Supplements: Friend's Recommendation Proved to be a Disaster
6 years ago
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Disaster with Gas Company
Comments (8)I do agree with the other folks that it'll probably cost you just as much, if not more, to replace all your appliances and have the necessary electrical rewiring done: water heaters, furnaces, dryers and stoves are very high-drain items and you probably don't have the wiring there already... daaaaaaamn does that add up, especially if you need the panel expanded. Just upgrading a panel from 100amp to 200amp can run you $1500-2000! (That's on our to-do list, yuck-o.) Electric heat really, really blows big hairy wet dog IME except as supplemental heating. We now have oil heat and electric appliances and MAN do I miss my natural gas everything because it was all so much cheaper to run, even with a house a third bigger! Sadly, it would be something in the area of $25k to connect this house back up to the gas lines out in the street (since we'd have to tear up part of the street, which the city does NOT like)... not going to happen unless we win the lottery. A good gas stove will keep chugging along for a long time as long as you keep it cleaned and properly adjusted. Ditto for a natural gas dryer, which is generally a good bit cheaper to operate than an electric one - I actually see quite a few gas dryers go by on Freecycle and Craigslist as people get the fancy new sets, so if you want a replacement at minimum cost keep an eye out there. However, replacing a refrigerator that is more than 15 years old WILL lower your electric bill - tax credits are available for Energy Star models from many states, and many utility companies offer rebates (either cash or credit against your power bill). If you get a clearance or scratch-and-dent model, unless you go for mega bells and whistles, you probably won't have to spend much at all! A friend of mine recently got a nice fridge for about $250 after the rebates and credits because she accepted a discontinued model that had a great big scrape down the side - but it was the side that was going to face the wall so who cared? If the plumber is already there doing other work it will cost little more in labor to add hooking up a new water heater, which is probably a good thing to think about. You might even be able to get the WH itself at a good discount (like very close to wholesale) through the plumber if you're giving him a nice big job like repiping a house, and the gas company may offer credits or rebates as well. Our plumber is also fairly unimpressed with the tankless water heaters at this point. One thing he and I both find rather bothersome, rarely mentioned by the rah-rah sorts, is the many gallons of water that go down the drain while you're waiting for the hot water to get going - it's just not very practical to have buckets everywhere to catch all that cold and lukewarm water before it's wasted. Depending on the model and where the unit is located in relation to the points of use, it can take up to two minutes to get hot-enough water, so if you're waiting for your shower that's 5 gallons wasted with a standard 2.5gpm shower - over 1800 gallons per person per year. Potable water is precious stuff!...See MoreHow to prove cost of house -- future tax when selling
Comments (19)" you don't need to get them into presentable order unless you are audited." You are correct. For annual returns that's something accountants tell stories about over drinks after work. "What's the biggest mess anyone dumped on your desk today?" Accountants are accustomed to seeing records in shoe boxes. That's how i did it every year til he so kindly pointed out what my time was worth compared to his. January first my records might be anywhere between desk,shoe boxes,glove compartment to bedside stand. Before I turn them over to the accountant I've organized them in files and transfered #s to spread sheets. In the case of say a rent house,I give him a single amount for repair and maintainance,depreciable purchases for each period,travel milage and so forth for items I'm certain go in that catagory. If I'm uncertain where the expense/income fit's,the actual reciept is attached to a sheet of paper with hand writen note(s) if nessary. Very few and sometimes no reciepts,checks and other documents ever go to accountant's office. Tax preparation fee dropped a bunch after I started that. That's not an audit but sure is good rehearsel in case one ever must be dealt with....See MoreSupplements for achy joints and muscles
Comments (70)I had shin splints once, terries. Wow, is that painful. Funny but I had them at the same time I was recovering from carpal tunnel surgery and everyone kept commiserating about my hand. My hand didn’t hurt at all but my shins were killing me. I actually got them from standing in too high heels on a stone patio for hours. Wish I’d known about turmeric then. Impressive that you do the Camino every year!...See MoreDisturbing news from friend (physical therapist) in Utah
Comments (78)My son-in-law is a pharmacist and he's well trained in the Medicare supplements-so you might suggest your friend speak with a pharmacist as well. Might be the easiest route given the craziness of things in the world these days. I'm not familiar with Utah, so I can't recommend other areas, but is it possible for him to find a PCP outside of his community? Especially since he's healthy and knows his own health, a drive might not be a bad idea if it makes it easier for him to find LGBTQ friendly providers. I'm sure there are providers in the state! As to not being allowed to wear PPE-I think that's been the case in a lot of places that have been slow on the uptick in dealing with the social distancing. The west coast primarily is on the forefront, I know in Oregon we're about a week behind California in the stay-at-home orders and school closures, etc. I noticed that many of the retailers that are open here are limiting the number of people who can enter the store, as well as installing sneeze guards at registers. Stores won't bag your groceries if you bring your own bags either. We even went from having gas station attendants to temporarily pumping our own gas, in order to limit exposure for those employees....See More- 6 years ago
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