Search found 3310 matches

by lthenderson
Thu Jul 16, 2015 2:57 pm
Forum: Personal Consumer Issues
Topic: Getting rid of moles & voles (rodents)
Replies: 28
Views: 3743

Re: Getting rid of moles & voles (rodents)

I've tried all types of poisons and traps and the best luck I have is simply using water to flood them out and a shovel to send them into the great beyond. Once I got rid of them, I use grub control that I put on with the fertilizer in early summer and haven't had them back.
by lthenderson
Thu Jul 16, 2015 2:48 pm
Forum: Personal Consumer Issues
Topic: Needing an External Drive
Replies: 24
Views: 1964

Re: Needing an External Drive

I need to offload some data from a PC and from a Mac. I don't think I need a particular type or brand of external drive, do I? Any brand will host data from both - either PCs or Macs? Thanks Offload data for what purpose? Personally I don't get the longevity out of external drives as I do internal ...
by lthenderson
Thu Jul 16, 2015 2:43 pm
Forum: Personal Consumer Issues
Topic: Getting a new roof on home before home sale. Looking for advice.
Replies: 13
Views: 1268

Re: Getting a new roof on home before home sale. Looking for advice.

I would definitely replace the shingles before selling the house, especially if they are noticeably old and in rough shape. I would also replace or fix all signs of water damage inside the house before selling it. Both those scream MONEY PIT to perspective buyers. As for paying a premium for lifetim...
by lthenderson
Wed Jul 15, 2015 12:45 pm
Forum: Personal Consumer Issues
Topic: At some point in time, is your beater worth it? [car]
Replies: 30
Views: 4070

Re: At some point in time, is your beater worth it?

Love my beater and I get quite a few offers from kids wanting to get a cheap car to turn into a ricer. I turn them down because it is worth more to me just to have as a spare reliable car when needed. Of course I am a DIY person and replace most of anything that needs work. Even with cost of repairs...
by lthenderson
Tue Jul 14, 2015 9:23 am
Forum: Personal Consumer Issues
Topic: Cost of Routine Dental Cleanings
Replies: 50
Views: 5991

Re: Cost of Routine Dental Cleanings

I have insurance now for about ten years I didn't. I got my teeth cleaned annually and when they got ready to x-rays, I told them I didn't want them. I relented about once every three years or so. I never felt frequent x-rays were really necessary but then, I was young and healthy at the time and st...
by lthenderson
Tue Jul 14, 2015 9:19 am
Forum: Personal Consumer Issues
Topic: Are you going to shop on Prime Day?
Replies: 140
Views: 17624

Re: Are you going to shop on Prime Day?

What is Prime Day? I have Prime but I have not heard anything about it. It's a day Amazon.com made up. They will slash (how much? Not sure) prices on numerous products they sale as if it were a Black Friday sale They sure didn't advertise it much. First I heard of it also and I am prime member. Dit...
by lthenderson
Fri Jul 10, 2015 9:30 am
Forum: Personal Consumer Issues
Topic: Sloped backyard solutions.
Replies: 5
Views: 1709

Re: Sloped backyard solutions.

I like the tiered backyard and have done a couple and am preparing to do another one at our latest house. They are a fairly easy DIY project and not time sensitive so you can spread it out over a year or two and work on it a couple hours at a time. I also like having a fire pit downhill from one of ...
by lthenderson
Thu Jul 09, 2015 9:23 pm
Forum: Personal Consumer Issues
Topic: Shower door or curtain for bathroom remodel
Replies: 61
Views: 8780

Re: Shower door or curtain for bathroom remodel

We put in glass doors because they give the allusion of much more space in small bathrooms. It is a completely different and desired feel for us. As for cleaning, I think glass doors are MUCH easier to clean than shower curtains. We simply by a bathroom squeegee and run it over the doors post shower...
by lthenderson
Thu Jul 09, 2015 9:18 pm
Forum: Personal Consumer Issues
Topic: What about the Ford Edge? [Revised for 2015 model]
Replies: 90
Views: 14374

Re: What about the Ford Edge?

We just test drove the Ford Escape in our car search and it would have been my first choice. Ultimately we were looking for a new car for the wife and she liked the RAV4 better simply because it had better sight lines to the road being she if vertically challenged. I thought the Escape rode a lot be...
by lthenderson
Thu Jul 09, 2015 9:15 pm
Forum: Personal Consumer Issues
Topic: One car or two in semi-retirement?
Replies: 75
Views: 8063

Re: One car or two in semi-retirement?

Depends greatly on where you live. I live in rural Iowa where the nearest car rental place is 100 miles away. If my only car broke down, it would be a long bicycle ride or bumming a ride from someone else to rent a car. If I lived in a larger urban city, I would definitely consider one and just rent...
by lthenderson
Wed Jul 08, 2015 6:35 pm
Forum: Personal Consumer Issues
Topic: Vanguard phonecall asking for personal information
Replies: 47
Views: 5956

Re: Vanguard phonecall asking for personal information

When you say Vanguard should know better, what do you mean? If Vanguard needs to get a hold of one of their clients with a time sensitive issue, how would you advise them to handle it? They could send a letter by mail which wouldn't get there in time. They could send an email that could go to a jun...
by lthenderson
Wed Jul 08, 2015 11:58 am
Forum: Personal Consumer Issues
Topic: Vanguard phonecall asking for personal information
Replies: 47
Views: 5956

Vanguard phonecall asking for personal information

A few days ago I received a phone call from Vanguard and after the person identified themself, immediately asked for my city of birth. When I inquired as to what the call was about the person couldn't tell me anything until after I had verified my account. I politely declined to answer the city of b...
by lthenderson
Wed Jul 08, 2015 11:48 am
Forum: Personal Finance (Not Investing)
Topic: What age did you become debt free and what opportunities did it create?
Replies: 142
Views: 22921

Re: What age did you become debt free and what opportunities did it create?

Other than a mortgage that I could pay off at anytime, I've never had any other debts. Always paid cash for things I needed after saving up for them ahead of time and always had an emergency fund larger than my peers which allowed me to withstand any surprises thrown at me thus far in life. Saying a...
by lthenderson
Wed Jul 08, 2015 11:35 am
Forum: Personal Consumer Issues
Topic: Information re Unsafe Areas While Traveling
Replies: 11
Views: 1655

Re: Information re Unsafe Areas While Traveling

In the daytime, I don't worry so much about whether the place is safe or not. I try to blend in and not look like a tourist/easy mark which thanks to modern technology and pocket sized cameras, is fairly easy to do. If I go out in the evenings, I generally check with locals working the motel informa...
by lthenderson
Fri Jun 19, 2015 8:41 am
Forum: Personal Consumer Issues
Topic: anyone put in a prehung entry door & sidelight?
Replies: 10
Views: 1798

Re: anyone put in a prehung entry door & sidelight?

I just installed a new door in our house this spring. My list of tips are: 1. Figure out ahead of time whether or not you need the brick molding on the new door (most come with it installed) and remove it ahead of time if you don't need it. 2. Paint the door before you install it so you can lay it f...
by lthenderson
Fri May 22, 2015 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Help with car insurance coverage
Replies: 16
Views: 1836

Re: Help with car insurance coverage

I think you definitely need to shop around. I have three vehicles insured, a 97, 01 and 07, only the 07 has comp on it and I pay $800 a year for all three. Of course I live in Iowa which is a "Fault" state and makes insurance much cheaper. I never have a deductible of less than $1000 for comprehensi...
by lthenderson
Thu May 21, 2015 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Friends/Family that don't invest!
Replies: 112
Views: 17735

Re: Friends/Family that don't invest!

I respond, "Yeah there is a chance I can lose SOME of it but if I don't invest it, I am GUARANTEED to lose some of it due to inflation and time." I usually then jump right into the reason I minimize my chances of losing by investing in long term index funds and telling the person what the S&P500 has...
by lthenderson
Thu May 21, 2015 8:39 am
Forum: Personal Consumer Issues
Topic: Building a guest house
Replies: 20
Views: 2612

Re: Building a guest house

My first thought was to say no for many of the reasons mentioned above. But after re-reading it and seeing how far it actually is from your house, I might be inclined to approve it. I would want to have some sort of contract nailed down specifying what happens if he neglects to pay the rent in the f...
by lthenderson
Wed May 20, 2015 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Ways to fund an early retirement?
Replies: 40
Views: 3832

Re: Ways to fund an early retirement?

IRA withdrawals via SEPP / 72(t) rules are another way. +1 on the 72(t) I think this is one of the least known methods for withdrawing your tax deferred investments penalty free. I don't have any taxable accounts and will use this method when I am forced to start withdrawing funds to get me to age ...
by lthenderson
Wed May 20, 2015 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Ways to fund an early retirement?
Replies: 40
Views: 3832

Re: Ways to fund an early retirement?

IRA withdrawals via SEPP / 72(t) rules are another way. +1 on the 72(t) I think this is one of the least known methods for withdrawing your tax deferred investments penalty free. I don't have any taxable accounts and will use this method when I am forced to start withdrawing funds to get me to age ...
by lthenderson
Wed May 20, 2015 8:21 am
Forum: Personal Consumer Issues
Topic: Converting garage into office space
Replies: 6
Views: 1065

Re: Converting garage into office space

One thing I haven't seen anyone mention yet is that often times, garages are not insulated to the same level as the rest of your home, sometimes not at all. I remodeled the garage at my last home and ended up tearing out all the exterior drywall off to insulate it since it had none and put a more in...
by lthenderson
Tue May 19, 2015 8:30 am
Forum: Personal Consumer Issues
Topic: Home Office Flooring - Boglehead Choice?
Replies: 21
Views: 3206

Re: Home Office Flooring - Boglehead Choice?

I have office carpeting in my office now but in various houses I have used wood flooring, real and laminate kinds. Laminates are okay but they just never hold up for the long run. With solid wood floors, they suffer the same problem but in ten years, you can sand them down, revarnish and seal them a...
by lthenderson
Tue May 19, 2015 8:10 am
Forum: Personal Consumer Issues
Topic: Malwarebytes Anti-Exploit
Replies: 17
Views: 2546

Re: Malwarebytes Anti-Exploit

I use Malwarebytes Anti-Malware Home Premium and have done so for a handful of years. Although not Anti-Exploit, I would give Malwarebytes a good rating from my experiences.
by lthenderson
Fri May 15, 2015 12:07 pm
Forum: Personal Consumer Issues
Topic: Roof Replacement, upgrade or not?
Replies: 15
Views: 2802

Re: Roof Replacement, upgrade or not?

The cost difference in purchasing architectural shingles over 3 tab is significant. The cost difference on installing 3 tab versus architectural is significant due to 3 tab being much harder to install. At the end of the day, it is usually a wash on price if you hire the whole thing out. Personally ...
by lthenderson
Fri May 15, 2015 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: My Home: Renovate or get out?
Replies: 14
Views: 2602

Re: My Home: Renovate or get out?

Upgrades would increase its value but there's a point where buyers in this area would stop paying for additional cost. I would put that around 250-275k. Knowing this information, I would probably do 1 and 2 if you are continuing to rent it because it is something that could get worse and cause more...
by lthenderson
Fri May 15, 2015 9:42 am
Forum: Personal Finance (Not Investing)
Topic: My Home: Renovate or get out?
Replies: 14
Views: 2602

Re: My Home: Renovate or get out?

I assume the lived value of the house is as it sits now but what is the house worth on the market after all the upgrades have been done? Hard to say without that information.
by lthenderson
Thu May 14, 2015 9:52 pm
Forum: Personal Consumer Issues
Topic: shower glass coating that resists stains? does it work?
Replies: 10
Views: 5078

Re: shower glass coating that resists stains? does it work?

We don't have any coating on our shower and just take about 15 seconds to squeegee it after using it. We haven't done any additional cleaning and after a year and a half, it still looks like the day it was installed.
by lthenderson
Thu May 14, 2015 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 747
Views: 210148

Re: Share your networth progression

I graduated as a mechanical engineer which was what I loved to do but was at the tail end of the glory days. The job went from high paying to just stagnating and becoming a company resource that could be traded to India or China. That is what convinced me to start saving like there was no tomorrow b...
by lthenderson
Thu May 14, 2015 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Retiring in your 40's
Replies: 21
Views: 3774

Re: Retiring in your 40's

This is a great post, but aren't you really just a Stay-At-Home parent, rather than retired? I know it's just matter of semantics, but can all 24 year old stay-at-home moms and dads with a working spouse really claim "I retired early at 24!" I consider myself retired because: A. We have enough mone...
by lthenderson
Thu May 14, 2015 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Retiring in your 40's
Replies: 21
Views: 3774

Re: Retiring in your 40's

I retired a few months before I turned 40. Here are my simplified steps. 1. Saved enough in retirement accounts to fund retirement. Since most of mine is in tax advantaged accounts, I plan to use the 72(t) method to access the money when I start withdrawing to avoid paying a tax penalty. Not many pe...
by lthenderson
Thu May 14, 2015 9:14 am
Forum: Personal Consumer Issues
Topic: Looking for Cloud Storage Solution for Photo Back Ups
Replies: 26
Views: 4207

Re: Looking for Cloud Storage Solution for Photo Back Ups

I've used Carbonite for many years and have had no problems. I love setting it up and basically forgetting about it other than paying for it once a year. I pay $50 per year for unlimited storage of any file on my computer I desire. (I have 120GB backed up.) I also can recover files for free which I ...
by lthenderson
Thu May 14, 2015 9:02 am
Forum: Personal Consumer Issues
Topic: Make my iPhone switch from WiFi to mobile data when WiFi signal is low
Replies: 10
Views: 1818

Re: Make my iPhone switch from WiFi to mobile data when WiFi signal is low

I use my iphone6 constantly throughout my day and I run in the same problem. My simple fix is by swiping up on the screen to bring up your control panel and turn off my wifi. When swiping up, you should see: - Airplane mode button - wifi button - bluetooth button - do not disturb button - Screen ro...
by lthenderson
Wed May 13, 2015 8:22 am
Forum: Personal Consumer Issues
Topic: Questions on securing house during vacation
Replies: 11
Views: 1362

Re: Questions on securing house during vacation

I turn off the water where it enters the house but unlike what others have said, I turn off my water heater and not just turn it down. I've seen some bad things happen to water heaters left on with no water in them due to a slow leak or corrosion failure as they are want to do with age. It only take...
by lthenderson
Tue May 12, 2015 8:17 am
Forum: Personal Consumer Issues
Topic: What are potential drawback of pay-per-mile insurance?
Replies: 16
Views: 3681

Re: What are potential drawback of pay-per-mile insurance?

I'm not familiar with Metromile but my insurance agency (Farm Bureau) has a low mileage rate that is a significant discount from my daily driver insurance. I just have to report the mileage to them a couple times a year.
by lthenderson
Tue May 12, 2015 8:12 am
Forum: Personal Consumer Issues
Topic: Mechanics fails to fix problem
Replies: 17
Views: 2540

Re: Mechanics fails to fix problem

Problem was the front end/steering wheel would shudder violently, albeit intermittently. Would happen at various speeds and conditions, accelerating, coasting, bumpy roads, smooth roads. However, seemed to happen most reliably at 45 miles per hour, and regardless of speed you couldn't go ten minute...
by lthenderson
Mon May 11, 2015 12:26 pm
Forum: Personal Consumer Issues
Topic: Preventing people from disturbing wet sidewalk cement.
Replies: 13
Views: 3079

Re: Preventing people from disturbing wet sidewalk cement.

I've seen a lot of "Smile, you are on camera" signs lately.
by lthenderson
Mon May 11, 2015 12:25 pm
Forum: Personal Consumer Issues
Topic: dishwasher service plan
Replies: 18
Views: 1687

Re: dishwasher service plan

I was an engineer in the appliance industry. We designed things to last until the extended warranty period was over as a design goal. So as others said, it really isn't in your best interest to get added insurance unless it would financially bankrupt you should your dishwasher go belly up in the nex...
by lthenderson
Mon May 11, 2015 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Which Company Do You Have Auto Insurance With?
Replies: 105
Views: 10767

Re: Which Company Do You Have Auto Insurance With?

Farm Bureau. I've had them my entire driving career, have never had any problems and they've always been cheaper than anyone else I could find as long as I don't have any driving infractions. They give you discounts based on how many years you've been with them, if your parents were members and base...
by lthenderson
Mon May 11, 2015 9:21 am
Forum: Personal Consumer Issues
Topic: Boglehead Dryer - for likely non-permanent residence
Replies: 8
Views: 922

Re: Boglehead Dryer - for likely non-permanent residence

If I was in your situation, I would buy just about any used dryer I could find down at the local pawn shop or similar store. Most likely you will get a couple years out of it and since you are planning on leaving it, you aren't paying a lot of money for it. Also, whenever I've bought a house, I've n...
by lthenderson
Mon May 11, 2015 9:10 am
Forum: Personal Consumer Issues
Topic: Bought a brand new house - what next?
Replies: 17
Views: 2862

Re: Bought a brand new house - what next?

Become familiar with where all your water shutoff valves are located including the main one. Try everything out now to ensure it works properly including the heater. Don't wait until this fall to find out there is a problem with it. I like to keep a maintenance log for my house where everything I do...
by lthenderson
Mon May 11, 2015 8:50 am
Forum: Personal Consumer Issues
Topic: Leather sofa sets for my living room
Replies: 11
Views: 6699

Re: Leather sofa sets for my living room

With two girls, 2 and 8 years old, don't buy something thinking this is what you want for the rest of your life. Kids are hard on furniture and our couches are no exception. We bought mid range leather couches and I love the leather versus cloth because it makes mopping up messes much easier. Howeve...
by lthenderson
Mon May 11, 2015 8:44 am
Forum: Personal Consumer Issues
Topic: How to educate myself about buying a house?
Replies: 11
Views: 1700

Re: How to educate myself about buying a house?

One of the things we did that really helped out is to find all the open houses in your area and go to them, whether the house is interesting to you or not. By seeing a house in a non-one-on-one situation which can be pressuring, you can envision how you would be using the space and figure out what k...
by lthenderson
Fri May 08, 2015 9:13 am
Forum: Personal Finance (Not Investing)
Topic: much ado about coasting (through life)
Replies: 256
Views: 45034

Re: much ado about coasting (through life)

nisiprius wrote:P.S. Isn't retirement exactly the same thing as "coasting?"
I tell everyone I started off slowly so now I am easing off!
by lthenderson
Fri May 08, 2015 9:10 am
Forum: Personal Consumer Issues
Topic: buying a new subaru outback
Replies: 25
Views: 4437

Re: buying a new subaru outback

I always have paid cash so perhaps I am missing something obvious. I don't understand how car dealers can function offering such low interest loans for five to six years. It would take a lot of loans collecting $400 in interest per year/per loan lifetime just to pay the people dealing with all the p...
by lthenderson
Fri May 08, 2015 9:00 am
Forum: Personal Consumer Issues
Topic: Do you get non-zero peak values on your CO detector?
Replies: 11
Views: 1665

Re: Do you get non-zero peak values on your CO detector?

nisiprius wrote:That one had a built-in time limit of seven years.
I spent many frustrating hours a couple years ago trying to fix a smoke detector before learning about this fact. I probably should have read the directions but who reads directions for installing smoke detectors?!
by lthenderson
Fri May 08, 2015 8:56 am
Forum: Personal Finance (Not Investing)
Topic: much ado about coasting (through life)
Replies: 256
Views: 45034

Re: much ado about coasting (through life)

I retired at 40. The big shock that I never really thought about until afterwards is that all the friends I like to hang around with are still working and probably will do so until they are in their 60's. So the people I 'hang' around with during the day now are generally in their 60's too. Also, I ...
by lthenderson
Fri May 08, 2015 8:39 am
Forum: Personal Consumer Issues
Topic: Do you get non-zero peak values on your CO detector?
Replies: 11
Views: 1665

Re: Do you get non-zero peak values on your CO detector?

Years ago when I used to live in a drafty apartment, whenever someone would warm up their car outside our living room during the winter, it would go off. Made me think a little bit about how living in that apartment was affecting my body. Fortunately I moved shortly afterwards.
by lthenderson
Thu May 07, 2015 12:42 pm
Forum: Personal Consumer Issues
Topic: What to do with 1940's refrigerator that still works?
Replies: 37
Views: 12748

Re: What to do with 1940's refrigerator that still works?

Old refrigerators make excellent meat smokers with a few modifications!
by lthenderson
Thu May 07, 2015 12:36 pm
Forum: Personal Consumer Issues
Topic: New car vs used car -- what's your approach?
Replies: 57
Views: 7598

Re: New car vs used car -- what's your approach?

One of the best investments you can go is to go down to your local auto parts store and buy a diagnostic scanner that you can plug into the OBD II port that every car since 1998 has. It will tell you specifically what is wrong and causing the light and many of them are cheap fixes. Personally, I onl...
by lthenderson
Wed May 06, 2015 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Buying new car
Replies: 21
Views: 4509

Re: Buying new car

I always get the Consumer Report report on the car I wish to buy. It contains the price the dealer paid for it as well as the cost of all the options. Once I know what they have into it, I generally add about $1000 to that price and that is my offer. This depends on if it is the current model year o...