Search found 275 matches

by Info_Hound
Thu Jun 21, 2018 8:41 am
Forum: Personal Consumer Issues
Topic: Surprise - Costco sells - but does not install vehicle batteries
Replies: 57
Views: 3152

Re: Surprise - Costco sells - but does not install vehicle batteries

Costco info by others is correct - they sell but do not install batteries. They take back your old battery and the core return fee is refunded. Two things to note - their batteries are not fully charged when sold. So you will have to take a 30min trip out or run your car for 30 mins to fully charge ...
by Info_Hound
Tue May 22, 2018 11:26 am
Forum: Investing - Help with Personal Investments
Topic: How do you stop moving the goal posts.
Replies: 62
Views: 4940

Re: How do you stop moving the goal posts.

Keep setting goal posts. However, the new goal posts may be more about personal growth, family and friends and experience etc rather than work and accumulating money. You will also need to continue managing your resources so redefine those goals as appropriate for you. Well said! Just because you r...
by Info_Hound
Tue May 22, 2018 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Chase Savings Account emptied out!
Replies: 77
Views: 12320

Re: Chase Savings Account emptied out!

I hope its faster than 10 days, my local credit union had the money back in my account the next morning after going to their branch after work to sign and notarize a letter saying it was fraudulent. Ditto. My CU had missing funds back in my account within a few hours of filing a report and signing ...
by Info_Hound
Tue May 22, 2018 10:57 am
Forum: Personal Consumer Issues
Topic: Anyone Using Food Sealing Vacuums (eg FoodSaver)?
Replies: 23
Views: 1849

Re: Anyone Using Food Sealing Vacuums (eg FoodSaver)?

I have a foodsaver on my kitchen counter and a small freezer in my basement. I bought it at Costco on sale for a bit over a $100 and it's a fairly high end one. We use it mainly for bagging up dinner sized portions of fresh meat and fish which we buy in bulk (usually Costco). Works great, keeps stu...
by Info_Hound
Mon May 21, 2018 9:04 am
Forum: Personal Consumer Issues
Topic: Another road trip Denver to Cheyenne
Replies: 11
Views: 1002

Re: Another road trip Denver to Cheyenne

Not much in the way of tourist stops from Denver to Cheyenne. Be mindful of altitude if you are not living at altitude and drink lots and lots of water. Fort Collins has a nice old town with a bit of history. Did you know that Walt Disney used old town Fort Collins as his model for Main Street in D...
by Info_Hound
Sun May 20, 2018 11:35 am
Forum: Personal Consumer Issues
Topic: Another road trip Denver to Cheyenne
Replies: 11
Views: 1002

Re: Another road trip Denver to Cheyenne

Not much in the way of tourist stops from Denver to Cheyenne. Be mindful of altitude if you are not living at altitude and drink lots and lots of water. Fort Collins has a nice old town with a bit of history. Did you know that Walt Disney used old town Fort Collins as his model for Main Street in Di...
by Info_Hound
Wed May 09, 2018 10:36 am
Forum: Personal Consumer Issues
Topic: Estimating cost of granite countertop renovation
Replies: 19
Views: 1568

Re: Estimating cost of granite countertop renovation

One factor in costing out granite is how it will be priced. Will the manufacturer price the work/job by the cost of the slab or the cost of what you will actually use? As you can guess that makes a big difference in what you will pay. Also, the cost of granite is all over the place. I fell in love w...
by Info_Hound
Fri May 04, 2018 11:03 am
Forum: Personal Consumer Issues
Topic: Colorado Auto Insurance Rates 3rd Highest in Nation
Replies: 12
Views: 1074

Re: Colorado Auto Insurance Rates 3rd Highest in Nation

Both homeowners and auto policies are up for renewal this month. The homeowners bill arrived first and it had gone up by $400 in one year. :shock: Began to dread what I was going to find when I open the auto policy renewal bill so I began shopping around for better rates. Every major company I got a...
by Info_Hound
Sun Apr 15, 2018 11:43 am
Forum: Personal Consumer Issues
Topic: BH travel tips?
Replies: 193
Views: 14538

Re: BH travel tips?

I haven't seen anyone mention the communication app called 'Whatsapp" yet. My DD and I use it when either of us is traveling (including overseas) and it does not cost you extra charges on your phone plan. The app is free. https://www.whatsapp.com/ It works with all carriers and does not use data fro...
by Info_Hound
Sat Apr 14, 2018 11:35 am
Forum: Personal Finance (Not Investing)
Topic: 1040 goes into the ether. what now?
Replies: 21
Views: 1808

Re: 1040 goes into the ether. what now?

It just has to be postmarked by Monday. It doesn't have to arrive by Monday. Do you have evidence that you mailed it? Just to avoid anyone panicking - Tuesday, April 17, 2018 is the deadline. Emancipation Day- that one day when local holidays affect the whole country, as long as the locality is Was...
by Info_Hound
Fri Apr 06, 2018 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO rate increase: 49% annualized?!
Replies: 43
Views: 3541

Re: GEICO rate increase: 49% annualized?!

A very few companies, like The Hartford (AARP vendor) offer annual policies, with one possible rate increase per year, not two. Something to consider. I was with GEICO for decades and moved to Colorado. Rates went up, way up every 6 months. Same excuse, nothing you have done, blah, blah, blah. I fi...
by Info_Hound
Sun Mar 18, 2018 2:24 pm
Forum: Personal Consumer Issues
Topic: how to approach downsizing/relocating
Replies: 19
Views: 1927

Re: how to approach downsizing/relocating

I agree with Pajamas. Do your research first in order to be able to articulate what you want. Sift the available online information, the more you read (and sift) the easier it will be for someone to help you when you finally make the trip in person. If you decide to just scout out the area on your o...
by Info_Hound
Sun Mar 18, 2018 11:54 am
Forum: Personal Consumer Issues
Topic: how to approach downsizing/relocating
Replies: 19
Views: 1927

Re: how to approach downsizing/relocating

I too downsized, retired and relocated to Colorado. Spent about 18 months looking for a home that met many of the 'must haves' on my list. I would like to suggest the following to aid in your search: 1) Get out the map - pick up a state map of Colorado that you can then refer to, to help identify lo...
by Info_Hound
Wed Feb 28, 2018 12:02 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 38873

Re: What UN-frugal thing do you do?

Well, the unfrugal thing I've done is in retirement I've realized I don't really need to be frugal that much anymore. So I've booked a couple of expensive European cruises and started a long-deferred remodel of the house. Ditto - I too have decided its time to loosen the wallet a bit after a lifeti...
by Info_Hound
Sun Feb 25, 2018 3:58 pm
Forum: Personal Consumer Issues
Topic: Alaska Princess Cruise: Shore excursions?
Replies: 21
Views: 1331

Re: Alaska Princess Cruise: Shore excursions?

I did the interior of AK tramping around (including Denali) and then hopped on a Princess ship and sailed South to see the coastal towns this past September. It rains a lot there, plan to bring wet gear coverings and waterproof footwear is a must. My favorite excursion was to Jewell Gardens (Skagway...
by Info_Hound
Fri Feb 09, 2018 11:48 am
Forum: Personal Consumer Issues
Topic: Multiiple indicator lights on (car)
Replies: 44
Views: 1925

Re: Multiiple indicator lights on (car)

My daughter's Ford Fusion had the dash light up like you are describing. Towed it into the shop even though the car ran, did not want to chance the car dying in route and causing an accident or damaging additional engine components. This car does not get much in the way of usage either. Mechanic fou...
by Info_Hound
Fri Feb 02, 2018 6:50 pm
Forum: Investing - Theory, News & General
Topic: Kinda laughing, kinda mad - Vanguard Personal Investor
Replies: 45
Views: 8309

Re: Kinda laughing, kinda mad - Vanguard Personal Investor

Not Vanguard but Fidelity experience. My PAS person and I did not click at all. He also kept annoying me by calling me every month even after I told him I would call him if I wanted to talk to him, basically stop bothering me. Finally had enough, called the Fidelity 800 number and told the person on...
by Info_Hound
Tue Jan 30, 2018 11:28 am
Forum: Personal Consumer Issues
Topic: Neighbor recently burglarized- Suggestions for home security
Replies: 101
Views: 9279

Re: Neighbor recently burgalerized - Suggestions for home security

[/quote] I don't know what a robot dog is but my MIL lived next door to a lady that had a recording of a dog barking that went off automatically. This was in a condo building with traffic along the pathway that must have set the dog off dozens of times a day. Not sure how it worked for the neighbor ...
by Info_Hound
Fri Jan 12, 2018 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card keeps getting hacked, even when unused! (4x now!)
Replies: 49
Views: 9271

Re: Credit card keeps getting hacked, even when unused! (4x now!)

Now a days cards are compromised via company data base breaches instead of the card being physically compromised. That is the most likely reason for card hacks when you had possession of the card all along. Remember the Target breach, as one example. Once the bad guys vacuum up those numbers from a ...
by Info_Hound
Fri Dec 29, 2017 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: Now, here it is: My 40 Year Investment Plan. I would appreciate any advice!
Replies: 29
Views: 3144

Re: Now, here it is: My 40 Year Investment Plan. I would appreciate any advice!

Credit unions aren't too preferable because I don't know where I'll be located in 6-12 months. I want a bank that's easy, accessible, and far-reaching, but doesn't play with your money like BoA. So you move and get a new credit union. What do you mean by "far reaching"? Are you a vet (USAA Savings ...
by Info_Hound
Tue Dec 26, 2017 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 58120

Re: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]

What I haven't seen discussed is what this does at the State Tax level for income tax. My state does a flat tax based on your federal taxable income. With the elimination of the personal exemptions your taxable income goes up (if you have any dependents or are married). This was offset at the feder...
by Info_Hound
Tue Dec 26, 2017 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Do you see a meaningful change in your income with new Tax Bill?
Replies: 266
Views: 23475

Re: Do you see a meaningful change in your income with new Tax Bill?

Calculators say my savings will be around $3k which is entirely driven by the new child tax credit. My state taxes however will go up about $800 because they have their own standard deduction if you don't itemize at the federal level which is only $3k. According to the various federal tax calculato...
by Info_Hound
Tue Dec 12, 2017 12:26 pm
Forum: Personal Consumer Issues
Topic: Snow Tires? Worth it?
Replies: 147
Views: 7852

Re: Snow Tires? Worth it?

Yes, they are totally worth it. I recommend Bridgestone Blizzaks. Best snow tire hands down. Makes driving in snow and ice a breeze. You'll feel like driving on a summer day while all the folks around you are white knuckling it. 4 wheel drive doesn't mean diddly when it comes to safety and staying ...
by Info_Hound
Fri Dec 08, 2017 12:35 pm
Forum: Investing - Theory, News & General
Topic: "Financial Shock" wealth
Replies: 33
Views: 6669

Re: "Financial Shock" wealth

These articles make me feel so wealthy. That is because it is very likely that you are wealthy :D Exactly, but sometimes you might not feel like it hanging out in places like this where people are asking if $10M is "enough." +1 My kick in the rear came when my CPA kept telling me 'you can afford it...
by Info_Hound
Thu Dec 07, 2017 3:15 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 293
Views: 23909

Re: Do people still use AAA?

Yup, I bought into AAA after my husband passed and I am not a person who can repair or service a car. I carry the Plus version since you can travel long distances out here between towns and if a tow is every needed it will be a long one. DD went away to college out of state and I carried her on my A...
by Info_Hound
Tue Dec 05, 2017 1:01 pm
Forum: Personal Consumer Issues
Topic: Dollar Store Hacks
Replies: 27
Views: 4910

Re: Dollar Store Hacks

Swim noodles

I buy them so I can wrap my quilts around them instead of folding the quilts which result in thread stress and ultimately holes at the fold points.
by Info_Hound
Tue Nov 28, 2017 10:40 am
Forum: Personal Consumer Issues
Topic: closet organizing system
Replies: 43
Views: 7471

Re: closet organizing system

Another vote for EasyClosets. We did a lot of research and, although not cheap, it was reasonable and much less expensive than having someone come out and do a custom job. They had a great stock system that was easy to customize and install. I'm a fairly good woodworker and I could have easily cust...
by Info_Hound
Sun Nov 26, 2017 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Regrets for taking SS at 62 or waiting?
Replies: 100
Views: 10487

Re: Regrets for taking SS at 62 or waiting?

I am delaying. "No regrets" is an understatement. I consider it one of the most prudent financial decisions I have made. Note that the period from early retirement to the commencement of the Social Security is an excellent opportunity for making Roth conversions. If I die before the age of 70, you ...
by Info_Hound
Wed Nov 22, 2017 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: Retire couple Roth Conversion Help
Replies: 47
Views: 4562

Re: Retire couple Roth Conversion Help

No one has mentioned the dreaded AMT, something to keep an eye on while doing a ROTH conversion as it will definitely change what you expect to pay in federal taxes. Cited from the IRS website. https://www.irs.gov/businesses/small-businesses-self-employed/alternative-minimum-tax-assistant-for-indivi...
by Info_Hound
Tue Nov 21, 2017 12:26 pm
Forum: Investing - Help with Personal Investments
Topic: Concerned parent :(
Replies: 56
Views: 8013

Re: Concerned parent :(

We treated our daughter's college fund/savings as though it were a monthly bill, putting aside a minimum set amount each month. As someone has already noted, 529s did not exist or they were just starting up, so that was not an option for us. We built a CD ladder for her and when a CD matured, rolled...
by Info_Hound
Sun Nov 12, 2017 11:08 am
Forum: Personal Finance (Not Investing)
Topic: FAFSA EFC number shock! [Expected Family Contribution]
Replies: 39
Views: 4995

Re: FAFSA EFC number shock!

OP - welcome to the club. :( As others have stated, do not expect much help from FAFSA. Daughter looked at a couple of colleges on your list and the financial help was close to nil. I agree that a loan is not an award, even if FAFSA wants to call it an award. She ended up going to a well regarded St...
by Info_Hound
Sun Nov 12, 2017 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Health Care with/Medicare
Replies: 207
Views: 17249

Re: Federal Retiree Health Care with/Medicare

Blues

Excellent! I have downloaded the OPM document and it does seem like I might be able to suspend and retain eligibility once my daughter is off of the insurance plan.

Thank you for pointing to something new that I can use. :D
by Info_Hound
Sun Nov 12, 2017 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Health Care with/Medicare
Replies: 207
Views: 17249

Re: Federal Retiree Health Care with/Medicare

You can “ suspend “ —**not cancel** — your FEHB benefits and return to using them later. Canceling results in your no longer being eligible; suspending means you CAN restart at some later open season I do not believe this is true for those who fall under survivor benefits. Can you point me to a pla...
by Info_Hound
Thu Nov 09, 2017 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Survivour benfits question here
Replies: 3
Views: 357

Re: Survivour benfits question here

At the age of 18, the benefits end unless you will/are enrolled full time as a student. The benefits will continue as long as you are a full time student until the age of 21. You must fill out the student survey they will send once a year and promptly return it. One of the pieces of information they...
by Info_Hound
Sun Oct 22, 2017 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Health Care with/Medicare
Replies: 207
Views: 17249

Re: Federal Retiree Health Care with/Medicare

Although I could retire now, I have been convinced by several that I should stick it out for the time when I am eligible to take my federal retiree health care with me. So, I'll pay the premium when I retire and one day, I will reach the age for Medicare eligibility. How do federal employees with t...
by Info_Hound
Fri Oct 06, 2017 11:40 am
Forum: Personal Consumer Issues
Topic: Dish network
Replies: 21
Views: 1706

Re: Dish network

I've had DISH for years, both on the East Coast and now in my home in the Rocky Mountains. Yes, when the rain/snow rate is very heavy you will lose signal until the worst of it has passed, but it's only when it's very heavy, not for normal intensity storms. I keep several shows stored/recorded on th...
by Info_Hound
Sun Jun 25, 2017 11:10 am
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 243
Views: 41103

Re: Improving the TSP [for current participants]

Good News: Legislation Introduced to Allow Multiple Withdrawals From TSP, article here: https://www.fedsmith.com/2017/06/23/legislation-introduced-allow-multiple-withdrawals-tsp/ and here: http://www.govexec.com/pay-benefits/2017/06/house-oversight-members-join-effort-loosen-tsp-withdrawal-restrict...
by Info_Hound
Tue Jun 20, 2017 12:15 pm
Forum: Personal Consumer Issues
Topic: Lg refrigerator vs Samsung refrigerator.
Replies: 37
Views: 13436

Re: Lg refrigerator vs Samsung refrigerator.

I had an LG 5 year old large frig die on me just a couple of weeks ago. The compressor died. Here is what I found: 1) LG warranty is poor. Only LG repairmen are allowed to do warranty work. There are very few LG factory authorized repairmen. The wait time for a visit is long, like in weeks long. The...
by Info_Hound
Fri Apr 07, 2017 12:01 pm
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 243
Views: 41103

Re: Improving the TSP [for current participants]

TSP Newsletter just posted this: Senators Introduce Legislation on TSP Withdrawal Options — (April 7, 2017) At the TSP’s request, Senators Rob Portman and Tom Carper introduced a bill, S. 873, which would eliminate current statutory restrictions on participants’ withdrawal options. The bill would el...
by Info_Hound
Fri Apr 07, 2017 10:12 am
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 243
Views: 41103

Re: Improving the TSP [for current participants]

What to my wondering eyes did appear, an article in today's Washington Post and movement to change the TSP withdrawal options! :) https://www.washingtonpost.com/news/powerpost/wp/2017/04/06/new-withdrawal-options-for-tsp-investors-to-be-proposed/?hpid=hp_hp-cards_hp-card-fedgov%3Ahomepage%2Fcard&utm...
by Info_Hound
Fri Mar 17, 2017 3:07 pm
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 243
Views: 41103

Re: Improving the TSP [for current participants]

TimeRunner Use the TSP-90 form if you are a Beneficiary Participant Account. In Section II line 10 you can specify a $ amount versus a %. From what I have gleamed from the traditional account info (vs. BPA account) you can request a % of the total as a partial withdrawal. Calculate what % of your cu...
by Info_Hound
Wed Jan 11, 2017 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Widow Benefits
Replies: 11
Views: 1562

Re: Social Security Widow Benefits

The financial adviser is incorrect regarding no increases for survivor benefits. As long as there is a COLA increase, usually announced around September for the next year, her SS survivor benefits also increase the next year. I'm currently collecting SS survivor benefits and have for a few years now...
by Info_Hound
Mon Jan 02, 2017 10:08 am
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2017 BOGLEHEAD CONTEST
Replies: 711
Views: 38068

Re: REGISTRATION FOR THE 2017 BOGLEHEAD CONTEST

My predictions seem to float in the middle of the pack each year. Getting better, but always too low.

2371.1 is my prediction for 2017.
by Info_Hound
Thu Dec 08, 2016 11:55 am
Forum: Personal Consumer Issues
Topic: Double Oven Ranges
Replies: 13
Views: 1694

Re: Double Oven Ranges

I can speak to the usefulness of a double oven as I have one but it is electric and a GE Profile. Smooth top, 2 ovens, one is convection both doors open independently. Love my double oven! The smaller one gets much more use than the larger convection oven on the bottom. Yes, I cook large items like ...
by Info_Hound
Thu Dec 08, 2016 11:39 am
Forum: Personal Consumer Issues
Topic: Should I go for the 2K+ flying squirrel solution?
Replies: 36
Views: 4146

Re: Should I go for the 2K+ flying squirrel solution?

Flying squirrels leave their nest at dusk and return at dawn, so if you are hearing scraping at night, it's not flying squirrels. Regular squirrels work in the opposite direction - in a night and out during the day. I had some flying squirrels in my attic and when one fell down into the space betwee...
by Info_Hound
Wed Nov 16, 2016 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Public Credit Union Black Friday 3%, 24 Month CD Offer
Replies: 5
Views: 1572

Re: Public Credit Union Black Friday 3%, 24 Month CD Offer

Thanks for the info!

I'd rather wait at PSCU to buy a CD that will pay me 3% than go to Best Buy and pay them money with 0% return.
by Info_Hound
Sat Oct 22, 2016 10:33 am
Forum: Investing - Theory, News & General
Topic: Complete this sentence
Replies: 17
Views: 1804

Re: Complete this sentence

You know you are a successful investor when your CPA keeps telling you "You can afford that!" :beer
by Info_Hound
Sat Oct 22, 2016 10:14 am
Forum: Personal Consumer Issues
Topic: Replacement Windshield Wiper Blades
Replies: 38
Views: 4071

Re: Replacement Windshield Wiper Blades

I found the blades at Costco, Goodyear I think, to be terrible. After some research I bought Rain-X Latitude blades. They are the best in my opinion. No streaking and do not lift off windshield at high speeds. Not found in stores in right size so just got them from Amazon. +1 I replace blades once ...
by Info_Hound
Sat Oct 22, 2016 10:07 am
Forum: Personal Consumer Issues
Topic: Pet meds
Replies: 22
Views: 2001

Re: Pet meds

Pet meds can be expensive, having gone down this path for my fur babies as well. I discovered that as a Banfield Hospital client (inside Petsmart) they will reduce the price of meds if you can find it online cheaper. You don't have to buy it online, just show them the website with the product at the...
by Info_Hound
Sun Oct 09, 2016 9:42 am
Forum: Personal Consumer Issues
Topic: Looking for good mountain scenery near Denver
Replies: 16
Views: 1820

Re: Looking for good mountain scenery near Denver

Highway 34 between Loveland and Estes Park will be closed to all traffic from mid-October til next Spring sometime. Highway 36 via Lyons will be the only way into Estes from the Denver side. The 2013 floods totally destroyed the roads in the canyons (34 & 36). CDOT has spent the past several years r...