Search found 3593 matches

by lthenderson
Fri Nov 13, 2015 11:19 am
Forum: Personal Consumer Issues
Topic: Concrete Driveway Sealers
Replies: 14
Views: 2282

Re: Concrete Driveway Sealers

Used Kure-n-Seal 25 LV on my concrete apron the day it was poured (once it was solid enough to walk on and the concrete guys had "buffed" it one last time). Winter came and went. Spring came and went. Summer came and went. Over a year later it's sweet. Did it myself with a paint roller and tray. Pi...
by lthenderson
Thu Nov 12, 2015 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Simplifying Finances
Replies: 17
Views: 2989

Re: Simplifying Finances

I use Wells Fargo Online Banking which allows me to automate just about any payment I want, even to private individuals. However, based off past experiences of moving and having a hard time getting companies to stop billing me after I already put the stop order in, I have cut the link to automation ...
by lthenderson
Thu Nov 12, 2015 9:47 am
Forum: Personal Consumer Issues
Topic: Concrete Driveway Sealers
Replies: 14
Views: 2282

Re: Concrete Driveway Sealers

Used Kure-n-Seal 25 LV on my concrete apron the day it was poured (once it was solid enough to walk on and the concrete guys had "buffed" it one last time). Winter came and went. Spring came and went. Summer came and went. Over a year later it's sweet. Did it myself with a paint roller and tray. Pi...
by lthenderson
Thu Nov 12, 2015 9:38 am
Forum: Personal Consumer Issues
Topic: Ideas to close open shelves in kitchen?
Replies: 16
Views: 2771

Re: Ideas to close open shelves in kitchen?

Based on the picture I'd say put in upper cabinets with solid or glass doors. I'm pretty sure that's going to be lower cost and look better than having a carpenter try to improvise something. My only concern was the entire back wall, where the shelves are, is tiles. Inread its difficult to drill in...
by lthenderson
Thu Nov 12, 2015 9:34 am
Forum: Personal Consumer Issues
Topic: Ideas to close open shelves in kitchen?
Replies: 16
Views: 2771

Re: Ideas to close open shelves in kitchen?

Ditto everyone else. I would think it much more practical and cheaper to just buy overhead cabinets and replaced the ones you have rather than try to box them in.
by lthenderson
Wed Nov 11, 2015 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Define Wealthy ..How to ?
Replies: 42
Views: 5259

Re: Define Wealthy ..How to ?

My take would be that you are wealthy when you have more money then you will ever need or be able to spend given your age and lifestyle etc. Some people could be wealthy with $100,000 and others may not be wealthy even if they had $5 million. If Thoreau were living today and he had $10,000 he may c...
by lthenderson
Wed Nov 11, 2015 9:25 am
Forum: Personal Consumer Issues
Topic: Warm and Quality Blanket Recommendations
Replies: 18
Views: 3404

Re: Warm and Quality Blanket Recommendations

Look for a used wool blanket on eBay. I second this. I inherited my great uncle's military wool blankets that he had during World War II and those things are about the warmest blankets I have. They don't fit our queen side bed so we mostly keep them for putting over our legs on a cold winter day wh...
by lthenderson
Wed Nov 11, 2015 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Health Coverage for Immigrant Parents
Replies: 14
Views: 1965

Re: Health Coverage for Immigrant Parents

Does anyone know if I the fact that I singed the affidavit of support when they immigrated - can make me legally responsible for a hospital bill if they get really sick and exceed the limits of travel insurance (a broken hip with a few complications will probably cost > 100 K - hospital makes self ...
by lthenderson
Tue Nov 10, 2015 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Health Coverage for Immigrant Parents
Replies: 14
Views: 1965

Re: Health Coverage for Immigrant Parents

Could they qualify for Medicaid? It ain't the best, but it is adequate. You have to be a U.S. Citizen to qualify for Medicaid. There are exceptions, apparently: <http://www.medicaid.gov/medicaid-chip-program-information/by-topics/outreach-and-enrollment/downloads/overview-of-eligibility-for-non-cit...
by lthenderson
Tue Nov 10, 2015 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Health Coverage for Immigrant Parents
Replies: 14
Views: 1965

Re: Health Coverage for Immigrant Parents

Could they qualify for Medicaid? It ain't the best, but it is adequate. You have to be a U.S. Citizen to qualify for Medicaid. Alil - My mother-in-law is in year three of proving up for her citizenship after receiving her permanent resident card. We went the Obamacare route which was surprisingly t...
by lthenderson
Mon Nov 09, 2015 6:04 pm
Forum: Personal Consumer Issues
Topic: Buying a Log Home
Replies: 25
Views: 3481

Re: Buying a Log Home

I don't live in one but have a friend who does. His one complaint is that he has to spend time adjusting most of his doors a couple times a year to compensate for expanding and shrinking of the logs. I'm not sure if that is just shoddy construction or something due to it being a log home but somethi...
by lthenderson
Mon Nov 09, 2015 5:56 pm
Forum: Personal Consumer Issues
Topic: Lower Cost Plane Tickets
Replies: 8
Views: 1943

Re: Lower Cost Plane Tickets

We just bought five round trip tickets originating from the Philippines to here in the U.S for my brother-in-law and his family to visit us next spring and paid about half the price it cost us to go visit them a year ago when we bought the reverse. If it was because of the purchase location, I'm go...
by lthenderson
Mon Nov 09, 2015 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: What would you do? (Personal/Family financial situation)
Replies: 55
Views: 6716

Re: What would you do? (Personal/Family financial situation)

Ditto what most of the others have said. I have no problem charging the escrow for the hard costs but charging for mileage and vacation time seems punitive. If my brother told me he was going to charge me to come pick me up, I would tell him I will be taking the bus instead.
by lthenderson
Mon Nov 09, 2015 9:22 am
Forum: Personal Consumer Issues
Topic: Crawlspaces - insulate or encapsulate?
Replies: 13
Views: 1666

Re: Crawlspaces - insulate or encapsulate?

My previous house had a crawlspace under half of it with a dirt floor. I insulated it and then sealed it with heavy weight plastic and it held up just find. I used screws with rubber washers to attach the plastic instead of staples and it held up fine for the ten years we lived there with no moistur...
by lthenderson
Mon Nov 09, 2015 9:17 am
Forum: Personal Consumer Issues
Topic: What is unused (cell plan) data worth to you?
Replies: 56
Views: 5939

Re: What is unused data worth to you?

Looking at it a different way, $16/month is almost $200/year. You could have 1 $200 overage/yr and still come out ahead. I have Verizon and my old plan was 4 GB and it cost $10/GB if I went over so at like this commentor said, you could go over almost 20 GB throughout the year and still pay less. H...
by lthenderson
Mon Nov 09, 2015 9:06 am
Forum: Personal Consumer Issues
Topic: Lower Cost Plane Tickets
Replies: 8
Views: 1943

Re: Lower Cost Plane Tickets

We just bought five round trip tickets originating from the Philippines to here in the U.S for my brother-in-law and his family to visit us next spring and paid about half the price it cost us to go visit them a year ago when we bought the reverse. If it was because of the purchase location, I'm goi...
by lthenderson
Mon Nov 09, 2015 9:00 am
Forum: Personal Consumer Issues
Topic: Washing and Drying Clothing ?
Replies: 24
Views: 3903

Re: Washing and Drying Clothing ?

I get longer life out of my cloths by letting my wife wash them.
by lthenderson
Mon Nov 09, 2015 8:56 am
Forum: Personal Consumer Issues
Topic: Watch under $100
Replies: 46
Views: 6159

Re: Watch under $100

Call me old school, but I like to wear an analog watch. Tried a Timex but the thing ticks too loudly. Looking at Seiko, Citizen or Pulsar. I like the so-called railroad watch. Any recommendations? I like analog watches too and the last one I bought a dozen years ago was a Seiko and I still wear it ...
by lthenderson
Sun Nov 08, 2015 8:53 am
Forum: Personal Consumer Issues
Topic: Sprucing up an old car?
Replies: 41
Views: 4266

Re: Sprucing up an old car?

Unlike what someone above said, I have found aftermarket headlights to be quite cheap compared to OEM ones. I bought a pair for my 98 Honda Civic that were about $120 for the pair after years of struggling with polish kits that did little or didn't last long. The new headlights had LED light rings ...
by lthenderson
Sat Nov 07, 2015 6:32 pm
Forum: Personal Consumer Issues
Topic: Sprucing up an old car?
Replies: 41
Views: 4266

Re: Sprucing up an old car?

Unlike what someone above said, I have found aftermarket headlights to be quite cheap compared to OEM ones. I bought a pair for my 98 Honda Civic that were about $120 for the pair after years of struggling with polish kits that did little or didn't last long. The new headlights had LED light rings i...
by lthenderson
Sat Nov 07, 2015 6:18 pm
Forum: Local Chapters and Bogleheads Community
Topic: Eastern Iowa Diehards, Sat Nov 7, Coralville
Replies: 3
Views: 1093

Re: Eastern Iowa Diehards, Sat Nov 7, Coralville

After missing the last couple, I attended for the first time but missed seeing you there! There was a great turnout and it was a good time.
by lthenderson
Sat Nov 07, 2015 10:45 am
Forum: Personal Consumer Issues
Topic: Thriller Novels
Replies: 27
Views: 3622

Re: Thriller Novels

I'm a big fan of the late Vince Flynn's Mitch Rapp series and Brad Thor's Scot Harvath series. Right now I'm working through Ben Coes's Andreas Dewey series. Does anyone have any other recommendations? Specifically, I like the counter-terrorism genre, but I'm open to trying new things. Since they w...
by lthenderson
Fri Nov 06, 2015 1:42 pm
Forum: Personal Consumer Issues
Topic: 12 foot step laddder
Replies: 13
Views: 1314

Re: 12 foot step laddder

I went a different approach with my high windows. Rather than buying an expensive ladder that takes up a lot of space and doesn't get much use, I bought a telescoping pole with thread on window cleaning attachments so I can clean windows from the safety of the floor. When not in use, it hangs in the...
by lthenderson
Fri Nov 06, 2015 9:43 am
Forum: Personal Consumer Issues
Topic: Is a $100 drip coffee machine significantly better than a <$50?
Replies: 57
Views: 7422

Re: Is a $100 drip coffee machine significantly better than a <$50?

I'm a big fan of America's Test Kitchen and after their review of coffee makers, we bought the Bonita 8 cup coffee maker which was their best buy runner up and have loved it. The technivorm mochamaster mentioned above was their top winner. You should watch the video as it is very informative about w...
by lthenderson
Fri Nov 06, 2015 9:33 am
Forum: Personal Consumer Issues
Topic: Home Winterization -- Window Insulation Film, Weatherstripping, etc.
Replies: 10
Views: 1988

Re: Home Winterization -- Window Insulation Film, Weatherstripping, etc.

While my wife was going through residency, we rented an apartment that had drafty windows like you described. We tried the plastic as well but on windy days, it came unstuck from the draft. I solved it by going to the home improvement store and buying a tube of clear silicone caulking and applying i...
by lthenderson
Fri Nov 06, 2015 9:28 am
Forum: Personal Consumer Issues
Topic: What to do with foreign currency notes and coins?
Replies: 20
Views: 2538

Re: What to do with foreign currency notes and coins?

I bank with Wells Fargo and they will buy back all paper currency from their customers in exchange for dollars. I'm not sure what their current fee is as it has been a long time since I did it. These days I have learned to not go overboard on withdrawing close to the end of the trip and just "donate...
by lthenderson
Thu Nov 05, 2015 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: In a Housing Bind...
Replies: 60
Views: 7571

Re: In a Housing Bind...

Not sure I have any advice for your situation but that is why I always tell people to go sit in a neighborhood in the evenings before buying a house there. Most people look for houses during regular business hours when most folks are at work and not home. It makes a big difference in the atmosphere....
by lthenderson
Thu Nov 05, 2015 12:47 pm
Forum: Personal Consumer Issues
Topic: Best Counter Depth Refrigerator to buy
Replies: 27
Views: 4457

Re: Best Counter Depth Refrigerator to buy

We have the Kenmore Elite model and like it. The only drawback is that it is made by LG so you have to make sure you have service people in your area. Many in our area don't work on LG because they are hard to get parts for. We found that out when our old Kenmore Elite got taken out with a lightenin...
by lthenderson
Thu Nov 05, 2015 12:42 pm
Forum: Personal Consumer Issues
Topic: single stage or dual stage furnace for a raised ranch?
Replies: 5
Views: 897

Re: single stage or dual stage furnace for a raised ranch?

I would go with two stage. We replaced ours a couple years ago and I really like the two stage because on many days, only the first stage at lower fan speed runs which is much quieter than the second higher fan speed stage. Ours is set up so it will run the first stage for 10 minutes before it kicks...
by lthenderson
Thu Nov 05, 2015 11:35 am
Forum: Personal Consumer Issues
Topic: Is DIY Car maintenance that hard these days?
Replies: 51
Views: 6095

Re: Is DIY Car maintenance that hard these days?

Armed with Youtube, Google and an OBD II code reader, you can save yourself quite a bit of money whether or not you do the repairs yourself. Just becoming familiar with your car and what is wrong will allow you to negotiate with confidence at a repair shop to prevent getting robbed. It seems so many...
by lthenderson
Wed Nov 04, 2015 8:54 am
Forum: Personal Consumer Issues
Topic: Whisky Recommendations
Replies: 109
Views: 14951

Re: Whisky Recommendations

southbay wrote:for the best "bang for your buck" single malt scotch, i like Glenlivet 12 Year. it's currently $23.99 for 750ml at my local shop.
I'm also a Glenlivet fan though I generally go for the 21 year variety.
by lthenderson
Tue Nov 03, 2015 9:09 am
Forum: Personal Consumer Issues
Topic: Is a car warranty package worth it?
Replies: 46
Views: 4282

Re: Is a car warranty package worth it?

I've never sprung for warranty packages for any new cars I've bought and I've never had a claim that would have been covered had I had the insurance. I've had a few things covered under factory recalls and once I had a seatback fall off (while I was driving so far a scary moment I was driving while ...
by lthenderson
Tue Nov 03, 2015 9:03 am
Forum: Personal Consumer Issues
Topic: Suggestions for online archival print media search services
Replies: 5
Views: 571

Re: Suggestions for online archival print media search services

I use NewspaperArchive for research quite a bit. It has a massive database that spans from the 1700's up and allows you to search by time, location and by a pretty advanced search criteria filter. It is a subscription based service. I have found it to be the best of all the various ones I have tried...
by lthenderson
Mon Nov 02, 2015 4:26 pm
Forum: Personal Consumer Issues
Topic: Amazon Pricing of Product at different prices
Replies: 28
Views: 4100

Re: Amazon Pricing of Product at different prices

So my guess is that to buy an item I should enter into Google "best price for XXX" to see the results. In the old days I used to go to Amazon directly but now the results in Google come up with 2-3 prices cheaper in or at Amazon than what my initial Amazon search would yield. Things ain't what they...
by lthenderson
Mon Nov 02, 2015 9:44 am
Forum: Personal Finance (Not Investing)
Topic: What do you consider an emergency?
Replies: 49
Views: 5198

Re: What do you consider an emergency?

My wife is in the medical profession and once a week at least sees people who are insured who can't pay their portion of a required procedure or medicine because they don't have enough cash on hand. A long time ago before I was married, I had a secure job and didn't really believe in emergency funds...
by lthenderson
Mon Nov 02, 2015 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Toyota Tacoma for a family
Replies: 20
Views: 7437

Re: Toyota Tacoma for a family

I have a hitch on my Civic and a small trailer that I can use to haul the occasional heavy objects that won't fit in my next option. Much much cheaper than buying an overpriced Tacoma and driving it around empty for 99% of its life. For those trips to the home improvement store for things like ten f...
by lthenderson
Thu Oct 29, 2015 4:20 pm
Forum: Personal Consumer Issues
Topic: Direct Vent Gas Hot Water Tank
Replies: 21
Views: 3217

Re: Direct Vent Gas Hot Water Tank

We live in an area with somewhat frequent power outages at winter and so went with the atmospheric vent option because our water heater wasn't really close enough to any outside walls for the direct vent and wasn't feasible to move it to one. We did steer clear of the power vent due to the electrica...
by lthenderson
Wed Oct 28, 2015 8:21 am
Forum: Personal Finance (Not Investing)
Topic: When do you have to unlock a locked credit file?
Replies: 5
Views: 993

Re: When do you have to unlock a locked credit file?

I had to unlock my credit freeze this week for the first time since I established it a couple years back. I was applying for a new credit card based off of comments I have read on this forum. I applied online, got denied and sent an email saying which credit bureau I needed to unfreeze. I did that o...
by lthenderson
Wed Oct 28, 2015 8:09 am
Forum: Personal Consumer Issues
Topic: Overhead steel garage door: Polyurethane? Polystyrene?
Replies: 4
Views: 1503

Re: Overhead steel garage door: Polyurethane? Polystyrene?

I have to replace my overhead garage door. I wanted wood, but cost-wise it doesn't work for me. I'm looking at Clopay, CHI and Haas doors. I'd love a bright white door - as many of the metal doors appear to have a slightly grey cast to them in comparison to a home that is painted white. I live in t...
by lthenderson
Wed Oct 28, 2015 8:00 am
Forum: Personal Consumer Issues
Topic: Buying Prescription Eyeglasses Online
Replies: 31
Views: 5062

Re: Buying Prescription Eyeglasses Online

but how on earth do you know if they are going to look good on your face?? They show you pictures of how they look on someone else wearing them and you use your imagination to insert your face into the picture. If you lack imagination, buying glasses online probably isn't for everyone. As for adjus...
by lthenderson
Tue Oct 27, 2015 3:24 pm
Forum: Personal Consumer Issues
Topic: Buying Prescription Eyeglasses Online
Replies: 31
Views: 5062

Re: Buying Prescription Eyeglasses Online

How do the online stores handle making lenses to the shape of an existing frame? If it is a model they carry, you simply give them the frame model number or provide them with information to look up your purchase order and they make it. I've done it once before when I broke a lens. I doubt they woul...
by lthenderson
Mon Oct 26, 2015 9:11 pm
Forum: Personal Consumer Issues
Topic: Car stolen and car seats set on fire
Replies: 49
Views: 10139

Re: Car stolen and car seats set on fire

Does it matter one way or another that own it outright in regards to replacement price if it goes that far? Whole things sucks because no matter what, you won't come out ahead in this deal and by no fault of your own. The answer to this question is that it doesn't matter if you are making payments ...
by lthenderson
Mon Oct 26, 2015 4:05 pm
Forum: Personal Consumer Issues
Topic: Smoke detectors and false alarms
Replies: 15
Views: 8716

Re: Smoke detectors and false alarms

Looked this one up on Amazon and it has 42% negative reviews mostly for false alarms of a malfunctioning unit like you described. Perhaps you should look for a different model. I use First Alert models because they get mostly good reviews.
by lthenderson
Mon Oct 26, 2015 9:18 am
Forum: Personal Consumer Issues
Topic: Refrigerator temperature fluctuations
Replies: 9
Views: 10008

Re: Refrigerator temperature fluctuations

I have a 4 year old fridge that the temperature fluctuates up about 9 degrees higher than the set temperature and freezer goes about 5 degrees colder than its set at. This happens at all different times of day not only when we are in and out of fridge. Even 1st thing this morning it's 9 degrees off...
by lthenderson
Mon Oct 26, 2015 9:08 am
Forum: Personal Consumer Issues
Topic: Best Online Genealogical Chart?
Replies: 26
Views: 3613

Re: Best Online Genealogical Chart?

I have done genealogy for thirty years. I would recommend you do not put your information online. By all means, use online sources to do your research. Although I haven't been doing genealogy for that long, I have been doing it for over a decade and I would definitely recommend you put your informa...
by lthenderson
Mon Oct 26, 2015 8:58 am
Forum: Personal Consumer Issues
Topic: Circumstances for replacing a toilet
Replies: 27
Views: 2620

Re: Circumstances for replacing a toilet

It sounds like you have a plumber and not a do-it-yourself person. For those who are tempted, replacing the toilet is a bit harder than just replacing the working parts inside and can open up a host of other problems. If you are handy, those problems aren't too hard to fix but if you are a bit leery...
by lthenderson
Mon Oct 26, 2015 8:22 am
Forum: Personal Consumer Issues
Topic: Car Dilemma: Replace Transmission or Buy Used Beater
Replies: 56
Views: 7709

Re: Car Dilemma: Replace Transmission or Buy Used Beater

I have a 98 Honda Civic and I had the manual transmission rebuilt about five or six years ago for the tune of $750. You didn't say but I'm guessing you have an automatic transmission from the price quotes. If you have a manual one, you are being taken for a ride. Transmission repair is routine surge...
by lthenderson
Sat Oct 24, 2015 4:35 pm
Forum: Personal Consumer Issues
Topic: Steel vs Fiberglass [entry door] - which is stronger?
Replies: 35
Views: 6251

Re: Steel vs Fiberglass - which is stronger?

So, just to clarify, you are not arguing that fiberglass, newspaper, canvas, plastic, skin, pumpkins would be useful materials for a ship? They work with Archimedes law, but lack the tensile strength? Would you agree that the examples you cited are more likely to be called "boats" than "ships"? (I ...
by lthenderson
Sat Oct 24, 2015 8:50 am
Forum: Personal Consumer Issues
Topic: Steel vs Fiberglass [entry door] - which is stronger?
Replies: 35
Views: 6251

Re: Steel vs Fiberglass - which is stronger?

Out of curiousity, what other materials could one make an ocean ship out of? Wood I suppose-- some of these glue laminated woods have amazing tensile strength? Aluminum? I don't know the right term, but it doesn't have the "girder" strength of steel over long spans? Works fine as a hull material, b...
by lthenderson
Fri Oct 23, 2015 9:43 am
Forum: Personal Consumer Issues
Topic: Steel vs Fiberglass [entry door] - which is stronger?
Replies: 35
Views: 6251

Re: Steel vs Fiberglass - which is stronger?

Out of curiousity, what other materials could one make an ocean ship out of? Wood I suppose-- some of these glue laminated woods have amazing tensile strength? Aluminum? I don't know the right term, but it doesn't have the "girder" strength of steel over long spans? Works fine as a hull material, b...