Search found 100 matches

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: 1059

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: 961

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: 961

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: 2081

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: 1426

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: 5552

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: 6534

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: 3286

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: 1595

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 Kai...
by 3feetpete
Mon Jun 12, 2017 9:59 pm
Forum: Personal Consumer Issues
Topic: Anyone enrolled in Part B of Medicare?
Replies: 25
Views: 1595

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 sa...
by 3feetpete
Mon Jun 12, 2017 9:26 pm
Forum: Personal Consumer Issues
Topic: Dehumidifier woes
Replies: 66
Views: 4979

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: 3392

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: 3918

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: 3172

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: 805

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: 1320

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: 1570

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: 801

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: 10556

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: 4896

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: 2690

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: 728

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: 1047

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: 3269

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: 3945

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: 8860

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: 10779

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: 10779

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: 2379

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: 4706

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: 3109

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: 6341

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: 3382

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: 2601

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...
by 3feetpete
Wed Jul 20, 2016 9:10 pm
Forum: Personal Consumer Issues
Topic: LED lights or bulbs
Replies: 21
Views: 2571

Re: LED lights or bulbs

I had two LED bulbs fail within a year. I went to the manufacturers website and filed a complaint online. They replaced not only the two that failed but also the other two that had bought at the same time that had not yet failed. Later on I found that the manufacturer apparently knew they had a prob...
by 3feetpete
Mon Jul 04, 2016 7:23 am
Forum: Personal Consumer Issues
Topic: Condo vs Townhouse Living
Replies: 35
Views: 5183

Re: Condo vs Townhouse Living

I have both a condo for a vacation home and a townhouse for a primary residence and I like them both. Find the place that you want in the area that you want. A lot will depend on what is available in your area. Everything else being equal, be sure to check what the HOA's are. My townhouse HOA's are ...
by 3feetpete
Thu Jun 09, 2016 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Company Being Acquired - Any Advice?
Replies: 51
Views: 6932

Re: Company Being Acquired - Any Advice?

Regarding erosion of pay and benefits. That will depend on how your companies compensation structure compares to theirs. If they are comparable then you shouldn't see much change. If they are lower, you can expect a gradual erosion in yours until you reach parity. Your health and pension benefits wi...
by 3feetpete
Sat May 21, 2016 9:12 pm
Forum: Investing - Theory, News & General
Topic: preffered stock ETFs for income during retriemt
Replies: 7
Views: 1034

preffered stock ETFs for income during retriemt

What do Bogleheads think of preferred stock ETFs, ishares PFF or similar in a IRA for income during retirement. 5.8% yield. Recognizing that they will go up or down as stocks and probably have some sector risk as well since they are heavy in banks. But what problem is volatility if all you are looki...
by 3feetpete
Tue Apr 26, 2016 1:21 pm
Forum: Personal Consumer Issues
Topic: Honda Accord or Subaru Legacy
Replies: 52
Views: 4889

Re: Honda Accord or Subaru Legacy

If you are considering a used car, consider a Hyundai. I have rented several times while on trips and been impressed. they have a long warranty period and on the used car market they are less expensive than Honda because the buying public has not caught up to the fact that they are good cars.
by 3feetpete
Tue Apr 26, 2016 1:21 pm
Forum: Personal Consumer Issues
Topic: Honda Accord or Subaru Legacy
Replies: 52
Views: 4889

Re: Honda Accord or Subaru Legacy

If you are considering a used car, consider a Hyundai. I have rented several times while on trips and been impressed. they have a long warranty period and on the used car market they are less expensive than Honda because the buying public has not caught up to the fact that they are good cars.
by 3feetpete
Tue Apr 26, 2016 1:17 pm
Forum: Personal Consumer Issues
Topic: Honda Accord or Subaru Legacy
Replies: 52
Views: 4889

Re: Honda Accord or Subaru Legacy

Oil leaks they are what makes a Subaru a Subaru. I have owned two Subarus and two Hondas and I will never own another Subaru. Both Subarus developed oil leaks and other expensive issues at around 100k miles. I did like the awd on the subarus but good tires on a fwd are more than adequate in most are...
by 3feetpete
Fri Apr 22, 2016 7:49 pm
Forum: Personal Consumer Issues
Topic: Wintering in Australia - Any Financial Tips or Others ?.....
Replies: 10
Views: 1653

Re: Wintering in Austraila - Any Financial Tips or Others ?.....

I spent a few weeks in Brisbane a few years ago. There is no tipping, not waitresses or cab drivers ...none. Minimum wage 5 years ago was $18.50/hr so the person serving you coffee in the morning is making something over that. Everything is very expensive commensurate with the minimum wage and high ...
by 3feetpete
Sat Apr 09, 2016 3:02 pm
Forum: Personal Consumer Issues
Topic: fraud detection algorithm for Capitol One credit cards
Replies: 17
Views: 1593

Re: fraud detection algorithm for Capitol One credit cards

I've had a Capital One Card for many years and have been impressed by their fraud detection. They have caught fraudulent activity on my cards several times and always been right
by 3feetpete
Sat Mar 19, 2016 7:46 pm
Forum: Personal Consumer Issues
Topic: Home Warranty Worth it With Aging Furnace/AC?
Replies: 26
Views: 3524

Re: Home Warranty Worth it With Aging Furnace/AC?

The home warranty company won't give you a choice of replacements. You will get the cheapest unit available without regard for efficiency, reliability, or noise. They may give you a cash settlement if you decline the make/model they offer but the amount will be a fraction of what it costs.
by 3feetpete
Thu Mar 03, 2016 4:37 pm
Forum: Personal Consumer Issues
Topic: Rental car in Italy
Replies: 31
Views: 3442

Re: Rental car in Italy

You can use your phone for gps without getting a data plan. You can download the entire country from Sygic and then your phone will work like a standalone gps. I did so with Spain a couple of years ago and it worked great. Spains maps required about 400 mb of space on my phone.
by 3feetpete
Sat Feb 13, 2016 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Vacation Homes
Replies: 78
Views: 11534

Re: Vacation Homes

I've owned a vacation home on the coast in Maryland since 2001 and we use it a lot. Almost every weekend between May and October and two weeks of vacations. I consider the expenses and taxes as my vacation budget. Meanwhile it has doubled in value. What's not to like? I think it is important to get ...
by 3feetpete
Sat Feb 13, 2016 1:02 pm
Forum: Personal Consumer Issues
Topic: How best to transfer vehicle to son who is moving to WA
Replies: 22
Views: 6494

Re: How best to transfer vehicle to son who is moving to WA

You might be able to get around the sales tax by transferring to your son in your home state and waiting a few months. I don't know about Washington State but I've researched it for my daughter who is moving to Chicago and in Illinois there is no sales tax if you own the vehicle 3 months before the ...
by 3feetpete
Sat Jan 23, 2016 6:21 pm
Forum: Personal Consumer Issues
Topic: Seeking internet and phone plans for snow birds
Replies: 10
Views: 1480

Re: Seeking internet and phone plans for snow birds

You should look into the Verizon Myfi plans. It comes with a small jetpack (smaller than a deck of cards) that gives you a personal 4g wifi hotspot that you can connect any computer to. I have one that my company provides me for when I travel and it works well. Better than most hotel wifi services a...
by 3feetpete
Mon Nov 30, 2015 9:32 pm
Forum: Personal Consumer Issues
Topic: Subaru Blues
Replies: 103
Views: 15828

Re: Subaru Blues

I've had two Subarus and will never have one again. Both had multiple major mechanical issues around 100K miles despite regular oil changes etc. Each cost around $5k. My current Subaru is a 2006 outback. At a little over 100K I had to redo the shocks and struts, The head gasket is leaking oil and th...
by 3feetpete
Sun Nov 01, 2015 6:31 pm
Forum: Personal Consumer Issues
Topic: Home warranties - worth it?
Replies: 14
Views: 1802

Re: Home warranties - worth it?

Home warranties are a good deal if someone else pays for it but not so good if you have to shell out the money. I had a home warranty come with a house I bought two years ago and they replaced the gas furnace when it broke. The home warranty saved me money and I have no major complaint against the c...