Search found 116 matches

by 3feetpete
Sat Oct 14, 2017 10:39 am
Forum: Personal Consumer Issues
Topic: New mattress
Replies: 33
Views: 2660

Re: New mattress

I bought a Casper mattress and both wife and I love it. My wife's back doesn't hurt anymore and she has noticed I snore less. You really can't go wrong with them. The price is right and you get to try it for 100 days. If you don't like it they give you a full refund and come pick the mattress up fro...
by 3feetpete
Wed Oct 11, 2017 6:04 am
Forum: Personal Consumer Issues
Topic: WiFi [extender]
Replies: 55
Views: 4109

Re: WiFi

I have a Linksys extender and it works fine. Try experimenting with the location of the extender. It could be either the extender is too far from the router or the extender is too far from your computer. The extender should be about half way in between.
by 3feetpete
Wed Oct 04, 2017 6:14 am
Forum: Personal Finance (Not Investing)
Topic: Do you foresee a drop in housing prices in the next 5 years
Replies: 53
Views: 5324

Re: Do you foresee a drop in housing prices in the next 5 years

Too many variables to make a prediction although many will try. It will be interesting to see what effect if any the presidents tax plan will have. Eliminating the state and local tax deduction could make home ownership less attractive in areas where these taxes are high. On the other hand, a boomin...
by 3feetpete
Sat Sep 30, 2017 8:45 pm
Forum: Personal Consumer Issues
Topic: What will happen if I refuse to pay a medical bill?
Replies: 125
Views: 7362

Re: What will happen if I refuse to pay a medical bill?

What will happen is that your credit will go down. The last time I got a mortgage on a house I was flagged for a long forgotten medical bill and had to pay it before the financing would proceed.
by 3feetpete
Wed Sep 06, 2017 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: How do you track expenses ?
Replies: 58
Views: 3598

Re: How do you track expenses ?

I use Mint. It is very convenient and easy to use. I have linked it only to my credit cards and checking account. Not to my investments. It automatically categorizes credit card expenses and is correct 95% of the time. Adding a category to a check or changing a category on a credit card transaction ...
by 3feetpete
Tue Sep 05, 2017 1:05 pm
Forum: Investing - Theory, News & General
Topic: Do retiree BHs actually run down their portfolios?
Replies: 73
Views: 8213

Re: Do retiree BHs actually run down their portfolios?

I retired three months ago and am not planning to take SS until for 4 1/2 years when I reach 70. At that point non discretionary spending will be covered by SS and a small pension. In the meantime I have resigned myself to the possibility that my portfolio may decline until I begin drawing SS. I am ...
by 3feetpete
Fri Sep 01, 2017 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: Facing a setback
Replies: 19
Views: 2127

Re: Facing a setback

You can get a good used tire installed for about $50 Try local junk yards for your oil pan. They are fairly sophisticated now and have computerized inventory control. I recently went to one for the first time since college and saved a bunch on a heater blower. Check with your mechanic first to make ...
by 3feetpete
Tue Aug 29, 2017 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: how to calculate whether to pay off mortgage
Replies: 21
Views: 2398

Re: how to calculate whether to pay off mortgage

For many people the mortgage interest deduction doesn't help after retirement because it means that they have to take more money from IRA's and 401K to pay for the mortgage. This increases their taxable income and the interest portion of the mortgage payment only partially offsets the increase in in...
by 3feetpete
Fri Aug 25, 2017 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: Living Expenses - what's "reasonable"?
Replies: 101
Views: 9028

Re: Living Expenses - what's "reasonable"?

I recently retired and found it very helpful to track my actual expenses using Mint. I tracked credit cards and checking account transactions then adjusted up to account for things that were paid via payroll deductions (income tax and healthcare) The results surprised me. Because I have no debt, I c...
by 3feetpete
Fri Aug 25, 2017 5:22 am
Forum: Personal Consumer Issues
Topic: Quietest tire for 2017 Honda CRV?
Replies: 32
Views: 5121

Re: Quietest tire for 2017 Honda CRV?

I can't make a specific recommendation but my experience is that longer lasting tires tend to be more noisy. I had some 75,000 mile Michelins on my Honda Pilot and they were very noisy. And they got even louder as they aged and the rubber hardened even more. Got some inexpensive Goodyears and the di...
by 3feetpete
Thu Aug 24, 2017 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Rental car in Spain
Replies: 14
Views: 649

Re: Rental car in Spain

I rented a small car in Spain a few years ago. Worked fine for the 3 of us. Concur with statements about the narrow roads. Some were even too narrow for my small rental. And the GPS doesn't steer you clear of the narrow roads. Speaking of GPS You can buy the complete maps for Spain on Sygic. Downloa...
by 3feetpete
Wed Aug 23, 2017 5:14 pm
Forum: Personal Consumer Issues
Topic: Credit Card for Student with no credit history
Replies: 9
Views: 573

Re: Credit Card for Student with no credit history

When my daughter went to college five years ago I got her a Wells Fargo College Card. No restrictions on it just a low limit It had a chip and pin feature on it which came in handy when she spent time abroad. When she graduated it transformed to a regular Visa credit card. She is 23 now and has an e...
by 3feetpete
Wed Aug 23, 2017 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for college with 529 money
Replies: 14
Views: 1039

Re: Paying for college with 529 money

I was willing to, and could afford to pay the difference between what a top private school cost after scholarships and what was in her 529 plan. I offered to pay for her to travel if she went in state to the University of Maryland. She knows a good deal when she sees one and opted to go to the Unive...
by 3feetpete
Tue Aug 22, 2017 8:56 am
Forum: Personal Finance (Not Investing)
Topic: School Redistricting - What should we do?
Replies: 96
Views: 7376

Re: School Redistricting - What should we do?

The wait and see plan makes sense to me. Within a school district the curriculum and teacher quality should be fairly consistent. What varies from school to school is the makeup of the student body. Statistically, lower income kids don't do as well on SAT's and other standardized tests as middle and...
by 3feetpete
Tue Aug 22, 2017 7:13 am
Forum: Personal Consumer Issues
Topic: Can you recommend a good mouse trap?
Replies: 44
Views: 2276

Re: Can you recommend a good mouse trap?

Any snap trap that can be bought at your local hardware store or supermarket will work. Use peanut butter. Place it along walls where mice like to run. A little practice and you will be able to set it with a hair trigger so that the mouse won't steal the bait.
by 3feetpete
Tue Aug 22, 2017 7:07 am
Forum: Personal Finance (Not Investing)
Topic: Cash vs bonds in retirement
Replies: 18
Views: 1098

Cash vs bonds in retirement

I have read several posts where members say part of their asset allocation includes a years expenses in cash equivalents. At todays interest rates that seems a lot of money that is not working for you. What is the advantage in that as opposed to having it in a bond fund to be sold as needed?
by 3feetpete
Sat Aug 12, 2017 6:05 pm
Forum: Investing - Help with Personal Investments
Topic: DC 529 Plan vs other states'
Replies: 17
Views: 1188

Re: DC 529 Plan vs other states'

This is off topic from OP's post but my understanding is that a DC resident is entitled to in state rates at any state. I got this from a UNC undergraduate student from DC. I don't know if this is applicable to graduate students but if that is the case it may be a good reason to maintain DC residence.
by 3feetpete
Thu Aug 10, 2017 9:13 pm
Forum: Personal Consumer Issues
Topic: foursquare laptop warranty for college bound daughter
Replies: 17
Views: 1084

Re: foursquare laptop warranty for college bound daughter

Regarding theft which wouldn't be covered under warranty. When my daughter went to college a few years ago I was able to get a rider on my homeowners policy to cover theft or loss. It was only $25/ year. I bought her an Apple through the school with a 4 year warranty. 5 years later it's still going ...
by 3feetpete
Thu Aug 10, 2017 3:13 pm
Forum: Personal Consumer Issues
Topic: foursquare laptop warranty for college bound daughter
Replies: 17
Views: 1084

Re: foursquare laptop warranty for college bound daughter

I would advise against it. College kids are always in the middle of some long term project or another and if your daughters computer goes down she is going have to get it repaired or replaced within hours not days. I don't know how foursquare manages it's computer warranty but I am betting that ther...
by 3feetpete
Fri Jul 28, 2017 4:32 pm
Forum: Investing - Theory, News & General
Topic: Are any advisors not self serving
Replies: 25
Views: 2190

Are any advisors not self serving

hacker258 initiated a thread about a particularly reprehensible piece of advice that a financial advisor had given. Some of my friends have gotten really bad advice as well. An example is a friend of mine who is a high earner and not retired was advised to start taking SS at 62. To me this is self s...
by 3feetpete
Fri Jul 28, 2017 10:28 am
Forum: Personal Consumer Issues
Topic: Is this rental house/vacation property be worth considering?
Replies: 22
Views: 1520

Re: Is this rental house/vacation property be worth considering?

Vacation properties only make sense if you can use them frequently. At 6 hours away that is unlikely. I have owned a condo at the beach for 15 years and consider it to have been a great investment. But it is only 2 hrs away and I use it most weekends between May and October plus two full weeks in th...
by 3feetpete
Tue Jul 25, 2017 6:30 am
Forum: Personal Consumer Issues
Topic: State Farm vs Penn National- auto, renters, umbrella?
Replies: 58
Views: 5812

Re: Why does State Farm have poor reviews?

I used State Farm for about 25 years for Auto, Home and umbrella and had no issues with the couple of claims I had with them. What put me off of them was their pricing which kept creeping up at a rate much faster than others. It seemed they were just seeing how much increase they could get away with...
by 3feetpete
Fri Jun 23, 2017 8:06 am
Forum: Personal Finance (Not Investing)
Topic: Co-workers advising to buy house RIGHT NOW
Replies: 63
Views: 6939

Re: Co-workers advising to buy house RIGHT NOW

People talk like that come during a hot market. That is a time for caution. If you expect to live in the house for a long time (10 years or more) then the need for caution is less. If you think you might be in it for only a few years, then extreme caution is required. There are no guarantees though....
by 3feetpete
Tue Jun 13, 2017 6:28 am
Forum: Personal Consumer Issues
Topic: Highlander vs. Pilot
Replies: 30
Views: 3758

Re: Highlander vs. Pilot

I have a 2007 Pilot with 195k on it. It's been a very good car. The only thing that went wrong so far is the alternator went out at 160k. It is a bit noisy although I understand later models are better. Gas mileage only 18 to 20 mpg.
by 3feetpete
Tue Jun 13, 2017 6:17 am
Forum: Personal Consumer Issues
Topic: Anyone enrolled in Part B of Medicare?
Replies: 25
Views: 1806

Re: Anyone enrolled in Part B of Medicare?

Yes the plans that dm200 wrote of are medigap plans. Mike Colson wrote a very good book called "Imagine understanding your Medicare" Available on Kindle and elsewhere. He seems to make a distinction between the supplemental plans and the medigap plans that manage the costs more such as Kaiser. I've ...
by 3feetpete
Mon Jun 12, 2017 9:59 pm
Forum: Personal Consumer Issues
Topic: Anyone enrolled in Part B of Medicare?
Replies: 25
Views: 1806

Re: Anyone enrolled in Part B of Medicare?

In order to get "everything" covered you have to sign up for Parts A and B and then get supplemental plans. For supplemental plans many people get either Plan F or G which are the most comprehensive and plan D to cover prescriptions. If you don't expect many medical bills then you could save money a...
by 3feetpete
Mon Jun 12, 2017 9:26 pm
Forum: Personal Consumer Issues
Topic: Dehumidifier woes
Replies: 66
Views: 5439

Re: Dehumidifier woes

I have one by Friedrich that has run for several years without problem. The tank has a hose connection on it so you have the option to set it up high and gravity drain into a sink instead of having to empty the tank. That's the way I have it set up. They also have modes with built in drain pumps.
by 3feetpete
Wed May 24, 2017 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity customer protection guarantee-void if you use Mint?
Replies: 39
Views: 3730

Re: Fidelity customer protection guarantee-void if you use Mint?

I agree with most of the comments about not sharing passwords. I do use Mint to track my spending only. For that I only need give them my info on my credit card and my checking account. Not much money in the checking account and the credit card has it's own protections. I get notified whenever a cha...
by 3feetpete
Fri May 12, 2017 3:06 pm
Forum: Personal Consumer Issues
Topic: Price for brakes and rotors?
Replies: 73
Views: 4301

Re: Price for brakes and rotors?

I recently had front brakes done on Honda Pilot for less than $100. It took the mechanic about 15 minutes. I've always suspected that the rotor machining or replacing is just a total ripoff designed to justify a higher bill. I have no proof, just that when I go to the dealer, the rotor always needs ...
by 3feetpete
Mon May 08, 2017 1:49 pm
Forum: Personal Consumer Issues
Topic: Expat Retirement Location with Health Care Eligibility
Replies: 30
Views: 3335

Re: Expat Retirement Location with Health Care Eligibility

Medicare would cover you in any US territory so that would include Puerto Rico US Virgin Islands and several others. See link below

https://www.medicare.gov/Pubs/pdf/11037 ... d-Stat.pdf
by 3feetpete
Tue Apr 04, 2017 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Advice needed Gifting a car to a daughter who is moving out of state
Replies: 12
Views: 839

Re: Advice needed Gifting a car to a daughter who is moving out of state

Just went through this with my daughter. All she needed in Missouri was a title signed away by me. All she had to pay was Missouri's registration fee. If she had titled it at home first and then done it in Missouri she would end up paying the registration fees in both places. But you have to be care...
by 3feetpete
Fri Mar 31, 2017 10:16 pm
Forum: Investing - Help with Personal Investments
Topic: New to the Forum-Totally lost in regards to how much $ I need to retire
Replies: 15
Views: 1349

Re: New to the Forum-Totally lost in regards to how much $ I need to retire

I am only a year from retirement and realized recently that I could easily retire now. I don't need anywhere near the percentages that the retirement calculators say. I tracked my real expenses on Mint. It was very simple. Just link credit cards and checking. Set up budgets and Mint categorizes most...
by 3feetpete
Fri Mar 31, 2017 9:40 pm
Forum: Personal Consumer Issues
Topic: At what age were your kids potty trained?
Replies: 16
Views: 1648

Re: At what age were your kids potty trained?

3 is pretty typical. It's just the natural progression of thing and I don't know tricks are necessary. One thing though, when on a long trip, keep the potty handy. When they say they have to go you have about 15 seconds. If you have a SUV keep a spare potty in the back and when you need to, pull ove...
by 3feetpete
Fri Mar 03, 2017 6:49 pm
Forum: Personal Consumer Issues
Topic: Crazy shipping boxes for small items
Replies: 7
Views: 842

Re: Crazy shipping boxes for small items

My craziest was when I ordered a small medicine cabinet. It weighed at most 15 lbs and it arrived in an oversized box mounted on a brand new wood shipping pallet. They only charged me a few dollars for the shipping so I am sure they lost money on the whole thing. I was stuck with getting rid of the ...
by 3feetpete
Thu Feb 16, 2017 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: Fearful Investor and Close to Retirement
Replies: 77
Views: 10896

Re: Fearful Investor and Close to Retirement

You have no need to be fearful. You have made it. Congratulations! The best safest investment you can make is to retire when you want but not take SS until you are 70. When you do start collecting SS at 70 the amount you receive will be increased by 8% for every year you delay. So you would be using...
by 3feetpete
Sat Feb 04, 2017 8:01 pm
Forum: Personal Consumer Issues
Topic: Disney Cruise instead of Disney World?
Replies: 45
Views: 5008

Re: Disney Cruise instead of Disney World?

We did a combination cruise and Disney world vacation with our daughter when she was about that age. I think it was 4 days cruise 3 days Disney World. she loved both parts of the vacation. so did we!
by 3feetpete
Sat Feb 04, 2017 7:57 pm
Forum: Personal Consumer Issues
Topic: What bulk nuts do you buy and from where?
Replies: 26
Views: 2876

Re: What bulk nuts do you buy and from where?

BJ's for raw walnuts, almonds and pecans. Their prices are about half of the supermarket cost.
by 3feetpete
Sun Jan 29, 2017 11:18 am
Forum: Personal Consumer Issues
Topic: A skylight without rubber gasket was installed
Replies: 3
Views: 738

Re: A skylight without rubber gasket was installed

If the drywall is saturated it is probably no good and should be replaced. I had a leaky skylight replaced by a roofer and repaired the drywall myself. I replaced some of the drywall and removed a couple of small areas and patched with vinyl spackle. The whole thing only took a couple of hours. Two ...
by 3feetpete
Tue Jan 24, 2017 8:04 pm
Forum: Personal Consumer Issues
Topic: Vinyl siding - what is the green growth & how to clean?
Replies: 8
Views: 1185

Re: Vinyl siding - what is the green growth & how to clean?

Spray a mix of bleach and water on it using a garden sprayer. Let it sit a while then hose it off. It works like a charm. I have done this myself and it hasn't affected the siding. I don't recall the exact mix I used. I just sort of poured maybe a cup of bleach into 3 gallons of water. As a precauti...
by 3feetpete
Mon Jan 16, 2017 9:07 pm
Forum: Investing - Theory, News & General
Topic: Target Date Fund - Retirement Years
Replies: 29
Views: 3373

Re: Target Date Fund - Retirement Years

Assuming you plan to draw down your retirement accounts during retirement, the use of td funds will limit your ability to select what asset class to draw down. If for example there is a stock market crash during early retirement, the td funds will drop as well. Not as much as the general market but ...
by 3feetpete
Mon Jan 02, 2017 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Car for Teen next year...new vs used?
Replies: 50
Views: 4020

Re: Car for Teen next year...new vs used?

I agree with getting low mileage car with modern safety features for a teenager. Stability assist is still an option on many models but something a teenager should have. Many teenagers get into single vehicle accidents due to loss of control. Stability assist prevents some 40% of them. Your problem ...
by 3feetpete
Tue Dec 20, 2016 9:56 pm
Forum: Personal Consumer Issues
Topic: Hard Endeavor/Exercise in Middle Age
Replies: 118
Views: 9243

Re: Hard Endeavor/Exercise in Middle Age

You are right to seek something that you like to do. If you don't like doing something you won't keep it up. Rugby and other contact sports would not be a good choice. You may be able to do them now but in a few years your body would break down and you would be left with nothing. Other criteria you ...
by 3feetpete
Mon Dec 19, 2016 10:47 pm
Forum: Personal Consumer Issues
Topic: Can I get a little house or townhouse for under $400K in Maryland or Virginia?
Replies: 112
Views: 11038

Re: Can I get a little house or townhouse for under $400K in Maryland or Virginia?

Forgot to mention. I have never heard my neighbors on either side. Concrete block walls.
by 3feetpete
Mon Dec 19, 2016 10:42 pm
Forum: Personal Consumer Issues
Topic: Can I get a little house or townhouse for under $400K in Maryland or Virginia?
Replies: 112
Views: 11038

Re: Can I get a little house or townhouse for under $400K in Maryland or Virginia?

I own a townhome in a community that fits your budget in Annapolis. 2000 sq ft. single car garage, low utilities low HOA and reasonable taxes, waterfront access with a community kayak dock and walking trails. Townhomes built around 2002. Nice mix of young families and retirees. There are a couple of...
by 3feetpete
Sat Dec 17, 2016 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Getting a college scholarship
Replies: 26
Views: 2458

Re: Getting a college scholarship

Most scholarships require showing financial need as well as academic excellence. The main exception to that is scholarships offered by the colleges during the application process. For those the student has to have something they want. Most often it is an academic record that is much higher than thei...
by 3feetpete
Tue Nov 22, 2016 9:03 pm
Forum: Personal Consumer Issues
Topic: Living near a Quarry
Replies: 26
Views: 5303

Re: Living near a Quarry

I would steer clear of it. If you are asking questions about it so will future potential buyers. Plus you never know what will happen in the future if it is re-zoned. If you are still considering it you should know that some quarries aren't as bad as others. A hard rock quarry will mine the rock by ...
by 3feetpete
Thu Oct 27, 2016 11:46 am
Forum: Personal Consumer Issues
Topic: Just released ratings steering me from Legacy to Camry
Replies: 35
Views: 3193

Re: Just released ratings steering me from Legacy to Camry

I have a used Subaru Outback :annoyed with 115k on it I'd love to sell you. It leaks oil and will cost $700 to fix the radio but other than that it is fine. It has a new front end and a new air conditioner on it.
by 3feetpete
Tue Sep 27, 2016 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: Reason NOT to wait past 66 to take Social Security
Replies: 48
Views: 6520

Re: Reason NOT to wait past 66 to take Social Security

Another way to look at it. From my ssa.com At full retirement age (66): $2,723 a month At age 70: $3,622 a month So if I wait until 70 I will give up 48 months of 2723 per month or 130,704 But at 70 I will get $899 per month more or 10,788 per year. If we assume a safe withdrawal rate of 4% it would...
by 3feetpete
Tue Aug 30, 2016 3:45 pm
Forum: Personal Consumer Issues
Topic: My beloved Subaru just bit the dust...now what?
Replies: 27
Views: 3523

Re: My beloved Subaru just bit the dust...now what?

Consider a used Hyundai. 10 year warranty and used they are a better value than Japanese cars that historically have high resale values. High resale value is a negative for you if you are buying the used car.
by 3feetpete
Wed Aug 24, 2016 11:33 am
Forum: Personal Finance (Not Investing)
Topic: how much should I shoot for as a contractor
Replies: 19
Views: 2685

Re: how much should I shoot for as a contractor

2x is probably a good number. I assume x is what you are paid now so it is already adjusted for field you are in and local cost of living. You probably cost your company 1.5x by the time they pay for insurance, payroll tax, workmans comp etc. As a contractor they are not guaranteeing you 40 hrs a we...