Search found 180 matches

by tacster
Wed Jul 15, 2015 6:06 pm
Forum: Personal Consumer Issues
Topic: Are the more expensive bikes worth paying for?
Replies: 78
Views: 3908

Re: Are the more expensive bikes worth paying for?

Years ago I seriously considered a custom Ti frame, but with my income at the time just couldn't pull the trigger on $2500 for only a frame. Settled for a sweet Pinarello (whole bike) for around that price instead. Love that Italian bike geometry.
by tacster
Wed Jul 15, 2015 5:33 pm
Forum: Personal Consumer Issues
Topic: Are the more expensive bikes worth paying for?
Replies: 78
Views: 3908

Re: Are the more expensive bikes worth paying for?

livesoft wrote: This is getting way off-tangent, but I would love to have titanium frame with the same geometry as what I have now.


So have one made. There are plenty of bike builders out there that would be happy to accommodate you. All it takes is money. :beer
by tacster
Wed Jul 15, 2015 5:26 pm
Forum: Personal Consumer Issues
Topic: HomeDepot hardwood flooring issue
Replies: 9
Views: 1093

Re: HomeDepot hardwood flooring issue

It was solid Brazilian Cherry by Home Legend. Basically the wood started blistering and peeling a few weeks after installation. The manufacturer sent out an inspector to check it out. A couple of weeks later, HomeDepot called me and said the manufacturer is issuing full credit back to us for the wo...
by tacster
Wed Jul 15, 2015 11:25 am
Forum: Personal Consumer Issues
Topic: HomeDepot hardwood flooring issue
Replies: 9
Views: 1093

Re: HomeDepot hardwood flooring issue

What was wrong with the wood?
by tacster
Tue Jun 16, 2015 11:17 am
Forum: Personal Consumer Issues
Topic: Most Beautiful Nature Destinations
Replies: 50
Views: 6429

Re: Most Beautiful Nature Destinations

Pacific Coast Highway.
by tacster
Thu Jun 11, 2015 11:57 am
Forum: Personal Consumer Issues
Topic: Should we trade in the old truck or sell it privately?
Replies: 46
Views: 3697

Re: Should we trade in the old truck or sell it privately?

Go onto a truck forum and look for posts about the ecoboost. Owners are underwhelmed with the mileage. More hype than reality. It's an expensive option over the v8 and without the actual gas savings, a big waste of money Actually the 2.7l Ecoboost costs less than the V8 and produces almost as much ...
by tacster
Wed Jun 10, 2015 1:22 pm
Forum: Personal Consumer Issues
Topic: Should we trade in the old truck or sell it privately?
Replies: 46
Views: 3697

Re: Should we trade in the old truck or sell it privately?

Selling privately via Craigslist will yield more money, but will come with hassles - fielding calls, weeding out the fake offers and trade offers, meeting people so they can test drive, some uncertainty about how to receive payment safely. I found the hassles to be minimal. Posted the ad on CL on a...
by tacster
Mon Jun 08, 2015 6:47 pm
Forum: Personal Consumer Issues
Topic: Car dealer wants me to compensate for underpayment
Replies: 182
Views: 13653

Re: Car dealer wants me to compensate for underpayment

Just curious - why did you sign a contract to buy a car? Is that how it's done these days? My last car purchase (admittedly some years ago) I just went in, negotiated the price, and bought it. Preapproved with my credit union. No contract.
by tacster
Sat Jun 06, 2015 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Big Decision to Make
Replies: 58
Views: 9721

Re: Big Decision to Make

Do it. Grab that opportunity before they change their minds. Five years goes by in a heartbeat. Sure it may be unpleasant or boring living there, but at the end you'll be well on the way to being set for the rest of your life. It's an absolute no-brainer IMO, especially since your wife is onboard.
by tacster
Fri Jun 05, 2015 6:17 pm
Forum: Investing - Theory, News & General
Topic: Wise move to move some $ to cash before bear market?
Replies: 131
Views: 15300

Re: Wise move to move some $ to cash before bear market?

This is one reason I like to buy some individual stocks. So I can focus on accumulating a certain number of shares. For example I can set a goal that I want to own 10,000 shares of AAPL or Disney or some great company. Then we market goes down I focus more on buying more than freaking out and selli...
by tacster
Tue Jun 02, 2015 10:59 am
Forum: Personal Consumer Issues
Topic: Canadian money
Replies: 34
Views: 3112

Re: Canadian money

Years ago (as a kid/teen) I spent a $2 bill that I'd kept from a previous trip. I thought it was neat to be able to use a Two, as they're not common in the US. Then I learned that they had just been discontinued. In retrospect I wish I'd kept the bill, just for personal interest, even if it's not w...
by tacster
Sat May 16, 2015 11:34 am
Forum: Personal Consumer Issues
Topic: Home Prices Are Way Too High
Replies: 26
Views: 4042

Re: Home Prices Are Way Too High

Renting would not have been a better option for me. I bought a condo for $81,000 in 1994, just sold it for $190,000. In addition to the appreciation in value, thanks to the mortgage interest and property tax deductions, I was able to itemize my federal deductions, getting back about $1,000 more eac...
by tacster
Mon May 11, 2015 10:17 am
Forum: Personal Finance (Not Investing)
Topic: New car, lease or buy?
Replies: 33
Views: 1483

Re: New car, lease or buy?

brucesprings wrote: Girlfriend likes keeping cars a long time

Don't let the salesman talk her into a lease.
by tacster
Sat May 09, 2015 10:26 am
Forum: Personal Consumer Issues
Topic: Selling house; what to fix, what to leave?
Replies: 26
Views: 2459

Re: Selling house; what to fix, what to leave?

EasilyConfused wrote:When you can't tell how to win, do the least expensive thing.

Words of wisdom.
by tacster
Thu May 07, 2015 6:12 pm
Forum: Personal Consumer Issues
Topic: New car vs used car -- what's your approach?
Replies: 57
Views: 3187

Re: New car vs used car -- what's your approach?

Since you're not firm yet on a specific make or model, I'd suggest renting the candidate cars for a day or two each if possible. Put on some mileage in a variety of driving conditions. That gets you an effective test ride with no pressure from a dealer looking over your shoulder. Should make it easi...
by tacster
Wed May 06, 2015 9:56 am
Forum: Personal Finance (Not Investing)
Topic: What are the Pro's and Con's of Retiring in Amarillo, TX
Replies: 89
Views: 6407

Re: What are the Pro's and Con's of Retiring in Amarillo, TX

takeshi wrote:
livesoft wrote:Texas is a big state, so there are plenty of decent places in Texas to live. Do you want small, medium, large, humongous town? Do you want red dust or grassy prairie or lush forest or swamp or ocean?

See also:
https://www.youtube.com/watch?v=JREkqCvLzSo

:D
by tacster
Fri May 01, 2015 10:37 am
Forum: Investing - Theory, News & General
Topic: Analysis of TIAA-CREF Active vs. DFA and Vanguard
Replies: 8
Views: 1035

Re: Analysis of TIAA-CREF Active vs. DFA and Vanguard

sharpjm wrote:In the link the OP provided, there is more space covered with ads than there is with text.

I will draw conclusions based on this observation rather than what the article was about.

Two words: Adblock Plus.
by tacster
Mon Apr 06, 2015 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Pay off mortgage before selling house?
Replies: 10
Views: 1357

Re: Pay off mortgage before selling house?

Thanks for the replies. I won't carry financing for a buyer so no issue there. Wasn't aware of all those fees but when the time comes I will ask the real estate agent about those things. They should know if any could be avoided by mortgage payoff in advance.
by tacster
Mon Apr 06, 2015 10:40 am
Forum: Personal Finance (Not Investing)
Topic: umbrella policy
Replies: 16
Views: 3037

Re:

I'm able to shelter most assets from a lawsuit because most of my investments are in 401K or IRA type accounts. That being said, I think it's wise to have maxed out auto liability and even at least one million umbrella policy. I pay about $250 though Liberty Mutual for the umbrella coverage. It's l...
by tacster
Mon Apr 06, 2015 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Pay off mortgage before selling house?
Replies: 10
Views: 1357

Pay off mortgage before selling house?

I'm considering selling my house in the near future, and wondering if there's any reason to pay off the mortgage first. The outstanding balance is around $11k and I have sufficient cash on hand to cover it. I haven't bothered paying it off because the interest rate is very low and payments are only ...
by tacster
Fri Mar 27, 2015 7:51 pm
Forum: Personal Consumer Issues
Topic: Sued and won for drycleaner losing suit, suit now found.
Replies: 86
Views: 8831

Re: Sued and won for drycleaner losing suit, suit now found.

To the OP - just curious, how much is this suit (the clothing) worth?
by tacster
Thu Mar 05, 2015 10:35 am
Forum: Personal Consumer Issues
Topic: Black Hills SD, where to stay?
Replies: 17
Views: 1488

Re: Black Hills SD, where to stay?

You didn't state your lodging budget, but there are many VRBO properties throughout the Hills.
by tacster
Sun Mar 01, 2015 11:53 am
Forum: Personal Consumer Issues
Topic: airbnb tips?
Replies: 20
Views: 2022

Re: airbnb tips?

I've used AirBnB a number of times with no issues at all. In one case, I had to cancel an AirBnB reservation one day before arrival because I got injured in a bicycle crash. I fully expected to lose my payment and considered that the least of my worries. Well, without me even asking, AirBnB and the ...
by tacster
Fri Feb 27, 2015 11:26 am
Forum: Personal Consumer Issues
Topic: Father / Son Deep Sea Fishing Trip
Replies: 21
Views: 1745

Re: Father / Son Deep Sea Fishing Trip

I think a lot of it depends on the type of fishing you're doing and the people on the boat. Around here it takes 4 to 5 hours (one-way)to get to the offshore fishing grounds and most trips are overnight, so if someone is sick after the first hour then it is completely irresponsible to keep going. Y...
by tacster
Fri Feb 27, 2015 10:39 am
Forum: Personal Consumer Issues
Topic: Father / Son Deep Sea Fishing Trip
Replies: 21
Views: 1745

Re: Father / Son Deep Sea Fishing Trip

Very surprising to hear the above posts about charter captains turning a boat around for seasick passengers. I've been on a number offshore salmon and halibut fishing charters in the Pacific Northwest, and if someone got seasick (a routine occurrence) they simply had to tough it out until the trip w...
by tacster
Sun Feb 08, 2015 12:45 pm
Forum: Personal Consumer Issues
Topic: Sleeping bags for cold weather
Replies: 30
Views: 2602

Re: Sleeping bags for cold weather

Surprised no one's mentioned down backpacking quilts. Much more versatile than sleeping bags, lighter to carry, less constricting, can be opened up for warmer temps or snugged down when colder. Obviously have to be used with a good insulated ground pad but you need that anyway with a sleeping bag. O...
by tacster
Wed Jan 21, 2015 1:49 pm
Forum: Personal Consumer Issues
Topic: Riverboat Cruising in US
Replies: 5
Views: 958

Re: Riverboat Cruising in US

The trip up the Columbia is very scenic. The river passes through a variety of landscapes, from wet coastal forests to arid desertlike terrain on the east side of the Cascades. Locking up through the various dams is also an interesting experience. I've made this trip many times onboard commercial tu...
by tacster
Tue Jan 20, 2015 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: What price are you planning to pay for your next car?
Replies: 91
Views: 7704

Re: What price are you planning to pay for your next car?

Current vehicle is a 2000 Toyota Tacoma bought new that just went over 120,000 miles. Next vehicle will be a full size pickup in the $30-40k range once I save up that much non-earmarked cash, probably in the next 2-3 years. Thought about going with some sort of luxury car instead, but pickups are ju...
by tacster
Tue Jan 13, 2015 11:00 am
Forum: Investing - Help with Personal Investments
Topic: Dazed, Confused and Upset
Replies: 63
Views: 6649

Re: Dazed, Confused and Upset

macheta wrote:I wonder why they don't have more regulation around this type of business.

Largely because these businesses employ lobbyists to prevent such regulations from being passed.
by tacster
Tue Jan 13, 2015 10:39 am
Forum: Investing - Help with Personal Investments
Topic: Bought more REITs today
Replies: 48
Views: 4833

Re: Bought more REITs today

InvestorNewb wrote:I used the available space in my tax-deferred account today to buy more shares of VNQ at $85.9.

Looking back at my original post over a year ago, it wasn't such a bad move after all.

Careful Newb. Confusing strategy with outcome has led to many a fall.
by tacster
Sun Dec 28, 2014 12:44 pm
Forum: Investing - Theory, News & General
Topic: Facebook is Outrageous
Replies: 78
Views: 10444

Re: Facebook is Outrageous

Aaahh, this subject brings back memories from 1999...cubicle debates over valuations of the latest and greatest internet stocks...angst over lack of access to IPO's...guesses about when the bubble would end...good stuff! Well, I was there from 1995 onwards, and I am sorry to say but times now are N...
by tacster
Sun Dec 28, 2014 11:50 am
Forum: Personal Consumer Issues
Topic: Any Cyclists With a Brooks Saddle?
Replies: 23
Views: 2176

Re: Any Cyclists With a Brooks Saddle?

When I first got my Brooks saddle it felt like sitting on a 2x4. After about a thousand miles of riding it still felt like sitting on a 2x4, so I ebay'd it for what I had in it. Nice saddle but it just didn't work for me.
by tacster
Sun Dec 28, 2014 11:25 am
Forum: Personal Finance (Not Investing)
Topic: retirement spending covered by SS
Replies: 34
Views: 2627

Re: retirement spending covered by SS

Zero. Retired but not old enough for SS yet.
by tacster
Sun Dec 28, 2014 11:02 am
Forum: Investing - Theory, News & General
Topic: Retiree Poll:What is your current AA?
Replies: 85
Views: 7641

Re: Retiree Poll:What is your current AA?

jfn111 wrote:close to 50/50 and 58 years old.

Ditto.
by tacster
Sun Dec 28, 2014 11:01 am
Forum: Investing - Theory, News & General
Topic: Facebook is Outrageous
Replies: 78
Views: 10444

Re: Facebook is Outrageous

Aaahh, this subject brings back memories from 1999...cubicle debates over valuations of the latest and greatest internet stocks...angst over lack of access to IPO's...guesses about when the bubble would end...good stuff!
by tacster
Wed Dec 24, 2014 7:50 pm
Forum: Personal Consumer Issues
Topic: Leaf blower (& Gutter cleaner) recommendations
Replies: 18
Views: 2065

Re: Leaf blower (& Gutter cleaner) recommendations

Another vote for gas powered Stihl. I use mine a lot and it's been completely reliable and very powerful. I've yet to find any type of gutter guard that doesn't clog up, so I've resigned myself to walking the roof several times per year to blast out the leaves and debris.
by tacster
Wed Dec 17, 2014 5:47 pm
Forum: Investing - Help with Personal Investments
Topic: AA for Early Retirement
Replies: 21
Views: 2526

Re: AA for Early Retirement

Retired at 57 with AA around 55% bonds and G fund, 45% equities. That AA fits my risk tolerance. I plan to increase FI percentage over time to more or less match my age. Currently withdrawing just under 3% of initial portfolio balance because that's what meets my income needs. IMO 2% is unnecessaril...
by tacster
Tue Dec 16, 2014 6:25 pm
Forum: Investing - Theory, News & General
Topic: RBD in Emerging Markets Brewing
Replies: 41
Views: 4662

Re: RBD in Emerging Markets Brewing

livesoft wrote:
grap0013 wrote:Livesoft, care to give us a number for total return for VWO for 2015?

No.

Aww, come on...we won't hold you to it. :twisted:
by tacster
Mon Dec 15, 2014 7:44 pm
Forum: Personal Consumer Issues
Topic: Oregon wine tour
Replies: 5
Views: 668

Re: Oregon wine tour

Well if you find yourself in northern Oregon you might consider crossing the border into Washington as well. There are many wineries in the area from Yakima to Tri-Cities to Walla Walla. The drive along the Columbia River is quite scenic if you're into that. Staying on the east side of the Cascades ...
by tacster
Mon Dec 15, 2014 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Insurance and Medicare
Replies: 8
Views: 650

Re: Federal Retiree Insurance and Medicare

I retired this past January. I am also a vet. I signed up for Medicare A when I turned sixty-five. I was planning to enroll in Medicare B after I retired; however, because I am getting all my health care at the VA, I decided not to enroll in Medicare B, and I also my planning to drop my FEHB. What ...
by tacster
Sun Dec 14, 2014 5:32 pm
Forum: Personal Consumer Issues
Topic: Taste testing wine at home
Replies: 23
Views: 1884

Re: Taste testing wine at home

Do you live near any wineries? Lots of them have sampling rooms.
by tacster
Sun Dec 07, 2014 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: No Fee Annuity?
Replies: 14
Views: 1667

Re: No Fee Annuity?

Hello, To clairify: I think what is being offered by Washington State is a Single Premium Immediate Annuity. Supposedly there are no fees; I don't know if there is a connection to interest rates. As I said, I currently have $275,000 in a multi-asset account ( The Total Asset Portfolio offered throu...
by tacster
Wed Dec 03, 2014 10:15 am
Forum: Personal Consumer Issues
Topic: Unbroken!
Replies: 20
Views: 4431

Re: Unbroken!

My son and I want to see the movie! Looks great!! Hate to be the bearer of bad news but in my opinion very rarely does a movie come up to level of book, which I agree was exceptional. Seems to me that movies based on books are designed for an audience that does not read many books. But there is alw...
by tacster
Fri Nov 28, 2014 11:28 pm
Forum: Personal Consumer Issues
Topic: Unbroken!
Replies: 20
Views: 4431

Re: Unbroken!

ThankYouJack wrote:If you really like Unbroken, you'll probably enjoy We Die Alone too. Both absolutely incredible stories

And "The Forgotten Highlander".
by tacster
Thu Nov 27, 2014 11:21 am
Forum: Personal Finance (Not Investing)
Topic: How to calculate pension into retirement calculations
Replies: 4
Views: 569

Re: How to calculate pension into retirement calculations

Estimate how much annual income you'll need in retirement. Subtract your expected pension and disability income from that. The remainder will need to be covered by your retirement nest egg. That's about all there is to it.
by tacster
Thu Nov 27, 2014 12:03 am
Forum: Personal Consumer Issues
Topic: Engineered Hardwood Floors
Replies: 14
Views: 2792

Re: Engineered Hardwood Floors

Your installer is trying to deflect fault from his poor workmanship by blaming the product. There is absolutely nothing wrong with Bellawood. I installed 3/4" Bellawood Brazilian Cherry plank in my home myself over a decade ago and have had zero problems, no creaking, no gaps, no buckling, noth...
by tacster
Tue Nov 25, 2014 4:56 pm
Forum: Personal Consumer Issues
Topic: Favorite nonfiction books
Replies: 117
Views: 11429

Re: Favorite nonfiction books

Unbroken is undoubtedly one of mine, and it's on sale for the Kindle today for $3. I plan to see the movie with my parents on Christmas Day. Same here. Read that book early this year and I am still in awe of that book. Probably the best book I've read in my lifetime. In the same vein check out &quo...
by tacster
Tue Nov 18, 2014 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Heads up one of the better reward credit card I've seen.
Replies: 54
Views: 13628

Re: Heads up best reward credit card I've seen.

rai wrote:... we spend $10,000 in gas a year...

:shock:

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