Search found 287 matches

Return to advanced search

Re: I am thinking of buying Ooma or Magicjack need help deci

Check out Nettalk, been using it for years, cost about $3.00 per month Mike +1 Years ago I tried Magic Jack, with horrendous results. It may be better now idk. Switched to nettalk about 4 yrs ago, it's my new landline for the home, cut the cord with att. Wife is Happy! Now there's an endorsement ! ...
by SteveNet
Mon Jul 07, 2014 1:13 pm
 
Forum: Personal Consumer Issues
Topic: I am thinking of buying Ooma or Magicjack need help deciding
Replies: 52
Views: 4492

Re: Replace Motor or Buy New Washing Machine?

My general rule of thumb... if everything else on a (any) machine works fine, and you are are happy with the unit AND the repair cost is under 30% of the cost of a replacement... then fix it.
Given this is a machine of unknown age or abuse. I would be leaning towards a new machine.
by SteveNet
Mon Jul 07, 2014 1:04 pm
 
Forum: Personal Consumer Issues
Topic: Replace Motor or Buy New Washing Machine?
Replies: 24
Views: 1612

Re: New water heater needed - local plumber or Home Depot, L

If the quotes you get do not include an expansion tank, If you don't have one... Look for another plumber.
by SteveNet
Mon Jun 23, 2014 2:53 pm
 
Forum: Personal Consumer Issues
Topic: New water heater needed - local plumber or Home Depot, Lowes
Replies: 43
Views: 4743

Re: Another water heater query - hybrid water heaters

SteveNet, Sorry for the confusion. This is not my fortay, so I will try to explain to the best of my ability. I have an air-sourced heat pump for cooling/heating of a two-story with a walk-out basement (essentially a 3-story). There is an inside unit in the center of a basement and an outside unit ...
by SteveNet
Thu Jun 19, 2014 4:22 pm
 
Forum: Personal Consumer Issues
Topic: Another water heater query - hybrid water heaters
Replies: 36
Views: 3672

Re: Another water heater query - hybrid water heaters

I have a Geyser water heater heat pump for the past 4 years hooked up to my regular traditional electric water heater. Sold by Nyle systems. I saw this on Ask This Old House recently. It looks very cool. It does require an ambient temp of 50 degrees (manufacturer recommends turning off otherwise). ...
by SteveNet
Thu Jun 19, 2014 3:13 pm
 
Forum: Personal Consumer Issues
Topic: Another water heater query - hybrid water heaters
Replies: 36
Views: 3672

Re: Another water heater query - hybrid water heaters

I like this thread and always willing to consider non-traditional solutions. My mother's house in Miami may benefit from this discussion around desuperheaters. Her a/c is always running and she would love to stop using propane gas at the house. However, there would be no room for any additional equ...
by SteveNet
Thu Jun 19, 2014 3:06 pm
 
Forum: Personal Consumer Issues
Topic: Another water heater query - hybrid water heaters
Replies: 36
Views: 3672

Re: Another water heater query - hybrid water heaters

I have a Geyser water heater heat pump for the past 4 years hooked up to my regular traditional electric water heater. Sold by Nyle systems. It is hooked up independent of the water heater , not a hybrid. I chose this because if anything happened to either the hot water heater or the heat pump you o...
by SteveNet
Thu Jun 19, 2014 1:11 pm
 
Forum: Personal Consumer Issues
Topic: Another water heater query - hybrid water heaters
Replies: 36
Views: 3672

Re: William Bernstein-When you've won the game, why keep pla

" For the middle-aged, they're pretty risky. And for a retired person, they can be nuclear-level toxic ". - It just dawned on me how sensible and true Bill's statements are ... i.e once you have saved 25 X yearly expenses. My savings are close to the NUMBER, thanks to regular savings and ...
by SteveNet
Sun Mar 16, 2014 12:46 pm
 
Forum: Investing - Theory, News & General
Topic: William Bernstein-When you've won the game, why keep playing
Replies: 264
Views: 34344

Re: Rototiller

SteveNet gave good advice. I myself have had a garden for the last 25 years and with the amount of weeds/roots you are talking about I don't think your listed tiller is going to be much help. Our garden was good size when we were young about 40x80 and a tiller behind the tractor worked great. With ...
by SteveNet
Fri Feb 21, 2014 9:18 am
 
Forum: Personal Consumer Issues
Topic: Rototiller
Replies: 4
Views: 314

Re: Rototiller

Greetings, I used to have a side job rototilling gardens and lawns about 20 yrs ago, I still have my Troy Bilt 8hp horse in fact that I used then. Anyway, (I'm soon to be 60 myself) I would really suggest that you find an individual like I was that does this on the side and have them do it. The till...
by SteveNet
Fri Feb 21, 2014 8:16 am
 
Forum: Personal Consumer Issues
Topic: Rototiller
Replies: 4
Views: 314

Re: Sold land for $35k - What would you do if you were me?

We are thinking of using some or most of this new money to purchase an inground pool or car in several years . Any advice on how to invest this money? Looking currently looking at tax efficient mutual funds…should we be looking at ETFs? We are willing to take risks for bigger potential earnings. Th...
by SteveNet
Tue Feb 18, 2014 6:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Sold land for $35k - What would you do if you were me?
Replies: 6
Views: 753

Re: What are reliable refrigerator brands these days?

And this is the reason I'm keeping my 21 yr old GE fridge/freezer for as long as I can. Despite all the claims of "More Efficient" mine runs $75 per year in Electricity, tested with Killowatt meter. New ones cost about $35 per year to run. BUT I've read too many reports (like here) that ne...
by SteveNet
Mon Feb 17, 2014 5:35 pm
 
Forum: Personal Consumer Issues
Topic: What are reliable refrigerator brands these days?
Replies: 51
Views: 9976

Re: How long does it take to do your taxes?

2 hours tops, taxcut, I fill in the info as it comes in the mail, dribs and drabs here and there. I guess if I waited till it all came in about an hour tops. Takes more time to log on and off than to actually input the info finding where I left off each time. I should wait till it all comes in, but ...
by SteveNet
Mon Feb 10, 2014 10:00 am
 
Forum: Personal Finance (Not Investing)
Topic: How long does it take to do your taxes?
Replies: 53
Views: 3117

Re: When is it time to replace a car - is there a formula?

For $3K - you should be getting a heck of a lot more than just "an axle". For $3K - you should get 2 new front axles, 2 new struts/shocks (suspension), replacement of control arms, oil change, transmission change, tune-up. Someone is trying to take you for a "ride". If the axle ...
by SteveNet
Mon Feb 10, 2014 9:34 am
 
Forum: Personal Consumer Issues
Topic: When is it time to replace a car - is there a formula?
Replies: 15
Views: 1629

Re: SS @ 62 w $300k savings or SS @ 70 & rely on $300k by ag

I recently went through the same exercise myself at the end of 2013. 600k aprox, in savings (invested). Age 60 now. I took 300k (aprox) and did a CD ladder based on 5 yrs out, the excess each year to roll over into another 5 yr to make it to age 70. Age 70 is what I'm shooting for for SS to start, i...
by SteveNet
Mon Feb 10, 2014 9:26 am
 
Forum: Investing - Help with Personal Investments
Topic: SS @ 62 w $300k savings or SS @ 70 & rely on $300k by age 60
Replies: 8
Views: 1610

Re: Not happy with market

I want to know what day the OP is going to pull the plug and sell everything...Then I know it will be time to get in! Seriously though, you have to educate yourself about your investing plan. Once you have read and understand how the markets work and how your plan is set up to work you can stomach a...
by SteveNet
Thu Jan 30, 2014 11:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Not happy with market
Replies: 148
Views: 13611

Re: Bought in, and then they start tumbling

"Bought in, and then they start tumbling"

Well now we know who's to blame... :beer
by SteveNet
Mon Jan 27, 2014 11:55 am
 
Forum: Investing - Theory, News & General
Topic: Bought in, and then they start tumbling
Replies: 51
Views: 6601

Re: Finished Basement Ideas

If no one has already said it...PERMITS, don't rely on the contractor's word, call and find out for yourself.
Once you try to sell the home, work that requires permits can be an issue...ask me how I know. :wink:
by SteveNet
Sun Jan 19, 2014 4:56 pm
 
Forum: Personal Consumer Issues
Topic: Finished Basement Ideas
Replies: 32
Views: 2489

Re: when you reach"your number"

Never had a "Number" just did the best I could and whatever the "Number" is...well it is. A Number implies a "Goal" most people see reaching a Goal as some sort of Plateau or Peak. When the offer came to retire @50 9 yrs ago I reviewed my then portfolio Number and retir...
by SteveNet
Sun Jan 19, 2014 10:32 am
 
Forum: Investing - Theory, News & General
Topic: when you reach"your number"
Replies: 84
Views: 9157

Re: First Speeding Ticket: What Would You Do?

How about the honest approach? If you were speeding then pay it. If you were not then contest it. It's not just a money/risk analysis. Not for nothing, but Hiring a Lawyer IS an honest approach. The Officer and the Court have to provide certain documentation for the charge to hold up. Calibration o...
by SteveNet
Sat Jan 18, 2014 10:38 am
 
Forum: Personal Finance (Not Investing)
Topic: First Speeding Ticket: What Would You Do?
Replies: 72
Views: 4689

Re: First Speeding Ticket: What Would You Do?

I got a ticket some 25 yrs ago north of NYC, Croton on the Hudson. Trooper shot me with radar doing 62 in a 55 zone, route 9. I decided to Lawyer up, $400. The Trooper (officer) not only has to show up, but also has to notify you in writing (mail) "Prior" to your due date of the charges (v...
by SteveNet
Sat Jan 18, 2014 10:04 am
 
Forum: Personal Finance (Not Investing)
Topic: First Speeding Ticket: What Would You Do?
Replies: 72
Views: 4689

Re: Truck/Car Envy....How do You Deal with It?

I used to love cars... Then I worked for 30 yrs building cars.

They are machines, point A to point B, toasters on wheels.
by SteveNet
Fri Jan 17, 2014 11:35 pm
 
Forum: Personal Consumer Issues
Topic: Truck/Car Envy....How do You Deal with It?
Replies: 64
Views: 5254

Re: Who taught you about financial responsibility?

No one specifically,
Parents and Grand Parents abhorred the stock market (memories of 1929) An indefinite layoff in 1982 (lasted 2.5 yrs) 2 weeks after buying my first home, Baby on the way, 3 jobs to make ends meet (almost)... I guess that sort of 'instilled' financial responsibility thereafter.
by SteveNet
Fri Jan 17, 2014 2:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Who taught you about financial responsibility?
Replies: 57
Views: 2364

Re: When to start social security

I recently went thru this process to determine for myself when to start SS. Besides the Numbers, there is the mental satisfaction (emotion) of being able to sleep at night. Or not constantly being worried IF the markets produce enough revenue or not. After reviewing my own spreadsheet with different...
by SteveNet
Sun Jan 12, 2014 2:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: When to start social security
Replies: 30
Views: 2020

Re: When to start social security

Perhaps do some of your own situational calculating, everyone's positions are unique, so one size doesn't fit all. I would suggest to run your numbers through the ORP calculator. http://www.i-orp.com/ Come up with a plan for what you want, then try it out with ORP, taking SS at ages 62 through 70 an...
by SteveNet
Sat Jan 11, 2014 2:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: When to start social security
Replies: 30
Views: 2020

Re: Would installing a French Drain (interior) be a good inv

efflorescence, can and will occur in almost all concrete given contact with water. As it's the 'floor' that is showing the efflorescence at a crack (be it man made or naturally occurring) only suggests that there is moisture under the slab. It's easier for efflorescence to form at a crack that goes ...
by SteveNet
Sat Jan 11, 2014 9:10 am
 
Forum: Personal Consumer Issues
Topic: Would installing a French Drain (interior) be a good invest
Replies: 50
Views: 9460

Re: Preemptive water heater replacement: worth it?

What about installing a drain pan to catch leaks and divert to a drain or outside? We have that on an attic water heater but not on the first floor one. (I think it would have been useful on both) Any waterheater is going to have a water hose under pressure that COULD fail, even an on demand unit. ...
by SteveNet
Sun Dec 29, 2013 3:00 pm
 
Forum: Personal Consumer Issues
Topic: Preemptive water heater replacement: worth it?
Replies: 59
Views: 4646

Re: Preemptive water heater replacement: worth it?

Hot water tanks contain a sacrificial anode, made of aluminum or zinc, which protects the steel tank from corrosion. Over time, the anode corrodes (is eaten away) as it should while protecting the tank. After about 5 years, or so, the anode has sufficiently decreased in size so that it no longer pr...
by SteveNet
Sun Dec 29, 2013 11:42 am
 
Forum: Personal Consumer Issues
Topic: Preemptive water heater replacement: worth it?
Replies: 59
Views: 4646

Re: Grilling: Propane, natural gas, and electric?

Lump Wood Charcoal, Lodge Cast Iron Grill. Chimney starter. I gave up any form of gas a long time ago. :beer + .5 Good fresh charcoal briquettes are excellent fuel Briquettes are good especially for BBQ, but for Grilling (they are different, not saying you don't know that) Lump wood burns hotter an...
by SteveNet
Fri Dec 27, 2013 9:49 am
 
Forum: Personal Consumer Issues
Topic: Grilling: Propane, natural gas, and electric?
Replies: 65
Views: 15728

Re: Grilling: Propane, natural gas, and electric?

Lump Wood Charcoal, Lodge Cast Iron Grill. Chimney starter. I gave up any form of gas a long time ago. :beer + .5 Good fresh charcoal briquettes are excellent fuel Briquettes are good especially for BBQ, but for Grilling (they are different, not saying you don't know that) Lump wood burns hotter an...
by SteveNet
Thu Dec 26, 2013 12:21 am
 
Forum: Personal Consumer Issues
Topic: Grilling: Propane, natural gas, and electric?
Replies: 65
Views: 15728

Re: Grilling: Propane, natural gas, and electric?

Lump Wood Charcoal, Lodge Cast Iron Grill.
Chimney starter.
I gave up any form of gas a long time ago. :beer
by SteveNet
Tue Dec 24, 2013 6:12 pm
 
Forum: Personal Consumer Issues
Topic: Grilling: Propane, natural gas, and electric?
Replies: 65
Views: 15728

Re: Buying snow tires

We live 1 hr. north of NYC and want to buy snow tire; what is the best way to go about it? Mail order or not? Are any of the tire stores like Mavis reliable? I hear horror stories. cb When I lived where you are Montrose,Peekskill,Putnam Valley area. I used all season tires, if it was so bad that I ...
by SteveNet
Sun Dec 15, 2013 6:42 pm
 
Forum: Personal Consumer Issues
Topic: Buying snow tires
Replies: 55
Views: 4143

Re: I Need to Leave My Financial Advisor

He's a paid professional that you no longer wish to pay for. Family friend or not, if you wish to drop him and do it yourself and feel confident to do so then why pay him? Especially if you want YOUR money invested differently. The less you tell him how you are going to invest the less he can offer ...
by SteveNet
Sun Dec 15, 2013 11:12 am
 
Forum: Personal Finance (Not Investing)
Topic: I Need to Leave My Financial Advisor
Replies: 66
Views: 6631

Re: CD Ladder

Not sure I'd assume the CD bucket would be "used up". When I started my CD ladder, back in the Paleolithic era, I always assumed I'd cash in those CDs in retirement. Fast forward to retirement. Suddenly it dawns on me: why not just roll the ladder? Which is what I do. We have an IPS. It c...
by SteveNet
Sat Dec 14, 2013 6:14 pm
 
Forum: Investing - Theory, News & General
Topic: CD Ladder
Replies: 16
Views: 1896

Re: POLL: How much time do you spend on this forum?

< an hour per day, just to see whats new and interesting.
More than that and I find it becomes the 'noise' we aren't suppose to pay attention to.
by SteveNet
Sat Dec 14, 2013 3:01 pm
 
Forum: Personal Consumer Issues
Topic: POLL: How much time do you spend on this forum?
Replies: 12
Views: 1062

Re: CD Ladder

IMO it really depends on your yearly needs for the ladder to produce. Excel (or other SS) and FV formulas can help alleviate the guessing on rates. Personally I always go and buy long term - currently a 7 Year Ladder but have been 10 recently. Cash in early has never been in the plan (yet). Basical...
by SteveNet
Sat Dec 14, 2013 2:54 pm
 
Forum: Investing - Theory, News & General
Topic: CD Ladder
Replies: 16
Views: 1896

Re: CD Ladder

Call_Me_Op wrote:
SteveNet wrote:But given the better possibility of cd rates rising.


Purely speculative statement.


Thanks for the contribution.
by SteveNet
Sat Dec 14, 2013 9:28 am
 
Forum: Investing - Theory, News & General
Topic: CD Ladder
Replies: 16
Views: 1896

Re: Is sales for a start-up a "blue-collar" job?

Generally, if you have to ask...it's a white collar job.
by SteveNet
Fri Dec 13, 2013 3:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is sales for a start-up a "blue-collar" job?
Replies: 14
Views: 1247

Re: Heat Pump

We have a geothermal heat pump and it keeps our normally insulated 2000 sf house nice and cool in the Texas summer except for the very hottest (110+ F) days, when it can't get it much below 80. Our bills are rarely more than $130/mo. in the summer. It usually doesn't get very cold here in the winte...
by SteveNet
Thu Dec 12, 2013 12:24 pm
 
Forum: Personal Consumer Issues
Topic: Heat Pump
Replies: 19
Views: 1777

Re: What's your definition of "drive it into the ground?"

1996 Caprice, when a major engine component gives out (crank, rod, rings) or transmission 'Then' I will consider it fodder as a new manhole cover.
Bought it used 12 yrs ago. As long as it keeps moving in a forward direction I'm keeping it.
by SteveNet
Wed Dec 11, 2013 12:40 pm
 
Forum: Personal Consumer Issues
Topic: What's your definition of "drive it into the ground?"
Replies: 50
Views: 3713

Re: CD Ladder

The answer also depends on the difference in interest rates for the 3 and 5 year CDs. If the interest rate difference in small, it would be better to stay shorter. However, if the difference is large enough, then going longer makes more sense. The real question is how much difference justifies the ...
by SteveNet
Sun Dec 08, 2013 6:13 pm
 
Forum: Investing - Theory, News & General
Topic: CD Ladder
Replies: 16
Views: 1896

Re: CD Ladder

Check the wiki pages on laddering http://www.bogleheads.org/wiki/Laddering_bonds_or_CDs#CD_ladders and comparing CDs http://www.bogleheads.org/wiki/Comparing_CDs for some good nuts and bolts of the process as well as a handy dandy spreadsheet to help you figure out whether breaking an existing CD i...
by SteveNet
Sun Dec 08, 2013 12:31 pm
 
Forum: Investing - Theory, News & General
Topic: CD Ladder
Replies: 16
Views: 1896

Re: CD Ladder

dbr wrote:The standard option anticipated by CD enthusiasts is to withdraw the CD early with a penalty and buy a new CD.


Ah... ok I had not thought of that.
If the rates rise enough to make the early withdrawal penalty worthwhile then lock in the 4 and 5 yr rates now in case they don't rise.


Thanks!
by SteveNet
Sun Dec 08, 2013 11:38 am
 
Forum: Investing - Theory, News & General
Topic: CD Ladder
Replies: 16
Views: 1896

Re: CD Ladder

In order to answer this question we'd need to be able to see the future. Nobody can tell you with certainty when (or even if) rates will rise, and if they do rise nobody can tell you how much they'll rise or how fast. While the crystal ball is foggy, the suggested 5yr cycle is based on a crystal ba...
by SteveNet
Sun Dec 08, 2013 11:31 am
 
Forum: Investing - Theory, News & General
Topic: CD Ladder
Replies: 16
Views: 1896

CD Ladder

My question is one of today's low interest rates and how that would affect a cd ladder over a 10 yr time horizon. Due to low interest rates (and the potential of them rising during the 10 yr period rather than lowering)... Would it be better to create the ladder with a 3 yr max horizon instead of a ...
by SteveNet
Sun Dec 08, 2013 10:56 am
 
Forum: Investing - Theory, News & General
Topic: CD Ladder
Replies: 16
Views: 1896

Re: Pepper Spray the Best Option for Personal Protection?

Pepper spray is considered a weapon and is restricted in some states, as perhaps you're already aware. It's best to check your state laws/local law enforcement about restrictions (amount/concentration, where bought, and whether you need to register with police to carry it). A map with explanations ...
by SteveNet
Fri Dec 06, 2013 12:41 pm
 
Forum: Personal Consumer Issues
Topic: Pepper Spray the Best Option for Personal Protection?
Replies: 40
Views: 2075

Re: Pepper Spray the Best Option for Personal Protection?

The OP started the thread about pepper spray. With that in mind I found this product which I just ordered for my wife in fact, we have 5 acres in the country and she worries about 'Dogs' and or coyotes which do wander thru. What I like about it is you can fire from 25' away, it has a large canister ...
by SteveNet
Fri Dec 06, 2013 11:31 am
 
Forum: Personal Consumer Issues
Topic: Pepper Spray the Best Option for Personal Protection?
Replies: 40
Views: 2075

Re: Tactical Flashlight for long walks at night vs. pepper s

The problem with most self defense options other than a handgun, is that they require close contact to deploy. Your risk greatly increases inside of 5 yards. People think that simply buying and carrying such an option provides increased security. This is a false sense of security and is generally a...
by SteveNet
Tue Dec 03, 2013 12:53 am
 
Forum: Personal Consumer Issues
Topic: Tactical Flashlight for long walks at night vs. pepper spray
Replies: 85
Views: 5319

Re: Spend IRA First?

One should not believe the "Taxes" column of the ORP output until confirmed by TurboTax. I found that I could withdraw/convert thousands of dollars more per year and pay the tax that ORP suggested. Conversely, I could withdraw/convert less and pay lower taxes. That's why I mentioned that ...
by SteveNet
Tue Dec 03, 2013 12:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Spend IRA First?
Replies: 32
Views: 1807

Re: Spend IRA First?

One should not believe the "Taxes" column of the ORP output until confirmed by TurboTax. I found that I could withdraw/convert thousands of dollars more per year and pay the tax that ORP suggested. Conversely, I could withdraw/convert less and pay lower taxes. That's why I mentioned that ...
by SteveNet
Mon Dec 02, 2013 11:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Spend IRA First?
Replies: 32
Views: 1807
Next

Return to advanced search