so that it is there when I come back. I did that all through college. I've always had to jump through hoops to rent an apartment, filling out forms ...
by lthenderson
Tue Sep 29, 2015 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: how to sell half value of my house to fiance or spouse
Replies: 31
Views: 3585

Re: how to sell half value of my house to fiance or spouse

You need to file what is called a Quit Claim deed which over rides your current deed and will list both of you as owners of the house. They do it all the time in real estate especially where people inherit properties. There is normally a small fee associated with filing the paperwork.
by lthenderson
Tue Sep 29, 2015 4:43 pm
Forum: Personal Consumer Issues
Topic: Garage Floor Containment Mat?
Replies: 13
Views: 1670

Re: Garage Floor Containment Mat?

The appeal to me for a containment mat is to try to keep part of my floor dry, in the winter months the shoes and boots never make it into the house. I do have big mats on the house side of the garage, that helps keep us above the water line :wink: Just no way to keep anything dry as the cars drip ...
by lthenderson
Tue Sep 29, 2015 4:32 pm
Forum: Personal Consumer Issues
Topic: Washer died. Seeking recommendations for a top loader.
Replies: 65
Views: 7043

Re: Washer died. Seeking recommendations for a top loader.

Find a used Dexter T-300 20lb washer. It is commercial grade and I've seen lots of them 30 years old that are still washing laundry all day every day. It meets your space requirements (though not your top loading requirement) and parts are readily available all over the internet.
by lthenderson
Tue Sep 29, 2015 8:41 am
Forum: Personal Finance (Not Investing)
Topic: How Do You Track Capital Improvements on Your House?
Replies: 25
Views: 3070

Re: How Do You Track Capital Improvements on Your House?

$500k would buy any house in my town with a $200k left over for pocket money. If I sold my house for more than $500k, I would happily pay the taxes and skip away.
by lthenderson
Tue Sep 29, 2015 8:28 am
Forum: Personal Consumer Issues
Topic: Out-of-state car registration complications for college student?
Replies: 14
Views: 6462

Re: Out-of-state car registration complications for college student?

If you subsidize her insurance, your best bet is to register it in your new home state of Washington. In my home state of Iowa, it requires a form to fill out and a fee to pay but you don't have to have the car. They will send the plates to your new address and you will have to forward them on to yo...
by lthenderson
Mon Sep 28, 2015 4:23 pm
Forum: Personal Consumer Issues
Topic: Minivan or not?
Replies: 50
Views: 6476

Re: Minivan or not?

I have two kids, wife and a mother-in-law and we get around in a 2007 Honda Odyssey and 2015 Toyota Rav 4. For trips, we like the Odyssey because it has a lot more leg room. I also like it because I'm remodeling our house and I can fit full size sheets of drywall or plywood in it if I take out the t...
by lthenderson
Mon Sep 28, 2015 12:56 pm
Forum: Personal Consumer Issues
Topic: Garage Floor Containment Mat?
Replies: 13
Views: 1670

Re: Garage Floor Containment Mat?

I live in the rust belt and have never used mats or even epoxied floors. I just shovel out any snow that accumulates on the garage floor about once a month. The floors still are smooth and in great shape. I doubt significant amounts of salt ever make it onto my garage floor from driving around town....
by lthenderson
Mon Sep 28, 2015 8:43 am
Forum: Personal Consumer Issues
Topic: Fixing kitchen lighting with "smart" switches
Replies: 12
Views: 1205

Re: Fixing kitchen lighting with "smart" switches

They make a wide selection of wi-fi switches now that you can program to come on at certain times or by using your smartphone. Some of the fancier system apps allow you to control multiple things at once to create "mood" settings.
by lthenderson
Mon Sep 28, 2015 8:39 am
Forum: Personal Consumer Issues
Topic: New Heat Pump or which maintenance, if any?
Replies: 20
Views: 1600

Re: New Heat Pump or which maintenance, if any?

4. Get a second opinion. I'm just having a hard time accepting that a system that is ten years old needs that much money especially when it is working already. Maybe I'll email or call a couple companies to see what they would recommend. I don't think they'd be willing to do a complete inspection f...
by lthenderson
Fri Sep 25, 2015 4:37 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime is $67 for New Members Friday
Replies: 51
Views: 6162

Re: Amazon Prime is $67 for New Members Friday

Due to another thread I was reading on downloading Amazon Prime video content for later viewing, I was looking at my Prime account and realized that another benefit of Prime is unlimited cloud storage. After reading through various reviews, I gather it is essentially a giant hard drive in the cloud ...
by lthenderson
Fri Sep 25, 2015 3:48 pm
Forum: Personal Consumer Issues
Topic: New Heat Pump or which maintenance, if any?
Replies: 20
Views: 1600

Re: New Heat Pump or which maintenance, if any?

4. Get a second opinion. I'm just having a hard time accepting that a system that is ten years old needs that much money especially when it is working already.
by lthenderson
Fri Sep 25, 2015 11:40 am
Forum: Personal Finance (Not Investing)
Topic: New job vs old job?
Replies: 1
Views: 404

Re: New job vs old job?

My last job sounds a lot like your current job and I quit it as soon as I had my retirement secured. Life is too short to work in a toxic environment where everyone is fighting to keep their fiefdom... in my opinion. But there is something to be said for the wife's happiness too so really, I think t...
by lthenderson
Fri Sep 25, 2015 11:16 am
Forum: Personal Consumer Issues
Topic: Live close to work AND in a good school district?
Replies: 57
Views: 4553

Re: Live close to work AND in a good school district?

I was browsing the "time savers" thread and saw numerous posts about the benefits of living close to work and amenities. I also know many bogleheads reccomend living in a good public school district. I work downtown in a fairly large city where the school districts near the urban core are ranked po...