Search found 432 matches

by fishboat
Wed Sep 13, 2017 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Credit report freeze guide
Replies: 6
Views: 772

Credit report freeze guide

Perhaps I'm just paranoid, but to avoid searching and getting steered to "unofficial websites", does anyone have handy the official websites and CS numbers required to freeze credit reports at Experian, Equifax, Transunion, Innovis & Chexsystems?
by fishboat
Thu Aug 24, 2017 7:01 am
Forum: Personal Consumer Issues
Topic: Miles Davis: Kind of Blue - Question for Jazz experts
Replies: 49
Views: 3191

Re: Miles Davis: Kind of Blue - Question for Jazz experts

... I'd consider exploring more Miles Davis, but I understand he's had some radical transformations throughout his career, and I'm not quite yet at a place where I want to explore that. But I do want to explore more in the vein of what Kind of Blue is. I know, this also happens to be the most comme...
by fishboat
Thu Aug 17, 2017 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone planning on never retiring?
Replies: 138
Views: 10350

Re: Anyone planning on never retiring?

I have a sign on my refrigerator that says "retirement is a disease to avoid while you are healthy". I'll be honest..I find this statement very sad. I've been retired 18 months. Retirement isn't a disease like pneumonia. It's an opportunity to pursue your life's interests without the constraint of ...
by fishboat
Tue Aug 15, 2017 8:39 am
Forum: Personal Finance (Not Investing)
Topic: trailer SUV combination for tyro
Replies: 11
Views: 1134

Re: trailer SUV combination for tyro

OP..from the way you state your initial post, you have lots of research to do yet, but you probably know that. Some thoughts.. The bathroom/shower requirement will drive you to larger units. Class B units can easily run $100K (new). $100k goes a long way in Class C units and the Class C offers a rea...
by fishboat
Tue Aug 15, 2017 7:09 am
Forum: Personal Consumer Issues
Topic: Lightning strikes nearby locking up my new smart thermostat
Replies: 12
Views: 1451

Re: Lightning strikes nearby locking up my new smart thermostat

..the other side of the coin when one adopts new, "smart" whiz bang devices that add some novelty benefit. When they fail, need to be rebooted, need new software, don't play well with some new-standard device, become obsolete within a few years due to a new standard, has a glitchy interface, or requ...
by fishboat
Wed Aug 09, 2017 6:47 am
Forum: Personal Finance (Not Investing)
Topic: kids think lazy if retire?
Replies: 70
Views: 8031

Re: kids think lazy if retire?

OP..perhaps next time the kids make a "lazy" comment you could tactfully suggest they pay their own way through college. They'll then get to experience how much hard work is required to begin the path to being lazy at 50. I was going to say...that's the response I would have gotten if I had talked ...
by fishboat
Wed Aug 09, 2017 6:09 am
Forum: Personal Consumer Issues
Topic: 2017’s Best & Worst States for Health Care
Replies: 15
Views: 2147

Re: 2017’s Best & Worst States for Health Care

Thanks Victoria for posting this. Good/useful info, nice data workup and overall-interactive presentation..brings back memories of a former life.
by fishboat
Mon Aug 07, 2017 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: kids think lazy if retire?
Replies: 70
Views: 8031

Re: kids think lazy if retire?

OP..perhaps next time the kids make a "lazy" comment you could tactfully suggest they pay their own way through college. They'll then get to experience how much hard work is required to begin the path to being lazy at 50.
by fishboat
Mon Aug 07, 2017 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: IRS says I owe..I don't
Replies: 34
Views: 5595

Re: IRS says I owe..I don't

OP here..just closing the loop. I rec'd a letter today from the IRS. After reviewing the documentation I sent, they stated the issue is now closed with $0 owed.

Thanks again to all that helped point me down the right the path & proper 8606 entries to resolved their questions.
by fishboat
Mon Aug 07, 2017 9:37 am
Forum: Personal Consumer Issues
Topic: Late model Windows 7 laptop
Replies: 12
Views: 940

Re: Late model Windows 7 laptop

I've updated three PCs from Win 7 to Win 10 in the last year. All have now gone through the Creator's update. It's been a 'non-event' on all three machines. All the machines are 5-10 years old(one laptop, two desktops) and average machine-builds, nothing special. Never experienced Win 8, but Win 7 a...
by fishboat
Fri Aug 04, 2017 5:47 am
Forum: Personal Finance (Not Investing)
Topic: How to calculate drive time in traffic?
Replies: 22
Views: 965

Re: How to calculate drive time in traffic?

Google Maps knows. Both the estimated arrival time and time best route to take... I've tried on Google Maps but I don't think it can calculate est. time during a specific time frame. It does if you run google maps during your expected commute timeframe. Google monitors real-time cell phone movement...
by fishboat
Fri Aug 04, 2017 5:40 am
Forum: Personal Consumer Issues
Topic: "National Parks senior passes in short supply."
Replies: 34
Views: 3700

Re: "National Parks senior passes in short supply."

Ruger wrote:...Big time bargain even at $80.
+1 $10..$80..still one of the best deals available anywhere.
by fishboat
Fri Aug 04, 2017 5:35 am
Forum: Personal Consumer Issues
Topic: Mr handyman?
Replies: 14
Views: 2037

Re: Mr handyman?

It's a franchise & only as good as the local service provider. Labor rates will also be local. "Generalizing" something like this won't be accurate. I had them replace a window and cedar siding around the window. I provided the siding, freshly stained, to match the freshly restained house. They meas...
by fishboat
Thu Aug 03, 2017 10:08 am
Forum: Personal Consumer Issues
Topic: Riding a bike in Bogota, Colombia?
Replies: 6
Views: 729

Re: Riding a bike in Bogota, Colombia?

I knew there was something else..You may want to contact Charles Lemieux on crazy guy.. https://www.crazyguyonabike.com/doc/?doc_id=17616 I hosted him for a night last summer as he was passing through. He's French-Canadian from Quebec City and was on his way to Patagonia. I'm not sure where he is cu...
by fishboat
Wed Aug 02, 2017 10:11 pm
Forum: Personal Consumer Issues
Topic: Riding a bike in Bogota, Colombia?
Replies: 6
Views: 729

Re: Riding a bike in Bogota, Colombia?

The best place to look for country-specific information on cycling is crazyguyonabike.com . Here are a couple thousand links from that site on Bogota . +1 on crazyguyonabike. You may also want to take a look at Megan & Gordon's site http://www.bikelivingtheamericas.com/about/ They recently complete...
by fishboat
Tue Jul 18, 2017 10:38 am
Forum: Personal Consumer Issues
Topic: Essential Bike (bicycle) Accessories
Replies: 71
Views: 3939

Re: Essential Bike (bicycle) Accessories

The OP actually needs 0% of the stuff above. ...Agreed! There is lots of great suggestions upthread but if you follow them all you will simultaneously be prepared for century road rides, backwoods trail riding in the mountains, busy urban roads, and your local bike path. Of course, that's assuming ...
by fishboat
Mon Jul 17, 2017 1:51 pm
Forum: Personal Consumer Issues
Topic: Essential Bike (bicycle) Accessories
Replies: 71
Views: 3939

Re: Essential Bike (bicycle) Accessories

Essentials.. >Inner tube repair kit with extra, unopened, contact cement tubes. Key is the unopened cement tubes. You open one, use a little, put it back in your bag..the next time you need it, it'll be dried up and you're $ol. Pack 2-3 new 0.25oz tubes. >multi-tool kit and tire wrenches: https://ww...
by fishboat
Mon Jul 17, 2017 9:37 am
Forum: Personal Consumer Issues
Topic: Photobucket is out of control with popups. Alternatives?
Replies: 14
Views: 1560

Re: Photobucket is out of control with popups. Alternatives?

Photobucket has just disabled 3rd party linking to images on its site via URLs (or one can pay $399 a year to keep the links). They haven't blocked everyone as my (reasonably limited these days) links to photos are working fine, but, from what I understand, their intent is to hit folks like me even...
by fishboat
Mon Jul 17, 2017 9:20 am
Forum: Personal Consumer Issues
Topic: Shopping for first bike since I was a kid
Replies: 121
Views: 6959

Re: Shopping for first bike since I was a kid

Sounds like you "done-good". Congrats. Sounds like a good bike shop to do business with. Avoid "gel" seat covers and big poofy seats. If you ride often enough your sit bones will get accustomed to it. Refer the the Cervelo Engineering site I posted earlier to understand seat selection, if needed. Af...
by fishboat
Thu Jul 13, 2017 5:56 pm
Forum: Personal Consumer Issues
Topic: Shopping for first bike since I was a kid
Replies: 121
Views: 6959

Re: Shopping for first bike since I was a kid

I'd think a couple levels up from the bottom would work fine. Derailleur groups are so much better than they were years ago. How much better you might see with each level may be a good question, or has been discussed already, on the bikeforum.net forum. Parts that really matter are first the deraill...
by fishboat
Thu Jul 13, 2017 3:17 pm
Forum: Personal Consumer Issues
Topic: Shopping for first bike since I was a kid
Replies: 121
Views: 6959

Re: Shopping for first bike since I was a kid

When I was 73 years old and recovering from hip surgery I discovered I could more easily ride a stationary bike than walk any distance. The physical therapist suggested I might investigate the purchase of a "surfer" bike. The first bike I purchased was a Schwinn 7 speed bike for $200 at Kmart. I ro...
by fishboat
Thu Jul 13, 2017 3:01 pm
Forum: Personal Consumer Issues
Topic: Shopping for first bike since I was a kid
Replies: 121
Views: 6959

Re: Shopping for first bike since I was a kid

How "important" is the rear derailleur for durability and reliabliy? Assuming negligible difference in price at call it $70 difference, is this particular advantage really worth high attention? I'm still a little new to judging these components and I know these are all entry level bikes, but if the...
by fishboat
Thu Jul 13, 2017 2:44 pm
Forum: Personal Consumer Issues
Topic: Shopping for first bike since I was a kid
Replies: 121
Views: 6959

Re: Shopping for first bike since I was a kid

I'm not finding my mtb tires on the web. They're basically mild-tread slicks in the center with cleated-ribs on the far edges. They're fast on streets, rail trails, and off trail. If I get too far off trail the cleats on the front-side walls grip the trail so I don't move around much. That sounds k...
by fishboat
Thu Jul 13, 2017 2:23 pm
Forum: Personal Consumer Issues
Topic: Shopping for first bike since I was a kid
Replies: 121
Views: 6959

Re: Shopping for first bike since I was a kid

You're looking at Trek & Giant..might as well look at Specialized too (the big three) https://www.specialized.com/us/en/men/bikes/mountain/trail/hardrock-v-650b/115480 https://www.specialized.com/us/en/men/bikes/mountain/trail/rockhopper-29/115566 Fuji, Diamondback, and GT are other options(Performa...
by fishboat
Thu Jul 13, 2017 1:52 pm
Forum: Personal Consumer Issues
Topic: Shopping for first bike since I was a kid
Replies: 121
Views: 6959

Re: Shopping for first bike since I was a kid

\ It'll be interesting to try the 27.5" wheels vs the 29. Wheel size doesn't matter. The "29er" is a marketing thing more than anything else..it creates a "buzz". 29ers are the same wheel size as 700c road bike tires. Typically mountain bikes came with 26 inch wheels. I believe 26 inch wheels are a...
by fishboat
Thu Jul 13, 2017 1:18 pm
Forum: Personal Consumer Issues
Topic: Shopping for first bike since I was a kid
Replies: 121
Views: 6959

Re: Shopping for first bike since I was a kid

\ It'll be interesting to try the 27.5" wheels vs the 29. Wheel size doesn't matter. The "29er" is a marketing thing more than anything else..it creates a "buzz". 29ers are the same wheel size as 700c road bike tires. Typically mountain bikes came with 26 inch wheels. I believe 26 inch wheels are a...
by fishboat
Thu Jul 13, 2017 12:37 pm
Forum: Personal Consumer Issues
Topic: Checking out older used car purchase
Replies: 7
Views: 579

Re: Checking out older used car purchase

Examples of one of the best deals going in reliable, comfortable, good mpg (21/26), inexpensive autos: https://danville.craigslist.org/ctd/6197859815.html https://greensboro.craigslist.org/cto/6165820689.html https://norfolk.craigslist.org/cto/6180774034.html Been an owner for 12 years. Great car, i...
by fishboat
Wed Jul 12, 2017 9:19 am
Forum: Personal Consumer Issues
Topic: Shopping for first bike since I was a kid
Replies: 121
Views: 6959

Re: Shopping for first bike since I was a kid

You seem to be basing your purchase primarily on price and theory/advice...possibly mixed in with a brief ride around a parking lot(somewhat meaningless if you don't know what you're looking for in terms of fit/geometry..etc.). I think you might be able to make a better decision if you rented a cou...
by fishboat
Wed Jul 12, 2017 8:26 am
Forum: Personal Consumer Issues
Topic: Moving a car cross country
Replies: 54
Views: 2896

Re: Moving a car cross country

OP..send me a PM. I may be able to drive it. I have a spotless driving record for the last 40+ years, recently early-retired, my timing is flexible, 1200 miles..no sweat, been there, done that more than a few times.
by fishboat
Wed Jul 12, 2017 7:58 am
Forum: Personal Consumer Issues
Topic: Shopping for first bike since I was a kid
Replies: 121
Views: 6959

Re: Shopping for first bike since I was a kid

You seem to be basing your purchase primarily on price and theory/advice...possibly mixed in with a brief ride around a parking lot(somewhat meaningless if you don't know what you're looking for in terms of fit/geometry..etc.). I think you might be able to make a better decision if you rented a coup...
by fishboat
Tue Jul 11, 2017 9:37 am
Forum: Personal Consumer Issues
Topic: Shopping for first bike since I was a kid
Replies: 121
Views: 6959

Re: Shopping for first bike since I was a kid

Just recently I sold a bike on Craigslist I had bought from a work friend that was too small for her. It was a 1995 Georgina Terry (women's specific road bike), steel, with Shimano 105 components. It probably had less than 500 miles on it - fantastic condition. I couldn't get more than $125 for it....
by fishboat
Sun Jul 09, 2017 8:24 am
Forum: Personal Consumer Issues
Topic: Excel 2010 and Windows 7 -- Where to go from here?
Replies: 39
Views: 2979

Re: Excel 2010 and Windows 7 -- Where to go from here?

Not so long ago I was an advanced user of Excel and Tableau. Both are very versatile and work well together (Excel as datasource for Tableau). Excel is very easy to use when manipulating data. You can then use Tableau to analyze and work the data up. Tableau is extremely powerful for real-time, non-...
by fishboat
Sun Jul 09, 2017 8:06 am
Forum: Personal Consumer Issues
Topic: Shopping for first bike since I was a kid
Replies: 121
Views: 6959

Re: Shopping for first bike since I was a kid

OP..go here: http://www.bikeforums.net/ and do some research. There are sub-forums where you'll find lots of similar people that have gone before you. There's lots of good advice scattered in the posts here, but to find/recognize it you'll need to know more than you do right now. Where do you live? ...
by fishboat
Sat Jul 08, 2017 6:12 am
Forum: Personal Consumer Issues
Topic: New roof suggestions.
Replies: 29
Views: 2930

Re: New roof suggestions.

Just had mine done..I went with Owens Corning Duration..good stuff. A roof is not something you want to go super cheap on.

https://www.owenscorning.com/roofing/sh ... s/duration

Have a full tear-off done and water-ice damning membrane applied if needed (by gutters and around flashings).
by fishboat
Fri Jul 07, 2017 7:03 am
Forum: Personal Finance (Not Investing)
Topic: IRS Notice CP2000 for Tax Year 2015 Backdoor Roth
Replies: 5
Views: 712

Re: IRS Notice CP2000 for Tax Year 2015 Backdoor Roth

One of the four threads you read may be https://www.bogleheads.org/forum/viewtopic.php?f=2&t=219225&p=3383040&hilit=irs+says+I+owe#p3383040 if not, you may find some insight there. I received a letter from the IRS a couple days ago stating they received my response and need to review it. No addition...
by fishboat
Thu Jul 06, 2017 7:54 pm
Forum: Personal Consumer Issues
Topic: Passing through Las Vegas for 1.5 days..hiking
Replies: 19
Views: 1299

Re: Passing through Las Vegas for 1.5 days..hiking

I've been banging on this for hours. I finally looked at google maps for the route between LV and the North Rim to see what was along the way..duh..I didn't realize we'd be driving so close to Zion. That seems like a no brainer..potentially cooler temps, but probably no warmer(?) and certainly much ...
by fishboat
Thu Jul 06, 2017 5:45 pm
Forum: Personal Consumer Issues
Topic: Passing through Las Vegas for 1.5 days..hiking
Replies: 19
Views: 1299

Re: Passing through Las Vegas for 1.5 days..hiking

Thanks all so far & thanks Adam for the hiking location suggestions, I'll look them up. Our lodging on the North Rim is all taken care of & decided. My questions are specifically for the LV segment of the trip. I'm still going through searches..looking at options..
by fishboat
Thu Jul 06, 2017 3:14 pm
Forum: Personal Consumer Issues
Topic: Passing through Las Vegas for 1.5 days..hiking
Replies: 19
Views: 1299

Passing through Las Vegas for 1.5 days..hiking

Toward the end of the month we'll be flying into Las Vegas on our way to hiking on the North Rim, Grand Canyon. While Vegas-strip can be somewhat entertaining, we're considering staying on the outside of Vegas and travel into the city-strip one day/evening. We'll have about 1.5 days in the Vegas-pro...
by fishboat
Mon Jun 26, 2017 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Where to find a financially like-minded significant other?
Replies: 140
Views: 9146

Re: Where to find a financially like-minded significant other?

OP..give Meetup.com a try. It's not a dating site..it's about "finding like-minded people" (approx 50% of which are women). It's very common to have many friends, but most/all of those friends aren't interested in some activity you like to do. Finding people that do enjoy your interest is ...
by fishboat
Mon Jun 26, 2017 8:08 am
Forum: Personal Consumer Issues
Topic: Stupid Security Questions
Replies: 46
Views: 4036

Re: Stupid Security Questions

Whether questions are dumb or not really doesn't matter, your answer does matter though. Need an answer to "What brand of shampoo do you use?"... I'd suggest "fireplace" Or an answer to "..what was your reception location?" maybe "lawnmower" You're too linear ...
by fishboat
Mon Jun 26, 2017 7:59 am
Forum: Personal Consumer Issues
Topic: HP Laptop - Black Screen - Help
Replies: 14
Views: 1123

Re: HP Laptop - Black Screen - Help

Try plugging it into an external monitor, if you have one. If the external shows a display and the laptop screen is blank, then the laptop screen needs to be replaced. I replaced mine a couple of months ago - replacement LCD from an eBay vendor ($50), and a "how-to" Youtube video playing ...
by fishboat
Thu May 25, 2017 1:04 pm
Forum: Personal Consumer Issues
Topic: Advice on kid's precalc learning
Replies: 47
Views: 3360

Re: Advice on kid's precalc learning

5. Choose a simpler math curriculum and resign yourself to the fact that your kid does not need to do precalc, nor calc to succeed in the future. What he said..if he's not getting pre-calc then calculus is not for him, now or in the future. I did Calc I-IV...and I actually enjoyed it/aced it. Not e...
by fishboat
Thu May 25, 2017 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Help with filling out 8606
Replies: 3
Views: 425

Re: Help with filling out 8606

The answer is in my recent thread(scroll down to form examples & discussion): https://www.bogleheads.org/forum/viewtopic.php?f=2&t=219225 You seem to be converting to a roth some time after you contributed to the t-ira and yet you show no returns(basis=conversion)..worth rechecking to see if...
by fishboat
Thu May 25, 2017 9:56 am
Forum: Personal Consumer Issues
Topic: Carpet Cleaning Rental
Replies: 7
Views: 690

Re: Carpet Cleaning Rental

Used them many times over the last 40+ years. I own one that is that old..still works. A strainer may be appropriate if you suspect some metal objects, but dumping the wastewater in the toilet is typical. >Vacuum the carpet thoroughly >Use straight hot (only) tap water to mix the solution. It'll coo...
by fishboat
Thu May 25, 2017 9:18 am
Forum: Personal Finance (Not Investing)
Topic: IRS says I owe..I don't
Replies: 34
Views: 5595

Re: IRS says I owe..I don't

The Form 8606 for 2014 would be: 1 6500. (Nondeductible contributions for year) 3 6500. (sum of lines 1 and 2) 4 6500. (contribution for 2014 made in 2015) 14 6500. (line 13 minus line 3) Form 8606 for 2015 would be: 1 6500. (Nondeductible contributions for year) 2 6500. (IRS basis from previous ye...
by fishboat
Mon May 22, 2017 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: IRS says I owe..I don't
Replies: 34
Views: 5595

Re: IRS says I owe..I don't

fishboat, since you feel like it was TT that messed up your Form 8606, see if the post by Chip on this thread might clear things up for you. According to Chip, you can think you entered the conversion step right but it is possible to answer one of the questions wrong and that results in nothing on ...
by fishboat
Sat May 20, 2017 10:47 am
Forum: Personal Finance (Not Investing)
Topic: IRS says I owe..I don't
Replies: 34
Views: 5595

Re: IRS says I owe..I don't

Thanks to those posting the line by line entries..this is really helpful. I didn't realize filling in the form 8606 is a whole topic unto itself...after some searching here, it seems to be. Turbo Tax definitely hosed up the form. My fault as I didn't physically check how it filled it out. My first c...
by fishboat
Sat May 20, 2017 10:30 am
Forum: Personal Finance (Not Investing)
Topic: IRS says I owe..I don't
Replies: 34
Views: 5595

Re: IRS says I owe..I don't

ICMoney wrote:
Do you have a gmail account? You can use HelloFax to fax scanned documents on your computer, which I think is free (or used to be) with gmail.


Interesting..I do have a gmail account, but wasn't aware of that option. A scanner I have..this sounds like the way to go. thx!
by fishboat
Fri May 19, 2017 9:57 am
Forum: Personal Finance (Not Investing)
Topic: IRS says I owe..I don't
Replies: 34
Views: 5595

Re: IRS says I owe..I don't

Actually, the IRS provides a fax number for responding to these notices and that's the best way to respond. I have no land line nor fax..but maybe my bank can handle it. Overall..I've pulled up all the docs and talked with Vanguard(they notify the IRS of both the ira distribution and roth conversio...
by fishboat
Fri May 19, 2017 6:07 am
Forum: Personal Finance (Not Investing)
Topic: IRS says I owe..I don't
Replies: 34
Views: 5595

Re: IRS says I owe..I don't

Sounds like a plan folks..documentation and a letter. I have the former and can write the latter...with that, I'm sure they'll say, "never mind.." 20+ degrees cooler here than yesterday..that makes today a good time to dig into this.

Thanks to all for the help!