Consumer Reports create the perfect kitchen
oasisowner
8 years ago
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8 years agoDiana Bier Interiors, LLC
8 years agoRelated Discussions
Thoughts about the Consumer Reports detergent ratings....
Comments (19)Kappen: Nope I don't want rankings (nor do I really care how they were ranked by CR based on their broken tests) just brands so the above does not apply. I want brands to see if there are any I was unaware of. And therein lies the rub. A problem with just about every Consumer Reports test is that typically there are hundreds of brands, and often several variants within brands, and each variant and brand has its own strengths and weaknesses and directions to follow for most effective use. Consumers Union cannot possibly test them all, and therefore must test only a select portion. CU's filter criteria most commonly are the rather arbitrary duet of sales figures (where available) -- to test the most prevalent brands -- and whether the products are readily available in southern Connecticut where CU is located. Occasionally, CU will wander off the reservation to test a regionally distributed product that is not found on Greenwich or Cos Cob supermarket shelves, but such instances are rare. Moreover, if the purpose is to run standardized tests, then, a priori, any special use instructions for individual products must be ignored. Over many years, we have used just about every variant of Tide, and had no complaints. But for the past decade or so, we have used Biokleen All-Temperature Liquid (which is the version free of enzymes), with a scoop (about 1/3 cup) of Borax added to each load. Our clothes never have been washed cleaner, and we never have had any odor problem whatsoever with our front-loading washers. But the November 2011 issue of Consumer Reports, where the results of tests of laundry detergents were published, did not include tests of Biokleen, and did not test the effect of adding borax to a wash load....See MoreDon't Prepay Your Mortgage [Consumer Reports]
Comments (100)Hi Tom, (JUST jabbing ya! Everyone calls me Dan, Don... whatever... ;~) I read from the very top of this thread when I stumbled upon it via a Google search on 'Prepay vs Refi'. Google is sweet, no? Very emotionally charged this thread; must have spent a good 2-3 hours trying to understand the postings. I was totally against your argument (angry even) in the beginning but eventually came around to understanding what you are trying to explainthe basic economic concept of maximizing your utility. I *LOVE* seeing that kind of epiphany happening!!! We are currently in the 7th year of a 30-year fixed mortgage at 5.75%. Side Note; REALIZE that the year # is meaningless except for how it affects the weight of your amortization burdens. The further you go, the heavier the weight on your payments against your liquidity. You can *ALWAYS* stroke a check, at any moment, to eliminate as much of your leverage as you can afford. Of course... trying to do so BEFORE you can actually aford it (like the people who constantly shave away their safety cash with extra monthly principal surrender payments) is simply dangerous & cash-foolish. Even though we could have originally afford a 15 year mortgage, we choose to have the leverage of lowered monthly payments so that we can 1) invest the additional money or 2) be financially stable should one of us looses a job. Through budget tightening, we now have an extra $400 a month to invest. That is both smart, and responsible! I took about a 50% hit on my various investments last year (401k, VUL, IRA) and this quarter does not look to promising either so I am somewhat skeptical on when the market might rebound. OUCH! I would strongly suggest getting OUT of investments that are still open to downside losses, if you cannot aford to lose your principal. Your 401(k)* and traditional IRA (especially after the market collapses) can be rolled on a tax-efficient basis into a ROTH IRA (or similar) and then engaged in fixed-indexed instruments (income or growth annuities) that catch any annual upsides to the stock markets, lock in the gains against any future losses, and guarantee your principal against any stock market downsides. That VUL can be tax-free 1035 exchanged to a fixed-indexed universal contract that will provide the same (or better) upsides, with guarantees against any losses to the downsides. NOW is DEFINITELY the time to stop the losses and get in a position to take advantage of volatility (riding the up-waves, and then locking int the gains with guarantees against downside losses on the down-waves.) With this skepticism in mind and the fact that I hate my mortgage company for what they did to us post-Hurricane Ike, we are thinking that the additional $400 monthly towards the mortgage might be a better way to go for now. We like to think of it as our very own personal refinancing plan. Same results but no ridiculous closing fees and the flexibility to resort back to a lowered payment should one of us looses a job. With interest rates so low, we even thought about refinancing the other way to get another 30-year mortgage at 4.50% but still adding all the extra money towards the principle. Fees and recouping time steered us away. I'd suggest you were either miscalculating, or analyzing from a misperception. Depending on the size of your home value, re-balancing your leverage from 5.75% to 5% or lower, and moving as much of your real estate equity OUT of the house and into tax-free principal-guaranteed growth vehicles with stock-index upside (at a 8-10% average) versus yoru tax-deductible sub-5% cost of leverage... its really far safer, conservative, and more responsible. Questions for owning the house outright: Why is house rich, cash poor so bad? Because "you can't eat real estate equity." As long as you can pay for your property tax and minimal utilities, you still have a roof over you head right? Doesn't really matter if you can't afford the rest of the common costs of survival during duress. Granted standards of living might be lowered, but it beats living in the streets. You can always sell it and rent an apartment. Hate to be an involuntary, desperate seller in the current real estate markets... and that's what you are suggesting as the "safety-upside" to your plan. Likewise for the imminent domain argument; some kind of compensation will be available for you. "Some kind" of compensation? Google "Kelo emminent domain" and see how reliable our government is in that regard. Do you really prefer to leave your family's financial security & safety in the hands of the courts? (And do you really think that in times of desperation you can wait it out & fund the litigation required?) As for Act of God, insurance should compensate; Tell that to the H. Katrina people... the ones who got stiffed while various insurance companies played games of "chicken" through the court systems to see whether the damages to be covered were caused by wind-driven rain, or wind-driven floods (yeah... like it mattered!) And the entire time NO checks were issued... Tell that to the California earthquake victims who's homes were destroyed by the indirect consequences, and not by the earthquakes themselves. Insurance is the "contractual rental of other people's safety reserves." It can never effectively cover the safety you can give yourself by using your OWN reserves instead of someone else's (at their own rules of engagement.) or worse case scenario, you can pitch a tent on YOUR land. And feed yourself with what? Using what sewage systems? Getting water, heat & power where? Cash reserves means you can take your family to safety, WHEREVER that may actually be. Questions for carrying a mortgage and leveraging for as long as possible: As morally repugnant as a previous user put it, you still can walk away from your mortgage should you be upside down and keep all your liquidity, right? The answer is; It depends on your state's laws. Some states say purchase money loans are non-recourse, but refinance loans are not (i.e. California,) while other states say that purchase loans ARE recourse, and equity refinancing is not (i.e. Texas.) Homestead laws are various among different states as well. CASH is the ultimate law... "the golden rule" remember. The only things you would loose are your equity and credit (and dignity). Just chalk up the interest as rent paid for your time at the house (OR you can try to take advantage of the current Administration bailout policies J LOL). Seriously, should you walk, can the bank go after your liquidity in this situation? Im not familiar with bankruptcy and foreclosure rules and their ramifications. I always thought that walking away is one of the leverage I have for a prolonged mortgage. See above. Also, an assumption that I always have is that all debts under my name would go with me to the grave should I die and my wife gets to keep the liquidity. Am I correct or does my wife have to shoulder the financial burden (life insurance aside) eventhough her name is not on any of the debts? It depends on how you have planned & structured your estate. NOT to be taken lightly... a seperate conversation than cash/liquidity... but super-critical nonetheless. Cheers, Dave Donhoff Leverage Planner...See MoreConsumer Reports and Cabinets
Comments (30)I'm in the process of updating our island and for budget reasons we went with Thomasville. I only need 3 cabinets- a trash cabinet, a standard single door cabinet and a 3 drawer pot/pan base. Well the finish was awful. It's a stain finish and it was as if they didn't fully cover the top edge of the drawers and there was something stuck in the clear coat finish on the finished end panel. There was a chip out of the bottom of one drawer and some kind of scratch on another one. We called home depot and they are ordering a new drawer base so that's another 3 week wait time and delay in our project. I hope the next one is acceptable. After we got home and I inspected things further and I thought even the trash bin finish could have been more uniform on the top edge of the pull out, but then I feel like I'm getting picky so I'm accepting it. Fingers crossed it was a fluke....See MoreConsumer reports--silgranit
Comments (43)Hi Wallycat! I personally don't have a silgranit - just not my preference - but I would take anything written in consumer reports with a grain of salt. The "tests" they do are outdated and the reviews aren't very scientific. They are given by a small group of consumers, not a lab and not everybody who has purchased the item for a fair review. As we know, more people will give a negative review than a favorable one. If you like the silgranit, then get it. They have a long fabulous warranty and a lot of people on this site seem to love them. As an FYI - consumer reports also recommends a model of Chevy over a model of Honda and if that isn't the wackiest thing I've heard, I don't know what is!! Good luck!...See MoreNothing Left to Say
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