Search found 2153 matches

by Saving$
Thu Apr 29, 2021 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking Guidance for Tenant's claim for Damages
Replies: 78
Views: 6422

Re: Seeking Guidance for Tenant's claim for Damages

In addition to the above suggestions, to find an attorney who specializes in representing landlords: Find a local landlord association in your city, and see about getting an attorney referral from them. Go to a national landlord forum and see if they have a sub forum or if you can identify LL's in y...
by Saving$
Thu Apr 29, 2021 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: Online Statement Aggregator (Manilla, Fetch, etc.)
Replies: 6
Views: 2940

Re: Online Statement Aggregator (Manilla, Fetch, etc.)

Seven years after initially researching this, I'm still using Finovera, and am generally happy with the service. Pros: It is free, it does 90% of what I need and their customer support is responsive and friendly. Cons: They seemed to have shifted their focus away from the consumer market, and have s...
by Saving$
Thu Apr 29, 2021 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone Use a 3rd Party Bill Pay? (non-business)
Replies: 24
Views: 1486

Re: Anyone Use a 3rd Party Bill Pay? (non-business)

Like others have suggested, push as many invoices as you can to be paid via credit card. Yes the vendor is pulling the money from your credit card, but with a credit card you can dispute if there is an issue, and you also get the cc rewards. The only reoccuring invoices I have that are not paid via ...
by Saving$
Sun Apr 25, 2021 9:02 pm
Forum: Personal Consumer Issues
Topic: Superautomatic Coffee Machine: Jura or other?
Replies: 10
Views: 1399

Re: Superautomatic Coffee Machine: Jura or other?

Highly recommend Miele espresso/coffee makers. Had a Breville and like this better Had not considered Miele. Which one do you have? What is it about it that makes it better? Less maintenance? Less finicky? Better coffee? Other? I googled around a bit and found this, which is just under $1k, so comp...
by Saving$
Sat Apr 24, 2021 4:43 pm
Forum: Personal Consumer Issues
Topic: Superautomatic Coffee Machine: Jura or other?
Replies: 10
Views: 1399

Re: Superautomatic Coffee Machine: Jura or other?

I have a 16 year old Saeco Vienna. I replaced the grinder on it maybe two years ago. I've had it serviced a few other times for leaks. I'm surprised that grinder isn''t made anymore. Did a service center tell you that? I love super automatics, but it seems like even the base model ones have gone up...
by Saving$
Fri Apr 23, 2021 7:35 pm
Forum: Personal Consumer Issues
Topic: Tool for precise 90 degree cut with utility knife blade?
Replies: 36
Views: 2691

Re: Tool for precise 90 degree cut with utility knife blade?

Shallowpockets wrote: Fri Apr 23, 2021 5:30 pm An oscillating tool with a saw blade and a guide.
I have never seen a guide for an oscillating tool (multi-tool), nor a saw blade for this type of tool. Do you have a link?
by Saving$
Fri Apr 23, 2021 10:21 am
Forum: Personal Consumer Issues
Topic: Superautomatic Coffee Machine: Jura or other?
Replies: 10
Views: 1399

Superautomatic Coffee Machine: Jura or other?

Thanks to this forum, I learned about super automatic coffee machines, and took the plunge a few years ago with a Phillips Saeco. The machine needs repair or replacement, so I'm interested in experience to guide me on which direction to take. Assumptions: a. Presume I will end up with a superautomat...
by Saving$
Wed Apr 21, 2021 9:58 pm
Forum: Personal Consumer Issues
Topic: Electric Toothbrush Replacement Recommendations?
Replies: 51
Views: 3556

Re: Electric Toothbrush Replacement Recommendations?

Sonicare rechargeable from Costco is by far the best I have had Bought the Quip 2 pack - returned it after 2 days since one did not work at all, and the one that turned on did not seem to do as good a job as any other I had... - Have used Oral B rechargeable, a few cheap drugstore type that need re...
by Saving$
Sun Apr 18, 2021 5:04 pm
Forum: Personal Consumer Issues
Topic: Tool for precise 90 degree cut with utility knife blade?
Replies: 36
Views: 2691

Re: Tool for precise 90 degree cut with utility knife blade?

Do you really mean rubber or is it vinyl? Check: https://www.google.com/search?q=cutting+rubber+flooring&sxsrf=ALeKk010exjt1o-hTgbQZrMDg2_LRdtFQg%3A1618769343072&ei=v3V8YJ7VA5_P0PEPlumTsAw&oq=cutting+rubb+flooring&gs_lcp=Cgdnd3Mtd2l6EAEYADIECAAQDTIGCAAQBxAeMggIABAHEAUQHjIFCAAQhgM6Bw...
by Saving$
Sun Apr 18, 2021 5:02 pm
Forum: Personal Consumer Issues
Topic: Tool for precise 90 degree cut with utility knife blade?
Replies: 36
Views: 2691

Re: Tool for precise 90 degree cut with utility knife blade?

How long a cut? A paper guillotine like you used to see in school would seem ideal. The cut would also be straight, and perpendicular. The longest I see are 18 inches , by turning it around you might get 36 inches I need 48". I found one such cutter but it is close to $1k. I did find this tool...
by Saving$
Sun Apr 18, 2021 5:01 pm
Forum: Personal Consumer Issues
Topic: Tool for precise 90 degree cut with utility knife blade?
Replies: 36
Views: 2691

Re: Tool for precise 90 degree cut with utility knife blade?

Get a block of wood (or whatever) that is square. Put a loose utility blade flat on one edge, at whatever angle you like, so that it sticks out the bottom by whatever depth of cut you like. clamp with a C-clamp. Maybe a couple of small screws along the back edge to enforce the angle?? Slide that bl...
by Saving$
Sun Apr 18, 2021 4:55 pm
Forum: Personal Consumer Issues
Topic: Tool for precise 90 degree cut with utility knife blade?
Replies: 36
Views: 2691

Re: Tool for precise 90 degree cut with utility knife blade?

fatherjames wrote: Sun Apr 18, 2021 2:01 pm I would try overlapping and double cutting. That way you should end up with a tight joint.
I've tried that. The material is so thick and dense that I cannot get through one layer in one pass, much less two layers. I can't hold the knife perfectly at a 90 on every pass, so it just ends up a mess.
by Saving$
Sun Apr 18, 2021 4:53 pm
Forum: Personal Consumer Issues
Topic: Tool for precise 90 degree cut with utility knife blade?
Replies: 36
Views: 2691

Re: Tool for precise 90 degree cut with utility knife blade?

What is the material? Maybe someone on the board has experience cutting it. Agreed. Im having trouble figuring out something thats very dense which would be melted by a table saw but can be cut with a utility knife. Unless its really thick plastic a table saw with the right kind of blade should be ...
by Saving$
Sun Apr 18, 2021 1:04 pm
Forum: Personal Consumer Issues
Topic: Tool for precise 90 degree cut with utility knife blade?
Replies: 36
Views: 2691

Re: Tool for precise 90 degree cut with utility knife blade?

What is the material? Maybe someone on the board has experience cutting it. Agreed. Im having trouble figuring out something thats very dense which would be melted by a table saw but can be cut with a utility knife. Unless its really thick plastic a table saw with the right kind of blade should be ...
by Saving$
Sun Apr 18, 2021 10:54 am
Forum: Personal Consumer Issues
Topic: Tool for precise 90 degree cut with utility knife blade?
Replies: 36
Views: 2691

Tool for precise 90 degree cut with utility knife blade?

Does anyone know of a tool that will help you get a precise straight, 90 cut with a utility knife blade? Ideally it would let you pull it along a guide/ fence so the cut is straight, and the blade would mount in the tool such that the cut is exactly 90 degrees. I have a need to cut a 48" long p...
by Saving$
Sun Apr 18, 2021 10:49 am
Forum: Personal Consumer Issues
Topic: Electric Toothbrush Replacement Recommendations?
Replies: 51
Views: 3556

Re: Electric Toothbrush Replacement Recommendations?

Sonicare rechargeable from Costco is by far the best I have had Bought the Quip 2 pack - returned it after 2 days since one did not work at all, and the one that turned on did not seem to do as good a job as any other I had... - Have used Oral B rechargeable, a few cheap drugstore type that need rep...
by Saving$
Thu Apr 15, 2021 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: How foolish is this? [Buying waterfront apartment in Florida]
Replies: 102
Views: 10240

Re: How foolish is this?

Have you reviewed the condo association balance sheet? The biggest risk could be lack of reserves for common expenses. I considered that. I have a copy but am having a hard time interpreting it....lack of experience. I want to run it by someone with more experience. One possible red flag (?) is tha...
by Saving$
Thu Apr 15, 2021 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: Power of a personal real estate offer letter
Replies: 77
Views: 4850

Re: Power of a personal real estate offer letter

An elderly couple I know put the home they originally bought new and lived in for over 50 years on the market. They had raised their family there, and one of their kids passed away there after a long illness. The place held many memories for them. The neighborhood was also unique - an awesome commun...
by Saving$
Sun Apr 11, 2021 11:51 pm
Forum: Personal Finance (Not Investing)
Topic: In-Laws' HOA demanding $8000 lumpsum payment
Replies: 91
Views: 10615

Re: In-Laws' HOA demanding $8000 lumpsum payment

First things first. Did the in laws buy Owner's Title insurance? There are two types of Title Insurance 1. the type required by the mortgage company, which protects the MORTGAGE company 2. the "rider" the buyer voluntarily purchases on top of the lender's title insurance for "Owners T...
by Saving$
Sun Apr 11, 2021 11:46 pm
Forum: Personal Finance (Not Investing)
Topic: [Spouse recently passed away. Please help me handle his financial matters]
Replies: 162
Views: 14801

Re: [Spouse recently passed away. Please help me handle his financial matters]

Bennie So sorry for your loss, and the resulting pain, loneliness and heartache. First thing is to do what you need to in order to take care of yourself. You will not "get over it" but in time the pain may be less acute, simply because it is not so new. In regards to the money, you have co...
by Saving$
Sun Apr 11, 2021 10:54 pm
Forum: Personal Consumer Issues
Topic: Flooring decisions for whole house - tile vs laminate
Replies: 31
Views: 3047

Re: Flooring decisions for whole house - tile vs laminate

Neither. Look for a high quality "Luxury Vinyl" plank (or tile, but you indicate you prefer the wood look). These products have come a LONG way in the last few years. The floating click versions are even being installed in high end commercial office buildings. These products will let you p...
by Saving$
Sat Apr 10, 2021 5:19 pm
Forum: Personal Consumer Issues
Topic: Any MagicJack phone alternatives that are cheaper and better?
Replies: 16
Views: 1831

Re: Any MagicJack phone alternatives that are cheaper and better?

I use Google Voice (GV)/ Obihai 200 close to three years now. GV is free but the initial cost was porting from Verizon to TMobile (TM)($40), TM to GV $20, $50 for Obihai device and $1 a month for E911 service. After the initial setup cost I only pay $1 a month or $12 a year for E911 service which I...
by Saving$
Mon Apr 05, 2021 8:25 pm
Forum: Personal Consumer Issues
Topic: Buying Appliances from Greentoe?
Replies: 0
Views: 300

Buying Appliances from Greentoe?

Searching the forums indicates several BH's have purchased TVs via Greentoe and had a good experience. I'm looking at appliances. Greentoe has the models I'm seeking at about 2/3 the cost of the lowest price at the big box stores. Costco only carries an upgraded version with bells & whistles I d...
by Saving$
Fri Apr 02, 2021 7:55 am
Forum: Personal Consumer Issues
Topic: Non ACA individual medical insurance?
Replies: 8
Views: 865

Re: Non ACA individual medical insurance?

Non-ACA plans exist in my state with plans ranging from ultra-narrow to very broad networks. Try googling the name of your state, plus blue cross blue shield. I can buy directly from them. By non-ACA plans, do you mean plans that are not compliant with ACA rules (often short-term plans with limitat...
by Saving$
Thu Apr 01, 2021 9:03 pm
Forum: Personal Consumer Issues
Topic: Non ACA individual medical insurance?
Replies: 8
Views: 865

Non ACA individual medical insurance?

For those considering early retirement, one of the biggest obstacles seems to be health insurance. The upside is insurance is definitely available through the ACA. The downside is the ACA plans in some areas are all terrible - even though my area is a major city with 3 enormous medical systems, the ...
by Saving$
Tue Mar 30, 2021 10:26 pm
Forum: Personal Consumer Issues
Topic: Using Android Beyond Security Update Period
Replies: 9
Views: 772

Re: Using Android Beyond Security Update Period

We pre-ordered a Librem 5 in November 2018 to replace it - emphasis on the pre-order. Still waiting on the new phone (orders are being filled, we're just later in line). But I fully expect the phone to be supported for several years. After 2 rounds of Samsung's flagship phones the other household m...
by Saving$
Mon Mar 29, 2021 9:52 pm
Forum: Personal Consumer Issues
Topic: Bathroom Remodel
Replies: 45
Views: 2898

Re: Essentials for Bathroom Remodel

1. Curbless shower. 2. Schluter Ditra. https://www.schluter.com/schluter-us/en_US/Membranes/Uncoupling-(DITRA)/Schluter®-DITRA-&-DITRA-XL/p/DITRA 3. Electrical outlet behind toilet. Someday, you will want the washlet. Toto 4. Install a towel warmer. If you don't, then pre-wire for it. https://r...
by Saving$
Thu Mar 25, 2021 11:05 pm
Forum: Personal Finance (Not Investing)
Topic: JTWRS Problems - what are my options?
Replies: 136
Views: 10665

Re: JTWRS Nightmare - what are my options?

I asked my bank if I bring a check made out as "John Jones & Mary Jones JTWRS" could just 1 person sign the sign for deposit and they said no. They said if the check was payable to "John Jones or Mary Jones JTWRS" or even "John Jones, Mary Jones JTWRS" then just 1 ...
by Saving$
Thu Mar 25, 2021 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: JTWRS Problems - what are my options?
Replies: 136
Views: 10665

Re: JTWRS Nightmare - what are my options?

I asked my bank if I bring a check made out as "John Jones & Mary Jones JTWRS" could just 1 person sign the sign for deposit and they said no. They said if the check was payable to "John Jones or Mary Jones JTWRS" or even "John Jones, Mary Jones JTWRS" then just 1 ...
by Saving$
Thu Mar 25, 2021 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: JTWRS Problems - what are my options?
Replies: 136
Views: 10665

Re: JTWRS Nightmare - what are my options?

Sorry maybe you've already answered though it's not clear to me-have you asked whether you can have checks issued to you and write a check to yourself without the joint owner's signature? Again, at Etrade they will allow this although they will not allow an account transfer without both owners' sig...
by Saving$
Wed Mar 24, 2021 12:34 am
Forum: Personal Finance (Not Investing)
Topic: JTWRS Problems - what are my options?
Replies: 136
Views: 10665

Re: JTWRS Nightmare - what are my options?

OP - you are making this very complicated for yourself. You have received numerous posts with good advice, yet your response to all has been to speculate as to why it won't work. What is there to lose by trying one of the methods suggested? Set up an account in your name only, and see if you can mov...
by Saving$
Tue Mar 23, 2021 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: What is an average retirement a/c worth in America ?
Replies: 228
Views: 22591

Re: What is an average retirement a/c worth in America ?

This forum draws a disproportionate share of its users from two groups: - People who have unusually high paying jobs, or somehow acquired wealth early (startup, inheritance, etc.) - People who are more deliberate/disciplined/detailed than the average person, whether they have a low, average or high ...
by Saving$
Mon Mar 22, 2021 10:02 pm
Forum: Personal Consumer Issues
Topic: Baylor, Auburn or ‘Bama?
Replies: 73
Views: 5420

Re: Baylor, Auburn or ‘Bama?

livesoft wrote: Mon Mar 22, 2021 9:30 pm None of the above. Keep looking.

Consider taking a gap year or two.
+1
by Saving$
Mon Mar 22, 2021 9:12 pm
Forum: Personal Consumer Issues
Topic: New Glasses, Costco or Walmart?
Replies: 41
Views: 2768

Re: New Glasses, Costco or Walmart?

JPH wrote: Mon Mar 22, 2021 9:53 am The coating peeled off my glasses from Costco. Walmart has a much larger selection of frames.
Same happened to mine. I brought them back and Costco replaced the lenses no cost.
by Saving$
Sat Mar 20, 2021 11:27 pm
Forum: Personal Investments
Topic: What do most people do with a 401K upon retirement if they dont need it?
Replies: 169
Views: 15603

Re: What do most people do with a 401K upon retirement if they dont need it?

The 401k can be rolled over into an IRA with Vanguard or whoever. This is not a taxable event. The IRA can just set there without paying any taxes until withdrawals from the IRA are made. The withdrawals can be the RMD when required, or a qualified charitable distribution or any other reason. Great...
by Saving$
Sat Mar 20, 2021 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: Itemize to save on state taxes?
Replies: 19
Views: 1467

Re: Itemize to save on state taxes?

I'm in a no income tax state right now, but I might find myself in the same situation soon if I take an out of state assignment for 2-3 years. My state income tax would probably be close to the SALT limit of $10k and (being single) it wouldn't take much to go over the standard deduction on the fede...
by Saving$
Sat Mar 20, 2021 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Itemize to save on state taxes?
Replies: 19
Views: 1467

Re: Itemize to save on state taxes?

This clearly depends on the state. In mine, I do not have to take the same deduction on state as I do on federal. As in a prior post, I can file either MFJ or MFS on the state return, even though MFJ is always best on the federal return. MFS is almost always better on the state return,though slight...
by Saving$
Sat Mar 20, 2021 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Itemize to save on state taxes?
Replies: 19
Views: 1467

Itemize to save on state taxes?

Are there any downsides to taking an itemized deduction on federal return that may be lower than the federal standard deduction in order to be eligible to carry the itemized deduction on the state return? In this case the itemized deduction on the state return results in a net $500 savings between t...
by Saving$
Wed Mar 10, 2021 10:38 pm
Forum: Personal Investments
Topic: Overcontributed to 401k - Looking for some advice moving forward
Replies: 8
Views: 821

Re: Overcontributed to 401k - Looking for some advice moving forward

I'm by no means an expert on this, but if a plan tests and determines the highly compensated individuals over contributed, don't they just return the funds, and you pay the taxes on those just as if you had never contributed to a 401K? I don't think there is a penalty involved. Maybe those who know...
by Saving$
Wed Mar 10, 2021 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off parent's mortgage?
Replies: 44
Views: 3885

Re: Pay off parent's mortgage?

You and the sibling(s) who can afford it pay off the mortgage and either each record a lien against the house for the amount paid or get a promissory note, perhaps at no interest. That way mom and perhaps her estate get the benefit of the appreciation, and the siblings paying off the mortgage get th...
by Saving$
Wed Mar 10, 2021 7:47 pm
Forum: Personal Investments
Topic: Overcontributed to 401k - Looking for some advice moving forward
Replies: 8
Views: 821

Re: Overcontributed to 401k - Looking for some advice moving forward

I'm by no means an expert on this, but if a plan tests and determines the highly compensated individuals over contributed, don't they just return the funds, and you pay the taxes on those just as if you had never contributed to a 401K? I don't think there is a penalty involved. Maybe those who know ...
by Saving$
Sat Mar 06, 2021 2:24 am
Forum: Personal Consumer Issues
Topic: How long should I wait to dispose of incorrect shipment?
Replies: 6
Views: 983

Re: How long should I wait to dispose of incorrect shipment?

Doing some remodeling on a recently purchased home. Ordered two identical items from the only online supplier I could find at a cost north of $300 each. Shipping was a little more than the cost of one of the items and I purchased damage insurance as I viewed the items as easily damaged. Order arriv...
by Saving$
Sat Mar 06, 2021 2:21 am
Forum: Personal Consumer Issues
Topic: Calling All Floor Experts
Replies: 24
Views: 2336

Re: Calling All Floor Experts

You have two separate issues: 1. Humidity You need to figure out where that is coming from and attempt to resolve it. Is there a perimeter drain around your house? If so start there by cleaning that, cleaning gutters, etc. Get a moisture meter and stick it in the slab. - There are moisture barriers ...
by Saving$
Wed Mar 03, 2021 8:19 pm
Forum: Personal Consumer Issues
Topic: Anyone employ personal assistants? House managers?
Replies: 49
Views: 4213

Re: Anyone employ personal assistants? House managers?

A family I know employs a person who both does all/most of these tasks, and/or hires others to do them. This person shops, prepares dinner, carts the kids around as needed and manages the kids schedules/appointments. She also supervises the housecleaner, landscaper, car washer and anyone else coming...
by Saving$
Wed Mar 03, 2021 12:09 am
Forum: Personal Consumer Issues
Topic: 1987 Carrier HVAC. Replace or fix?
Replies: 57
Views: 3461

Re: 1987 Carrier HVAC. Replace or fix?

Guys, I have a 34 year old HVAC system. It has been giving me some issues lately which requiring occasional power cycling (maybe 3x a week). I called a technician and he suggested that while he could fix it for a few hundred dollars, I should be replacing both the HVAC system and the air conditione...
by Saving$
Tue Mar 02, 2021 11:37 pm
Forum: Personal Finance (Not Investing)
Topic: Alliant Credit Union Financial Performance Report - does it look ok?
Replies: 25
Views: 1354

Re: Alliant Credit Union Financial Performance Report - does it look ok?

Have had accounts (savings, checking) at Alliant for nearly 10 years now. They used to be a recommended HSA custodian, which is why we joined. Unfortunately they got out of that "business", but we have no complaints and have had no issues with them. Not the OP, but I'm wondering about the...
by Saving$
Mon Feb 22, 2021 12:36 am
Forum: Personal Finance (Not Investing)
Topic: New home construction and possible settlement?
Replies: 18
Views: 1674

Re: New home construction and possible settlement?

What I did not see in your post if whether or not you prefer this house, or prefer a different house? What I did not see in your post if regarding timing - do you prefer a house you can get now, or is time not an issue? If you prefer this house, and time is not an issue, just wait them out and if w...
by Saving$
Sun Feb 21, 2021 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: New home construction and possible settlement?
Replies: 18
Views: 1674

Re: New home construction and possible settlement?

What I did not see in your post if whether or not you prefer this house, or prefer a different house? What I did not see in your post if regarding timing - do you prefer a house you can get now, or is time not an issue? If you prefer this house, and time is not an issue, just wait them out and if w...
by Saving$
Sun Feb 21, 2021 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: New home construction and possible settlement?
Replies: 18
Views: 1674

Re: New home construction and possible settlement?

What I did not see in your post if whether or not you prefer this house, or prefer a different house? What I did not see in your post if regarding timing - do you prefer a house you can get now, or is time not an issue? If you prefer this house, and time is not an issue, just wait them out and if wh...
by Saving$
Sat Feb 20, 2021 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for input from construction professionals
Replies: 9
Views: 1341

Re: Looking for input from construction professionals

Californiastate: I had no intention of down playing how difficult it might be, that's the main reservation I have, knowing it will take several years of hard work and long hours to get it going and we could be a major recession/depression away from it being all for nothing. I'm far from netting 200...