Search found 222 matches

by Ruger
Sun May 20, 2018 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: What’s your phone/internet bill?
Replies: 76
Views: 4411

Re: What’s your phone/internet bill?

Where I live Frontier is the only option for internet. I pay about $78 a month for the land line and internet service.
by Ruger
Sun May 20, 2018 5:10 pm
Forum: Personal Consumer Issues
Topic: Home Depot's Life Proof Rigid Core Vinyl Flooring
Replies: 6
Views: 763

Re: Home Depot's Life Proof Rigid Core Vinyl Flooring

I've purchased sheet vinyl and plank vinyl flooring from HD and not had problems with it. However, I installed in my self so can't give you any feedback on their installers. However, I have had appliances installed via HD when I purchased them there and was happy with the service. I would hope HD wo...
by Ruger
Tue May 15, 2018 12:18 pm
Forum: Personal Consumer Issues
Topic: keyless ignitions and carbon monoxide
Replies: 81
Views: 4290

Re: keyless ignitions and carbon monoxide

I have the keyless start on my car, and I love it. I don't understand how people can walk away with their car running. Pushing the button is just as easy to remember as turning the key and removing it before leaving the vehicle. +1 I wonder if anyone keeps stats on carbon monoxide deaths from peopl...
by Ruger
Tue May 15, 2018 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Tenant/Landlord Question
Replies: 12
Views: 1038

Re: Tenent/Landlord Question

Yes, check the lease and state and local laws. If nothing is said about it (which I find hard to believe) I would think 60 days would be adequate.
by Ruger
Mon May 14, 2018 10:39 am
Forum: Personal Consumer Issues
Topic: keyless ignitions and carbon monoxide
Replies: 81
Views: 4290

Re: keyless ignitions and carbon monoxide

I have the keyless start on my car, and I love it. I don't understand how people can walk away with their car running. Pushing the button is just as easy to remember as turning the key and removing it before leaving the vehicle.
by Ruger
Fri May 11, 2018 1:00 pm
Forum: Personal Consumer Issues
Topic: Anyone buy carbon offsets when flying?
Replies: 111
Views: 4312

Re: Anyone buy carbon offsets when flying?

Assuming this is a serious post: I don't consider the carbon footprint in anything I do. It does not make any difference. You are kidding yourself. This is all a big scam. Put your money in mutual funds. You and your heirs will both be better off. Two thumbs up! Invest in yourself, not "carbon offs...
by Ruger
Fri May 11, 2018 12:59 pm
Forum: Personal Consumer Issues
Topic: Anyone buy carbon offsets when flying?
Replies: 111
Views: 4312

Re: Anyone buy carbon offsets when flying?

DanMahowny wrote:
Fri May 11, 2018 9:28 am
No moral dilemma here. In my view it's a complete waste of money. Sorry man.
I agree. I'm keeping my money.
by Ruger
Fri May 11, 2018 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: ques
Replies: 47
Views: 4362

Re: Should I pay cash for a house?

mortfree wrote:
Fri May 11, 2018 2:42 am
1.5 baths?

If you plan to stay single, ok.

If not then this may not be the house for you.

Although this is off the OP question, I agree with it. 1 1/2 bath houses are not as desirable as at least 2 full baths.
I wouldn't purchase anything less than 2.
by Ruger
Fri Apr 27, 2018 3:51 pm
Forum: Personal Consumer Issues
Topic: Do you sell or donate unused items?
Replies: 46
Views: 2706

Re: Do you sell or donate unused items?

I donate. It's not worth my time to try to sell stuff just to make a few bucks.
If I had anything worth real money that I no longer wanted, that I would sell. But so far that situation has never happened.
by Ruger
Fri Apr 27, 2018 2:13 am
Forum: Personal Consumer Issues
Topic: Ikea Quality
Replies: 37
Views: 2771

Re: Ikea Quality

What do folks think about the quality of Ikea accent and storage furniture? In particular, their Besta, Billy, or Kallax series (but open to other suggestions)? I have all three of those, plus a desk and a metal storage cabinet. I wasn't expecting them to last long, and kind of considered them temp...
by Ruger
Tue Apr 03, 2018 9:55 am
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Portland, Oregon
Replies: 134
Views: 39461

Re: Master Thread for Portland, Oregon

Hi, just found out about these meetings. Although I don't live in Portland, I'm near enough that I don't mind the drive.
Looking forward to coming to the next meeting.
by Ruger
Sun Mar 25, 2018 9:59 pm
Forum: Personal Consumer Issues
Topic: Going to Israel need help planning
Replies: 12
Views: 1161

Re: Going to Israel need help planning

A lot depends on what things you want to see- the first time I went to Israel I went with an El Al tour. It was in the early 90's but it was very good and there were a lot of people in the age range you mention. They have several packages available. https://www.elal.com/SiteCollectionDocuments/Branc...
by Ruger
Fri Mar 16, 2018 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Cost of a quality will?
Replies: 17
Views: 1760

Re: Cost of a quality will?

I just redid my will. It was $700 which included not only the will but POA and advanced health directive.
by Ruger
Fri Mar 09, 2018 12:01 pm
Forum: Personal Consumer Issues
Topic: No hot air or hot water, what are my options with the landlord?
Replies: 20
Views: 918

Re: No hot air or hot water, what are my options with the landlord?

Check the tenants' rights in your area. Landlords are required to provide hot water and heat--or at least a supply to them. Lack of hot water and heat (either or both) renders the unit uninhabitable (unlivable). This. The landlord needs to supply a unit that is habitable. If they don't take care of...
by Ruger
Wed Mar 07, 2018 9:55 pm
Forum: Personal Consumer Issues
Topic: Replacing vanities?
Replies: 21
Views: 1897

Re: Replacing vanities?

Make sure the vanity is level and plumb or the drawers may not function properly.
I learned this the hard way :)
by Ruger
Mon Mar 05, 2018 4:22 pm
Forum: Personal Consumer Issues
Topic: Etiquette of hanging up on live telemarketers
Replies: 77
Views: 3779

Re: Etiquette of hanging up on live telemarketers

I just hang up on them. It's rude of them to call me.
However, I also realize they are trying to make a living so I don't act abusive towards them. I'm sure they are used to getting hung up on.
by Ruger
Fri Mar 02, 2018 10:54 am
Forum: Personal Consumer Issues
Topic: Kitchen features
Replies: 108
Views: 7671

Re: Kitchen features

Undermount sink
Pantry
Hard surface counters of your choice (I still prefer granite)
Open concept
by Ruger
Wed Feb 21, 2018 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Clever phishing -- be careful!
Replies: 21
Views: 1606

Re: Clever phishing -- be careful!

A couple of weeks ago I got an email supposedly from Wells Fargo claiming that there was fraudulent activity on my account and I needed to follow a link to verify my identity and reset my password, etc. Obviously it was a fraud, but especially so since I don't have any accounts at WF. Obviously the...
by Ruger
Wed Feb 21, 2018 2:35 pm
Forum: Investing - Theory, News & General
Topic: How many of you use the "4% rule" during retirement?
Replies: 68
Views: 8990

Re: How many of you use the "4% rule" during retirement?

I haven't used it because my income from rentals and SS covers all my expenses. In a couple of years I'll loosen the purse strings and start spending liberally, but I won't need anywhere near 4%.
by Ruger
Wed Feb 21, 2018 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Clever phishing -- be careful!
Replies: 21
Views: 1606

Re: Clever phishing -- be careful!

A couple of weeks ago I got an email supposedly from Wells Fargo claiming that there was fraudulent activity on my account and I needed to follow a link to verify my identity and reset my password, etc. Obviously it was a fraud, but especially so since I don't have any accounts at WF. Obviously they...
by Ruger
Wed Feb 21, 2018 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Giving up on first home
Replies: 43
Views: 4618

Re: Giving up on first home

NYC_Guy wrote:
Tue Feb 20, 2018 10:29 pm
It’s called buyer’s remorse. You’ll get over it.
Exactly what I was going to say. Almost everyone who buys their first house suffers from it. And some of us after our first house :)
It will work out great, and you will be happy being a home owner. Beats renting any day.
by Ruger
Wed Feb 21, 2018 11:22 am
Forum: Personal Consumer Issues
Topic: When is Costco cash back coupon arriving?
Replies: 23
Views: 2345

Re: When is Costco cash back coupon arriving?

cheese_breath wrote:
Wed Feb 21, 2018 10:37 am
Mine was printed on the last page of my last bill.
Yes, be sure to check last page of bill. I almost threw mine out. It came two weeks ago.
by Ruger
Fri Feb 16, 2018 5:33 pm
Forum: Personal Consumer Issues
Topic: Repairing Stucco: A Case of Contractor Gouging
Replies: 39
Views: 2957

Re: Repairing Stucco: A Case of Contractor Gouging

Every time I have a contractor out, their first question to me is if I own or rent my place. I’m not sure which way is better or worse to answer. They are asking because they don't want to do the work on a rental without the owners permission. I run into this all the time when I need to have work d...
by Ruger
Mon Feb 12, 2018 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: Tenants want to break lease early and is pregnant
Replies: 105
Views: 9131

Re: Tenants want to break lease early and is pregnant

I have had this happen twice. Both times I told the tenants that if I did not find a renter to replace them they would continue to owe me rent. Both times I found renters immediately and it timed out that when the old renters moved out, the new ones moved in. No loss of income for me so they old ren...
by Ruger
Tue Feb 06, 2018 10:54 am
Forum: Personal Consumer Issues
Topic: home security against burglaries
Replies: 11
Views: 1116

Re: home security against burglaries

My main concern with burglaries is personal safety. Things can be replaced. I live in the country so I don't own a security system. By the time the sheriff got there the burglars would be long gone. I have a mercury vapor light in the drive on at night, and I keep a light on in the house if I am gon...
by Ruger
Tue Jan 30, 2018 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Change in "career", PA or Optometry?
Replies: 79
Views: 6641

Re: Change in "career", PA or Optometry?

Retired Optometrist here. I would recommend optometry if a person is aware of the changes that have happened in the last several years. Although many optometrists open or buy a private practice, they generally work for corporate/commercial optometry to start and many work part time after opening a ...
by Ruger
Tue Jan 30, 2018 11:39 am
Forum: Personal Finance (Not Investing)
Topic: 2017 income changed and wife no longer qualifies for ACA subsidy
Replies: 21
Views: 1608

Re: 2017 income changed and wife no longer qualifies for ACA subsidy

I'm in the same boat, but for a different reason. Inherited money which had a large amount of capital gains, so my income for this one year went over the ACA limit. Couldn't find anyway to reduce income (retired, so no IRA contributions possible and no HSA to contribute to). So I'm going to pay bac...
by Ruger
Tue Jan 30, 2018 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Change in "career", PA or Optometry?
Replies: 79
Views: 6641

Re: Change in "career", PA or Optometry?

Retired Optometrist here. I would recommend optometry if a person is aware of the changes that have happened in the last several years. Although many optometrists open or buy a private practice, they generally work for corporate/commercial optometry to start and many work part time after opening a p...
by Ruger
Mon Jan 29, 2018 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: 2017 income changed and wife no longer qualifies for ACA subsidy
Replies: 21
Views: 1608

Re: 2017 income changed and wife no longer qualifies for ACA subsidy

I'm in the same boat, but for a different reason. Inherited money which had a large amount of capital gains, so my income for this one year went over the ACA limit. Couldn't find anyway to reduce income (retired, so no IRA contributions possible and no HSA to contribute to). So I'm going to pay back...
by Ruger
Sat Jan 27, 2018 8:11 pm
Forum: Personal Consumer Issues
Topic: Renting out current home to rent elsewhere...thoughts?
Replies: 7
Views: 698

Re: Renting out current home to rent elsewhere...thoughts?

When I finally got around to selling the housing market had roared back so I made a good profit but the downside was I no longer could exclude the capital gains because I hadn't lived there for 5 years. So that's something you will want to consider. This is also what I was going to mention. Unless ...
by Ruger
Sat Jan 27, 2018 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: What hourly consulting rate outside my day job?
Replies: 28
Views: 1593

Re: What hourly consulting rate outside my day job?

CppCoder wrote:
Sat Jan 27, 2018 4:41 pm
I wouldn't work for a clown who thinks I should be paid based on my need for money versus my worth in the marketplace.
+1 !!!!!!!
by Ruger
Fri Jan 26, 2018 10:58 am
Forum: Personal Consumer Issues
Topic: Is dry cleaning worth it?
Replies: 23
Views: 2406

Re: Is dry cleaning worth it?

I don't have a lot of stuff that needs dry cleaning, but when I do I use one of these kits. They work well. https://www.amazon.com/Dryel-At-Home-Dry-Cleaner-Starter/dp/B075X3K3GS/ref=sr_1_3?ie=UTF8&qid=1516982310&sr=8-3&keywords=dry+cleaning+kit However, I wouldn't mess with the curtains, those I wo...
by Ruger
Wed Jan 24, 2018 11:42 pm
Forum: Personal Consumer Issues
Topic: Still using a 5 year old iphone 5. Who's with me? No new phones!!!
Replies: 151
Views: 9172

Re: Still using a 5 year old iphone 5. Who's with me? No new phones!!!

My phone is Android but it's five years old. As long as it works I'm not upgrading. Only problem I have with it is sometimes it randomly shuts itself off and the only way I can restart it is to remove and reinsert the battery. Not a big enough of an issue to buy a new one.
by Ruger
Wed Jan 24, 2018 11:26 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone want to share their monthly budget? Here's ours
Replies: 20
Views: 3063

Re: Anyone want to share their monthly budget? Here's ours

63,single, retired. Housing Insurance 33.67 Taxes 184.07 Total 257.74 Auto Registration 3.5 Insurance 76 Gas 92.28 Total 171.78 Health Insurance 355 Meds 23.36 Gym 15 Total 393.36 Utilities Direct TV 85.36 Phone 57.76 Internet 77.82 Heat 88 Electric 79.78 Garbage 26.77 Sirius XM 5 Total 447.61 Eat O...
by Ruger
Wed Jan 24, 2018 12:21 pm
Forum: Personal Consumer Issues
Topic: Which tropical Island to Retire to ?
Replies: 61
Views: 5346

Re: Which tropical Island to Retire to ?

I don't know that I'd want to buy right away or ever but a few months a year sure sounds good. I was considering buying property in a tropical region until I realized there are so many places I want to see. So now my goal is to be a snow bird and spend three to four months a year in a different tro...
by Ruger
Fri Jan 19, 2018 10:54 am
Forum: Personal Consumer Issues
Topic: Any Instant Pot users here?
Replies: 103
Views: 12183

Re: Any Instant Pot users here?

Newbie Instant Pot user....This is a game changer. For those of us in The Tribe, making Chulent just became soooooo much quicker and easier. What I have not really explored yet is whether the IP has a 'stay warm' cycle that can go for 25 hours without turning off and on. But I can basically go from...
by Ruger
Mon Jan 15, 2018 5:52 pm
Forum: Personal Consumer Issues
Topic: TSA locks for luggage
Replies: 18
Views: 1499

Re: TSA locks for luggage

I only take things that I would like to be stolen in checked luggage. But why take checked luggage anyways? Sometimes there isn't any choice. I recently flew with two handguns and some ammo and of course it had to go into checked luggage. The guns had to be locked into a case with non TSA locks ins...
by Ruger
Sun Jan 14, 2018 10:11 pm
Forum: Personal Consumer Issues
Topic: Costco laminate flooring
Replies: 7
Views: 1704

Re: Costco laminate flooring

I put Costco Harmonics laminate flooring in a rental condo about 5 years ago. It has held up very well. I used it in the kitchen also and haven't had any
water issues.
by Ruger
Fri Jan 12, 2018 4:27 am
Forum: Personal Consumer Issues
Topic: anyone else enjoying an afternoon nap in retirement?
Replies: 19
Views: 1983

Re: anyone else enjoying an afternoon nap in retirement?

BTDT wrote:
Thu Jan 11, 2018 12:45 pm
Nope! Taking naps or going to bed early tends to adversely affect my nigh time sleep.

Me too! I can't get to sleep at night if I've slept during the daytime. I avoid naps or I'll be up all night.
by Ruger
Thu Jan 11, 2018 2:44 pm
Forum: Investing - Help with Personal Investments
Topic: Any books after receiving a windfall?
Replies: 6
Views: 610

Re: Any books after receiving a windfall?

How about the Bogleheads wiki article instead? Managing a windfall . I agree with the advice in this article. I recently received a large windfall and as the article suggests kept some out for emergency purposes and put the rest into low risk investments (Money market, CDs, ibonds). This gives me t...
by Ruger
Thu Jan 11, 2018 2:31 pm
Forum: Personal Consumer Issues
Topic: Best Sources to Buy Prescriptions Out of Pocket
Replies: 49
Views: 3391

Re: Best Sources to Buy Prescriptions Out of Pocket

I buy my prescriptions at WalMart. They have a discount program for those who don't have their meds covered by insurance. I don't remember the exact savings, but it saved me a lot of $$$$.
by Ruger
Wed Jan 10, 2018 12:25 am
Forum: Personal Consumer Issues
Topic: Latest generation RAM 1500's
Replies: 27
Views: 1868

Re: Latest generation RAM 1500's

I have a 2016 Ram 1500 and I love it. Drives and handles much better than my Camry. Only reason I don't drive it full time is the gas mileage. Big V8 is a gas hog.
by Ruger
Tue Jan 09, 2018 2:22 am
Forum: Personal Finance (Not Investing)
Topic: SS Retirement Benefits for Widow with Minor Children
Replies: 14
Views: 1503

Re: SS Retirement Benefits for Widow with Minor Children

If you were married at least 10 years and are unmarried at age 60, I believe you can claim your husband's SS retirement benefit if it is larger than yours. I also think you can claim your own for early retirement, then switch to his at full-retirement age, again assuming his is larger. (Visa-versa ...
by Ruger
Mon Jan 08, 2018 11:20 am
Forum: Personal Consumer Issues
Topic: Hot Water Delay at faucet/shower far from water heater
Replies: 100
Views: 7279

Re: Hot Water Delay at faucet/shower far from water heater

We had this issue. I don't mind waiting for the shower to warm up because I turn it on while I get ready for it, and it only takes 90 seconds to warm up. The sinks were a different issue. Waiting 90 seconds to wash your hands or brush your teeth is a pain. We solved it by installing a small auxillar...
by Ruger
Thu Jan 04, 2018 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Is paying down the mortgage the right choice?
Replies: 16
Views: 1858

Re: Is paying down the mortgage the right choice?

I would pay off the mortgage early. It is a great feeling to have no debt. When the mortgage was paid off we had more to invest and took advantage of it. If your income went down unexpectedly you would no longer have a house payment to worry about. Once the mortgage was paid off I would increase in...
by Ruger
Thu Jan 04, 2018 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Two vastly different career considerations...Stability vs. Income
Replies: 67
Views: 4812

Re: Two vastly different career considerations...Stability vs. Income

I'd take the government job. A known commodity. If you have a wife and kids, I don't think it's a good idea to take a chance on taking a job you have no experience at, don't know if you will do well at, and don't know how much you will really be making. There is more to life than money and the time ...
by Ruger
Wed Jan 03, 2018 1:36 pm
Forum: Investing - Help with Personal Investments
Topic: Ally CD - No Penalty CD Help/Advice Needed
Replies: 30
Views: 4028

Re: Ally CD - No Penalty CD Help/Advice Needed

I opened a CD at the 2% rate but the money was not transferred until today. They are giving me the lower 1.7% rate. My understanding was that as long as the account was funded within 10 days I would receive the 2%. Now I will have to spend time on hold with them waiting to figure it out...I wouldn't...
by Ruger
Fri Dec 29, 2017 12:39 am
Forum: Personal Finance (Not Investing)
Topic: Capital 1.35% savings with $200 bonus (10k deposit)
Replies: 18
Views: 2734

Re: Capital 1.35% savings with $200 bonus (10k deposit)

Has anyone done the capital one 1.35% savings account with 1.35% and $200 bonus with 10k deposit? I'll take $200 for 10 minutes of work. Just want to make sure no hidden strings. Thanks. I took advantage of this offer earlier in the year. No hidden strings....the $200 bonus showed up in my account ...
by Ruger
Tue Dec 26, 2017 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Statefarm Auto Insurance goes up every 6 months without reason?
Replies: 50
Views: 3581

Re: Statefarm Auto Insurance goes up every 6 months without reason?

I called my State Farm agent and asked why my rates (no accidents, no tickets, no claims) were continuing to go up every 6 months, and by a lot. They claim it is because my area is growing so quickly that there are more drivers on the road driving more miles and causing more accidents. I think it's...
by Ruger
Tue Dec 26, 2017 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Statefarm Auto Insurance goes up every 6 months without reason?
Replies: 50
Views: 3581

Re: Statefarm Auto Insurance goes up every 6 months without reason?

I called my State Farm agent and asked why my rates (no accidents, no tickets, no claims) were continuing to go up every 6 months, and by a lot. They claim it is because my area is growing so quickly that there are more drivers on the road driving more miles and causing more accidents. I think it's ...