Search found 2191 matches

by Saving$
Fri Jul 30, 2021 9:54 pm
Forum: Personal Consumer Issues
Topic: Battery powered lawn mower recommendation
Replies: 90
Views: 4881

Re: Battery powered lawn mower recommendation

Thanks guys. After having reviewed your feedback, I decided to pick a traditional gas-powered Honda. Uncle has a Honda mower he loves and they generally make great products - great choice. It it is not too late, I'll throw in another vote for an Ego. Terrific mower. Would NEVER go back to gas anyth...
by Saving$
Fri Jul 30, 2021 9:45 pm
Forum: Personal Consumer Issues
Topic: Haier Appliances- Your Thoughts?
Replies: 13
Views: 1113

Re: Haier Appliances- Your Thoughts?

That is a 15 cf refrigerator which is on the small side. It is counter depth which makes is even smaller. This is an ideal size for some applications. It is expected to use 448 kwh/year, or 29.86 kwh/cf You wrote that you have 30" of space. If you have even 30.1" of width, and don't need t...
by Saving$
Fri Jul 30, 2021 9:18 pm
Forum: Personal Consumer Issues
Topic: Home security - what do you do? Wyze Security System?
Replies: 25
Views: 1887

Re: Home security - what do you do? Wyze Security System?

It is not popular here, but if you want a high quality functional system that is easy to install with and without options for central station monitoring, I suggest the alarm.com based systems. I use a company that is 100% online called suretyhome.com and I use the Qolsys IQ panel. It is totally wir...
by Saving$
Fri Jul 23, 2021 2:38 am
Forum: Personal Finance (Not Investing)
Topic: Is title insurance needed for new construction townhome in NJ purchased for cash (no mortgage)
Replies: 74
Views: 5192

Re: Is title insurance needed for new construction townhome in NJ purchased for cash (no mortgage)

Get another quote. >$4k for title insurance seems very high Clark Howard's site has a link to this company that sells the title insurance direct to the buyer: https://www.titleforward.com/ Basic policy came back at $4,425 and enhanced policy at $5,310 using the link above. The problem is it is an e...
by Saving$
Fri Jul 23, 2021 2:34 am
Forum: Personal Finance (Not Investing)
Topic: Strategies for making offers on home
Replies: 61
Views: 4403

Re: Strategies for making offers on home

So apparently we're one of the top three in the running and supposedly will be receiving a multiple counteroffer shortly... this could get ugly. Maybe the skeptic in me, but I tend not to believe these types of hyped up scenarios. Just offer what you think is fair, and what you would be willing to ...
by Saving$
Sat Jul 17, 2021 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: Is title insurance needed for new construction townhome in NJ purchased for cash (no mortgage)
Replies: 74
Views: 5192

Re: Is title insurance needed for new construction townhome in NJ purchased for cash (no mortgage)

Get another quote. >$4k for title insurance seems very high
Clark Howard's site has a link to this company that sells the title insurance direct to the buyer: https://www.titleforward.com/
by Saving$
Sat Jul 17, 2021 1:21 am
Forum: Personal Consumer Issues
Topic: Adjustable 2/3 lamp dusk-dawn LED floodlight?
Replies: 25
Views: 1688

Re: Adjustable 2/3 lamp dusk-dawn LED floodlight?

I did look at the Leviton VPT24-1PZ Vizia 24-Hour Programmable Indoor Timer with Astronomical Clock. Product description says no battery, but don't see how that's possible when time/dusk/dawn settings are retained. Reviews don't agree regarding whether there's a battery. The big issue with this or ...
by Saving$
Sat Jul 17, 2021 12:49 am
Forum: Personal Consumer Issues
Topic: Battery Powered Lawn Mowers
Replies: 60
Views: 6101

Re: Battery Powered Lawn Mowers

If the neighbor has a mulching blade installed - why not just loose the bagger and mulch it? Bagging is just a scam invented to sell more Scotts 4 step. Mulching is not just easier, its better for the lawn and lets you reduce the amount of fertilizer used. I would really like to believe this. I let...
by Saving$
Mon Jul 12, 2021 10:18 pm
Forum: Personal Consumer Issues
Topic: Wifi to Ethernet connection?
Replies: 23
Views: 1975

Wifi to Ethernet connection?

What is the easiest and most cost effective way of going about converting a neighbors wifi signal (with neighbors permission) into Ethernet to connect a security system I already have. This will be temporary. There is a strong wifi signal from the neighbors in most of my house, including the securit...
by Saving$
Sat Jul 10, 2021 10:51 am
Forum: Personal Consumer Issues
Topic: Buying a new house vs. homeschool in current house
Replies: 34
Views: 3293

Re: Buying a new house vs. homeschool in current house

Private school probably should have been listed as option D, but I think we don't have many of them here either, and the few that exists seem to be oriented for other aspects (e.g. religion, lifting minority students up to state standards etc). We are looking for academically challenging environmen...
by Saving$
Sat Jul 10, 2021 12:50 am
Forum: Personal Consumer Issues
Topic: How to save [on] water bill?
Replies: 49
Views: 3386

Re: How to save water bill?

What type of lawn do you have?
Watering every other day seems excessive. Idaho seems like Fescue would be the predominant turf. Water it once a week and cut it high. It will stay green and be fine.
by Saving$
Sat Jul 10, 2021 12:33 am
Forum: Personal Consumer Issues
Topic: Buying a new house vs. homeschool in current house
Replies: 34
Views: 3293

Re: Buying a new house vs. homeschool in current house

You don't say how many kids you have, but you did refer to them in the plural, so let's go with two or three. You are considering moving to a different school district which will result in a $500k mortgage. Even though rates are really low right now, they are not 0, so presumably there is interest a...
by Saving$
Tue Jul 06, 2021 5:59 pm
Forum: Personal Consumer Issues
Topic: E-bay "Best Offer"?
Replies: 32
Views: 2726

Re: E-bay "Best Offer"?

eBay is an efficient, but not perfectly efficient, marketplace. Just like every marketplace. The seller you dealt with is a human being - perhaps he/she was upset at your earlier low offers and wrote you off as a buyer no matter what the price, or - more likely - they thought they "missed"...
by Saving$
Tue Jul 06, 2021 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: Pulled the plug on custom home build
Replies: 19
Views: 2604

Re: Pulled the plug on custom home build

Enjoy your cottage and wait out this cycle until home construction takes a dive again. Construction costs are astronomical. All materials costs have increased - this is due to increased demand, decreased supply due to just in time supply chains and when a tiny fraction of the chain breaks, the entir...
by Saving$
Mon Jul 05, 2021 7:57 pm
Forum: Personal Consumer Issues
Topic: E-bay "Best Offer"?
Replies: 32
Views: 2726

Re: E-bay "Best Offer"?

eBay is an efficient, but not perfectly efficient, marketplace. Just like every marketplace. The seller you dealt with is a human being - perhaps he/she was upset at your earlier low offers and wrote you off as a buyer no matter what the price, or - more likely - they thought they "missed"...
by Saving$
Sun Jul 04, 2021 9:31 pm
Forum: Personal Consumer Issues
Topic: E-bay "Best Offer"?
Replies: 32
Views: 2726

Re: E-bay "Best Offer"?

Sounds like the seller got greedy and it bit them. Once an offer is declined, they can't "un-decline" it. And without a transaction, there's no way to contact another ebay user as far as I know, so they couldn't reach out to you even if they wanted to. Sure there is. Can you elaborate? Th...
by Saving$
Sun Jul 04, 2021 9:19 pm
Forum: Personal Consumer Issues
Topic: Any Pro tips to help with Decluttering?
Replies: 104
Views: 11636

Re: Any Pro tips to help with Decluttering?

Force yourself to move. If you are not moving to another house, force yourself to switch closets, move everything about, etc. For things you cant move, take everything out of kitchen cabinets and drawers, and put in boxes. You don't have to pack the boxes. Then clean the cabinets (or reline them or ...
by Saving$
Sun Jul 04, 2021 6:10 pm
Forum: Personal Consumer Issues
Topic: E-bay "Best Offer"?
Replies: 32
Views: 2726

E-bay "Best Offer"?

I made an offer on an ebay item listed as "Best Offer." Seller turned down my offer, I raised bid, seller countered, and I raised again. Seller did not respond. Then seller lowered their "Buy it now" price, which was still a few dollars higher than I had offered. Now I get an ema...
by Saving$
Sun Jul 04, 2021 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: Dad wants Wife to live in house left to me and sister after he passes
Replies: 179
Views: 20412

Re: Dad wants Wife to live in house left to me and sister after he passes

Dad's goal: Current wife can live there as long as she wants, current wife's kid does not get any benefit, and dad's kids get some proceeds. OP's goal: Support dad's goals but not have a long term commitment to "stepmother" and facilitate sister getting inheritance. Facts: 1. Law in dad's ...
by Saving$
Fri Jun 18, 2021 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: Dad wants Wife to live in house left to me and sister after he passes
Replies: 179
Views: 20412

Re: Dad wants Wife to live in house left to me and sister after he passes

Your dad is trying to protect his wife from the shenanigan's of her own son. However, the reality is, the son can't get anything the wife does not give him. So your dad real issue is his wife's decisions. He does not like them. But he can't rule her decisions from the grave. And they are her wishes ...
by Saving$
Wed Jun 16, 2021 9:03 pm
Forum: Personal Consumer Issues
Topic: Window shade recommendation on top down/bottom up motorized
Replies: 7
Views: 985

Re: Window shade recommendation on top down/bottom up motorized

HD doesn't make blinds. Most retailers and online sites don't make blinds. HD owns Blinds.com and other online companies, who sell brands and private label. Most blinds are made by Hunter Douglas-owned companies, which include Levolor, Comfortex, Alta, M&B... Graber is owned by Springs Window F...
by Saving$
Wed Jun 16, 2021 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: How taxes figure into withdrawal rate
Replies: 14
Views: 1812

Re: How taxes figure into withdrawal rate

4. Ensure I can procure decent health insurance from retirement to 65 preferably at a good rate, but even more importantly, just procuring decent coverage at any rate. I live in a state where the ACA plans are high cost, poor quality with limited networks. Last I checked almost every plan offered w...
by Saving$
Tue Jun 15, 2021 1:35 am
Forum: Personal Consumer Issues
Topic: Window shade recommendation on top down/bottom up motorized
Replies: 7
Views: 985

Window shade recommendation on top down/bottom up motorized

It seems several companies are now selling top down/bottom up motorized shades. Have any Bogleheads had any experience with these particular type of shades, and if so, which brands? Any recommendations or suggestions? Google indicates the top down/bottom up motorized are available from: - Comfortex ...
by Saving$
Tue Jun 15, 2021 12:29 am
Forum: Personal Investments
Topic: Should I sell my investment property?
Replies: 16
Views: 1550

Re: Should I sell my investment property?

1. Aggressively deal with squatter. 2. You wrote it is worth $1m and you have $200k mortgage. So if you had $800k to invest would you chose to use is to buy this property? If no, sell. 3. Now that you have owned rental property, do you like being a LL? Do you have significant capital gains? Are you ...
by Saving$
Tue Jun 15, 2021 12:24 am
Forum: Personal Finance (Not Investing)
Topic: How taxes figure into withdrawal rate
Replies: 14
Views: 1812

Re: How taxes figure into withdrawal rate

OP, 1) What is your annual expense excluding the taxes? 50K to 60K range? Above 100K? 2) Do you need ACA insurance? Aka, you need ACA insurance subsidy? Then, you need to control your MAGI below 4 X FPL for ACA insurance subsidy. 3) How much taxes would you like to pay? Aka, how big is your tax-def...
by Saving$
Mon Jun 14, 2021 11:37 pm
Forum: Personal Finance (Not Investing)
Topic: How taxes figure into withdrawal rate
Replies: 14
Views: 1812

Re: How taxes figure into withdrawal rate

You need to discount the traditional accounts to account for the fact that taxes will be paid upon withdrawal. Same with taxable accounts with large cap gains. So, b to answer your question directly. Is there a recommended formula for this? I'm thinking a start may be: Net worth = (Traditional IRA/...
by Saving$
Mon Jun 14, 2021 10:45 pm
Forum: Personal Finance (Not Investing)
Topic: How taxes figure into withdrawal rate
Replies: 14
Views: 1812

Re: How taxes figure into withdrawal rate

You need to discount the traditional accounts to account for the fact that taxes will be paid upon withdrawal. Same with taxable accounts with large cap gains. So, b to answer your question directly. Is there a recommended formula for this? I'm thinking a start may be: Net worth = (Traditional IRA/...
by Saving$
Mon Jun 14, 2021 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: How taxes figure into withdrawal rate
Replies: 14
Views: 1812

How taxes figure into withdrawal rate

I'm trying to figure out how to calculate an estimated withdrawal rate for retirement, specifically, how to account for an uneven withdrawal rate. In the first few years, I will convert pretax 401k's to Roths, thereby significantly bumping up the federal & state income taxes and thus withdrawing...
by Saving$
Sun Jun 13, 2021 10:04 pm
Forum: Personal Consumer Issues
Topic: Exercise during visit to Manhattan
Replies: 49
Views: 4186

Re: Exercise during visit to Manhattan

Wrapping up a great trip! I did a lot of biking. Those Citi bikes ended up being free to me thanks to a credit card arrangement. So I rode all over Manhattan and Brooklyn. The Hudson River Trail is great! Central Park too of course. TImes square by bike is much better than on foot. Brooklyn Botanic...
by Saving$
Fri Jun 11, 2021 6:41 pm
Forum: Personal Consumer Issues
Topic: Dryer Vent Question
Replies: 30
Views: 2830

Re: Dryer Vent Question

:sharebeer Have a handyman install a vent cap with a magnetic flap. something like this https://dryerwallvent.com/ Timely post because I have been looking at getting this exact product for my dryer vent. Interested in one that seals tight to reduce air from backdrafting back into the house, and sett...
by Saving$
Fri Jun 11, 2021 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: HVAC / Landlord
Replies: 55
Views: 3735

Re: HVAC / Landlord

a properly-sized AC should be able to drop the indoor temperature by ~20 degrees (assuming proper insulation and ducting). Agreed, but I would add "in an environment that is properly air sealed" Your landlord just does not want to pay for the system upgrade, i.e. larger unit. Totally disa...
by Saving$
Sat Jun 05, 2021 10:01 pm
Forum: Personal Consumer Issues
Topic: Attic fans not working
Replies: 42
Views: 3282

Re: Attic fans not working

For what it's worth, they often don't last very long. I had 2 replacements some years ago with a new roof and within 3-4 years both stopped working. Also, for what it's worth, there's a school of thought that electric attic fans do more harm than good. https://www.energyvanguard.com/blog/power-atti...
by Saving$
Sat Jun 05, 2021 9:58 pm
Forum: Personal Consumer Issues
Topic: Dryer Vent Question
Replies: 30
Views: 2830

Re: Dryer Vent Question

Have a handyman install a vent cap with a magnetic flap. something like this https://dryerwallvent.com/ Timely post because I have been looking at getting this exact product for my dryer vent. Interested in one that seals tight to reduce air from backdrafting back into the house, and settled on the...
by Saving$
Wed Jun 02, 2021 9:42 pm
Forum: Personal Investments
Topic: Loser at 55???
Replies: 41
Views: 8463

Re: Loser at 55???

1. Not a loser - you are doing well 2. DO NOT roll your previous employer 401k over to a Fidelity IRA. Look into rolling it to your CURRENT employers 401k. Then consider moving your taxable IRA to a Roth and taking the tax bite. Doing this will free you of Taxable IRAs and allow you to do a Backdoor...
by Saving$
Fri May 28, 2021 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: Have a really hard time quitting
Replies: 157
Views: 23721

Re: Have a really hard time quitting

Your mindset on resources was influenced by scarcity. Reasonable enough. You promised yourself that as an adult you would have sufficient resources. The resource that was scarce for you growing up was money. Money is no longer a scarce resource in your life. Even if the market crashes and you have h...
by Saving$
Fri May 28, 2021 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Night Before Red Flag Check
Replies: 63
Views: 11423

Re: Night Before Red Flag Check

Your post says very little about lifestyle except that you can currently walk to the farmers market, and you anticipate a 35 minute commute from the new place. All of this depends upon your personal preferences, but I'd do a hard pass on this. - You are not really saving that much money renting vs b...
by Saving$
Tue May 18, 2021 7:54 pm
Forum: Personal Consumer Issues
Topic: Sodastream Fill-Bottles: How Often to Replace?
Replies: 3
Views: 583

Re: Sodastream Fill-Bottles: How Often to Replace?

I am wondering the same thing. Mine expired 10/2020 but still using them. Mine have only ever had water in them - don't use any of the flavorings.
by Saving$
Sun May 16, 2021 6:58 pm
Forum: Personal Consumer Issues
Topic: Junk removal companies?
Replies: 42
Views: 3732

Re: Junk removal companies?

I cleaned out a house that contained what I thought was junk. First order of business was to ID a local recycling place. Made quite a dent bringing items there. Second was an auction to sell the content of the house. This was interesting - for example, they rearranged all the kitchen drawer, and the...
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: 6815

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: 2993

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: 1605

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: 1531

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: 1531

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: 2935

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: 1531

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: 4069

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: 2935

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: 2935

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: 2935

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: 2935

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.