Search found 130 matches

by mrgeeze
Tue Jun 19, 2018 12:17 pm
Forum: Personal Consumer Issues
Topic: "distilled" water for wife's CPAP machine
Replies: 49
Views: 3097

Re: "distilled" water for wife's CPAP machine

TappyGee wrote:
Mon Jun 18, 2018 3:47 pm
I used the water from my under sink reverse osmosis system. It works great and leaves no residue in my tank.
+1

Except with mine the faucet is not under the sink but near the main sink faucet.

Joke... everyone laugh :D
by mrgeeze
Sat Jun 16, 2018 2:40 pm
Forum: Personal Consumer Issues
Topic: What are your hobbies?
Replies: 58
Views: 4628

Re: What are your hobbies?

deep sea fishing
guitar playing
wood turning
furniture building
travel
birding
hiking
boating (sail and power)
cooking
by mrgeeze
Wed Jun 13, 2018 11:58 am
Forum: Personal Consumer Issues
Topic: What To Do About 2001 Honda Odyssey With No AIr
Replies: 16
Views: 1340

Re: What To Do About 2001 Honda Odyssey With No AIr

A complete AC replacement kit for a 2001 Odyssey is about $300. I wouldn't lose any sleep about what happens if they can't find the leak. $300 seems a bit light for an a/c replacement with parts and labor. I'm guessing its more in the $750-1000 range but it varies depending on the vehicle. Assuming...
by mrgeeze
Wed Jun 13, 2018 9:57 am
Forum: Personal Consumer Issues
Topic: For Sale By Owner (FSBO) purchase - how much discount can I expect?
Replies: 22
Views: 1611

Re: For Sale By Owner (FSBO) purchase - how much discount can I expect?

In my experience, most of the FSBO types are thinking along these lines: " Why should I give the realtor any of my money. The entire proceeds of the sale should be mine ". In other words, they are not inclined to "split" the commission with the buyer. So you get all the hassle of FSBO negotiation a...
by mrgeeze
Fri Jun 08, 2018 7:05 pm
Forum: Investing - Theory, News & General
Topic: Buffett says Bonds are a terrible investment now. What should we invest in besides stocks?
Replies: 141
Views: 20215

Re: Buffett says Bonds are a terrible investment now. What should we invest in besides stocks?

visualguy wrote:
Sat May 19, 2018 12:07 am
rjb112 wrote:
Fri May 18, 2018 10:21 pm
So what should we invest in besides stocks?
Direct real estate - rental properties.
No easy money here.
Rental properties take time and effort.
They often return a lot less than their proponents state.

If you know this business, perhaps.
If you don't - look elsewhere
by mrgeeze
Fri Jun 01, 2018 10:53 am
Forum: Personal Consumer Issues
Topic: Top Shelf Liquor Overrated?
Replies: 185
Views: 15318

Re: Top Shelf Liquor Overrated?

Liquor is overrated. Blasphemy! Personally some better booze works better for me. A Hendricks Martini just tastes smoother than one with Bombay Sapphire. Blanton's over a cube tastes better to me than Makers Mark I'm a little less picky on a mixed drink but one can notice the difference. Maybe I've...
by mrgeeze
Thu May 31, 2018 8:05 am
Forum: Personal Finance (Not Investing)
Topic: Pueblo, CO area places to live
Replies: 12
Views: 1393

Re: Pueblo, CO area places to live

That whole front range is becoming a traffic parking lot from south of the springs to ft collins. Won't be long till it ensnares Pueblo. Maybe it already has. Even with you going against normal commute traffic, I'll bet you'll experience regular snarls from CS to Pueblo. Its getting like Washington ...
by mrgeeze
Tue May 29, 2018 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy into this medical practice?
Replies: 24
Views: 2508

Re: Should I buy into this medical practice?

Personally I would pass. At least be very careful I may be optimistic but the spiraling cost of healthcare may well get addressed during your lifetime That puts the current cost of all kinds of imaging tests clearly in the crosshairs. Those ever upward costs are the revenue that provide your returns...
by mrgeeze
Tue May 29, 2018 1:59 pm
Forum: Personal Consumer Issues
Topic: What is a reasonable amount of time to spend cleaning a house prior to showing
Replies: 17
Views: 1366

Re: What is a reasonable amount of time to spend cleaning a house prior to showing

For selling, the best possible way to show a house is totally empty with fresh paint and carpet/flooring. Carpet , caulk and paint, make it what it ain't. Valuable info for selling a house. As a minimum remove as much stuff as you can from the main living space and stuff it somewhere else. The best ...
by mrgeeze
Tue May 29, 2018 1:53 pm
Forum: Personal Consumer Issues
Topic: Lawyer instead of buyer's real estate agent? Experience anyone?
Replies: 54
Views: 5002

Re: Lawyer instead of buyer's real estate agent. Experience anyone?

You can do it but it probably won't save you much if any money. Most sellers contracts dictate the 6% and if there's no buyer's agent the seller's agent gets more. You might get 1%, MAYBE 1.5%. Unless you find a FSBO home. Not anymore! The internet and the likes of Zillow, etc are reducing the 6% o...
by mrgeeze
Tue May 29, 2018 1:27 pm
Forum: Personal Consumer Issues
Topic: Advice on neighbor not keeping up his property...
Replies: 103
Views: 7421

Re: Advice on neighbor not keeping up his property...

Home ownership, what goes on within the 4 boundaries of the property line is the business of the homeowner, not the neighbor. Unless there is a true violation of town code or an immediate hazard to life and limb, you are going to need to learn to enjoy the view. Removing limbs from his property bec...
by mrgeeze
Mon May 28, 2018 11:43 am
Forum: Personal Consumer Issues
Topic: Considering iPad to replace failing Nexus tablet
Replies: 44
Views: 2547

Re: Considering iPad to replace failing Nexus tablet

I have an iPad and have been disappointed. It drops wifi randomly. This seems to be a common problem on iOS devices. Not really. Not common at all. According to the rest of the internet. At least the tech sites specializing in such reporting. I wander android,ios,mac os, win and linux. for the pad ...
by mrgeeze
Mon May 28, 2018 10:48 am
Forum: Personal Consumer Issues
Topic: Cheapest ways to watch NBA playoffs
Replies: 37
Views: 3002

Re: Cheapest ways to watch NBA playoffs

Alexa9 wrote:
Sun May 27, 2018 7:10 pm
Youtube TV - free 2 month trial
+1
by mrgeeze
Sat May 26, 2018 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: medicaid as early retirement medical insurance (or maybe Obamacare)
Replies: 41
Views: 3777

Re: medicaid as early retirement medical insurance (or maybe Obamacare)

So far the ACA has been very good to me as an individual and very terrible to me as a taxpayer. My wife and I are both 59. In my state (NC) we manage our income (mostly investments) via tax harvesting to keep our MAGI under the ACA cliff. We purchase the cheapest bronze plan (with HSA) and it we pay...
by mrgeeze
Tue May 22, 2018 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard iPad App
Replies: 7
Views: 1042

Re: Vanguard iPad App

I tried out their iPad app and was thoroughly underwhelmed with the app. So, I deleted the app. I feel much of Vanguards client facing stratedgery (website, ios app) retains that last-century look and feel. Some might call it "classic". Others might call it stodgy. When traveling, where I mostly us...
by mrgeeze
Tue May 22, 2018 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Career planning in IT/software development when over 40
Replies: 118
Views: 10631

Re: Career planning in IT/software development when over 40

One more thought. Assuming your lifestyle will allow it,perrhaps you can get a security clearance beyond TS. This means regular poly's and your dope smoking days are over. A real clearance and a good brain tuned to IT will most likely keep you employed the rest of your life. Its really unlikely DOD/...
by mrgeeze
Mon May 21, 2018 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Career planning in IT/software development when over 40
Replies: 118
Views: 10631

Re: Career planning in IT/software development when over 40

If someone said "MVC" to me in real life I'd ask them what rock they'd been working under for the past decade. Instead I'd ask them about event bubbling, live binding, and shadow DOM manipulation. I think it is a mistake for most developers to stay at the same company for more than five or six year...
by mrgeeze
Mon May 21, 2018 8:12 am
Forum: Personal Finance (Not Investing)
Topic: Buying a Vacation Rental Property as an Investment
Replies: 53
Views: 4461

Re: Buying a Vacation Rental Property as an Investment

Owning any rental property is a JOB. Owning a vacation rental property is more of a job There is no free lunch here. If you gross 10% of property cost per year you are very lucky. With that you can just about afford to pay your mortgage (20 years, 25% down) after expenses. You can't believe all the ...
by mrgeeze
Sun May 20, 2018 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Career planning in IT/software development when over 40
Replies: 118
Views: 10631

Re: Career planning in IT/software development when over 40

I worked as a free lance software developer for 15 years till I mostly retired 3 years ago at age 57. Currently I do a little C# work for an engineering/manufacturing firm. Very part time. I would suggest you really focus hard on the db/Sql arena. Notwithstanding todays "flavor of the week" approach...
by mrgeeze
Fri May 04, 2018 12:54 pm
Forum: Investing - Help with Personal Investments
Topic: Rental Property as Investment
Replies: 12
Views: 707

Re: Rental Property as Investment

Bad Idea. Suppose, for arguments sake: you get paid 7%+- of monthly rent for your services you get paid one months rent every time you find a new tenant you recognize this is a job, especially when a pipe freezes sunday morning. you have a list of qualified,fast responding tradesman- the ones you wa...
by mrgeeze
Sat Apr 28, 2018 8:39 pm
Forum: Personal Consumer Issues
Topic: Nomadic lifestyle in their 50s
Replies: 101
Views: 10844

Re: Nomadic lifestyle in their 50s

I would strongly suggest you NOT start by spending 50-150k on a camper van. Its just too much $$$ for something you may quickly find is not for you. Instead I would suggest you spend 10K+- on a used conversion van. Drive that around for a few years and decide where to go from there. If you don't lik...
by mrgeeze
Thu Apr 19, 2018 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for ACA ? [Colorado]
Replies: 17
Views: 1586

Re: Applying for ACA ?

Manage your taxable income… If you go a dollar over the subsidy income limit, you are not eligible for a subsidy. This is very true. Also, if there's no way to keep your income under the subsidy limit you should price plans directly from the insurance companies too. There may not be any advantage t...
by mrgeeze
Tue Apr 10, 2018 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Selling gold coins
Replies: 5
Views: 468

Selling gold coins

I have a handful of silver and gold US coins.
Gold includes 1oz gold coins
Don't think they have any collector value, mostly the value of the metal

What is the best way of selling them?

Thanks
by mrgeeze
Sun Apr 08, 2018 10:03 am
Forum: Investing - Theory, News & General
Topic: Can Big Tech Stocks Grow Without Limits?
Replies: 38
Views: 3181

Re: Can Big Tech Stocks Grow Without Limits?

Yep. "It's different this time." Whenever someone says that, they're always right. Always. Definitely an odd time. Microsoft is 27 times earnings. Apple is 15 or 16. Amazon is 300 times earnings. For tech stocks my conventional wisdom is MSFT is a tad high, AAPL is undervalued and AMZN is snake oil...
by mrgeeze
Sun Apr 08, 2018 9:57 am
Forum: Personal Finance (Not Investing)
Topic: How do you estimate your home's market value?
Replies: 53
Views: 3681

Re: How do you estimate your home's market value?

We use Zillow's estimate minus ~10% to account for selling fees, last-minute repairs prior to selling, etc. +1 10% less may be conservative. depending on deferred maintenance, you might need more. don't forget , a typical sale (realtor, etc) will take a good 5-8% to get done. also remember that rea...
by mrgeeze
Thu Apr 05, 2018 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Creative home financing?
Replies: 2
Views: 363

Re: Creative home financing?

not sure why you insist on funding the build 100% before starting.

get a note on the new build.
put 250 down, maybe less

pay it down when you sell the old house.
pay it off when you can/like.

if its $800k before you break ground, budget for a million.
by mrgeeze
Sun Mar 18, 2018 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Rent in Retirement
Replies: 35
Views: 3479

Re: Rent in Retirement

Dump the house.
You have too much costs.

Assuming you don't live in SF or some other ultra high rent neighborhood 1500-2500 should get you a decent monthly rental.
Add 500-1000/month for utilities and you're about half what you are now +-.
by mrgeeze
Sat Mar 17, 2018 4:36 pm
Forum: Personal Consumer Issues
Topic: Best places to buy board shorts and sunglasses
Replies: 13
Views: 1229

Re: Best places to buy board shorts and sunglasses

I like Oakley. I've heard nothing but good things about Maui Jim. At the upper end, Luxottica has a quasi-monopoly on sunglasses. Costa Del Mar is what you see most fisherman wearing. I mostly hang out with fishermen, so I see a lot of Costa's. I wouldn't have anything else. $1-200 bucks will get y...
by mrgeeze
Sat Mar 17, 2018 12:28 pm
Forum: Personal Consumer Issues
Topic: What is your favorite reasonably priced Rum?
Replies: 39
Views: 3108

Re: What is your favorite reasonably priced Rum?

My kind of thread..... :) A friend got me into good dark rums and weaned me off bourbon. Generally we follow a few rules (with exceptions): - "mainland" rums are better than island rums - black or dark rums are superior to amber or white/silver - aging in bourbon barrels (or sherry or brandy) is a ...
by mrgeeze
Sat Mar 17, 2018 12:07 pm
Forum: Personal Consumer Issues
Topic: Backpacking in Guatemala and El Salvador?
Replies: 31
Views: 2926

Re: Backpacking in Guatemala and El Salvador?

The safest countries in Central America are 1. Nicaragua 2. Costa Rica The most dangerous countries in Central America are 1. Honduras 2. El Salvador Guatemala can be very dangerous too, especially outside of Xela and Antigua in areas where there are a lot of tourists. I would not visit El Salvador...
by mrgeeze
Thu Mar 15, 2018 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: Do I have enough saved to pull the trigger now? Or wait 1? 3? years?
Replies: 52
Views: 7843

Re: Do I have enough saved to pull the trigger now? Or wait 1? 3? years?

I'm in a similar boat having disencumbered myself from the working economy 3 years ago at 56. Healthcare is a bit of a pain but I think the longer you wait the more risk you run. A friend showed me an approach that works quite well if you can control your income. Generally all you have do do is a li...
by mrgeeze
Sat Feb 17, 2018 5:00 pm
Forum: Investing - Help with Personal Investments
Topic: Really need an advice: sell the house or rent it out
Replies: 40
Views: 2514

Re: Really need an advice: sell the house or rent it out

Sell the house. +1 I have 20 years experience in the DC rental market. You're way too the wrong way (a technical term) to ever make money on that thing as a rental. At least I can't see it in 6 years. Probably not in 10-15 unless valuations/rents move very north from where they are. Unlikely given ...
by mrgeeze
Sat Feb 17, 2018 9:41 am
Forum: Personal Consumer Issues
Topic: ios fitness/stretching apps
Replies: 3
Views: 215

ios fitness/stretching apps

looking for recs on decent stretching and/or aerobic workout apps for the ios (Iphone/ipad) domain.

I'm overweight and almost 60... something appropriate.

thanks
by mrgeeze
Sat Feb 17, 2018 9:38 am
Forum: Personal Finance (Not Investing)
Topic: Selling Timber
Replies: 37
Views: 3001

Re: Selling Timber

Hurricanes blow down things made of wood
Fires burn up things made of wood.

Houston
Florida
Gulf Coast
Mid Atlantic(Sandy)
California


Demand for timber should be through the roof..... i made a pun
by mrgeeze
Mon Feb 12, 2018 12:50 pm
Forum: Personal Consumer Issues
Topic: Do you think it is worth the money to travel to warm weather destinations during the winter?
Replies: 77
Views: 7128

Re: Do you think it is worth the money to travel to warm weather destinations during the winter?

Personally I think anytime the weather gets too cold for t-shirt and shorts, its just too cold.
For a variety of reasons, I've been stuck in coastal Carolina all winter.

But I'm about to bust loose and head south!!!
by mrgeeze
Mon Feb 12, 2018 12:41 pm
Forum: Personal Consumer Issues
Topic: Birding binoculars under $500?
Replies: 21
Views: 1222

Re: Birding binoculars under $500?

By far the most useful set of binoculars I have found recently are the Swarovski CL compact glasses. I know they are twice your budget but they truly are phenomenal. Of course the optics are first rate... they are Swaro's. More important is the small size. It makes carrying them everywhere very easy...
by mrgeeze
Sat Feb 10, 2018 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Tenants want to break lease early and is pregnant
Replies: 105
Views: 9553

Re: Tenants want to break lease early and is pregnant

You can give charity to anyone. If you want to "let them leave" you can. I wouldn't give nor promise full deposit before they leave. I would wait till the leave, try to re-rent. If the place is spotless and re-rented within say 3 weeks, keep deposit amount equivalent of 3 weeks lost rent. If you do...
by mrgeeze
Mon Feb 05, 2018 1:38 pm
Forum: Investing - Theory, News & General
Topic: Calling it right now.
Replies: 18
Views: 3870

Re: Calling it right now.

I think GE under 16 is a FABULOUS Buy!! Seriously. Look how hard the markets been whacked in the last week and GE is sitting pretty tight. Its been down near that 16 number for a few weeks. Anything under 16 I consider overswing on the pendulum of GE bears. Remember above all, I am a guy on the inte...
by mrgeeze
Tue Jan 30, 2018 9:23 am
Forum: Investing - Help with Personal Investments
Topic: look what i found... investing stratedgerie
Replies: 6
Views: 1064

Re: look what i found... investing stratedgerie

pkcrafter wrote:
Mon Jan 29, 2018 11:39 pm
Maybe invest 25% now and dollar cost average the rest every two months over the next 12 months.

Paul
I'm thinking about something along these lines now.
by mrgeeze
Mon Jan 29, 2018 3:00 pm
Forum: Investing - Help with Personal Investments
Topic: look what i found... investing stratedgerie
Replies: 6
Views: 1064

look what i found... investing stratedgerie

i may come into some cash. perhaps 3-400k should i dollar cost average it over a year as I purchase my 3 fund portfolio. or should i purchase the 3 funds on the day i get my money. i'm a little concerned about just how high the market has gone lately. but it has been very very good to me these past ...
by mrgeeze
Sat Jan 27, 2018 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: What hourly consulting rate outside my day job?
Replies: 28
Views: 1710

Re: What hourly consulting rate outside my day job?

I have a typical 40-hour/week job as an engineer at a megacorp. A local tech startup wants me to join them part-time and work 12 hours a week. My megacorp pays me ~$60/hour ( salary / 2000 hours ). The startup is offering the same. They say consultants usually get more but since I already have a da...
by mrgeeze
Sat Jan 27, 2018 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: Real Estate Commission Rates around Metro D.C.
Replies: 6
Views: 501

Re: Real Estate Commission Rates around Metro D.C.

Ok, Lets reel it back in.
I am specifically after the going rates for "establishment" type realtors
Long and Foster, Remax, Century 21. Etc

Not looking for an alternative.

Thanks,
by mrgeeze
Sat Jan 27, 2018 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Real Estate Commission Rates around Metro D.C.
Replies: 6
Views: 501

Real Estate Commission Rates around Metro D.C.

I have a residential rental property (townhouse) in northern Va near Dulles Airport. I'm thinking of selling. Last one I sold was a few years ago and the overall brokerage commissions had come down off the "normal" rate 6% to about 5.5% Currently my research suggests now it might be in the 4.5-5.0% ...
by mrgeeze
Mon Jan 22, 2018 8:06 am
Forum: Personal Consumer Issues
Topic: Cutting cable
Replies: 51
Views: 3044

Re: Cutting cable

Cut the cord a couple of years ago. Use a Roku box since the Apple Tv blew up a couple of months ago. Either one works fine. OTA signals not available here so we pretty much stream everything. Netflix and Amazon Prime we pay for. PBS we have Passport as contributors. We often rotate the others (HBO,...
by mrgeeze
Thu Jan 18, 2018 4:43 pm
Forum: Investing - Theory, News & General
Topic: Year 2000 retirees using the '4% rule' - Where are they now?
Replies: 363
Views: 41432

Re: Year 2000 retirees using the '4% rule' - Where are they now?

Few Americans realize how much wealth they do have compared to the rest of the world. In the US one needs something north of 300k per year to qualify as the top 1% However worldwide that number is more like $32,000 per year. In other words, over 70% of Americans are in the worlds 1% wealthiest peopl...
by mrgeeze
Wed Jan 03, 2018 11:13 am
Forum: Investing - Help with Personal Investments
Topic: Short Term Cash
Replies: 15
Views: 1382

Re: Short Term Cash

Exactly. Just about all investments are as liquid as anyone could need. In fact cash deposits could take longer to access than a security sale. If you need instant liquidity at 2:00 am in Poughkeepsie a credit card is likely to be your best bet. I suspect the OP does not mean liquidity but rather t...
by mrgeeze
Wed Jan 03, 2018 8:39 am
Forum: Investing - Help with Personal Investments
Topic: Short Term Cash
Replies: 15
Views: 1382

Short Term Cash

I am mostly retired- First year was 2017. Thankful for a forgiving market. Still pretty active trader, moving toward a 3 fund approach . That will probably take a couple more years of trading In the meantime I keep 3 years worth of expenses in cash just in case the market tanks. I don't keep it unde...
by mrgeeze
Tue Jan 02, 2018 8:23 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1857
Views: 340029

Re: What are you up YTD? [Year To Date]

it was a relatively easy year to make money if you held equities of any form. AAPL alone was through the roof this year. Also if you had total market funds and/or divvy funds you might have made 15-20% good on you if you did. rebalance & move on. perhaps a pause with fermented and/or distilled potab...
by mrgeeze
Mon Dec 18, 2017 5:14 pm
Forum: Personal Consumer Issues
Topic: New job offer - background check
Replies: 140
Views: 8446

Re: New job offer - background check

I have a formal job offer letter coming tomorrow. I assume there will be a form for me to sign agreeing to a background check and that the job is contingent upon a successful background check. I always worry because 14+ years ago at age 17, my dumb high school friends and I decided it would be a go...
by mrgeeze
Mon Dec 18, 2017 4:24 pm
Forum: Investing - Help with Personal Investments
Topic: Converting Individual Roth 401k to Roth IRA
Replies: 8
Views: 795

Re: Converting Individual Roth 401k to Roth IRA

Hello, I'm 32 years old and have both an individual Roth 401k and a Roth IRA at Vanguard. I was hoping to find a way to move my funds from the Roth 401k to the Roth IRA every year, since the Roth IRA has more investment options and is also eligible for Admiral funds (unlike the individual Roth 401k...