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Re: Mouse in House

Poison doesn't not kill instantly. Often, the poisoned mouse will wander or stagger out into view only to be snatched up by a natural predator - such as an owl, hawk or cat - which will also be poisoned. Please don't use poison. Stick with the traps. Use gloves to pick up the dead trapped mouse, bag...
by PacNorWest
Sat Oct 05, 2013 10:22 am
 
Forum: Personal Consumer Issues
Topic: Mouse in House
Replies: 50
Views: 3269

Re: What Book Are You Currently Reading? Part V

Just finished "Flatland" by Edwin Abbott Abbott (1884) Considered a social satire it involves fictional characters that exist in two dimensions. The principal character is visited by a character from the third dimension. Flatland is moderately interesting. My take away is that the story is...
by PacNorWest
Sat Oct 05, 2013 10:02 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 2626
Views: 596572

Re: Rethinking 4% withdrawal article thoughts ?

. . .a retiree's nest egg should last a lifetime as long as they withdrawal 4 percent a year.


Gee. . .don't they even bother to read their content for grammatical error?
Sloppy work = sloppy thinking.
by PacNorWest
Wed Aug 07, 2013 3:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rethinking 4% withdrawal article thoughts ?
Replies: 37
Views: 2955

Re: Simple, High Quality Dishwasher?

We bought a "Blomberg" dishwasher for our home - it's amazingly quiet.
Like you, we use the basic feature to wash.
Currently, we're in a rental condo that has a Bosch dishwasher which looks amazingly like our Blomberg and runs even quieter!
I think the Blomberg is a knock-off of the Bosch.
by PacNorWest
Thu Jul 25, 2013 3:36 pm
 
Forum: Personal Consumer Issues
Topic: Simple, High Quality Dishwasher?
Replies: 25
Views: 1700

Re: Transferring property in Washington state

.....
by PacNorWest
Thu Jul 18, 2013 11:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Transferring property
Replies: 8
Views: 653

Re: Why not pay credit card bill as soon as it arrives?

I prefer to pay off credit card charges two or three times a month. That reduces the amount of revolving credit charge total - which in turn boosts my credit rating. Revolving CC amounts accounts for 30 percent of how your credit rating is figured. So yes, it will help your credit score if you pay o...
by PacNorWest
Fri Jul 12, 2013 12:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why not pay credit card bill as soon as it arrives?
Replies: 69
Views: 4886

Re: Rental property tax questions

Well, I think the OP question was more simplistic. And the answer is "NO". You cannot spend a bunch of money and then deduct that wad as a rental expense. You cannot expense it out on your first tax report. And then convert the "rental" to a second home - fixed up and furnished a...
by PacNorWest
Thu Jul 11, 2013 6:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rental property tax questions
Replies: 9
Views: 1229

Re: Rental property tax questions

.....
by PacNorWest
Thu Jul 11, 2013 12:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rental property tax questions
Replies: 9
Views: 1229

Re: [Poll] What's Your Current Mode of Camping?

This is going to be the most pretentious thing I think I have ever said (at least on this site): If you are camping in more than a tent, you are not camping. That is like calling it "boating" when you go on a cruise. I totally agree. But whatever it is that we're doing, I simply love it a...
by PacNorWest
Wed Jul 03, 2013 6:06 pm
 
Forum: Personal Consumer Issues
Topic: [Poll] What's Your Current Mode of Camping?
Replies: 93
Views: 6369

Re: Brokerage account empty, not closed

In a similar vein, we had a trust account with Vanguard through which passed our inheritance funds.
We zero'd out the balance and, like your situation, the fund sat empty. About five years passed before Vanguard quietly removed the account from my account list.
by PacNorWest
Tue Jul 02, 2013 10:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Brokerage account empty, not closed
Replies: 10
Views: 1276

Re: digital camera buying advice

I sense that you don't have time to read up on the topic very much. But if you do, then http://www.dpreview.com/ would be the place to get the information that you need. I think this might help you short cut to what you need. . .use the Amazon.com link at the top of this page. Search: Sony NEX-6L/B ...
by PacNorWest
Mon Jun 24, 2013 1:12 pm
 
Forum: Personal Consumer Issues
Topic: digital camera buying advice
Replies: 36
Views: 3314

Re: I love the smell of fear in the markets

Fear, especially irrational fear, is an emotion.
An emotional driven fear can be contagious with resultant panic stampede.
No, I don't like it. It's not good for anyone, anytime.
by PacNorWest
Mon Jun 24, 2013 12:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: I love the smell of fear in the markets
Replies: 34
Views: 4618

Re: Wanting to spend money all of a sudden

You tend to buy big fun things - that have one common thread.
They require your time.

You need an expensive fun thing that you can do in your backyard anytime that you're ready.
Try this:
http://www.youtube.com/watch?v=zvyJpuuwcas (Electric hover thing) Not cheap.
by PacNorWest
Tue Jun 18, 2013 8:21 pm
 
Forum: Personal Consumer Issues
Topic: Wanting to spend money all of a sudden
Replies: 76
Views: 5881

Re: to invest now or wait?

What should you do now? My advice: Since you just retired I'm assuming your investment horizon is long. So just go ahead and pull the trigger, get 100% invested per your plan, do this on Monday, then stay the course. The market will go up and down. Don't try to time it. If this prospect makes you t...
by PacNorWest
Wed May 22, 2013 11:14 am
 
Forum: Investing - Help with Personal Investments
Topic: to invest now or wait?
Replies: 27
Views: 3080

Re: Vanguard Precious Metals and Mining?

Current conditions seem to indicate that it might be a good time to "bet" on VPMM And the fund is down. . .you may have to hold it for a few months or years. I agree with you but I would wait awhile longer before placing that bet. If/when I read that Caterpillar is getting more orders then...
by PacNorWest
Fri May 17, 2013 10:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Precious Metals and Mining?
Replies: 20
Views: 1629

Re: Having a renter deposit rent directly at bank?

Here's a suggestion: Open a SECOND account at your regular bank for the rent deposit. Having the tenant deposit is fine, and probably fine even to deposit into your primary account. But if you open a second account, you can set up online banking where you can click the money into your main account ...
by PacNorWest
Wed May 08, 2013 12:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Having a renter deposit rent directly at bank?
Replies: 32
Views: 1777

Re: where to find home values

Zillow misses a lot of stuff - it didn't see "page 2" of my county assessors website - which in my case displays a second structure on the property with power, water & septic. That makes a BIG difference in price. Zillow also failed to see other known nearby property for sale. Best met...
by PacNorWest
Sun May 05, 2013 11:47 am
 
Forum: Personal Finance (Not Investing)
Topic: where to find home values
Replies: 11
Views: 1250

Re: best software for rental property

In any case, if you have $93k in capitalized improvements and that amount is all depreciated straight-line over 27.5 years that's only $3382 in annual depreciation, so your increased rental income may well exceed your increased deductions. You should make sure you considered the possibilities for s...
by PacNorWest
Sat May 04, 2013 9:17 am
 
Forum: Personal Finance (Not Investing)
Topic: best software for rental property
Replies: 8
Views: 1095

Re: Should we keep our house as a rental?

No. Tenants will trash your home. Even the best tenants will live like it's their place, not yours - and "living" expectations can vary widely. If you have a nice home and want to keep it that way AND rent it out, it will require that you visit it almost monthly to make inspections. A home...
by PacNorWest
Wed May 01, 2013 9:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Should we keep our house as a rental?
Replies: 23
Views: 1604

Re: Which Vanguard Funds are best for monthly income?

We need a little more monthly cash income. The money would be used to eat out once a week instead of ALWAYS eating at home. With 100K in Vanguard, what would be the best Vanguard funds to invest it in to produce a modest monthly income stream? Caveat #1; We'd like to know that the fund(s) could enj...
by PacNorWest
Mon Jan 14, 2013 9:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which Vanguard Funds are best for monthly income?
Replies: 23
Views: 5105

Re: Which Vanguard Funds are best for monthly income?

We need a little more monthly cash income. The money would be used to eat out once a week instead of ALWAYS eating at home. With 100K in Vanguard, what would be the best Vanguard funds to invest it in to produce a modest monthly income stream? Caveat #1; We'd like to know that the fund(s) could enj...
by PacNorWest
Sun Jan 13, 2013 2:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which Vanguard Funds are best for monthly income?
Replies: 23
Views: 5105

Re: The "Fiscal Cliff." What to do?

Firstly, thank you for the comments on the high earner pharmacist question. Second, I'm sorry for wandering off topic with that question. Staying the course for me. The time period just before the election was the high water mark for me and I was selling very small amounts going into the election. (...
by PacNorWest
Thu Dec 27, 2012 4:57 pm
 
Forum: Investing - Theory, News & General
Topic: The "Fiscal Cliff." What to do?
Replies: 76
Views: 3408

Re: The "Fiscal Cliff." What to do?

I spoke with the pharmacist this morning while picking up a script for liptor. The Liptor copay card for $4.00 isn't valid with Medicare. . .the cost was $15.00 (30 day supply) - so I asked about that and why. That led to another conversation about how he was going to cut back his hours when the new...
by PacNorWest
Thu Dec 27, 2012 2:29 pm
 
Forum: Investing - Theory, News & General
Topic: The "Fiscal Cliff." What to do?
Replies: 76
Views: 3408

Re: Superb Electric Blanket

Electric blankets are best when used on a timer to pre-heat the bed before getting in.
Turn them off while sleeping and rely on the down for continued comfort.
Life is good.
by PacNorWest
Mon Dec 17, 2012 10:19 pm
 
Forum: Personal Consumer Issues
Topic: Superb Electric Blanket
Replies: 16
Views: 1346

Re: Tell Me About Immediate Annuities

The high return percentage may well be simple interest - not compound interest.
Make sure that is clear.
by PacNorWest
Sun Dec 16, 2012 10:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Tell Me About Immediate Annuities
Replies: 19
Views: 984

Re: Portable Drill / Screw Gun - battery replacements?

Does anyone have a good source for replacement rechargeable batteries for hand held drill guns? It seems like the replacement batteries that I've found cost almost as much as a new drill gun. What kind of drill do you have? I (and more than one of my contractor buddies) have had great experiences w...
by PacNorWest
Tue Oct 16, 2012 11:44 am
 
Forum: Personal Consumer Issues
Topic: Portable Drill / Screw Gun - battery replacements?
Replies: 13
Views: 894

Portable Drill / Screw Gun - battery replacements?

Does anyone have a good source for replacement rechargeable batteries for hand held drill guns?
It seems like the replacement batteries that I've found cost almost as much as a new drill gun.
by PacNorWest
Mon Oct 15, 2012 4:10 pm
 
Forum: Personal Consumer Issues
Topic: Portable Drill / Screw Gun - battery replacements?
Replies: 13
Views: 894

Re: Exit from Stocks WSJ

No specific knowledge here of a high water mark, but do have historical indications where "a flood line" might be - that is, when the water spills over the wall [street]. :) http://davesbrain.blogs.com/.a/6a00d8345b167953ef0147e28346be970b-800wi Very nice, thank you. It helped me find thi...
by PacNorWest
Sat Oct 06, 2012 10:47 am
 
Forum: Investing - Theory, News & General
Topic: Exit from Stocks WSJ
Replies: 39
Views: 4375

Re: Exit from Stocks WSJ

If stocks hit a high water mark, why would you not take 5-percent off the table?
You know the tide will go out again, don't you?

Is patience an emotion?
by PacNorWest
Sat Oct 06, 2012 9:04 am
 
Forum: Investing - Theory, News & General
Topic: Exit from Stocks WSJ
Replies: 39
Views: 4375

Re: robbed by strong arm and pickpockets in Rome and Venice

Several years ago, my wife had her purse grabbed in just a few seconds in a restaurant in Italy. She had it on the back of her chair. She got a shrug from the waiter. My wife thought he was more concerned about how she would pay the bill. In Chile we've seen chairs in some restaurants with anti-the...
by PacNorWest
Fri Oct 05, 2012 10:37 am
 
Forum: Personal Consumer Issues
Topic: robbed by strong arm and pickpockets in Rome and Venice
Replies: 63
Views: 7836

Re: Paying down a mortgage vs contributing to retirement acc

I like your thinking. The decision you question has to be based on if you can contribute to a qualified Roth or Traditional IRA or not. I would stuff the Roth with every cent that I could first before paying down the mortgage. Second would be to max out the Traditional IRA When the qualified retirem...
by PacNorWest
Thu Sep 27, 2012 9:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Paying down a mortgage vs contributing to retirement account
Replies: 41
Views: 2670

Re: pay off mortage?

We got a tax reduction (after mortgage deduction) of about $500. But that cost us $6000. in mortgage payments. To summarize, we were spending $6000. in order to recognize a $500. savings. Next to a T-bill, our house was the safest place to put the money. We paid of the mortgage. :sharebeer I don't ...
by PacNorWest
Fri Sep 21, 2012 1:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: pay off mortage?
Replies: 47
Views: 4217

Re: pay off mortage?

We got a tax reduction (after mortgage deduction) of about $500.
But that cost us $6000. in mortgage payments.
To summarize, we were spending $6000. in order to recognize a $500. savings.

Next to a T-bill, our house was the safest place to put the money.
We paid of the mortgage. :sharebeer
by PacNorWest
Fri Sep 21, 2012 12:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: pay off mortage?
Replies: 47
Views: 4217

Re: Leaf blower recommendation

I have used a Stihl BR 550 for the last three years without a single problem. Not the cheapest unit, but it is a quality product. http://www.stihlusa.com/products/blowers-and-shredder-vacs/professional-blowers/br550/ We're surrounded by trees - several 100-foot big leaf maples and many red alder. M...
by PacNorWest
Mon Sep 17, 2012 12:02 am
 
Forum: Personal Consumer Issues
Topic: Leaf blower recommendation
Replies: 33
Views: 1830

Re: Asset class for real estate

When balancing your portfolio how should rental property be considered? Should the equity and income be considered separately? Our financial adviser treats the income as part of our cash flow - as if it were social security. When he "bucketizes" the liquid assets, he does not include the ...
by PacNorWest
Sun Sep 16, 2012 6:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset class for real estate
Replies: 21
Views: 1365

Re: How do you live your life?

Reading this book might be helpful. "A Guide to the Good Life: The Ancient Art of Stoic Joy " http://www.amazon.com/Guide-Good-Life-Ancient-Stoic/dp/0195374614/ref=sr_1_1?s=books&ie=UTF8&qid=1319467457&sr=1-1 I haven't read a book in years :oops: . I blame you for suggesting t...
by PacNorWest
Sun Sep 16, 2012 10:15 am
 
Forum: Personal Consumer Issues
Topic: How do you live your life?
Replies: 94
Views: 39140

Re: Rebalancing / Market timing

[Political comments removed by admin LadyGeek] I have to ask myself, "Am I getting caught up in the rising market fever because it fits a perceived "long term" game plan?" Accordingly, I've been "averaging out" just small amounts (5% on Friday) in order to lock in some...
by PacNorWest
Sun Sep 16, 2012 10:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing / Market timing
Replies: 29
Views: 1419

Re: Space Heater Recommendations?

We have several electric space heaters. The oil filled type are the best of which I have two in the shop and one in the camper. They are quiet and will maintain an even overall room temperature. They typically look like an old style steam radiator (see image below) and can often be found for as litt...
by PacNorWest
Wed Sep 12, 2012 10:36 am
 
Forum: Personal Consumer Issues
Topic: Space Heater Recommendations?
Replies: 31
Views: 1829

Re: Blender Recommendation

There's only two high powered blenders: The Vitamix and the Blendtec Both are expensive and have enough power to blend almonds and milk if you desire. Vitamix has a patent on a tool that fits through the top cover - the tool is basically a push stick used if needed to push stuff down into the blades...
by PacNorWest
Sun Sep 09, 2012 10:01 pm
 
Forum: Personal Consumer Issues
Topic: Blender Recommendation
Replies: 37
Views: 2902

Binocular Vision when buying a home

Now is probably the best time to buy in recent years. Material prices have not dropped - it costs more to build a new home now than it did ten years ago. Still - jobs are what matter and jobs are how people make money to buy homes. So, considering that this is an election year, "things" sh...
by PacNorWest
Sat Sep 08, 2012 3:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying a single family home a good investment?
Replies: 16
Views: 1990

Re: Cheap Wall St Journal?

My subscription ended a while back and after it lapsed for a short while they sent me an offer to renew for one year for $99. Not sure if that was a one time thing, but it was a pretty good deal at the time. The other thing is if you're looking to get it for yourself and your daughter wants it but ...
by PacNorWest
Fri Sep 07, 2012 6:25 pm
 
Forum: Personal Consumer Issues
Topic: Cheap Wall St Journal?
Replies: 60
Views: 7203

Re: Looking for a quiet ride

Traditionally, the Lincoln depreciates rapidly after just 2 or 3 years but is still a good car. . .luxury, power and quiet. Buick has outrated BMW in some ratings - my aunt has one and I've driven it - it's quite impressive, quiet, smooth running and easy to find yourself speeding, not for the thril...
by PacNorWest
Thu Sep 06, 2012 6:24 pm
 
Forum: Personal Consumer Issues
Topic: Looking for a quiet ride
Replies: 16
Views: 1875

Re: Getting rid of rootkits

I inherited a computer like that. Formatting the hard drive did not help. Upgrading the OS did the trick. The particularly nasty virus makes ten copies of itself and sets up a handshake with each copy. If either any copy, or the original virus is destroyed and the remaining viruses do not find the h...
by PacNorWest
Sun Sep 02, 2012 9:26 am
 
Forum: Personal Consumer Issues
Topic: Getting rid of rootkits
Replies: 47
Views: 6266

Re: Amazon Prime

Off topic now, but. . . Amazon gets special shipping rates - so low that an individual seller can ship through Amazon cheaper than working solo. Amazon does it two ways. If you sell a product that is "boxable" such as wristwatches, sunglasses, etc. and the profit margin and quantity fit Am...
by PacNorWest
Sun Sep 02, 2012 9:17 am
 
Forum: Personal Consumer Issues
Topic: Amazon Prime
Replies: 66
Views: 6690

Re: Amazon Prime

Does Bogleheads.org get a referral fee if I access Amazon.com through this website???
by PacNorWest
Fri Aug 31, 2012 11:48 am
 
Forum: Personal Consumer Issues
Topic: Amazon Prime
Replies: 66
Views: 6690

Amazon Prime

We've joined Amazon Prime and I can't say how satisfied we've been with it. The free two day shipping has more than paid for it. Plus, we've used the Amazon Prime to stream a lot of free videos and an occasional paid movie. Speaking of which - does using the Amazon.com link on this forum for purchas...
by PacNorWest
Fri Aug 31, 2012 9:57 am
 
Forum: Personal Consumer Issues
Topic: Amazon Prime
Replies: 66
Views: 6690
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