Search found 144 matches

by 3feetpete
Sat Dec 16, 2017 7:42 am
Forum: Personal Consumer Issues
Topic: Takata Airbag Class Action Settlement
Replies: 21
Views: 1910

Re: Takata Airbag Class Action Settlement

I owned two cars subject to the recall and had to take them both in twice for two separate airbag recalls. That's a lot of inconvenience to me and if I get a few dollars to recompense me for that inconvenience so be it. I am not going to worry about it either way. Two months ago I received a check f...
by 3feetpete
Thu Dec 14, 2017 5:37 pm
Forum: Personal Consumer Issues
Topic: Honda Pilot vs Toyota Highlander?
Replies: 83
Views: 15680

Re: Honda Pilot vs Toyota Highlander?

I have a 2007 Pilot with 200k miles on it that is still going strong and other than the brakes, timing belt and other maintenance items the only thing I have replaced was the alternator and a heater fan both around 180K miles I have driven Highlanders and they seem fine but a little smaller than my ...
by 3feetpete
Tue Dec 12, 2017 11:21 am
Forum: Personal Consumer Issues
Topic: Snow Tires? Worth it?
Replies: 147
Views: 6092

Re: Snow Tires? Worth it?

Buy snow tires and it's guaranteed not to snow in your area this year. That is what happened to me last year. :)
by 3feetpete
Mon Dec 11, 2017 11:49 am
Forum: Personal Consumer Issues
Topic: Kerosene Heater (for power-out emergencies)
Replies: 33
Views: 1681

Re: Kerosene Heater (for power-out emergencies)

I used a kerosene heater for a few weeks in a temporary office trailer. It smelled, I don't think I would like it in a house where carpet and furnishings might retain the smell. I think propane would be better. Or better still, natural gas if you have it in your house.
by 3feetpete
Sat Dec 09, 2017 11:34 pm
Forum: Personal Consumer Issues
Topic: Espresso Machine suggestions?
Replies: 41
Views: 2601

Re: Espresso Machine suggestions?

+1 for Mr Coffee Espresso
by 3feetpete
Sat Dec 09, 2017 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Why am I still scared ? Is it actually normal ?
Replies: 81
Views: 12971

Re: Why am I still scared ? Is it actually normal ?

The only way to tame worry is to take some action about it. If it is about finances then make a plan to address that and implement it. Your body will immediately release endorphins and you will feel better for it. But then you may have doubts that you are doing the right thing. Know that everybody m...
by 3feetpete
Wed Dec 06, 2017 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Question about Medicare Part D selection for my Mother in Law
Replies: 23
Views: 1449

Re: Question about Medicare Part D selection for my Mother in Law

I would go with the lowest yearly priced insurance that Medicare.gov finds for her. If a new medicine is required, most likely that insurance will be fairly competitive. If it isn't you will only be locked into that insurance company until this time next year at which point you can use Medicare.gov ...
by 3feetpete
Wed Dec 06, 2017 1:20 pm
Forum: Personal Consumer Issues
Topic: working in the oil fields as a mechanic.
Replies: 21
Views: 2099

Re: working in the oil fields as a mechanic.

It's pretty much boom or bust from what I could see. Never worked in it but traveled through Williston ND several times during the last boom. I remember a guy wearing a sweatshirt that said " Lord, please let this boom last and I promise not to piss the money away this time". The whole thing was sur...
by 3feetpete
Wed Dec 06, 2017 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Timing the housing market
Replies: 32
Views: 2083

Re: Timing the housing market

I've been through it several times and bought at highs and lows. If you stay in a place ten years you should be okay. Never listen to a realtor about timing. They always think it is a good time to buy. At this point in time I would take a wait and see attitude until the effects of tax reform are kno...
by 3feetpete
Wed Dec 06, 2017 12:20 pm
Forum: Personal Consumer Issues
Topic: Cat sitter info
Replies: 21
Views: 1027

Re: Cat sitter info

I pay $20 per visit in Annapolis Md Daughter pays $10 per visit in Kansas City MO
by 3feetpete
Tue Dec 05, 2017 6:23 pm
Forum: Personal Consumer Issues
Topic: 2018 Subaru Outback
Replies: 65
Views: 8413

Re: 2018 Subaru Outback

I have owned two earlier model Subaru's . The AWD is great but both required significant repairs at 100k miles The older models required head gasket replacements around 100k the later models have issues with oil consumption as one of the previous posts indicated. Many owners complain about using a q...
by 3feetpete
Mon Dec 04, 2017 2:20 pm
Forum: Investing - Help with Personal Investments
Topic: A " Bond Tent" During the "Retirement Red Zone?"
Replies: 52
Views: 4673

Re: A " Bond Tent" During the "Retirement Red Zone?"

While most of the threads on this site concentrate on maximizing investments while minimizing risk. It is also important to consider the other side of the equation, the cost to live comfortably. Managing your future costs as you entire the red zone can also play a major role in limiting your sequenc...
by 3feetpete
Sun Dec 03, 2017 6:37 pm
Forum: Investing - Help with Personal Investments
Topic: A " Bond Tent" During the "Retirement Red Zone?"
Replies: 52
Views: 4673

Re: A " Bond Tent" During the "Retirement Red Zone?"

For someone retiring 5 years from now the bond tent probably makes sense because we are at historically high stock values. However for someone retiring now, had they adopted the bond tent 5 or ten years ago, they would have missed out on this amazing bull run. I just retired 6 months ago and am very...
by 3feetpete
Sun Dec 03, 2017 10:02 am
Forum: Personal Consumer Issues
Topic: Any websites to help find a great doctor?
Replies: 36
Views: 2445

Re: Any websites to help find a great doctor?

I don't know how to find a good urologist but the best way to select an orthopedic surgeon is to get to know a physical therapist because they see the results of all the surgeons in their area. I used healthgrades to select an orthopedic surgeon recently and am happy with my choice. Maybe I got luck...
by 3feetpete
Sat Dec 02, 2017 7:07 pm
Forum: Personal Consumer Issues
Topic: Electric Car (Nissan Leaf) for a teen driver?
Replies: 43
Views: 3117

Re: Electric Car (Nissan Leaf) for a teen driver?

Wow I didn't realize they depreciated that much. Buying a used Leaf certainly changes the economics but I don't know how you would factor in the battery fade issue and how many years or miles you should get before the batteries need replacement. Have you researched the longevity of the Leaf batterie...
by 3feetpete
Sat Dec 02, 2017 5:33 pm
Forum: Personal Consumer Issues
Topic: How to convince DW that high miles used car is OK
Replies: 106
Views: 6656

Re: How to convince DW that high miles used car is OK

If your wife only drives locally a high mileage car is okay but not if she takes any trips At 150 k miles a car even a Toyota could be expected to break down without warning. My Honda alternator went to out at 160k miles and left me stranded. If you do get a high mileage car make sure the timing bel...
by 3feetpete
Sat Dec 02, 2017 5:19 pm
Forum: Personal Consumer Issues
Topic: Electric Car (Nissan Leaf) for a teen driver?
Replies: 43
Views: 3117

Re: Electric Car (Nissan Leaf) for a teen driver?

I just looked up the MSRP of the Leaf 32k Your insurance on that with a teen driver will be astronomical
by 3feetpete
Sat Dec 02, 2017 4:52 pm
Forum: Personal Consumer Issues
Topic: Electric Car (Nissan Leaf) for a teen driver?
Replies: 43
Views: 3117

Re: Electric Car (Nissan Leaf) for a teen driver?

So if each daughter drives it for 2 years at 7,000 miles per year they will have combined to put only 42,000 miles on the car. Assuming a gasoline car would have averaged 25 mpg that would be 1,680 gal of gas at $2.50/gal that would almount to $4,200 in gas. So getting an electric car would save 4,2...
by 3feetpete
Sat Dec 02, 2017 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: How do I convince my employees to invest more?
Replies: 92
Views: 5162

Re: How do I convince my employees to invest more?

Do not try to convince anybody to invest. This can create bad blood if the investments decline. See if the company that manages your plan has an outreach program. They will send a rep into your business to explain the benefits. They can be very persuasive while keeping you at arms length from the ch...
by 3feetpete
Sat Dec 02, 2017 11:54 am
Forum: Personal Consumer Issues
Topic: Electric Car (Nissan Leaf) for a teen driver?
Replies: 43
Views: 3117

Re: Electric Car (Nissan Leaf) for a teen driver?

Bad idea. Your teen won't have anywhere to charge it when they go away to college. And you dont know how farcollege will be away. Teens typically only drive 7,000 miles or so a year : You will not save enough on gas to make up for the high purchase price and insurance costs for a more expensive car....
by 3feetpete
Wed Nov 29, 2017 5:31 pm
Forum: Personal Consumer Issues
Topic: Best strategy for selling cell phone on Ebay?
Replies: 33
Views: 1820

Re: Best strategy for selling cell phone on Ebay?

I sold 3 on Gazelle recently and was very pleased. No hassle and prompt payment. They even paid more than their quoted amount after they inspected them and found them in better than good condition.
by 3feetpete
Wed Nov 29, 2017 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Is this market timing?
Replies: 8
Views: 562

Is this market timing?

I retired at six months ago at 65. I don't plan to collect SS until 70 at which time SS and a small pension will cover most of my expenses. I own my home and have no debt. My AA at the time I retired was 75/25 stocks/bonds. That is fairly aggressive for many on this forum but I was okay with it beca...
by 3feetpete
Wed Nov 29, 2017 11:49 am
Forum: Personal Consumer Issues
Topic: new dehumidifier?
Replies: 9
Views: 579

Re: new dehumidifier?

I have a Freidrich that has been in continuous use for years and I am very happy with it. Besides having a removable tank it can gravity drain through a hose so I set it up for unattended use at a vacation home. They also have models with an automatic drain pump
by 3feetpete
Thu Nov 16, 2017 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 338
Views: 37789

Re: Did you tell anyone you paid off your mortgage?

Careful. Your employer may assume you are positioning yourself to retire. This could work against you for some employers. Some, not all, may have the mindset "Why take care of John Doe? He's going to retire soon anyway."
by 3feetpete
Tue Nov 14, 2017 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Verizon Wireless - Asking for a lower rate
Replies: 21
Views: 2422

Re: Verizon Wireless - Asking for a lower rate

I tried asking Verizon to lower my bill and was told I had the lowest rate so after 18 years I switched. I needed unlimited data so I went to Comcast with unlimited data for $45 a month. The new phone was additional but they gave me $200 off of an IPhone 7 and financed it at 0 interest for 24 months...
by 3feetpete
Tue Nov 14, 2017 3:15 pm
Forum: Personal Consumer Issues
Topic: Tennis Rackets - Head Graphene XT vs Head Graphene Touch
Replies: 10
Views: 567

Re: Tennis Rackets - Head Graphene XT vs Head Graphene Touch

If you liked the Touch best out of five rackets then you should get it. As far as the weight goes, if you find it is too light for you it is easy enough to remedy. Look at the side of the racket where it has the weight and balance info. Mine is 285 grams or 10.1oz which I think is as light as they m...
by 3feetpete
Tue Nov 14, 2017 1:17 pm
Forum: Personal Consumer Issues
Topic: Tennis Rackets - Head Graphene XT vs Head Graphene Touch
Replies: 10
Views: 567

Re: Tennis Rackets - Head Graphene XT vs Head Graphene Touch

From one year to the next you won't notice much of a difference except in price. The changes that they advertise for each new model year are pretty much a marketing gimmick. That said I wouldn't buy any racket I hadn't at least hit a few balls with. Several online tennis suppliers will ship you a ra...
by 3feetpete
Thu Oct 26, 2017 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Do you include the capitalized value of Social Security in your asset allocation?
Replies: 32
Views: 2061

Re: Do you include the capitalized value of Social Security in your asset allocation?

No but I do consider the income stream from SS and a pension when considering what AA is acceptable to me. If it weren't for that guaranteed income stream, I would tilt more towards bonds.
by 3feetpete
Sat Oct 14, 2017 10:39 am
Forum: Personal Consumer Issues
Topic: New mattress
Replies: 37
Views: 3493

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: 56
Views: 4811

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: 5705

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: 7972

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: 3937

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: 8678

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: 2228

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: 2570

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: 9674

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: 6060

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: 703

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: 655

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: 1099

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: 7906

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: 2409

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: 1216

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: 1330

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: 1179

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: 1179

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: 2464

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: 1592

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: 6309

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...