Search found 207 matches

by tacster
Mon Feb 08, 2016 11:56 am
Forum: Personal Finance (Not Investing)
Topic: What happens when car accident claim exceeds insurance limits?
Replies: 52
Views: 3824

Re: What happens when car accident claim exceeds insurance limits?

Can anyone tell me what type of assets would be protected from a lawsuit judgment? IRA? Pension? Social Security? TSP? Personal residence?
by tacster
Thu Feb 04, 2016 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees: What percentage of your expenses are covered by SS and/or pensions
Replies: 84
Views: 5300

Re: Retirees: What percentage of your expenses are covered by SS and/or pensions

Pension covers 100% of my basic living expenses - food, shelter, and clothing. I could live on that alone but it wouldn't be much fun. Investment income is used for optional, fun, non-mandatory spending. Currently age 59 so no SS yet but that will be a nice bonus when it starts.
by tacster
Wed Feb 03, 2016 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: What age did you retire
Replies: 84
Views: 6406

Re: What age did you retire

starguru wrote:I'd be curious to know what guidelines folks used to determine if they had enough...e.g. 4% rule. Also, did folks plan in a buffer (so maybe 3% rule instead)....?

For me it was amassing 35x annual expenses, with a pension factored in.
by tacster
Wed Feb 03, 2016 12:35 pm
Forum: Personal Consumer Issues
Topic: Am I Over Insuring My House?
Replies: 17
Views: 1800

Re: Am I Over Insuring My House?

Don't forget to add replacement cost of house contents.
by tacster
Wed Feb 03, 2016 12:08 am
Forum: Personal Finance (Not Investing)
Topic: What age did you retire
Replies: 84
Views: 6406

Re: What age did you retire

As soon as I was able - 57 years, two months and eight days. Wish it could have been sooner but glad it wasn't later.
by tacster
Fri Jan 29, 2016 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Two spenders and buying a house
Replies: 43
Views: 3824

Re: Two spenders and buying a house

It sounds like a great piece of property. If it's mostly trees I wouldn't expect property maintenance to be much of an issue. Septic built in 2000 should still be plenty good, of course you should have it inspected before purchase. Only $60/year for septic maintenance is nothing, some localities req...
by tacster
Sat Jan 23, 2016 9:22 pm
Forum: Personal Consumer Issues
Topic: Garage Door Repair (tech insurance issue)
Replies: 30
Views: 2123

Re: Garage Door Repair (tech insurance issue)

When my garage spring broke, the local door shops would not even sell me a spring because of liability concerns. Too many DIY'ers injured themselves trying to do the install and then successfully sued the shops. Like you say it doesn't cost that much to just have a pro do it. I have to call BS on t...
by tacster
Fri Jan 22, 2016 11:26 am
Forum: Personal Consumer Issues
Topic: Questions about getting a dishwasher
Replies: 28
Views: 1351

Re: Questions about getting a dishwasher

Did you check the spray arms on your dishwasher? Maybe the orifices are clogged. If it has a screen make sure it's clean. Be a shame to throw out an appliance that might only need a little maintenance. Unless you just want a new one regardless.
by tacster
Tue Jan 19, 2016 4:17 pm
Forum: Personal Consumer Issues
Topic: Garage Door Repair (tech insurance issue)
Replies: 30
Views: 2123

Re: Garage Door Repair (tech insurance issue)

I think the danger is overstated. I'm not that handy and I did it fairly easily. Torsion spring repair is one of the few household maintenance tasks I do not feel comfortable doing myself. The chance for severe injury ( or death ) is not insignificant if done improperly. The energy stored in those ...
by tacster
Tue Jan 19, 2016 1:17 pm
Forum: Personal Consumer Issues
Topic: Wifi Thermostat??
Replies: 39
Views: 4424

Re: Wifi Thermostat??

Like others in the thread, I bought a Honeywell last year: http://www.amazon.com/gp/product/B00FLZEQH2/ref=oh_aui_search_detailpage?ie=UTF8&psc=1 I have had zero issues so far and it is fully programmable by an app on my phone. I considered Nest, but decided that I am too much of a control frea...
by tacster
Sat Jan 16, 2016 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: How's it going?....any self-doubt?
Replies: 47
Views: 3847

Re: How's it going?....any self-doubt?

In order to help me stay the course, could people with a 55-60% allocation in stocks give their YTD return, and whether they plan to continue to stay the course. I would especially like to hear from recent retirees as that is me. Thanks much. I'm retired two years now, with something like 55% stock...
by tacster
Sat Jan 16, 2016 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: How much House can I afford with an income of $98,000? My husband gave me a bizarre number
Replies: 110
Views: 12721

Re: How much House can I afford with an income of $98,000? My husband gave me a bizarre number

OP, as others have pointed out, you'd be better served by discussing your situation with a loan company in person. These board conversations tend to get sidetracked. FWIW, I think if you sold your house and then had 100-150k to put down on a 350k house you'd be ok. Even better if the car payments co...
by tacster
Tue Jan 12, 2016 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on moving within same subdivision?
Replies: 30
Views: 2097

Re: Thoughts on moving within same subdivision?

No opinion on whether you should make the move or not, just don't neglect to factor in all the middleman fees, taxes, allowances, etc you'll have to pay to sell your current house. Those things add up quickly.
by tacster
Mon Jan 11, 2016 5:19 pm
Forum: Personal Consumer Issues
Topic: Seeking Advice on Shipping Costs
Replies: 11
Views: 562

Re: Seeking Advice on Shipping Costs

USPS will deliver flat rate boxes to you for free. Print postage and ship from home as stated above. No need for trip to post office.
by tacster
Sun Jan 10, 2016 11:41 am
Forum: Personal Consumer Issues
Topic: Gas fireplace for heat
Replies: 26
Views: 2483

Re: Gas fireplace for heat

Latest episodes of This Old House are redoing a Victorian in Belmont MA. They've just installed sealed gas fireplace units that use outside air for combustion, etc through a double wall pipe. 6 AA batteries allow usage when there is no power, although I'm not sure if or how long a fan can operate o...
by tacster
Thu Jan 07, 2016 3:30 pm
Forum: Personal Consumer Issues
Topic: Gas fireplace for heat
Replies: 26
Views: 2483

Re: Gas fireplace for heat

What kind of cold air draft is present in the room by the doors when these units are off? Any air getting through? Feels cold or is same temp as the rest of the room? With a sealed gas fireplace there's no opening from outside to the inside of the house, therefore no draft at all. They don't have d...
by tacster
Thu Jan 07, 2016 12:53 pm
Forum: Personal Consumer Issues
Topic: Gas fireplace for heat
Replies: 26
Views: 2483

Re: Gas fireplace for heat

We did the gas insert, into a wood burning fireplace, many years ago and we love it. One of the savings is that you are heating the room you're using rather than heating the entire home. For one room, yes, but it actually 'cools' other rooms (so the total house efficiency is questionable, and proba...
by tacster
Fri Jan 01, 2016 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: How did your retirement Portfolio do in 2015?
Replies: 95
Views: 6337

Re: How did your retirement Portfolio do in 2015?

Retired here, portfolio up very slightly for the year even after ~2.5% annual withdrawal. However, the value of my house - which I plan on selling in the near future - is up something like 15% for the year. So overall not a bad year at all. :beer
by tacster
Wed Dec 16, 2015 3:36 pm
Forum: Personal Consumer Issues
Topic: Coffee maker
Replies: 28
Views: 2211

Re: Coffee maker

coffee snob...roast my own beans. I have a Cuisinart drip machine (wife uses), an ascaso espresso machine (use occasionally on weekends) and various presses / stove top devices...but keep going back to my aeropress. The quality is great and it is super easy. A great advantage is that it can effecti...
by tacster
Mon Nov 23, 2015 11:50 am
Forum: Personal Consumer Issues
Topic: Wash Machine
Replies: 18
Views: 1272

Re: Wash Machine

I have a front load LG washer and dryer, lower-end models. They do a good job of washing and drying clothing. Zero problems so far after 4-5 years. I'm satisfied with them. BTW, CR reviews of these units was not terribly positive and did not match the reality of actual ownership.
by tacster
Thu Nov 12, 2015 9:55 pm
Forum: Personal Consumer Issues
Topic: Repair totaled car or buy new one
Replies: 17
Views: 897

Re: Repair totaled car or buy new one

Fix it and drive it another 6-7 years. The longer you defer spending big bucks on a new car the better off you'll be financially.
by tacster
Sun Nov 01, 2015 11:17 am
Forum: Personal Consumer Issues
Topic: Home warranties - worth it?
Replies: 14
Views: 1299

Re: Home warranties - worth it?

When I bought my new construction house it came with a home warranty. I never used it, and within a year or two the warranty company went bankrupt. Not much value there.
by tacster
Fri Sep 04, 2015 11:40 am
Forum: Personal Consumer Issues
Topic: Houston Airport to Galveston?
Replies: 8
Views: 455

Re: Houston Airport to Galveston?

Thanks for the links gents. A shuttle will serve the purpose.
by tacster
Fri Sep 04, 2015 10:55 am
Forum: Personal Consumer Issues
Topic: Houston Airport to Galveston?
Replies: 8
Views: 455

Re: Houston Airport to Galveston?

Guess jonkidding answered my question. Ouch on the taxi ride :(
by tacster
Fri Sep 04, 2015 10:53 am
Forum: Personal Consumer Issues
Topic: Houston Airport to Galveston?
Replies: 8
Views: 455

Re: Houston Airport to Galveston?

Which airport - well haven't booked yet, but sounds like Hobby is the choice (thanks for that info). So from there we're looking at a 40 mile taxi ride? No Amtrak, buses, nothing from anywhere near Hobby?
by tacster
Fri Sep 04, 2015 10:36 am
Forum: Personal Consumer Issues
Topic: Houston Airport to Galveston?
Replies: 8
Views: 455

Houston Airport to Galveston?

Just signed up for a 7 day cruise out of Galveston in Oct. We'll be flying into Houston the day before the cruise departs. Looking for advice on a good way to get from Houston to the Galveston cruise terminal. Thanks!
by tacster
Wed Jul 15, 2015 6:06 pm
Forum: Personal Consumer Issues
Topic: Are the more expensive bikes worth paying for?
Replies: 78
Views: 5081

Re: Are the more expensive bikes worth paying for?

Years ago I seriously considered a custom Ti frame, but with my income at the time just couldn't pull the trigger on $2500 for only a frame. Settled for a sweet Pinarello (whole bike) for around that price instead. Love that Italian bike geometry.
by tacster
Wed Jul 15, 2015 5:33 pm
Forum: Personal Consumer Issues
Topic: Are the more expensive bikes worth paying for?
Replies: 78
Views: 5081

Re: Are the more expensive bikes worth paying for?

livesoft wrote: This is getting way off-tangent, but I would love to have titanium frame with the same geometry as what I have now.


So have one made. There are plenty of bike builders out there that would be happy to accommodate you. All it takes is money. :beer
by tacster
Wed Jul 15, 2015 5:26 pm
Forum: Personal Consumer Issues
Topic: HomeDepot hardwood flooring issue
Replies: 9
Views: 1189

Re: HomeDepot hardwood flooring issue

It was solid Brazilian Cherry by Home Legend. Basically the wood started blistering and peeling a few weeks after installation. The manufacturer sent out an inspector to check it out. A couple of weeks later, HomeDepot called me and said the manufacturer is issuing full credit back to us for the wo...
by tacster
Wed Jul 15, 2015 11:25 am
Forum: Personal Consumer Issues
Topic: HomeDepot hardwood flooring issue
Replies: 9
Views: 1189

Re: HomeDepot hardwood flooring issue

What was wrong with the wood?
by tacster
Tue Jun 16, 2015 11:17 am
Forum: Personal Consumer Issues
Topic: Most Beautiful Nature Destinations
Replies: 50
Views: 6866

Re: Most Beautiful Nature Destinations

Pacific Coast Highway.
by tacster
Thu Jun 11, 2015 11:57 am
Forum: Personal Consumer Issues
Topic: Should we trade in the old truck or sell it privately?
Replies: 46
Views: 3848

Re: Should we trade in the old truck or sell it privately?

Go onto a truck forum and look for posts about the ecoboost. Owners are underwhelmed with the mileage. More hype than reality. It's an expensive option over the v8 and without the actual gas savings, a big waste of money Actually the 2.7l Ecoboost costs less than the V8 and produces almost as much ...
by tacster
Wed Jun 10, 2015 1:22 pm
Forum: Personal Consumer Issues
Topic: Should we trade in the old truck or sell it privately?
Replies: 46
Views: 3848

Re: Should we trade in the old truck or sell it privately?

Selling privately via Craigslist will yield more money, but will come with hassles - fielding calls, weeding out the fake offers and trade offers, meeting people so they can test drive, some uncertainty about how to receive payment safely. I found the hassles to be minimal. Posted the ad on CL on a...
by tacster
Mon Jun 08, 2015 6:47 pm
Forum: Personal Consumer Issues
Topic: Car dealer wants me to compensate for underpayment
Replies: 182
Views: 14363

Re: Car dealer wants me to compensate for underpayment

Just curious - why did you sign a contract to buy a car? Is that how it's done these days? My last car purchase (admittedly some years ago) I just went in, negotiated the price, and bought it. Preapproved with my credit union. No contract.
by tacster
Sat Jun 06, 2015 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Big Decision to Make
Replies: 58
Views: 9977

Re: Big Decision to Make

Do it. Grab that opportunity before they change their minds. Five years goes by in a heartbeat. Sure it may be unpleasant or boring living there, but at the end you'll be well on the way to being set for the rest of your life. It's an absolute no-brainer IMO, especially since your wife is onboard.
by tacster
Fri Jun 05, 2015 6:17 pm
Forum: Investing - Theory, News & General
Topic: Wise move to move some $ to cash before bear market?
Replies: 134
Views: 16761

Re: Wise move to move some $ to cash before bear market?

This is one reason I like to buy some individual stocks. So I can focus on accumulating a certain number of shares. For example I can set a goal that I want to own 10,000 shares of AAPL or Disney or some great company. Then we market goes down I focus more on buying more than freaking out and selli...
by tacster
Tue Jun 02, 2015 10:59 am
Forum: Personal Consumer Issues
Topic: Canadian money
Replies: 34
Views: 5197

Re: Canadian money

Years ago (as a kid/teen) I spent a $2 bill that I'd kept from a previous trip. I thought it was neat to be able to use a Two, as they're not common in the US. Then I learned that they had just been discontinued. In retrospect I wish I'd kept the bill, just for personal interest, even if it's not w...
by tacster
Sat May 16, 2015 11:34 am
Forum: Personal Consumer Issues
Topic: Home Prices Are Way Too High
Replies: 26
Views: 4158

Re: Home Prices Are Way Too High

Renting would not have been a better option for me. I bought a condo for $81,000 in 1994, just sold it for $190,000. In addition to the appreciation in value, thanks to the mortgage interest and property tax deductions, I was able to itemize my federal deductions, getting back about $1,000 more eac...
by tacster
Mon May 11, 2015 10:17 am
Forum: Personal Finance (Not Investing)
Topic: New car, lease or buy?
Replies: 33
Views: 1696

Re: New car, lease or buy?

brucesprings wrote: Girlfriend likes keeping cars a long time

Don't let the salesman talk her into a lease.
by tacster
Sat May 09, 2015 10:26 am
Forum: Personal Consumer Issues
Topic: Selling house; what to fix, what to leave?
Replies: 26
Views: 2700

Re: Selling house; what to fix, what to leave?

EasilyConfused wrote:When you can't tell how to win, do the least expensive thing.

Words of wisdom.
by tacster
Thu May 07, 2015 6:12 pm
Forum: Personal Consumer Issues
Topic: New car vs used car -- what's your approach?
Replies: 57
Views: 3830

Re: New car vs used car -- what's your approach?

Since you're not firm yet on a specific make or model, I'd suggest renting the candidate cars for a day or two each if possible. Put on some mileage in a variety of driving conditions. That gets you an effective test ride with no pressure from a dealer looking over your shoulder. Should make it easi...
by tacster
Wed May 06, 2015 9:56 am
Forum: Personal Finance (Not Investing)
Topic: What are the Pro's and Con's of Retiring in Amarillo, TX
Replies: 89
Views: 7034

Re: What are the Pro's and Con's of Retiring in Amarillo, TX

takeshi wrote:
livesoft wrote:Texas is a big state, so there are plenty of decent places in Texas to live. Do you want small, medium, large, humongous town? Do you want red dust or grassy prairie or lush forest or swamp or ocean?

See also:
https://www.youtube.com/watch?v=JREkqCvLzSo

:D
by tacster
Fri May 01, 2015 10:37 am
Forum: Investing - Theory, News & General
Topic: Analysis of TIAA-CREF Active vs. DFA and Vanguard
Replies: 8
Views: 1111

Re: Analysis of TIAA-CREF Active vs. DFA and Vanguard

sharpjm wrote:In the link the OP provided, there is more space covered with ads than there is with text.

I will draw conclusions based on this observation rather than what the article was about.

Two words: Adblock Plus.
by tacster
Mon Apr 06, 2015 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Pay off mortgage before selling house?
Replies: 10
Views: 1430

Re: Pay off mortgage before selling house?

Thanks for the replies. I won't carry financing for a buyer so no issue there. Wasn't aware of all those fees but when the time comes I will ask the real estate agent about those things. They should know if any could be avoided by mortgage payoff in advance.
by tacster
Mon Apr 06, 2015 10:40 am
Forum: Personal Finance (Not Investing)
Topic: umbrella policy
Replies: 16
Views: 3098

Re:

I'm able to shelter most assets from a lawsuit because most of my investments are in 401K or IRA type accounts. That being said, I think it's wise to have maxed out auto liability and even at least one million umbrella policy. I pay about $250 though Liberty Mutual for the umbrella coverage. It's l...
by tacster
Mon Apr 06, 2015 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Pay off mortgage before selling house?
Replies: 10
Views: 1430

Pay off mortgage before selling house?

I'm considering selling my house in the near future, and wondering if there's any reason to pay off the mortgage first. The outstanding balance is around $11k and I have sufficient cash on hand to cover it. I haven't bothered paying it off because the interest rate is very low and payments are only ...
by tacster
Fri Mar 27, 2015 7:51 pm
Forum: Personal Consumer Issues
Topic: Sued and won for drycleaner losing suit, suit now found.
Replies: 86
Views: 9258

Re: Sued and won for drycleaner losing suit, suit now found.

To the OP - just curious, how much is this suit (the clothing) worth?
by tacster
Thu Mar 05, 2015 10:35 am
Forum: Personal Consumer Issues
Topic: Black Hills SD, where to stay?
Replies: 17
Views: 1530

Re: Black Hills SD, where to stay?

You didn't state your lodging budget, but there are many VRBO properties throughout the Hills.

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