What is a good H.E.R.S. Score?
iamweasel
10 years ago
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LuAnn_in_PA
10 years agoiamweasel
10 years agoRelated Discussions
score! score! score!!!
Comments (5)Oh Jean, you're right, I didn't say about the Asiatics, did I? :) I didn't get any. Didn't like any they had and just as Rita said, they were too expensive. Thought I could do better online. I really would have thought this place would have their dls WAY overpriced (like everything else there), but most of the stuff I got was $7!!! The most I paid was $15 (for Ed Brown and Big Smile). That's why I went a little beserk, I guess. :) Rita, yes, my plans just did expand a little. LOL These will all be together in a new area that wasn't going to be dls, but hey, I'm flexible. :D...See MoreGoodWill Haunting Score!!
Comments (10)Karen, I saw those plates on Ebay last year and really wanted some, but they were too much $$. So when I saw them on the shelf at Good Will, I had them in my cart in a nano-second!!! I couldn't believe that they were all 4 in the box and not broken or chipped or anything, You bet I was doing the Happy Dance!! Then when I found the hat plates, I was even happier because I had tried to find more last year, and couldn't. Oh Yeah, happy dance, happy dance!! Jeanne, glad the siding is done and you found some goodies too!! The carriage lights started out with the pumpkins, then last year I added the hats, and now the bows seem to make them complete. Jane, the center of the plates are the same, but the borders are 4 different ones. How ironic that we both found the same set, but you got the added bonus of the extra plate! Karen, that is one of the drawbacks for me to Ebay as the shipping often makes things too expensive. I was very excited over the price too!! Kath, have fun at the sale. I'll be on the golf course although I pretty well spent my allowance already for this week, LOL DG, that is where I saw them first and was totally turned off by the price. But, $4.24 is definitely in my range. Nana, I will be using the witch hat plates on my Witch's party tablescape. Punk, I always enjoy seeing everyone else's decorations too. Relax and enjoy. Kathleen, You always have such cute things from CTS, so I was pretty happy to find these!! Not quite as good as your CTS prices, but pretty good, LOL Thanks everybody, Candy...See MoreCredit report madness!!! Score might not be good afterall.
Comments (10)Hi breenthumb, Rumour has it that there are other insurance companies. Granted, there are fewer than there used to be, as they, like most corporations, hate competition on their own level and will go to great lengths to get rid of competitors. Some time ago I had a personal tax-deferred retirement account with a stockbrokerage, which had incurred no administration cost for years, as it had been grandfathered that way when that company took over another company. When I came to the age where I had to reverse it from an account into which I paid in, into one into which I could no longer pay in, but must withdraw a certain percentage annually, which increases from about 7% at age 71 to 20% at age 90 and beyond, a problem arose. They said that there would be an annual administration fee, and my claim that it was a continuation/reversal of a fee-free account that I'd had with them for years fell on quite deaf ears. So ... I did some checking with some other agencies, and came back to report that, since such and such a company and so and so company would agree to carry my account without an administration fee, I was considereing transferring my account ... they seemed to have a change of heart, for it appeared that they, too, could carry that account without an admin. fee. Which they've done for about 10 years, now: nice to have a little skill and effort save one well over $1,000., on occasion, right? I didn't feel it necessary to include in my report the fact that I would be somewhat less inclined to use the other companies than the one that I had been with for years ... as Grandma used to say, "One should tell the truth ... but there's no reason that one should blab and tell all that one knows". So ... ... if you don't, or haven't owed money for several recent years in several locations/circumstances ... ... they figure that your trustworthiness is suspect, do they? As I've lived in over 20 locations in my 79 years (as I discovered when they asked over on KT in how many places one had lived), I've never owned a home ... ... so never had a mortgage. As I live fairly frugally, I've had few loans. Which situation is aided by the fact that I tend to buy old cars and drive them into the ground, which usually takes 5 - 7 years ... which enables me to buy them for cash (having added a bit to emergency funds from time to time, and drawing on it to make those smallish purchases). When I have substantial debt and must pay quite a lot of interest every month, it seems to me that, since much of our debt is usually non-deductible, if I have to pay $100. monthly in interest, and make $10.00 per hour, after-tax income ... that means that I work 10 hours/month for someone else, the holder of my loan(s). I'd rather wait until I can afford to pay cash ... and pay myself, instead. Learning how money works is an interesting hobby ... that pays well ... and I hope that you're developing increasing shrewdness at managiong your income and assets effectively: to benefit you rather than the other guys (with the exception of worthy charities). Hope you're part way into a happy weekend. One nice thing about retirement is ... that every day is weekend. A nice benefit of learning skillful management of money may well be/quite likely will be ... early retirement (at your choice, not because your company downsizes when you're about 50 ... leaving you out in the cold). ole joyful P.S. I could qualify, as I've had a Line of Credit, usually unused, for about 10 years, and have had a credit (actually "debt") card for several years, which I use infrequently. I recently took on another, which offered 1.9% on transferred balances for most of this year, figuring that I'd buy some stock using the original card, then transfer the balance, as the bank, which had usually charged me bank prime on my loans (fully secured), they recently said that prime was 3.5% ... but they needed a 1.5% surcharge, to total 5%. Now, however, they say that the interest on my Line of Credit will be 2.25% ... so I'll take that, instead of jockeying on credit cards - not a good idea to shift from one horse to another while crossing a stream, I figure. Most cards charge full rate (often 18% on mainline cards: 28% or so on store-issued cards) from the date of the advance until it is paid in full, and I'd not be sure how long it would take to transfer to the second card. o j...See MoreScore! Score! 27 old windows! Wheee!
Comments (13)Mmm moccasin, I bet it's just gorgeous! If you have any dormers with these windows, I'd love to see some examples. Ours (set of dormer windows) were ripped out to put in one big '70's picture window, making the bungalow a little monocular. Inox: yes, we are both equipped with fitted masks, the expensive kind, from when we were stripping all the interior molding and trim. I'll make sure to get whatever filter cartridges are advised for lead particulate. We'll be using a Festool sander with a Fein HEPA vacuum attached. I'd slog in bare-fisted, of course, but thankfully my guy puts the brakes on fast and is very Howard Hughes in his attention to cleaning detail. My big hurdle will be convincing him that it's OK to paint the exterior sash dark copper-orange to match some of the house trim. We shall see....See Moreenergy_rater_la
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