Search found 2255 matches

by texasdiver
Sun Nov 19, 2017 1:41 pm
Forum: Personal Consumer Issues
Topic: Electric Car (Nissan Leaf) for a teen driver?
Replies: 21
Views: 1466

Re: Electric Car (Nissan Leaf) for a teen driver?

I had a Leaf for two years and I think your plan is great. No need for an extra charging station at all, normal power outlet is all you need for overnight charging and the guesstimated 20 miles a day, charge in no time anyway. Just be aware that the car is no so great in winter conditions (absolute...
by texasdiver
Sat Nov 18, 2017 4:46 pm
Forum: Personal Consumer Issues
Topic: Electric Car (Nissan Leaf) for a teen driver?
Replies: 21
Views: 1466

Re: Electric Car (Nissan Leaf) for a teen driver?

Sounds OK to me. Yeah, I see the safety report. Kinda have to balance that against other concerns, it doesn't seem like a complete dealbreaker to me. Have you discussed this with her? Does she like the idea or dislike it? I assume she'll have a cell phone and can call you if she gets stranded. The ...
by texasdiver
Sat Nov 18, 2017 2:12 pm
Forum: Personal Consumer Issues
Topic: Where to buy new iPhone?
Replies: 19
Views: 1821

Re: Where to buy new iPhone?

Just order one from the online apple store. Apple will likely have better stock than any other reseller and I think they have free shipping. You'll get an unlocked phone shipped to your house. Getting it set up and working is trivial and easy. Problem with buying directly from Verizon is that you'll...
by texasdiver
Sat Nov 18, 2017 1:59 pm
Forum: Personal Consumer Issues
Topic: Electric Car (Nissan Leaf) for a teen driver?
Replies: 21
Views: 1466

Re: Electric Car (Nissan Leaf) for a teen driver?

I had a Leaf for two years and I think your plan is great. No need for an extra charging station at all, normal power outlet is all you need for overnight charging and the guesstimated 20 miles a day, charge in no time anyway. Just be aware that the car is no so great in winter conditions (absolute...
by texasdiver
Fri Nov 17, 2017 9:13 pm
Forum: Personal Consumer Issues
Topic: Replace TVs with Smart Tvs or not?
Replies: 34
Views: 2283

Re: Replace TVs with Smart Tvs or not?

I've got a Samsung Smart TV in the living room. Also happen to have a Chromecast and 4K Blu Ray player attached to it that can both stream. Honestly the Blu Ray player does a better job of streaming than the TV itself because it seems to have a better WiFi connection to our network. The Chromecast w...
by texasdiver
Fri Nov 17, 2017 9:00 pm
Forum: Personal Consumer Issues
Topic: Electric Car (Nissan Leaf) for a teen driver?
Replies: 21
Views: 1466

Re: Electric Car (Nissan Leaf) for a teen driver?

For the kind of driving you are talking, Leaf would be just fine. If she was driving on highway, I would be concerned not on city streets. No freeway driving at all in her daily routes. Just suburban driving around the cul de sacs and on wide suburban thoroughfares that have 30-45 mph type traffic.
by texasdiver
Fri Nov 17, 2017 8:20 pm
Forum: Personal Consumer Issues
Topic: Electric Car (Nissan Leaf) for a teen driver?
Replies: 21
Views: 1466

Electric Car (Nissan Leaf) for a teen driver?

Daughter #2 is about to earn her learners permit and I'll soon be having to think about what kind of car to get her. Our oldest daughter got her mother's hand-me-down 10-year old CR-V. But we don't have any cars ready to hand down at this point so we will need to find something for Daughter #2. Her ...
by texasdiver
Thu Nov 16, 2017 11:14 pm
Forum: Personal Consumer Issues
Topic: Dive computer recommendations
Replies: 8
Views: 698

Re: Dive computer recommendations

Most of my diving is cold weather drysuit diving where a big bulky wrist computer is what you want to fit over the heavy drysuit sleeve and insulation. If you're looking for something small and sleek for warm weather diving then I think Suunto makes some nice watch-size models. You'll have to resear...
by texasdiver
Wed Nov 15, 2017 10:51 pm
Forum: Personal Consumer Issues
Topic: ASUS Student Chromebook - thoughts?
Replies: 22
Views: 1113

Re: ASUS Student Chromebook - thoughts?

Chromebooks are great but useless without wifi. Does he have a smartphone? That would be the most useful on a road trip (camera, maps, email, text, calling). I would also get a cellular enabled iPad/Chromebook unless you're planning on using wifi all the time or smartphone as a hotspot. Good point ...
by texasdiver
Wed Nov 15, 2017 8:03 pm
Forum: Personal Consumer Issues
Topic: ASUS Student Chromebook - thoughts?
Replies: 22
Views: 1113

Re: ASUS Student Chromebook - thoughts?

High School Teacher here: I have a cart of 32 chromebooks in my classroom and both my own kids have their own chromebooks issued to them personally through their schools. So I'm pretty used to using and messing with them. For casual internet usage they are frankly hard to beat. The alternative is a ...
by texasdiver
Tue Nov 14, 2017 11:54 pm
Forum: Investing - Theory, News & General
Topic: Quest for better fund selection in 401 K
Replies: 18
Views: 1205

Re: Quest for better fund selection in 401 K

Went through this with my wife's previous 401k plan (actually a 403(b). It was being administered by Standard Insurance. Turns out that they were more than happy to add some more funds to the portfolio. They added a suite of Vanguard index funds at her request (Not all, but enough of them) and they ...
by texasdiver
Sun Nov 12, 2017 4:14 pm
Forum: Investing - Theory, News & General
Topic: The average American retiree household
Replies: 57
Views: 10724

Re: The average American retiree household

... They would probably have to spend several hundred dollars a month for taxes, insurance, and maintenance if they still owned their house. Obviously these expenses do not apply to renters , so the net result is that they would still save that money even if they spent the whole $900 on rent. Unles...
by texasdiver
Sun Nov 12, 2017 12:46 pm
Forum: Investing - Theory, News & General
Topic: The average American retiree household
Replies: 57
Views: 10724

Re: The average American retiree household

The military and the federal civilian workforce plans have also become defined contribution rather than defined benefit oriented. Change has been slower in the public sector but it is happening. Fed civilians still have defined benefit (though newer employees pay in 3-4x what older employees are pa...
by texasdiver
Sun Nov 12, 2017 1:35 am
Forum: Investing - Theory, News & General
Topic: Fidelity 10X Retirement Rule - - Valid???
Replies: 46
Views: 2962

Re: Fidelity 10X Retirement Rule - - Valid???

It's probably not that far off for someone at the median US income of about $50,000. Someone with that income level will earn a social security benefit of $15-20,000 after a lifetime of employment depending on when the benefits start. 10x annual income would mean savings of $500,000 which would spin...
by texasdiver
Sat Nov 11, 2017 7:18 pm
Forum: Investing - Theory, News & General
Topic: The average American retiree household
Replies: 57
Views: 10724

Re: The average American retiree household

I'm curious what a "typical" pension looks like: Monthly amount relative to previous salary? Inflation adjusted? Single life, or joint? Survivor benefit? Age when you can start to collect it? I've considered buying an SPIA when we retire to mimic a pension. Teacher here. I’ve contributed to two dif...
by texasdiver
Thu Nov 02, 2017 10:56 pm
Forum: Personal Consumer Issues
Topic: Credit Card auto-pay updates?
Replies: 9
Views: 1036

Re: Credit Card auto-pay updates?

Thanks guys.

I guess this was new to me. Or I never noticed it before.

Just felt like I was losing a little bit of control when my bank and the companies I do business with are talking to each other about my accounts and my money without my knowledge.
by texasdiver
Wed Nov 01, 2017 11:01 pm
Forum: Personal Consumer Issues
Topic: Want to move kids' iPhones to a cell carrier without data overages
Replies: 18
Views: 1414

Re: Want to move kids' iPhones to a cell carrier without data overages

Another Verizon user here with 3 kids on a family plan. You don't want to just put your account on safety mode. What that will do is let your kids burn through all your shared data and then all the phones on the account get throttled including YOURS! What you want is to get the Family Base option wh...
by texasdiver
Wed Nov 01, 2017 10:53 pm
Forum: Personal Consumer Issues
Topic: Credit Card auto-pay updates?
Replies: 9
Views: 1036

Credit Card auto-pay updates?

Recently Bank of America notified me that my credit card number was possibly subject to fraud due to some merchant hack. Basically I got a form letter stating that they were cancelling my old number and re-issuing me a new card with a new number. So far so good. When the new car arrives I diligently...
by texasdiver
Mon Oct 23, 2017 1:24 am
Forum: Personal Consumer Issues
Topic: Work in Vancouver, WA..possibly live in Camas?
Replies: 70
Views: 6199

Re: Work in Vancouver, WA..possibly live in Camas?

The good news is that the main councilman that opposed the construction of the new I-5 bridge was voted out of office. His replacement is pro-bridge building. So, there will definitely be a new bridge. Kids say the darndest things. The CRC boondoggle was killed by the Washington legislature not som...
by texasdiver
Mon Oct 23, 2017 1:17 am
Forum: Personal Consumer Issues
Topic: Work in Vancouver, WA..possibly live in Camas?
Replies: 70
Views: 6199

Re: Work in Vancouver, WA..possibly live in Camas?

Look at a map and figure out how ten lanes over I5 bridge would solve anything when nothing would be expanded through the Rose Quarter. It would get the thousands of people getting off before the Rose Quarter to go to the Port, the Airport, the Hayden Island businesses, and the NE commercial and in...
by texasdiver
Sun Oct 22, 2017 9:16 pm
Forum: Personal Consumer Issues
Topic: Drum sets?
Replies: 10
Views: 652

Re: Drum sets?

Pearl export, buy it used and there should be plenty availible. There are lots of other good ones but these are ubiquitous. Cymbals are tricky. Good heads will make an entry level kit sound good. Cheap cymbals will never sound good. Get zildjian A or something comparable, Sabian AAX was great for J...
by texasdiver
Sun Oct 22, 2017 8:56 pm
Forum: Personal Consumer Issues
Topic: Work in Vancouver, WA..possibly live in Camas?
Replies: 70
Views: 6199

Re: Work in Vancouver, WA..possibly live in Camas?

The good news is that the main councilman that opposed the construction of the new I-5 bridge was voted out of office. His replacement is pro-bridge building. So, there will definitely be a new bridge. Kids say the darndest things. The CRC boondoggle was killed by the Washington legislature not som...
by texasdiver
Sun Oct 22, 2017 12:39 pm
Forum: Personal Consumer Issues
Topic: Drum sets?
Replies: 10
Views: 652

Drum sets?

Any drummers here who can provide advice on drum sets? Youngest daughter has joined her middle school band as a percussionist. She wants to move on to playing in her school's jazz band next year which requires playing on a traditional drum set as opposed to the normal marching band type individual p...
by texasdiver
Sun Oct 22, 2017 11:12 am
Forum: Investing - Theory, News & General
Topic: 4% SWR Rule in Other Countries
Replies: 29
Views: 2820

Re: 4% SWR Rule in Other Countries

I scanned through the article twice but could not discern whether the model portfolios for each country were in that country's markets or in globally diversified investments. For example, the Japanese investor has a 35% failure rate with a 4% withdrawal. Is that for a Japanese investor invested in J...
by texasdiver
Sat Oct 21, 2017 4:47 pm
Forum: Investing - Theory, News & General
Topic: Observation on Edward Jones
Replies: 21
Views: 4263

Re: Observation on Edward ones

That's also why they want mid-career professional types rather than fresh out of college 23 year olds. They want a sales staff that has thick lists of professional contacts to exploit.
by texasdiver
Sat Oct 21, 2017 4:42 pm
Forum: Investing - Theory, News & General
Topic: When one reaches the 1 million mark what to do with all the money?
Replies: 33
Views: 6287

Re: When one reaches the 1 million mark what to do with all the money?

I have no idea if this is of any benefit, but I keep the paper statements "turned on" for all my major investment accounts and store them all away so that I have a paper trail of all my investment accounts. Not only will that help my wife or heirs sort things out should I pass, but provides an addit...
by texasdiver
Sat Oct 21, 2017 3:49 pm
Forum: Personal Consumer Issues
Topic: Work in Vancouver, WA..possibly live in Camas?
Replies: 70
Views: 6199

Re: Work in Vancouver, WA..possibly live in Camas?

The good news is that the main councilman that opposed the construction of the new I-5 bridge was voted out of office. His replacement is pro-bridge building. So, there will definitely be a new bridge. Kids say the darndest things. The CRC boondoggle was killed by the Washington legislature not som...
by texasdiver
Sat Oct 21, 2017 12:11 am
Forum: Personal Consumer Issues
Topic: Work in Vancouver, WA..possibly live in Camas?
Replies: 70
Views: 6199

Re: Work in Vancouver, WA..possibly live in Camas?

Camas resident here. We’ve been here 1.5 years so far. Like it a lot. Airport is close. Just dropped my parents off this morning and it was 13 min door to door to the airport at 6:30 am on a weekday. A bit later the traffic over the river starts to back up. Camas schools are good. About as good as i...
by texasdiver
Wed Oct 18, 2017 11:18 pm
Forum: Personal Finance (Not Investing)
Topic: evicting my tenant for unlawful detainer
Replies: 7
Views: 1555

Re: evicting my tenant for unlawful detainer

Rather than spend legal resources on an eviction when he's leaving in 2 weeks anyway I would think you'd be better off saving the money and spending it on recovering damages to the apartment (if there are any)
by texasdiver
Sun Oct 15, 2017 12:23 am
Forum: Investing - Theory, News & General
Topic: With panicked homeowners selling their flooded homes for 40¢ on the dollar, investors are flocking to Houston
Replies: 35
Views: 6364

Re: With panicked homeowners selling their flooded homes for 40¢ on the dollar, investors are flocking to Houston

It's a very sad situation overall. Many of these homes have been flooded three years in a row. The solution is to raise them onto piers above the base flood elevation level, but that is expensive and many of the homeowner's don't have the resources to do so. When most of these homes were built, the...
by texasdiver
Mon Oct 02, 2017 11:46 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Employee looking to move to Private sector..!
Replies: 34
Views: 2380

Re: Federal Employee looking to move to Private sector..!

When I left Federal employment to work as a private contractor with my old agency I did the math and figured out I had to gross about 40% more than my old Federal salary just to break even. That was for a new job as an independent contractor with no benefits. How did it turn out to be in a long run...
by texasdiver
Sun Oct 01, 2017 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Employee looking to move to Private sector..!
Replies: 34
Views: 2380

Re: Federal Employee looking to move to Private sector..!

When I left Federal employment to work as a private contractor with my old agency I did the math and figured out I had to gross about 40% more than my old Federal salary just to break even.

That was for a new job as an independent contractor with no benefits.
by texasdiver
Sun Oct 01, 2017 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Lost my job and looking for advice on next steps
Replies: 43
Views: 5349

Re: Lost my job and looking for advice on next steps

Thanks for the feedback. My wife is a teacher. I will need to explore if health coverage is remotely possible through her employer. I haven't looked at ACA yet notwithstanding all the uncertainty surrounding it at present. We live in HCOLA area. Until our son finishes college, we plan to stay put. ...
by texasdiver
Fri Sep 29, 2017 11:37 pm
Forum: Personal Consumer Issues
Topic: Caught by speed camera
Replies: 49
Views: 2811

Re: Caught by speed camera

Just because it isn’t reported to the DMV or your insurance company doesn’t mean they can’t squeeze you for the $$$ and turn it over to a collections company and land you in collections company and credit agency hell if you don’t pay. I would pay it and move on. Unless you are a natural gadfly type ...
by texasdiver
Tue Sep 26, 2017 10:01 pm
Forum: Personal Consumer Issues
Topic: Weekend trip in Portland, Oregon - ideas?
Replies: 22
Views: 1462

Re: Weekend trip in Portland, Oregon - ideas?

There are a bazillion and I'm not particularly up to date as my wife and I have mostly been exploring Vegan offerings on the east side for the past 6 months. Thank you for all the suggestions; I think they'll not only be useful to the OP. I have a couple of trips to Portland coming up. Any suggesti...
by texasdiver
Tue Sep 26, 2017 9:55 pm
Forum: Personal Consumer Issues
Topic: Weekend trip in Portland, Oregon - ideas?
Replies: 22
Views: 1462

Re: Weekend trip in Portland, Oregon - ideas?

If you are into roses, a visit to one of Portland's rose gardens might be in order. I recall visiting one such garden with my family years ago, but don't remember its name. This article here might help: https://en.wikipedia.org/wiki/Roses_in_Portland,_Oregon Enjoy your trip! International Rose Test...
by texasdiver
Tue Sep 26, 2017 6:30 pm
Forum: Personal Consumer Issues
Topic: Weekend trip in Portland, Oregon - ideas?
Replies: 22
Views: 1462

Re: Weekend trip in Portland, Oregon - ideas?

I use AirBnB while traveling but have never looked at Portland because I live here....well the suburbs. So I went on to see what is available for 2 in Mid-October. The AirBnB map shows neighborhood names. And there are a lot of places available. So I would stay in any of the neighborhoods around dow...
by texasdiver
Tue Sep 26, 2017 10:30 am
Forum: Personal Consumer Issues
Topic: DIY gas fire pits. Propane or Natural Gas?
Replies: 13
Views: 1118

Re: DIY gas fire pits. Propane or Natural Gas?

Thanks guys. We are in a neighborhood adjacent to a forest green belt and have had nearby forest fires all over the place this fall in this part of the PNW. Open burn bans not withstanding if I was to be putting wood smoke into the neighborhood some evening it would probably freak out the neighborho...
by texasdiver
Mon Sep 25, 2017 8:54 pm
Forum: Personal Consumer Issues
Topic: DIY gas fire pits. Propane or Natural Gas?
Replies: 13
Views: 1118

DIY gas fire pits. Propane or Natural Gas?

I'm in the middle of some back yard landscaping projects and would like to put in some kind of gas fire pit. The traditional round type made with paver stones. Don't want to mess with wood. We have frequent outdoor burn bans here. So propane or natural gas looks like the options. I haven't priced ou...
by texasdiver
Mon Sep 18, 2017 11:20 pm
Forum: Investing - Help with Personal Investments
Topic: Processing time for 401K transfers into the TSP?
Replies: 1
Views: 236

Re: Processing time for 401K transfers into the TSP?

Well, it took 3 weeks but the $$$ finally make it into my TSP.

Guess I've gotten too used to the world of instant electronic financial transactions.
by texasdiver
Thu Sep 14, 2017 11:04 pm
Forum: Investing - Help with Personal Investments
Topic: Processing time for 401K transfers into the TSP?
Replies: 1
Views: 236

Processing time for 401K transfers into the TSP?

Just wondering if anyone here has a good sense of how long it takes to transfer funds from a 401k plan into the TSP using the TSP-60 form. I had a legacy 403b plan with Vanguard from my previous employer. I decided to roll it all into my TSP account and sent off all the paperwork to Vanguard. My Van...
by texasdiver
Thu Aug 31, 2017 12:25 am
Forum: Personal Consumer Issues
Topic: Hurricane Harvey relief?
Replies: 42
Views: 3360

Re: Hurricane Harvey relief?

The Red Cross has received a lot of criticism for mismanagement of their disaster relief program after the past couple of hurricanes. You can google up all the ugly details. NPR and Pro-Publica did a series about it a year or two ago. It got lots of coverage. Frankly one good organization that has g...
by texasdiver
Thu Aug 31, 2017 12:14 am
Forum: Personal Consumer Issues
Topic: Argentina/Chile Total Solar Eclipse - July 2019
Replies: 21
Views: 2571

Re: Argentina/Chile Total Solar Eclipse - July 2019

If the sun is going to be low in the sky then the Chilean Andes is NOT where you'd want to be unless you plan to hike to the top of some mountain with a western exposure. The road through that area winds through a narrow river valley with high peaks on all sides and no one is going to have any view ...
by texasdiver
Sat Aug 26, 2017 2:12 pm
Forum: Personal Consumer Issues
Topic: Argentina/Chile Total Solar Eclipse - July 2019
Replies: 21
Views: 2571

Re: Argentina/Chile Total Solar Eclipse - July 2019

PS, I read through this itinerary: http://tropicalsails.com/solar-eclipse-tour-2019/ Personally I think it is completely unrealistic. They have you staying in La Serena and taking day shuttles up into the mountain to see the eclipse, visit wineries, and do stargazing. My guess is that come eclipse d...
by texasdiver
Sat Aug 26, 2017 12:29 pm
Forum: Personal Consumer Issues
Topic: Argentina/Chile Total Solar Eclipse - July 2019
Replies: 21
Views: 2571

Re: Argentina/Chile Total Solar Eclipse - July 2019

Just catching your post. My wife's family is Chilean and we try to visit once a year but that is getting harder with kids in high school as the seasons are reversed. politics123 gave you good advice. Looking at the path of totality I think the Pisco Elqui area is where I would want to be about 2 hou...
by texasdiver
Sat Aug 26, 2017 12:28 am
Forum: Personal Consumer Issues
Topic: Tablets for hospital patients - Chromebook?
Replies: 3
Views: 563

Re: Tablets for hospital patients - Chromebook?

I think tablets may serve you better than chromebooks if the main purpose is content consumption. There are a lot of cheap tablet options out there as well as the more expensive iPads. The main advantage to chromebooks are the keyboards. If your patients will be writing, doing email, facebook, basic...
by texasdiver
Sun Aug 20, 2017 7:53 pm
Forum: Personal Consumer Issues
Topic: School District Quality
Replies: 15
Views: 1551

Re: School District Quality

If you are looking to find the most challenging school district for your child then I would try to find the district with the highest number of Asians. Almost every academic competition is dominated by Chinese and/or Indian students. It's a chicken and egg thing. I've found that Asian parents are a...
by texasdiver
Sun Aug 20, 2017 5:52 pm
Forum: Personal Consumer Issues
Topic: School District Quality
Replies: 15
Views: 1551

Re: School District Quality

The national ranking web sites like Niche are going to rely on public data sources because that's the only way you can construct a national web site with that many schools listed: https://www.niche.com/k12/rankings/ Frankly having been a parent and a teacher in three different states I've concluded ...
by texasdiver
Sat Aug 19, 2017 3:53 pm
Forum: Investing - Theory, News & General
Topic: Here is a criticisim of active management I don't get
Replies: 24
Views: 2526

Re: Here isa criticisim of active management I don't get

On the surface it often seems like it should be easy for an active investor to beat indices. Just start with an index allocation and remove the "bad stuff". The problem is the performance of the "bad stuff" isn't very predictable. https://www.callan.com/wp-content/uploads/2017/01/Callan-PeriodicTbl...
by texasdiver
Fri Aug 11, 2017 5:43 pm
Forum: Personal Consumer Issues
Topic: Computerized car maintainance records or service history?
Replies: 5
Views: 614

Computerized car maintainance records or service history?

I spent the past few days shopping for a used vehicle for my daughter and have noticed that most all the vehicles on the market through dealers have the service records available via CARFAX. It's actually pretty informative. You can pull up the service history of a car you are interested in and see ...