Search found 3734 matches

by neilpilot
Wed Apr 14, 2021 7:34 am
Forum: Personal Consumer Issues
Topic: Summerizing Florida House
Replies: 11
Views: 1065

Re: Summerizing Florida House

A few random thoughts: Identify someone locally that can access the condo to check things if necessary. Close hurricane panels to prevent windows from blowing in? Consider positioning a dehumidifier so it drains into a sink and allows you to run the AC at a higher temperature setpoint. Turn off wate...
by neilpilot
Tue Apr 13, 2021 7:14 pm
Forum: Personal Consumer Issues
Topic: Cicadas
Replies: 23
Views: 1740

Re: Cicadas

gerntz wrote: Tue Apr 13, 2021 6:49 pm These cicadas emerge from underground only every 17 years & make a racket during daylight hours only. They are all east of the Mississippi River.
Not just east of the MS, unless you are just talking about Brood X. Just ask those in IA, KS, OK, MO et al.
by neilpilot
Sun Apr 11, 2021 4:42 pm
Forum: Personal Consumer Issues
Topic: USPS Delivery issues
Replies: 35
Views: 2548

Re: USPS Delivery issues

I am the executor of my dad's estate, and have sent over a dozen letters using certified mail in the past 6 months. Some disappear, some take 30 days to get there. I also found out that the signature you get on the certified mail receipt is useless. I saw on the informed delivery email I got one mo...
by neilpilot
Sun Apr 11, 2021 12:25 pm
Forum: Personal Consumer Issues
Topic: USPS Delivery issues
Replies: 35
Views: 2548

Re: USPS Delivery issues

Doesn't solve the OP's issue, but this reinforces why I chose a brokerage firm with a local office when consolidating my accounts years ago. I can just drive over to their office, about 1 mile away. I used to use a large national bank that had two local branches. And then, they closed both branches...
by neilpilot
Sun Apr 11, 2021 11:14 am
Forum: Personal Consumer Issues
Topic: USPS Delivery issues
Replies: 35
Views: 2548

Re: USPS Delivery issues

Doesn't solve the OP's issue, but this reinforces why I chose a brokerage firm with a local office when consolidating my accounts years ago. I can just drive over to their office, about 1 mile away.
by neilpilot
Sat Apr 03, 2021 3:46 pm
Forum: Personal Consumer Issues
Topic: Oil change interval for low-mileage vehicles
Replies: 172
Views: 22677

Re: Oil change interval for low-mileage vehicles

Is there is specific science behind the 1 year interval? I understand the thought of condensation, but isn't the oil in an essentially closed system? What's somewhat odd is that for a typical wakeboard boat, the manual says to change the oil BEFORE winter storage. Shouldn't that instead be done 1st...
by neilpilot
Sat Apr 03, 2021 8:48 am
Forum: Personal Consumer Issues
Topic: Oil change interval for low-mileage vehicles
Replies: 172
Views: 22677

Re: Oil change interval for low-mileage vehicles

slickracer wrote: Sat Apr 03, 2021 7:49 am Once per year or 5,000 miles, using synthetic oil, is just fine.
In my opinion once per year or 7,500 miles, using fully synthetic oil (not a syn blend) is even better for the cars I'm familiar with.
by neilpilot
Thu Apr 01, 2021 8:00 am
Forum: Personal Finance (Not Investing)
Topic: $1M / $5M Geico Umbrella Policy in Florida: Are These Numbers Insane?
Replies: 40
Views: 3492

Re: $1M / $5M Geico Umbrella Policy in Florida: Are These Numbers Insane?

We're in a Memphis TN suburb, far from Florida. Our Geico $2M policy risk profile includes a single residence, 2 cars and a small boat (no rental, married couple with no other occupants/drivers). Yesterday we received notice of the renewal premium showing an annual increase of 60%. Total premium is ...
by neilpilot
Tue Mar 30, 2021 8:40 pm
Forum: Personal Investments
Topic: Mom would like to gift $200k ($100K per child) now
Replies: 56
Views: 8732

Re: Mom would like to gift $200k ($100K per child) now

How about just having her pay down the debt directly. This is just as much a (taxable) gift as handing over a check. (I believe that there are exceptions are for medical and education bills.) Ah, yes true but she could structure it as a loan and forgive a portion each year. An accountant can help w...
by neilpilot
Tue Mar 30, 2021 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Online purchase damaged during shipment - PayPal or credit card dispute?
Replies: 12
Views: 746

Re: Online purchase damaged during shipment - PayPal or credit card dispute?

It appears your goal at this point is not to return the item, but rather to get money back for the repair and as compensation for the damage. I don't think either the bank nor paypal have provisions for such a resolution. If they agree that the product was "significantly different than describ...
by neilpilot
Tue Mar 30, 2021 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Online purchase damaged during shipment - PayPal or credit card dispute?
Replies: 12
Views: 746

Re: Online purchase damaged during shipment - PayPal or credit card dispute?

Since you initiate unauthorized repair of the item, I see an issue with a claim against either PayPal or your credit card. Unfortunately, the only obvious claim is against the seller, who in turn should have a claim against the carrier. Was it shipped insured?
by neilpilot
Tue Mar 30, 2021 1:08 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2753
Views: 274208

Re: [What TV Show Have You Recently Watched?]

Heartland. No vampires, crackheads, zombies or drug dealers - true to life. Clean but more raw than you expect. On for 14 years and still filming. Same cast. Watch the youngsters grow up before your eyes. Lovely romance. Most popular actress in the world that you've never heard of. Shown in 115 cou...
by neilpilot
Tue Mar 30, 2021 1:05 pm
Forum: Personal Consumer Issues
Topic: Tankless Water Heater - Struggling to Justify
Replies: 71
Views: 5903

Re: Tankless Water Heater - Struggling to Justify

It's even worse in places that don't have basements. Around here, water heaters are often in the attic and can ruin the room below. A water tank leak almost always start off very small. It's typically in a catch basin that drains to the outside and will prevent any interior damage. At least that's ...
by neilpilot
Mon Mar 29, 2021 3:30 pm
Forum: Personal Consumer Issues
Topic: Tankless Water Heater - Struggling to Justify
Replies: 71
Views: 5903

Re: Tankless Water Heater - Struggling to Justify

Unless you spend extra for a battery backup, the tankless heater's controls will not function if your electricity goes out. The basic Bradford While gas heater doesn't use an electrical power source.
by neilpilot
Mon Mar 29, 2021 3:24 pm
Forum: Personal Consumer Issues
Topic: Gas Water Heaters
Replies: 9
Views: 564

Re: Gas Water Heaters

Quick recovery or large tank size if your use case requires it. Brass drain valve and user replaceable anode rod if you plan to maintain your water heater. Longer warranty as an indication of quality. If gas, do you prefer increased efficiency (power vent) or always available hot water during a pow...
by neilpilot
Fri Mar 26, 2021 2:56 pm
Forum: Personal Consumer Issues
Topic: $7500 tax credit on EV purchase
Replies: 11
Views: 1778

Re: $7500 tax credit on EV purchase

I expect to take delivery of an ID.4 in the next few weeks. Once the deal is done, I'll cut my pension & SS withholding way down to compensate for that $7500. Also the 30% tax credit on EVSE installations (even if it's a plug-in portable EVSE) has been extended until the end of this year. IIRC s...
by neilpilot
Fri Mar 26, 2021 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: IRS hasn't processed 2019 tax amendment(Mail delivered to IRS August 2020), not showing up in IRS portal, what to do ?
Replies: 37
Views: 2546

Re: IRS hasn't processed 2019 tax amendment(Mail delivered to IRS August 2020), not showing up in IRS portal, what to do

Cautionary Tale wrote: Thu Mar 25, 2021 3:45 pm I am in the same boat, and what's annoying is that I suspect that's why I haven't seen my 2k stimulus.
This boat is pretty crowded. My simple 1040x was mailed in March 2020, the IRS received it on 4/3/20 and it's still being processed.

Don't qualify for stimulus.
by neilpilot
Fri Mar 26, 2021 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Homeowners Insurance
Replies: 20
Views: 1967

Re: Homeowners Insurance

Thank you for the detailed information. I tried to get Allstate and State Farm to match my GEICO car insurance rates a while ago and they were 25% higher. But maybe if I bundle homeowners insurance they will be more competitive. I have heard of NJM from a co-worker who boasted of how they were the ...
by neilpilot
Tue Mar 23, 2021 12:51 pm
Forum: Personal Consumer Issues
Topic: Prescription drugs, HDHP, and coupons
Replies: 8
Views: 602

Re: Prescription drugs, HDHP, and coupons

Try the app GoodRX It will give you a much cheaper price for drugs not covered by insurance. Worth a shot DA No, the medication we have is covered by insurance, but subject to deductible. We can't use GoodRx in combination with our insurance, to the best of my knowledge. Actually, you can use GoodR...
by neilpilot
Tue Mar 23, 2021 11:35 am
Forum: Personal Consumer Issues
Topic: What Outlets in preparation for electric cars?
Replies: 100
Views: 6717

Re: What Outlets in preparation for electric cars?

I'd probably not have bothered with the outlets, just had them run wire to junction boxes. It's trivial to stick an outlet on it later, but it probably makes more sense (cleaner, fewer failure points) to just hardwire the charger when you get it. For my needs, I decided a plug in charger made more ...
by neilpilot
Tue Mar 23, 2021 9:26 am
Forum: Personal Consumer Issues
Topic: What Outlets in preparation for electric cars?
Replies: 100
Views: 6717

Re: What Outlets in preparation for electric cars?

Overhead outlets might be an option. I have one in my workshop which works well. The outlet I'm planning is on the far wall between the 2 car bays. The charger line will be directed up the wall, overhead and then drop down to the rear of either car. This will allow pedestrian traffic to move behind...
by neilpilot
Tue Mar 23, 2021 7:50 am
Forum: Personal Consumer Issues
Topic: What Outlets in preparation for electric cars?
Replies: 100
Views: 6717

Re: What Outlets in preparation for electric cars?

Ok electrician installing 3 NEMA 60 240V outlets, one in each garage car slot (decided to do third garage). $1200 for everything seems a good price. Great price. But can your panel handle 3 x 50A breakers? If you mean 3 60amp 240v circuits, isn't that 6 x 50amp breakers? PS - I'm on the verge of bu...
by neilpilot
Sun Mar 21, 2021 3:29 pm
Forum: Personal Consumer Issues
Topic: Natural gas, tank water heater. Which brand?
Replies: 26
Views: 1900

Re: Natural gas, tank water heater. Which brand?

It was a 50 gallon Bradford White 40k BTU Defender, natural gas RG250T6N Out the door installed with new supply lines, venting and a brass drain ball valve (and the old one hauled away) it was $1050. I see the model go at supply houses for under $700. I felt it was fair, it took 2 guys around a 1 h...
by neilpilot
Sun Mar 21, 2021 11:08 am
Forum: Personal Consumer Issues
Topic: REAL ID still set to be effective Oct 1 2021
Replies: 109
Views: 7367

Re: REAL ID still set to be effective Oct 1 2021

I got my Real ID in 2019, well ahead of the original required date of 10/1/2020 because I didn’t want to carry my passport around just to enter local federal buildings. So glad that I did that. I will have no need to carry my passport for domestic travel either. It is a win-win for me. Actually, th...
by neilpilot
Sun Mar 21, 2021 10:51 am
Forum: Personal Consumer Issues
Topic: REAL ID still set to be effective Oct 1 2021
Replies: 109
Views: 7367

Re: REAL ID still set to be effective Oct 1 2021

When I looked at the long list of requirements, it seemed harder to get a Real ID than a more useful passport. So I renewed a regular license and will rely on my passport for travel which I need to anyway for international travel. Time is too short for extra visits to the DMV and the attendant bure...
by neilpilot
Sun Mar 21, 2021 10:15 am
Forum: Personal Consumer Issues
Topic: Smoke Detector Help - 5 chirps
Replies: 28
Views: 2157

Re: Smoke Detector Help - 5 chirps

wander wrote: Sun Mar 21, 2021 10:04 am I think there is no reset button. It is called test button.
My units have a test button that also functions as a reset button.
by neilpilot
Sat Mar 20, 2021 10:06 pm
Forum: Personal Consumer Issues
Topic: 50 gallon water heater questions
Replies: 70
Views: 4279

Re: 50 gallon water heater questions

The only time I've ever heard of people doing it was in RV water heaters made by Suburban. But even then, it seems to take years before the anode rod goes bad. Years ago we had an RV with a Suburban water heater. My memory was that I replaced the anode every year, and most years there was nothing l...
by neilpilot
Sat Mar 20, 2021 6:32 pm
Forum: Personal Consumer Issues
Topic: REAL ID still set to be effective Oct 1 2021
Replies: 109
Views: 7367

Re: REAL ID still set to be effective Oct 1 2021

I was in the process of getting my passport last year when COVID shutdowns hit, and the passport fair at the local post office was cancelled. I have kept the certified copy of my birth certificate and the passport-compliant photos in a file folder for the past year. Now that we're getting to crunch...
by neilpilot
Sat Mar 20, 2021 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for Social Security — When?
Replies: 23
Views: 2095

Re: Applying for Social Security — When?

I’m sure many others will chime in shortly. While you try to decide if you will start as early as now or as late as age 70, keep in mind that you can file at any time in the future and ask for “back pay” for as much as 10 months in the past. So if you take a few months to decide, and then wish you h...
by neilpilot
Sat Mar 20, 2021 11:42 am
Forum: Personal Consumer Issues
Topic: 50 gallon water heater questions
Replies: 70
Views: 4279

Re: 50 gallon water heater questions

I like the idea of two, but think having them in series would be better - first one to say 100 degrees & the other at full heat. That way semi-hot water doesn't run out & the full heat one gets up to temp real quick. In parallel - unless the lines come back together - if one goes out then h...
by neilpilot
Sat Mar 20, 2021 9:26 am
Forum: Personal Consumer Issues
Topic: Natural gas, tank water heater. Which brand?
Replies: 26
Views: 1900

Re: Natural gas, tank water heater. Which brand?

We also have Bradford White. No problems with it. I had two 50g gas Bradford white tanks installed about ten years ago. About 5 years later, and within about 5 months of each other, each of their Honeywell ignition systems failed. I've later learned that this has been a widespread problem. Hopefull...
by neilpilot
Fri Mar 19, 2021 10:51 am
Forum: Personal Consumer Issues
Topic: 50 gallon water heater questions
Replies: 70
Views: 4279

Re: 50 gallon water heater questions

I'm not sure why there is negativity to tankless in this thread. I remodeled my house about 10 years ago and went with a gas-fired Navien tankless sized properly to my demands and home (3 people). There is a lag in getting the hot water going (I believe this has improved somewhat in the last decade...
by neilpilot
Fri Mar 19, 2021 10:45 am
Forum: Personal Consumer Issues
Topic: People with Covid-19 vaccination record cards: where are you keeping them?
Replies: 163
Views: 13957

Re: People with Covid-19 vaccination record cards: where are you keeping them?

Somewhat off topic, but also share the vaccine type, dates, and lot #s with your personal physician so it becomes part of your medical records.
by neilpilot
Fri Mar 19, 2021 10:42 am
Forum: Personal Consumer Issues
Topic: Replace water heater just because it's old?
Replies: 94
Views: 9650

Re: Replace water heater just because it's old?

Similar question I am adding a brand new bathroom with a soaking tub. The tub itself will be 50-60 gallons. I currently have a 40 gallon nat gas water heater. Our water is supplied by the city and is not anything special (not hard, etc). I am going to add a second (identical) water heater and pipe ...
by neilpilot
Thu Mar 18, 2021 11:33 am
Forum: Personal Finance (Not Investing)
Topic: 3rd Stimulus Check Overpayment....Input Needed
Replies: 24
Views: 4346

Re: 3rd Stimulus Check Overpayment....Input Needed

I think there are different issues, in our case we had a 21yo college dependent on our 2019 Tax Return, he became dependent with full time job after graduation in 2020 and we filed 2020 Tax Return with zero dependents. We correctly did NOT receive any EIP Stimulus payments for him in the first 2 ro...
by neilpilot
Wed Mar 17, 2021 1:36 pm
Forum: Personal Consumer Issues
Topic: Anyone with experience removing pipe plugs
Replies: 61
Views: 4804

Re: Anyone with experience removing pipe plugs

https://www.amazon.com/OFFSET-WRENCH-PORTER-PEACHTREE-WOODWORKING/dp/B003Y0CBY6/ref=asc_df_B003Y0CBY6/?tag=hyprod-20&linkCode=df0&hvadid=475715995816&hvpos=&hvnetw=g&hvrand=14733101174131165371&hvpone=&hvptwo=&hvqmt=&hvdev=c&hvdvcmdl=&hvlocint=&hvlocp...
by neilpilot
Wed Mar 17, 2021 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: IRS $10,200 unemployment exclusion instructions are out
Replies: 32
Views: 3448

Re: IRS $10,200 unemployment exclusion instructions are out

mbasherp wrote: Tue Mar 16, 2021 5:43 pm I also think the IRS knows they cannot possibly handle such an influx of amended returns. I amended a 2018 return last year - accepted in May... still waiting for a refund.
What's your rush - no refund yet from my TY2019 1040X, accepted at beginning of April.
by neilpilot
Wed Mar 17, 2021 12:41 pm
Forum: Personal Consumer Issues
Topic: Anyone with experience removing pipe plugs
Replies: 61
Views: 4804

Re: Anyone with experience removing pipe plugs

https://www.amazon.com/OFFSET-WRENCH-PORTER-PEACHTREE-WOODWORKING/dp/B003Y0CBY6/ref=asc_df_B003Y0CBY6/?tag=hyprod-20&linkCode=df0&hvadid=475715995816&hvpos=&hvnetw=g&hvrand=14733101174131165371&hvpone=&hvptwo=&hvqmt=&hvdev=c&hvdvcmdl=&hvlocint=&hvlocph...
by neilpilot
Tue Mar 16, 2021 8:03 am
Forum: Personal Finance (Not Investing)
Topic: Question About Medicare Costs
Replies: 8
Views: 637

Re: Question About Medicare Costs

I'm confused as to why you are lumping Plan G and Part D into a single comparison. AFAIK they are always sold as separate entities, and are also very different in most states in that once you choose a Plan G you are often not changing that coverage, whereas in most cases Part D coverage frequently c...
by neilpilot
Mon Mar 15, 2021 4:37 pm
Forum: Personal Consumer Issues
Topic: Anyone here ever use a house-sitting website to find house-sits while traveling?
Replies: 6
Views: 1016

Re: Anyone here ever use a house-sitting website to find house-sits while traveling?

We use TrustedHousesitters for taking care of the owner’s pet. Website is UK based but there are many members in the USA. We’ve stayed in 11 homes since 2017, with all but 3 in the USA. Would have been more if not for COVID. All of the sits have worked out very well for us, and after a 19 month COV...
by neilpilot
Mon Mar 15, 2021 9:02 am
Forum: Personal Consumer Issues
Topic: Contractor installed floating hardwood floor - extremely noisy
Replies: 37
Views: 2550

Re: Contractor installed floating hardwood floor - extremely noisy

No comment on your dealings with the contractor.

As to the floor, I've DIYed 2 floating floors and in both cases used an underlying pad. The pad was clearly listed as an option intended to reduce the noise of the float. My floors are quiet.
by neilpilot
Mon Mar 15, 2021 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Umbrella Policy; Anyone actually made a claim?
Replies: 211
Views: 16045

Re: Umbrella Policy; Anyone actually made a claim?

My USAA only requires $300k on the underlying, but I have $1M on the underlying for each. I think my umbrella is cheaper because of it, but I really don't know. Obviously I don’t know your policy details. When I first purchased umbrella coverage decades ago my agent explained that excess liability ...
by neilpilot
Mon Mar 15, 2021 7:27 am
Forum: Personal Finance (Not Investing)
Topic: Umbrella Policy; Anyone actually made a claim?
Replies: 211
Views: 16045

Re: Umbrella Policy; Anyone actually made a claim?

My USAA only requires $300k on the underlying, but I have $1M on the underlying for each. I think my umbrella is cheaper because of it, but I really don't know. Obviously I don’t know your policy details. When I first purchased umbrella coverage decades ago my agent explained that excess liability ...
by neilpilot
Sun Mar 14, 2021 3:09 pm
Forum: Personal Consumer Issues
Topic: Anyone here ever use a house-sitting website to find house-sits while traveling?
Replies: 6
Views: 1016

Re: Anyone here ever use a house-sitting website to find house-sits while traveling?

We use TrustedHousesitters for taking care of the owner’s pet. Website is UK based but there are many members in the USA. We’ve stayed in 11 homes since 2017, with all but 3 in the USA. Would have been more if not for COVID. All of the sits have worked out very well for us, and after a 19 month COVI...
by neilpilot
Sun Mar 14, 2021 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Haven't received refund from tax amendment
Replies: 15
Views: 967

Re: Haven't received refund from tax amendment

Filed a paper TY2019 1040x in late March 2020, and IRS shows it was received early April. They’re still processing my small refund.
by neilpilot
Fri Mar 12, 2021 9:01 am
Forum: Personal Consumer Issues
Topic: Motor vehicle accident; civil lawsuit
Replies: 87
Views: 10061

Re: Motor vehicle accident; civil lawsuit

Might suggest to brother that he look into defensive driving class for nephew. The only way you can rear end another car is by following too close..... I once rear ended a car while stopped at an intersection when I was pushed forward by the car that rear ended me. When I lived in the NE, there was...
by neilpilot
Thu Mar 11, 2021 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Sticker shock [Taxes on changing mutual funds?]
Replies: 13
Views: 1087

Re: Sticker shock [Taxes on changing mutual funds?]

marcopolo wrote: Thu Mar 11, 2021 4:55 pm
If OP is retired (no, or low, other income), then probably quite a bit more than $100k in gains to generate $20k in taxes.
Why is it that you assume that someone who retirees with "31 years in the military and 15 with Fed service" is likely to have "no, or low, other income"?
by neilpilot
Thu Mar 11, 2021 4:53 pm
Forum: Personal Consumer Issues
Topic: Lawn mower
Replies: 38
Views: 4301

Re: Lawn mower

I bought an MTD 22 inch high wheel non-self proppeled with Briggs and Stratton 4.5 hp in 1994. 27 years, one pull rope, and two spark plugs later it still starts on the first pull. I use it nine months out of the year. The brand is less important than the engine brand. Only 27 years old! :wink: htt...
by neilpilot
Thu Mar 11, 2021 4:50 pm
Forum: Personal Consumer Issues
Topic: Found termites! Now what?
Replies: 46
Views: 3968

Re: Found termites! Now what?

I think Termidor can only be used by professionals, not DIY, not certain. That's only true for a few states. https://www.domyown.com/termidor-sc-p-184.html?keyword=termidor&gclid=Cj0KCQiA-aGCBhCwARIsAHDl5x8uvOSaIBeEHOXUYaLYm8FObMabV5-FvRI8nlsVN8uURZs7lJ1Ui9saAmL-EALw_wcB Taurus SC is the generi...
by neilpilot
Thu Mar 11, 2021 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Problem with TurboTax Purchase on Amazon
Replies: 12
Views: 827

Re: Problem with TurboTax Purchase on Amazon

Silk McCue wrote: Thu Mar 11, 2021 2:09 pm BTW few people need Premier version and Deluxe usually gets it done for most. What does Premier do for you that Deluxe can’t.

Cheers
....and if you buy Deluxe, buy the Federal only (no state) and save even more.