Search found 221 matches

by cleosdad
Thu Jul 14, 2016 8:37 am
Forum: Personal Consumer Issues
Topic: Hiking questions
Replies: 154
Views: 8447

Re: Hiking questions

Don't overthink it. You're walking through the woods, hopefully up a hill. Wear comfortable shoes. This is me. I belong to 3 hiking groups and hike here in CO. mountains 3-4 times a week. All day hikes from 4-12 miles. I wear trail running shoes and carry water. No poles, pack, deet, whatever to sl...
by cleosdad
Tue Jul 12, 2016 1:28 pm
Forum: Personal Consumer Issues
Topic: Hiking questions
Replies: 154
Views: 8447

Re: Hiking questions

Don't overthink it. You're walking through the woods, hopefully up a hill. Wear comfortable shoes. This is me. I belong to 3 hiking groups and hike here in CO. mountains 3-4 times a week. All day hikes from 4-12 miles. I wear trail running shoes and carry water. No poles, pack, deet, whatever to sl...
by cleosdad
Wed Jun 15, 2016 11:20 am
Forum: Investing - Help with Personal Investments
Topic: Could John Bogle Be Right About International Stock?
Replies: 222
Views: 27444

Re: Could John Bogle Be Right About International Stock?

Basis points? Vanguard total US stock market has a 0.05% fee. Vanguard total foreign stick has a 0.12% fee. That is 7 basis points, the foreign stock fee must have been reduced since that post. That means foreign stock has to out perform US stocks by 7 basis points just to stay even. Sorry, I was j...
by cleosdad
Tue Jun 14, 2016 12:27 pm
Forum: Investing - Help with Personal Investments
Topic: Could John Bogle Be Right About International Stock?
Replies: 222
Views: 27444

Re: Could John Bogle Be Right About International Stock?

you will do just fine investing strictly in the United States? I think the above is a true statement. You will do just fine using CDs, too. You will do just fine using costly variable annuities. You will do just fine paying 2% in expense ratios. Please define what "do just fine" means. I ...
by cleosdad
Sun May 15, 2016 9:22 am
Forum: Personal Finance (Not Investing)
Topic: FERS FEHB and Medicare Part B
Replies: 25
Views: 1546

Re: FERS FEHB and Medicare Part B

I have a similar question about GEHA standard and high when combined with Medicare. I hope someone has input. A long time ago, I used a lower tier plan (don't remember if it was GEHA or BCBS) and I found out the hard way that I had to pay $25 a visit for physical therapy. Twice or 3 times a week fo...
by cleosdad
Fri May 13, 2016 9:57 am
Forum: Personal Consumer Issues
Topic: Quality; shower hardware where to find it?
Replies: 23
Views: 1604

Re: Quality; shower hardware where to find it?

Find a bathroom supply store with a nice showroom. Find one that at the least has a few of the names mentioned above. There's no substitute for seeing things in person and also touching them, especially to avoid that cheap feeling that isn't visible in photos. Once there, find a sales rep (yes, the...
by cleosdad
Sat Mar 12, 2016 11:23 am
Forum: Personal Consumer Issues
Topic: Holding and Forwarding Mail
Replies: 10
Views: 1393

Re: Holding and Forwarding Mail

Only first class (full postage) mail will be forwarded. Even if non-first class mail has your name on it, it won't be forwarded. Non-first class mail could include bulk mailings (from organizations that sends out a lot of pieces in one mailing) and magazines/catalogs, I believe. So start making a l...
by cleosdad
Fri Jan 29, 2016 11:28 am
Forum: Personal Consumer Issues
Topic: Denver Vacation (with 6 year old)
Replies: 40
Views: 3028

Re: Denver Vacation (with 6 year old)

runner9 wrote:Thanks everyone so far, this is a lot of great information. I've read through it once but will certainly read it all very closely this weekend and take notes. Thanks!

Runner, I live in Littleton close to Red Rocks. Feel free to P.M. me if you wish. Tim
by cleosdad
Thu Jan 21, 2016 11:17 am
Forum: Personal Consumer Issues
Topic: Stunning Increase In Homeowner's Ins Premium
Replies: 22
Views: 3812

Re: Stunning Increase In Homeowner's Ins Premium

Follow-up: I contacted a local insurance broker representing lots of companies and who has been able to watch the claims process from lots of them as well. Am switching from The Hartford to Chubb - slightly higher overall premium (home, auto, umbrella) for much better policies. Thanks to all. Bolde...
by cleosdad
Mon Jan 18, 2016 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Part B Premiums if I have retired?
Replies: 10
Views: 1291

Re: Medicare Part B Premiums if I have retired?

I know that generally your Medicare Part B premium is determined by looking at your MAGI from 2 years ago. My DW will turn 65 in a few months, and she will sign up for Parts A, B and D. I moved to semi-retirement late in 2015, so our income will be considerably lower in 2016 than it was in 2014. Me...
by cleosdad
Wed Dec 30, 2015 11:58 am
Forum: Personal Consumer Issues
Topic: Price to replace the catalytic converters in a Toyota Highlander
Replies: 50
Views: 3469

Re: Price to replace the catalytic converters in a Toyota Highlander

I tried resetting the gas cap, no good. Note that resetting the gas cap will not clear the Check Engine light if that's why the light is on- you need to disconnect and reconnect the battery after tightening it properly (had this issue on my 2000 Avalon recently, and that's what fixed it). This is c...
by cleosdad
Sun Dec 20, 2015 11:03 am
Forum: Personal Consumer Issues
Topic: What is best Titanium Road Bike
Replies: 32
Views: 4622

Re: What is best Titanium Road Bike

I have a Litespeed Ti frame with carbon fork that came out of Chattanooga before the Lynskey family sold the company to American Bike , full Campy components - love it . American Bike continued to sell the Litespeed brand but when the non-compete time period ended Lynskey started making bikes again...
by cleosdad
Wed Dec 16, 2015 10:44 am
Forum: Personal Consumer Issues
Topic: Holiday tipping: letter carriers
Replies: 120
Views: 9782

Re: Holiday tipping: letter carriers

A writer becomes a carrier for the United States Postal Service out of a long-held love for the mail. What she discovers are screams, threats, lies, labor violations, and dog attacks. ... here’s my advice to you, receiver of mail: Continue giving your letter carriers a Christmas bonus; they won’t s...
by cleosdad
Thu Dec 10, 2015 9:12 am
Forum: Investing - Theory, News & General
Topic: Vanguard Customer Service Issues
Replies: 102
Views: 8854

Re: We're not allowed to complain about Vanguard here?

I am concerned that Vanguard, in an effort to win the expense ratio war, is going down the same road that VW did when it wanted to become the volume leader. Corners will be cut.. - I am concerned about Vanguard's lackadaisical approach to security - I am concerned about features (free CFP access, t...
by cleosdad
Tue Dec 08, 2015 11:38 am
Forum: Personal Consumer Issues
Topic: Holiday tipping: letter carriers
Replies: 120
Views: 9782

Re: Holiday tipping: letter carriers

Anybody who thinks letter carriers don't work hard should try delivering mail in 10 degree windy weather for hours, often to mailboxes where the homeowner hasn't shoveled away 2-3 feet of snow. Mouses, Yes I did it for 31 years. I chuckle at some of these responses. You would be amazed at how many ...
by cleosdad
Wed Oct 28, 2015 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Heading toward divorce- what to look out for?
Replies: 51
Views: 9830

Re: Heading toward divorce- what to look out for?

There is good advice above. I will also recommend getting a mediator or collaborative divorce and keeping it out of courts and avoiding the punishingly expensive lawyer fees. Mediation divorces and Collaborative divorces are two different things, but either is significantly better than the more tra...
by cleosdad
Tue Sep 01, 2015 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Fed Retiree with FEHB-SAMBA and Medicare B
Replies: 33
Views: 3337

Re: Fed Retiree with FEHB-Enroll in Medicare Plan B or Not?

retiredjg; For Medicare Part B annuitants I thought the only difference between GEHA High and Standard options was Rx coverage. Is that what you mean "more on bills?" We have High option and were planning to drop it for Standard. As you know, the premiums are much lower. I don't remember ...
by cleosdad
Mon Jul 20, 2015 8:55 am
Forum: Personal Consumer Issues
Topic: Rx Savings Card - Too Good to Be True?
Replies: 34
Views: 3252

Re: Rx Savings Card - Too Good to Be True?

It depends... ALL federal programs including part d do not allow the use of cards that discount the copay. This is a violation of federal law. Most of the copy cards require the primary insurance to pay something before they will pay anything. They realize if your primary is not paying you will not...
by cleosdad
Thu Jul 16, 2015 8:56 am
Forum: Personal Consumer Issues
Topic: Are the more expensive bikes worth paying for?
Replies: 78
Views: 6399

Re: Are the more expensive bikes worth paying for?

Steel can rust, yes, but under reasonable storage conditions it doesn't. My bikes are all steel framed and going strong after decades of use. As for steel parts, it really depends on the application. In some cases, like wheel rims and chain rings, steel indicates either a cheap bike or an antique. ...
by cleosdad
Sun Apr 26, 2015 9:33 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Portfolio + Tax Concerns
Replies: 13
Views: 1101

Re: Vanguard Portfolio + Tax Concerns

Hello, Looking for help in getting my portfolio under control. I've moved everything over to Vanguard recently. Details below. Emergency funds: $480k cash (not at Vanguard, split across savings accounts) Debt: Personal Home = Paid Off (worth $350k), Investment Property (worth $300k) = $175k mortgag...
by cleosdad
Thu Mar 26, 2015 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Huge Tax Bill !!
Replies: 13
Views: 3369

Re: Huge Tax Bill !!

Flashes1 wrote:A wise man once told me to never skimp on medical advise, legal advise......and tax advise. You may want to find a good tax guy. That's what wealthy people do.

How about advice?
by cleosdad
Fri Feb 13, 2015 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Amica burned me, now what...
Replies: 43
Views: 6660

Re: Amica burned me, now what...

Funny how just this week I decided to cancel my Amica policy - after how many years (something like 10 or 11) of good service from them. I found out that my next-door neighbor was getting his homeowner's insurance from Erie (a small insurer that covers only 12 states), and was very pleased. Did an ...
by cleosdad
Mon Feb 09, 2015 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Roth contribution question
Replies: 6
Views: 583

Re: Roth contribution question

And can I contribute to my Roth based on her $3000 income? "Yes If you’re married and you file a joint return, you can make a regular contribution to a Roth IRA even if you have little or no qualifying income. Solely for the purpose of determining how much you can contribute to an IRA, you’ll ...
by cleosdad
Tue Jan 20, 2015 10:42 am
Forum: Investing - Help with Personal Investments
Topic: Asset allocation & taxes
Replies: 7
Views: 800

Re: Asset allocation & taxes

There's a very common misperception, so common nobody should feel bad about having shared it - I personally certainly did - that there exists a fundamental difference between a Roth and a traditional IRA (or 401(k)). They turn out to be equivalent, if we hold all other factors equal, as one would t...
by cleosdad
Sat Jan 17, 2015 11:30 am
Forum: Investing - Theory, News & General
Topic: Are there any advisors on this site?
Replies: 30
Views: 3169

Re: Are there any advisors on this site?

I don't think Mike Piper is an investment/financial advisor, just an author/blogger. The others recommend something more complicated than three funds to clients, I believe. That said, I don't want to speak for any of them, just pointing out my observations, which may be wrong. As pointed out above,...
by cleosdad
Sat Jan 17, 2015 10:48 am
Forum: Investing - Theory, News & General
Topic: Are there any advisors on this site?
Replies: 30
Views: 3169

Re: Are there any advisors on this site?

I don't think Mike Piper is an investment/financial advisor, just an author/blogger. The others recommend something more complicated than three funds to clients, I believe. That said, I don't want to speak for any of them, just pointing out my observations, which may be wrong. As pointed out above,...
by cleosdad
Sun Jan 04, 2015 10:44 am
Forum: Investing - Help with Personal Investments
Topic: Keep making IRA contributions? Backdoor Roth?
Replies: 3
Views: 699

Re: Keep making IRA contributions? Backdoor Roth?

His IRA $12K in fund of funds Her IRA $194K in fund of funds His Simple IRA $22K It looks like his IRA total is 12k+22k = $34k (what is the difference in these two IRAs? Are they Traditional, SEP, and SIMPLE IRA accounts) Her IRA is $194k When filing your income taxes, the money you convert will be...
by cleosdad
Fri Jan 02, 2015 11:15 am
Forum: Investing - Theory, News & General
Topic: Eight Lazy Portfolios. Eight roads to Dublin.
Replies: 14
Views: 2974

Re: Eight Lazy Portfolios. Eight roads to Dublin.

Bogleheads: Paul Ferrell is a senior investment columnist for MarketWatch who prefers "Lazy Portfolios." Below are ten-year annualized returns ending today for 8 portfolios recommended by 8 different investment authorities.[/u] Aronson Family Taxable ------------6.62% Fundadvice Ultimate ...
by cleosdad
Fri Dec 19, 2014 3:05 pm
Forum: Personal Consumer Issues
Topic: Denver area ski in/out lodging?
Replies: 22
Views: 1724

Re: Denver area ski in/out lodging?

Anon1234 wrote:
cleosdad wrote: PM me if you need to. Tim


Tim, No need to keep it between us. Please share your knowledge in the thread.

Okay go to Copper Mountain.
by cleosdad
Fri Dec 19, 2014 10:56 am
Forum: Personal Consumer Issues
Topic: Denver area ski in/out lodging?
Replies: 22
Views: 1724

Re: Denver area ski in/out lodging?

We have our first family ski trip to Denver area in late January - Early February. I'm stumped with lodging. Do you have advice or recommendations for us? I have been looking at Breckenridge, but I could go to Copper Mountain, Keystone, Winter Park or Vail. Prefer not to drive farther than Vail. I ...
by cleosdad
Thu Dec 04, 2014 12:12 pm
Forum: Personal Consumer Issues
Topic: tipping rubbish pickup people and letter carriers
Replies: 56
Views: 4462

Re: tipping rubbish pickup people and letter carriers

Mail carriers working for the United States Postal Service are allowed to accept the following items during the holiday season: Snacks and beverages or perishable gifts that are not part of a meal. Small gifts that have little intrinsic value (travel mugs, hand warmers, etc…) and are clearly no mor...
by cleosdad
Fri Nov 14, 2014 11:21 am
Forum: Personal Consumer Issues
Topic: Consider freezing your credit
Replies: 45
Views: 6067

Re: Consider freezing your credit

If the crooks already know your SSN and where you live, etc., can't they also unfreeze your credit? No, because there is a password needed to unfreeze. (This is also why you need to unfreeze it yourself; when you apply for credit, you give the bank your SSN, address, salary, etc., but the bank can'...
by cleosdad
Wed Nov 12, 2014 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Confused by FEHB & Medicare
Replies: 16
Views: 1067

Re: Confused by FEHB & Medicare

Re-posting the above Checkbook article. The above-link is not good. https://sites.google.com/site/narfechapter135/home/a-pay-raise---finally Thank you for the link. It's good to know, even though I don't need this information yet. If I had to decide today, I'd get all three, i.e., Medicare Part A, ...
by cleosdad
Wed Nov 12, 2014 11:42 am
Forum: Personal Consumer Issues
Topic: Puerto Rico
Replies: 21
Views: 3370

Re: Puerto Rico

Culebra > Vieques >>>> Mainland Puerto Rico Seriously, stay a day or two on the mainland if you must but spend the majority in the Spanish Virgin Islands Vieques is one of my favorite vacation spots. Yes we took the ferry over to snorkel. We stayed in Rincon and hiked the rain forest. If we ever go...
by cleosdad
Wed Nov 12, 2014 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Confused by FEHB & Medicare
Replies: 16
Views: 1067

Re: Confused by FEHB & Medicare

Re-posting the above Checkbook article. The above-link is not good. https://sites.google.com/site/narfechapter135/home/a-pay-raise---finally Thank you for the link. It's good to know, even though I don't need this information yet. If I had to decide today, I'd get all three, i.e., Medicare Part A, ...
by cleosdad
Tue Nov 11, 2014 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Confused by FEHB & Medicare
Replies: 16
Views: 1067

Re: Confused by FEHB & Medicare

Yes I chose GEHA Standard. They actually pay more than I expected. My opinion is that the insurance companies are willing to waive deductibles and co-payments since our selection of Part B is voluntary, and if we chose not to have Part B, it would cost them much more. They are providing an incentiv...
by cleosdad
Tue Nov 11, 2014 12:01 pm
Forum: Personal Consumer Issues
Topic: Puerto Rico
Replies: 21
Views: 3370

Re: Puerto Rico

Sounds like good advice above. All I can add is that you can do all of Old San Juan, including a fort tour, in less than 1 day. I agree. We went last spring. One day in San Juan was enough for me. Saw the fort and toured the city. Very congested and some of the worst driving I have ever seen. Just ...
by cleosdad
Tue Nov 11, 2014 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Confused by FEHB & Medicare
Replies: 16
Views: 1067

Re: Confused by FEHB & Medicare

I'm a federal retiree. I retired at age 57. I had FEHB and paid the premium just like I always did when working, with the exception of payments being made monthly instead of bi-weekly. When I turned 65 and became eligible for Medicare, I chose to participate in Part B. I did not have to, but to del...
by cleosdad
Wed Nov 05, 2014 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Federal Employees: BCBS Basic or GEHA HDHP Health Insurance?
Replies: 50
Views: 10531

Re: Federal Employees: BCBS Basic or GEHA HDHP Health Insura

I have GEHA but not HDHP. I'm satisfied with the way they handle claims and their service in general. My situation is different however. I'm retired and use GEHA as a backup to Medicare. Sbashore, I am retired with BCBS Basic and Medicare. Was thinking about switching to GEHA. Any thoughts? Am also...
by cleosdad
Sun Nov 02, 2014 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Homeowners Policy Increased 26% in 2 Years
Replies: 29
Views: 3132

Re: Homeowners Policy Increased 26% in 2 Years

....This year, every State Farm customer in NC is getting a "Consent to Rate" form that allows them to charge more than the rates set by the NC rate bureau. If you don't sign the form you will be dropped. It's a scam. ...... Whoa, really? I'm in NC and have State Farm and haven't gotten a...
by cleosdad
Tue Oct 14, 2014 9:30 am
Forum: Personal Consumer Issues
Topic: Renting a car at St. Louis Airport
Replies: 11
Views: 911

Re: Renting a car at St. Louis Airport

Needing to fly out to St. Louis early Wed. morning and (of course) I am aghast at the daily car rental rates (I'll be there 4 days) at the airport quoted by the major carriers and through travel sites. Any idea on how to save here (i.e., any cheaper rental places near the airport that I could taxi ...
by cleosdad
Fri Sep 26, 2014 10:15 am
Forum: Personal Consumer Issues
Topic: Any Jeep enthusiasts? They seem to retain their value
Replies: 26
Views: 3823

Re: Any Jeep enthusiasts? They seem to retain their value

Well I took the plunge. We bought a 2000 Jeep Wrangler Sport with 88k miles on it for $11,500. It's in great condition and a ton of fun to drive! Direwolf, That's great. I have a 2001 Wrangler Sport with 80,000. It is in great condition and I love it. Glad to see it is worth that much but I will no...
by cleosdad
Thu Sep 25, 2014 9:59 am
Forum: Investing - Help with Personal Investments
Topic: What 3 funds should I have in my taxable account?
Replies: 8
Views: 1796

Re: What 3 funds should I have in my taxable account?

VTI - Vanguard Total Stock Market ETF (or VTSAX ) VWIUX - Vanguard Intermediate-Term Tax-Exempt Bond Fund Investor Shares (tax-exempt for investors in higher tax brackets) VXUS - Vanguard Total International Stock Market ETF (or VGTSX , but VXUS has a lower ER) Oldzey, Just a small correction. Tota...
by cleosdad
Fri Aug 01, 2014 10:12 am
Forum: Personal Consumer Issues
Topic: Can't decide final New Construction Option for Master Bath
Replies: 16
Views: 1414

Re: Can't decide final New Construction Option for Master Ba

Why can't you do exactly what you want? Are these the builder package limitations? Talk to the builder about other possibilities... I would go for Option 2 and skip the tub unless you or the other Master wants a tub. And get the tile you want or you will always regret it. Make sure they use Kerdi w...
by cleosdad
Sat Jul 26, 2014 10:44 am
Forum: Personal Consumer Issues
Topic: How to fix pop-up sprinkler head?
Replies: 13
Views: 1374

Re: How to fix pop-up sprinkler head?

Pull out the insides before you screw it in and turn on the water for a moment to remove any dirt. Put in shaft and spring and you are good to go. Usually you can just remove the nozzle and filter, not the whole head, when flushing the line. s.s. you are correct. I always replace the whole unit. Th...
by cleosdad
Sat Jul 26, 2014 10:22 am
Forum: Personal Consumer Issues
Topic: How to fix pop-up sprinkler head?
Replies: 13
Views: 1374

Re: How to fix pop-up sprinkler head?

It is fixed. It is about six inches long with a spring around it. They are easy to replace. Unscrew the whole unit. Take it to Home Depot and buy similar one (Rainbird and others). I do this all the time. Pull out the insides before you screw it in and turn on the water for a moment to remove any d...
by cleosdad
Mon Jul 21, 2014 10:16 am
Forum: Personal Consumer Issues
Topic: Recommendations for red oak hardwood sealer?
Replies: 4
Views: 656

Re: Recommendations for red oak hardwood sealer?

Toxic (either you are not living there or not worried about the smell)- Glitsa Multikote Pretty bomber- make sure to use proper applicator, holds up well, your brain will wonder what happened, floor looks good, more time to dry between coats, and more time until you can use the space Low Toxic Bona...
by cleosdad
Mon Jul 14, 2014 5:31 pm
Forum: Personal Consumer Issues
Topic: america the beautiful national parks and lands pass
Replies: 66
Views: 7455

Re: america the beautiful national parks and lands pass

Good strategy. OP doesn't state his age, but if he's nearing 62, he'll be eligible for a $10 lifetime pass, so that may need to be considered as well. The senior pass is one of the best bargains that I've ever run across. Perhaps the best strategy is to go to tons of them as a kid (free until 15), ...
by cleosdad
Sun Jul 13, 2014 9:26 pm
Forum: Personal Consumer Issues
Topic: america the beautiful national parks and lands pass
Replies: 66
Views: 7455

Re: america the beautiful national parks and lands pass

If you were "supposed" to buy a pass they'd ask for it on the way out. Or leave a box saying "leave your $25 here and leave the pass on your windshield." (lots of fee areas work this way.) Or a sign saying, "Nobody here right now, please pay on your way out." None of t...

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