Search found 587 matches

by RudyS
Sun Jun 25, 2017 3:59 pm
Forum: Personal Consumer Issues
Topic: Fun place to stop overnight en route from Florida Keys to Tampa ( not Disney)
Replies: 27
Views: 1684

Re: Fun place to stop overnight en route from Florida Keys to Tampa ( not Disney)

That tram tour at Shark Valley is great, BUT not in July and not with kids that young. Save it. If you did take Rt 41 via the Everglades, there are various little "rest areas" run by the Park Service along the way for short walks. Also, try Trip Advisor, run searches for "things to do...
by RudyS
Sun Jun 25, 2017 3:52 pm
Forum: Personal Consumer Issues
Topic: Auto Throttle Body Servicing & Injector Flush: 2017 Equivalent to Strut Scam????
Replies: 10
Views: 814

Re: Auto Throttle Body Servicing & Injector Flush: 2017 Equivalent to Strut Scam????

Scam... People LOVE injector cleaning, which is a joke since gasoline IS an excellent solvent. Add to the fact that 10% ethanol is even better of a cleaning solvent. No, it's not a scam. The scam is paying someone to clean your injectors. All they do is dump a can of BG-44K or similar into the fuel...
by RudyS
Sun Jun 25, 2017 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 230
Views: 36375

Re: Regret early retirement/downsizing

I was/am lucky! I did enjoy my work. My plan for when to quit work (since we were financially OK) was when any of these happens: 1, I don't like the job anymore, 2, I find something I'd rather do, or 3, the company doesn't want me any more. So at 64, megacorp started to downsize and offered a great ...
by RudyS
Sun Jun 25, 2017 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: How much to pay for extra work (furniture delivery)
Replies: 9
Views: 848

Re: How much to pay for extra work (furniture delivery)

I'd take my chances on the damage. And, I would do a $20 bill for each. I'm in an average COL area.
by RudyS
Sun Jun 25, 2017 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Aging parents
Replies: 13
Views: 1622

Re: Aging parents

My father is getting up there. Still fairly sound physical and mentally. He asked me to put myself on his bank account at our credit union. I did. I hope it doesn't bite me in the ass. He has always been a "soft touch". He can not say no to anyone who is short on money and will easily go ...
by RudyS
Sat Jun 24, 2017 1:12 pm
Forum: Personal Consumer Issues
Topic: For Sale By Owner HOUSE- Advice Please
Replies: 26
Views: 2890

Re: For Sale By Owner HOUSE- Advice Please

So you have an offer, but have not yet accepted it. What if you wait to see if you can get an offer above asking? That happens in hot markets.
I won't think you would be "pulling out of the deal", no deal yet. Or, just think that a bird in the hand........and go for it.
by RudyS
Thu Jun 22, 2017 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Did I just get seriously ripped off?? (Car lease)
Replies: 54
Views: 4535

Re: Did I just get seriously ripped off?? (Car lease)

My 2015 Subaru Outback (now at 32K miles), and the 2008 before it, never consumed ANY oil between the recommended oil change intervals. Might just be lucky, but that's what it is.
by RudyS
Wed Jun 21, 2017 9:43 pm
Forum: Personal Consumer Issues
Topic: LG washer and dryer "NFC tag on" feature
Replies: 30
Views: 1306

Re: LG washer and dryer "NFC tag on" feature

I was driving along one day on a country road and there was a car in the woods and people were helping the driver out and to the side of the road. I asked what happened. According to her (the driver), her GPS told her to turn right but apparently the mapping data was in error and there was no road ...
by RudyS
Wed Jun 21, 2017 9:08 pm
Forum: Investing - Theory, News & General
Topic: Thoughts about tilting away from the sector you work in?
Replies: 29
Views: 1895

Re: Thoughts about tilting away from the sector you work in?

I think it's worth noticing. The most I ever did in practice was to reduce and when good opportunity arose eliminate holdings in my employer's stock, acquired via option and restricted share grants, that sort of thing. I'm certainly grateful to have had the opportunity to be awarded them. PJW I liv...
by RudyS
Wed Jun 21, 2017 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Co-workers advising to buy house RIGHT NOW
Replies: 62
Views: 5467

Re: Co-workers advising to buy house RIGHT NOW

What do your friends say about Glenfiddich? Good idea to change the subject from houses. And try just a few drops of water rather than the ice cube. :sharebeer
by RudyS
Tue Jun 20, 2017 9:36 pm
Forum: Personal Consumer Issues
Topic: House selling - timeline question
Replies: 23
Views: 1708

Re: House selling - timeline question

I went to a few open houses for homes in the ball park of what I was selling, and used that opportunity to talk with agents (sort of an interview). This works well if there is little traffic to the open house.
by RudyS
Tue Jun 20, 2017 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Stamp Value
Replies: 6
Views: 671

Re: Stamp Value

If by some chance the owner was a member of the American Philatelic Society (APS), they have a service to help with this type of situation. You might check to see if there is a local stamp club where a member would be willing to give a quick look at the collection. Any chance the owner kept some sor...
by RudyS
Sun Jun 18, 2017 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: Pass-Through Giving
Replies: 4
Views: 450

Re: Pass-Through Giving

jebmke wrote:I believe this is what is called a step transaction. If so, the IRS would consider it a gift from you to your children.


That's right. Many Google hits for step transaction irs will provide lots of details.
by RudyS
Sun Jun 18, 2017 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Change Auto & Umbrella Insurance after 52 years?
Replies: 21
Views: 1803

Re: Change Auto & Umbrella Insurance after 52 years?

I have been wondering too. Have been with AAA auto for maybe 30 years. Rates do seem high but I have not shopped around. My rates did not increase after my only at-fault accident. Just too lazy to go shopping but I am also reluctant to end this relationship. Seems I need a swift kick to at least get...
by RudyS
Sun Jun 18, 2017 8:53 am
Forum: Personal Finance (Not Investing)
Topic: TreasuryDirect - death of account holder
Replies: 20
Views: 2059

Re: TreasuryDirect - death of account holder

This has been an interesting discussion. Sorry for those having problems with TD. A while ago I opened an account which holds only a single 30K bond. I now see that I should do my wife a favor and liquidate this. (I'm 80).
by RudyS
Fri Jun 16, 2017 10:18 am
Forum: Personal Consumer Issues
Topic: Have you had this issue with Subaru Forester windshield replacement?
Replies: 18
Views: 1388

Re: Have you had this issue with Subaru Forester windshield replacement?

I know with my 2015 Outback they sent out a notice that if you had to replace your windshield, they'd reimburse you up to x amount (don't remember). Not sure if it applies to Forester as well. I have a 2015 Outback, but did not get such a "notice." Do you still have it, does it have a tit...
by RudyS
Fri Jun 16, 2017 10:14 am
Forum: Personal Consumer Issues
Topic: Cataracts & reading glasses
Replies: 31
Views: 2134

Re: Cataracts & reading glasses

It is perfectly reasonable to expect to read without glasses after cataract surgery. I had my second cataract surgery a month ago and the first surgery 6 months ago. After discussion with my ophthalmologist we decided to use the standard (Medicare pays) lenses optimized for an intermediate distance...
by RudyS
Fri Jun 16, 2017 9:53 am
Forum: Investing - Theory, News & General
Topic: Top and bottom of AA usefulness
Replies: 19
Views: 1604

Re: Top and bottom of AA usefulness

It is much easier to get a handle on what you "need" if you always think in percentages, and don't mix them with absolute dollar amounts. I disagree. I don't know if I can call it an epiphany if loads of people had the thought before me, but I recently decided that as long as I've got an ...
by RudyS
Wed Jun 14, 2017 9:22 pm
Forum: Personal Consumer Issues
Topic: Have you had this issue with Subaru Forester windshield replacement?
Replies: 18
Views: 1388

Re: Have you had this issue with Subaru Forester windshield replacement?

I know with my 2015 Outback they sent out a notice that if you had to replace your windshield, they'd reimburse you up to x amount (don't remember). Not sure if it applies to Forester as well. I have a 2015 Outback, but did not get such a "notice." Do you still have it, does it have a tit...
by RudyS
Wed Jun 14, 2017 9:18 pm
Forum: Personal Consumer Issues
Topic: Cataracts & reading glasses
Replies: 31
Views: 2134

Re: Cataracts & reading glasses

There is a financial aspect to the question. My understanding is that Medicare won't pay for surgery unless there is a real vision problem, including excessive glare driving at night. Just wanting to read without glasses might not do it. In my case, I asked for the doctor to put in a lens that lets ...
by RudyS
Wed Jun 14, 2017 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Do You Take Your Credit Card Receipts?
Replies: 79
Views: 4889

Re: Do You Take Your Credit Card Receipts?

Swansea wrote:I always take them to reconcile the monthly statement.

me too. Been doing it from day 1, too set in my ways to change now.
by RudyS
Thu Jun 08, 2017 12:05 pm
Forum: Personal Consumer Issues
Topic: Is it possible to only replace sections of a concrete driveway?
Replies: 22
Views: 1777

Re: Is it possible to only replace sections of a concrete driveway?

An idea: call one or two of the folks who sell concrete in the big trucks. Ask if they know of anyone interesting in bidding on your "small?" job. Might come up with someone who wants work at this time. Good luck. BTW, I'm so impressed with what you do yourself on your property! Enjoyed th...
by RudyS
Mon Jun 05, 2017 10:53 am
Forum: Personal Consumer Issues
Topic: Transcription Services
Replies: 9
Views: 842

Re: Transcription Services

The link to transcribme.com is NOT to an actual business,, it is a domain reseller. I tried transcribeme.com (note the extra e) and it seems like a realistic business model. The usual caution is not to pay up front before you get any earnings. Just check carefully.
by RudyS
Wed May 31, 2017 9:11 pm
Forum: Personal Consumer Issues
Topic: How best to care for someone who frequently falls
Replies: 32
Views: 2587

Re: How best to care for someone who frequently falls

So sorry for your family's hardship with your father-in-law's falls. It is a common problem in the elderly, frail and disabled community. A visit to your local fire department should acquaint you with their non-emergency lift service. Their staff are trained and have the necessary equipment to do s...
by RudyS
Wed May 31, 2017 4:05 pm
Forum: Personal Consumer Issues
Topic: Honda mulching mower clumping
Replies: 15
Views: 926

Re: Honda mulching mower clumping

And one doesn't have to create the least possible overlap. One can overlap the mowing rows by 50% or more. That is, one cuts less uncut grass and re-cuts already cut grass by the amount of overlap one chooses. And the Laws of Physics are not suspended just because one is mowing the yard ... except ...
by RudyS
Wed May 31, 2017 4:00 pm
Forum: Personal Consumer Issues
Topic: Subaru to Prius?
Replies: 44
Views: 3130

Re: Subaru to Prius?

Stick with the Subaru. You will not get the $25k you hope, the Prius will be slightly more than you hoped and you will not know the history. You will pay taxes on the Prius. The difference in gas mileage will not be worth it. The difference in registration is not significant. Then add the hassle fa...
by RudyS
Tue May 30, 2017 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: Play Money for Spouse....
Replies: 138
Views: 9412

Re: Play Money for Spouse....

Personally I just do not this thread at all.My wife is an intelligent adult and she will make reasonable decisions on what she spends and I do the same.We do not need an allowance or a spending budget because we use common sense.We have never once had an argument over spending money and have never ...
by RudyS
Tue May 30, 2017 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: Atypical Home Office Situation/Not covered by IRS pub
Replies: 1
Views: 297

Re: Atypical Home Office Situation/Not covered by IRS pub

This seems to be addressed in summary form in https://www.irs.gov/businesses/small-bu ... -deduction and in detail in the references therein. I see nothing that limits the number of places (one at a time) to use as your office.
by RudyS
Tue May 30, 2017 11:58 am
Forum: Investing - Help with Personal Investments
Topic: Cost basis question: when you don't know it.
Replies: 49
Views: 9911

Re: Cost basis question: when you don't know it.

I would be comfortable with making a good faith estimate of the cost basis. It certainly is not zero. See http://www.seattletimes.com/business/de ... s-records/
by RudyS
Fri May 26, 2017 10:50 am
Forum: Personal Finance (Not Investing)
Topic: When to start talking to older parents regarding their finances (and how to do it?)
Replies: 37
Views: 3860

Re: When to start talking to older parents regarding their finances (and how to do it?)

simplesimon wrote:Say you saw an article online and it made you think of them. See if they're interested in carrying the discussion forward.

+1
by RudyS
Thu May 25, 2017 2:37 pm
Forum: Personal Consumer Issues
Topic: Should I fax or email bank info?
Replies: 18
Views: 1216

Re: Should I fax or email bank info?

I had to send credit info to a hotel in Iceland. Concluded that scanning the info and emailing as an attachment would be secure enough. A bit better than open email. Fax would have been an international phone call. However, the routing number / account info is on every check you write so that doesn'...
by RudyS
Thu May 25, 2017 11:19 am
Forum: Personal Consumer Issues
Topic: Help! Renters asking for radon mitigation--what do I need to do?
Replies: 18
Views: 1664

Re: Help! Renters asking for radon mitigation--what do I need to do?

Yes, get verification from a professional source. Probably should check with management company how best to accomplish this.
by RudyS
Wed May 24, 2017 9:25 pm
Forum: Personal Consumer Issues
Topic: Saving Baby bunnies
Replies: 9
Views: 989

Re: Saving Baby bunnies

While you wait, read this ASAP if you have not already investigated. http://www.keeperofthewild.org/wild_bunny_rescue.html
by RudyS
Tue May 23, 2017 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Use Voided Check or Deposit Slip?
Replies: 15
Views: 1065

Re: Use Voided Check or Deposit Slip?

Deposit slips are internal bank documents. They do not necessarily contain the same information as a a check. A check must contain the ABA routing number which is needed for banks to send and receive money with accounts at other banks. In your case, since both your check and deposit slip contain th...
by RudyS
Tue May 23, 2017 11:56 am
Forum: Investing - Help with Personal Investments
Topic: Very Close to FI / RE - Allocation Suggestions?
Replies: 23
Views: 1999

Re: Very Close to FI / RE - Allocation Suggestions?

The purpose of holding a $1 million portfolio is to pay for nursing home care should that be needed. To me this seems like the wrong strategy. Medicaid also pays for nursing home care, and the OP could always pay for any care with the assets that are transferred now. I'm not very familiar with Medi...
by RudyS
Mon May 22, 2017 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Replace timing chain based on miles or years? [ignore]
Replies: 18
Views: 1342

Re: Replace timing chain based on miles or years?

Owners manual should be definitive.
by RudyS
Sun May 21, 2017 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: NJ Lemon Law 2017 Honda CRV
Replies: 25
Views: 4060

Re: NJ Lemon Law 2017 Honda CRV

TimeRunner wrote:Is it possible you simply have a bad battery? I'd have the dealer swap it out and see if that solves your issue. Seems like there would be a nationwide recall if this was a systemic issue.

Wouldn't you think the dealer would have tried this already? They were there twice.
by RudyS
Sun May 21, 2017 8:44 pm
Forum: Investing - Theory, News & General
Topic: What % of your income have you converted to wealth?
Replies: 133
Views: 16855

Re: What % of your income have you converted to wealth?

Sans gifts/inheritances, this is really a measure of how long a person has been investing, since as the length of time of investment gets large: the numerator is exponential in time, and the denominator is linear in time. Eventually this would surpass any fixed percentage. That makes a lot of sense.
by RudyS
Sun May 21, 2017 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Advice: grandparents estate planning issues
Replies: 9
Views: 1355

Re: Advice: grandparents estate planning issues

There are lots of pitfalls to this. I suggest you contact an eldercare attorney ASAP.
by RudyS
Sun May 21, 2017 4:02 pm
Forum: Personal Consumer Issues
Topic: Risks of electronic access
Replies: 57
Views: 4800

Re: Risks of electronic access

I do not access any financial sites from my smartphone. It just has to wait till I get to a computer. [Yes I know a smartphone is really a computer pretending to be a phone] . Also no access to financial sites via unknown wifi. Still risky, but at least better than having everything on my phone.
by RudyS
Sun May 21, 2017 2:38 pm
Forum: Personal Consumer Issues
Topic: Sell 2015 Subaru or Keep?
Replies: 71
Views: 5532

Re: Sell 2015 Subaru or Keep?

All those safety features are wonderful! Not just crash avoidance, but rear cross-traffic alert. Keep the car! I have a 2015 Outback and would not turn loose of it. If you overpaid two years ago, just forget that.
by RudyS
Sat May 20, 2017 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: NJ Lemon Law 2017 Honda CRV
Replies: 25
Views: 4060

Re: NJ Lemon Law 2017 Honda CRV

This is ridiculous. What if I were leave my car at the airport for a couple of weeks? I love my Subaru Outback.
by RudyS
Thu May 18, 2017 7:55 pm
Forum: Personal Consumer Issues
Topic: garage door problem
Replies: 25
Views: 1578

Re: garage door problem

The hard part is doing it SAFELY. https://www.youtube.com/watch?v=hrUIN6hClB4 Admittedly, this was posted by an o[opener company.
by RudyS
Thu May 18, 2017 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: How to sell a house?
Replies: 22
Views: 2052

Re: How to sell a house?

Companies dealing in Elder Moves often advertise in local Senior papers, such as the newsletters from the local Council on Aging.
by RudyS
Thu May 18, 2017 4:00 pm
Forum: Personal Consumer Issues
Topic: garage door problem
Replies: 25
Views: 1578

Re: garage door problem

I'd take a cab to the doctor tomorrow, unless you get your door fixed by then. Oddly enough, I also had an appointment the day I found mine broken. Would that we had cab service. We don't even have bus service. And too far to bicycle. Don't know where you are. Does the doctor's city have cab servic...
by RudyS
Thu May 18, 2017 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: No Fire Clause
Replies: 1
Views: 526

Re: No Fire Clause

Could someone please let me know how effective a no-fire clause is for a certain length of time? Is it actionable in California? Meaning if an employer fired you earlier than the contract and did not pay you. Can it be enforced with just a contract signed from the employer stating the facts of the ...
by RudyS
Thu May 18, 2017 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: How to sell a house?
Replies: 22
Views: 2052

Re: How to sell a house?

> Zilow estimate is $175,000 Ignore this. Declutter and put on the market for what it will bring. > Hire dumpster company Hiring a dumpster is easy and cheap. You will need to find people to fill it. I agree you should ignore Zillow for this type of house. The house will bring what it's worth - i.e...
by RudyS
Thu May 18, 2017 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: How to dispose of household effects (estate sale?)
Replies: 21
Views: 2759

Re: How to dispose of household effects (estate sale?)

Charity, They can haul it all away and you don't have to deal with it. Life is too short in my opinion to go to the effort and attempt to make profit off the possessions of a dead person. I do not mean that in a cruel way. I would just want to be done with it. Who would receive the charitable deduc...
by RudyS
Wed May 17, 2017 8:03 pm
Forum: Investing - Help with Personal Investments
Topic: When to take interest in a CD?
Replies: 18
Views: 1456

Re: When to take interest in a CD?

Whatever is on the 1099 INT that you get, is what you report and pay taxes on. You don't need to do fancy calculations.

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