Search found 1271 matches

by Shallowpockets
Thu Oct 10, 2019 9:04 am
Forum: Personal Consumer Issues
Topic: Concerned I may have somehow gotten scammed on Craigslist (as a seller)...
Replies: 28
Views: 3882

Re: Concerned I may have somehow gotten scammed on Craigslist (as a seller)...

So this is in progress. As in NOW. And you are already posting here about your doubts on the whole scheme. Why not see how it goes and then if anything goes amiss you can post it.
by Shallowpockets
Wed Oct 09, 2019 9:27 am
Forum: Personal Consumer Issues
Topic: When to put on new roof?
Replies: 34
Views: 2598

Re: When to put on new roof?

If you have no leak issues with your roof why not wait until a hail storm and damage to the roof. Then your insurance will come into play.
by Shallowpockets
Wed Oct 09, 2019 9:26 am
Forum: Personal Consumer Issues
Topic: Returned first iPhone; are they all like this?
Replies: 27
Views: 3213

Re: Returned first iPhone; are they all like this?

This thread reminds me of a free senior course AARP about use of smart phones. When told that the mapping on the phone could give you directions to your home, one woman was perplexed because it did not work. Found out she was telling phone to take me home. Had to be told that the phone did not know ...
by Shallowpockets
Wed Oct 09, 2019 8:52 am
Forum: Personal Finance (Not Investing)
Topic: Taxes - Goodwill donations, older children's clothing
Replies: 28
Views: 2467

Re: Taxes - Goodwill donations, older children's clothing

12k of clothing to Goodwill????
Must be a lot of fudging numbers on that.
by Shallowpockets
Tue Oct 08, 2019 9:46 am
Forum: Personal Consumer Issues
Topic: Question on a concrete driveway
Replies: 15
Views: 1519

Re: Question on a concrete driveway

Forget the concrete. Go to home depot and get some 4" pavers and place them where you want them. Easy fix. Seems like you are only doing this because your car has to roll over a little bit more of your existing driveway. I cannot imagine any contractor will be interested In 1 x 9 job. As someone men...
by Shallowpockets
Tue Oct 08, 2019 9:32 am
Forum: Personal Consumer Issues
Topic: Find my phone -- easy way to find it when lost in the house?
Replies: 38
Views: 2460

Re: Find my phone -- easy way to find it when lost in the house?

Don't tend to lose your phones in the house. This is an organization problem on your part. Easy to change your ways if you want or you can go ahead with solutions that others will post here. Same with car keys, wallets, etc. Have place for them. One place and stick to it. Losing your stuff on a regu...
by Shallowpockets
Tue Oct 08, 2019 9:26 am
Forum: Personal Consumer Issues
Topic: Returned first iPhone; are they all like this?
Replies: 27
Views: 3213

Re: Returned first iPhone; are they all like this?

I went from iOS to android system and at first I was frustrated. Now I am OK with both systems. I am thinking that you did not give it enough time nor investigate how to make it right for you. I see that you use your phone for reading more than as a phone. To that I would say why not get a tablet. S...
by Shallowpockets
Tue Oct 08, 2019 8:22 am
Forum: Personal Finance (Not Investing)
Topic: What are the essential and discretionary expenses in a retirement budget?
Replies: 110
Views: 6124

Re: What are the essential and discretionary expenses in a retirement budget?

OP. Why are you fishing around based on a hypothetical budget? Surely we all have parts of our spending we could cut or eliminate if we had to. Do you have to? And when and if you do, you will most certainly see your budget in a clearer light. The trim will be incremental as the time of your finance...
by Shallowpockets
Mon Oct 07, 2019 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Controlling Discretionary Spending
Replies: 43
Views: 2503

Re: Controlling Discretionary Spending

Eating out and entertainment for another thread - No. Maybe start there. That is one category. Easier to focus on that one thing. See how it goes.
by Shallowpockets
Mon Oct 07, 2019 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Should I sell or hold [house]?
Replies: 31
Views: 2691

Re: Should I sell or hold [house]?

$500k (value of house) -230k ( amt owed) = 270k (equity / invested) $600 a month profit * 12 months = $7200 a year or 7.2k $7.2k / $270 = 2.88% return on investment each year, which is pretty low. Just my line of thinking. If you like the location and want to go back there some day, or you like the...
by Shallowpockets
Sun Oct 06, 2019 3:02 pm
Forum: Personal Consumer Issues
Topic: Adding middle name to SSN and Passport
Replies: 17
Views: 1657

Re: Adding middle name to SSN and Passport

Why do you wan to fix this? Is it legally necessary or is this some sort of desire to do? I would leave well enough alone until such time it came up as a legal need. Presumably you have had these name conflicts for long enough and they haven't affected anything. With any citizenship question I would...
by Shallowpockets
Sun Oct 06, 2019 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Psychologically adverse to start drawing down in retirement
Replies: 77
Views: 7053

Re: Psychologically adverse to start drawing down in retirement

OP, what is this other money you are referring to that you have lived on this past year? Can't you keep that up?
by Shallowpockets
Sat Oct 05, 2019 5:04 pm
Forum: Personal Consumer Issues
Topic: First car for child
Replies: 129
Views: 7313

Re: First car for child

Better ask her what her friends will be getting. If they all have new cars, then it is up to you to buy similiar. You don't want her feeling bad about driving something less than the clique.
by Shallowpockets
Sat Oct 05, 2019 1:12 pm
Forum: Personal Consumer Issues
Topic: Would or should you tip AAA road assistance?
Replies: 67
Views: 4460

Re: Would or should you tip AAA road assistance?

SquawkIdent wrote:
Thu Oct 03, 2019 2:48 pm
Is it just me or has this tipping thing gotten out of hand?

+1

So I guess there are two of us. Tipping threads here are always the same.
by Shallowpockets
Sat Oct 05, 2019 6:58 am
Forum: Personal Consumer Issues
Topic: burner phone for failing iphone?
Replies: 18
Views: 1535

Re: burner phone for failing iphone?

heartwood wrote:
Fri Oct 04, 2019 11:14 pm
Thanks all. I ordered a battery case.
Thank you OP, for doing the most obvious and simple intervention to get your phone up and running.
This thread can now be closed.
by Shallowpockets
Sat Oct 05, 2019 6:48 am
Forum: Personal Consumer Issues
Topic: Buying Home with Aging Parent in Mind?
Replies: 13
Views: 1359

Re: Buying Home with Aging Parent in Mind?

Modify his home now to start. This may be enough. As you said you never know when the actual need may arise. As you are fretting over this situation, time is passing and maybe a fall with consequences could be the result. Falls are the most likely harmful thing to happen. So deal with it. Install gr...
by Shallowpockets
Thu Oct 03, 2019 8:10 am
Forum: Personal Consumer Issues
Topic: Classic car (~70s convertible)
Replies: 19
Views: 1736

Re: Classic car (~70s convertible)

I don't understand the draw to older cars as collectiables. That said, I think if you buy one you will most certainly find all kind of reasons and excuses as to why it is such a good purchase and so much fun. Until it isn't. The three cars, two car garage is an argument. It is one of the Impractical...
by Shallowpockets
Thu Oct 03, 2019 7:58 am
Forum: Personal Investments
Topic: I pulled out... How do I get back in?
Replies: 100
Views: 12818

Re: I pulled out... How do I get back in?

Don't know where you sold, but if you got that 5% drop, buy back in. That was your premise wasn't it?
That 50% upside is as unlikely as a 50% drop. Unless you stay out for a lengthy period of time.
by Shallowpockets
Thu Oct 03, 2019 6:45 am
Forum: Personal Finance (Not Investing)
Topic: Wedding Finances-Today
Replies: 107
Views: 7506

Re: Wedding Finances-Today

People get married for themselves, but they have a wedding for others. It is a show. Do you have to buy into that? Depends on how big a show you want. What is the motive? Gifts. Money, status. There you have it. The more you spend, the bigger and better you are compared to others. After the wedding....
by Shallowpockets
Wed Oct 02, 2019 7:38 am
Forum: Investing - Theory, News & General
Topic: How to implement S&P Leap strategy?
Replies: 25
Views: 1781

Re: How to implement S&P Leap strategy?

What a thread. Reading this brings me straight to a no LEAP strategy at all. Although I was not even thinkjng of one. But the knowledge imparted here has certainly skewed the discussion to that highly likely fact that such a strategy is unlikely to be worth the time, effort, or in the end, the money...
by Shallowpockets
Tue Oct 01, 2019 9:13 am
Forum: Personal Investments
Topic: Edward Jones investment choices, how to find
Replies: 18
Views: 1362

Re: Edward Jones investment choices, how to find

Your sister is paying EJ for advice. Why is she asking you? Ask the advisor.
by Shallowpockets
Tue Oct 01, 2019 8:04 am
Forum: Personal Finance (Not Investing)
Topic: need advice negotiating with car maker for problems with new car
Replies: 30
Views: 1482

Re: need advice negotiating with car maker for problems with new car

All this for trim work inside the car? Take the new car. First look at its trim. You are making a mountain out of a molehill. You just have given much thought to this particular car before buying and it was what you wanted.
by Shallowpockets
Mon Sep 30, 2019 7:36 am
Forum: Personal Investments
Topic: Threw me a curve [unexpected layoff]
Replies: 36
Views: 5727

Re: Threw me a curve [unexpected layoff]

You can see his as an oppurtunity. You are 63. May be a good time to retire. Not everyone gets to call the shots on that. Same thing happened to my wife. Out the door from large layoffs at 58. IT was the profession. I say you should consider this because at 63 you may not find another job of the typ...
by Shallowpockets
Sun Sep 29, 2019 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Do you know what your partner spends money on?
Replies: 80
Views: 6011

Re: Do you know what your partner spends money on?

This is one of those talk about things in a relationship. Gee. Who would have thought. Sounds like when you mention huge CC bills and you don't know where it went it is because your CC bill is so much less than the total and you are wondering about hers. If you don't have a handle on all that money ...
by Shallowpockets
Sun Sep 29, 2019 9:29 am
Forum: Personal Consumer Issues
Topic: Going to a wedding party
Replies: 48
Views: 4118

Re: Going to a wedding party

Be aware of the hokey pokey and line dances and other follies that seem to crop up at weddings. Melt yourself to the back of the room if so much as a hint of that begins. Or else you will be sucked into some sort of ridiculous endeavor. Also, don't be afraid to ghost out of there. No good byes and p...
by Shallowpockets
Sat Sep 28, 2019 12:58 pm
Forum: Investing - Theory, News & General
Topic: When do you see effects of compound interest on net worth?
Replies: 36
Views: 3874

Re: When do you see effects of compound interest on net worth?

If you are talking about fixed income, then, ok, let's talk math, no problem. What I don't comprehend is how people apply the concept of compound interest to their stock holdings. There are no guarantees of value with stocks. You may be able to put it into terms of number of shares increasing, but ...
by Shallowpockets
Fri Sep 27, 2019 8:45 am
Forum: Personal Consumer Issues
Topic: PSA: Credit Card Companies Are Changing Benefits (Extended Warranty, Trip Insurance, Rental Car Coverage, Etc.)
Replies: 22
Views: 2713

Re: PSA: Credit Card Companies Are Changing Benefits (Extended Warranty, Trip Insurance, Rental Car Coverage, Etc.)

Yes. And with this I will drop my AA citi visa. It costs $100 year anyway. So what am I now getting for that card? Seems like once they take away those perks that there is no reason to even have the card. I had only gotten it for the 50,000 miles bonus. I still have United Chase card and have not he...
by Shallowpockets
Fri Sep 27, 2019 8:25 am
Forum: Non-US Investing
Topic: headaches for US owner of Canadian family rental property?
Replies: 12
Views: 960

Re: headaches for US owner of Canadian family rental property?

If you don't want advice on the merits of the whole scheme and are just seeking the tax implications, why not go see a tax accountant and talk to them instead of soliciting tax advice here. How many people can respond to you on BH who have that narrow scope of knowledge?
by Shallowpockets
Thu Sep 26, 2019 9:33 am
Forum: Personal Investments
Topic: Fine Art Investments
Replies: 67
Views: 3113

Re: Fine Art Investments

Find an artist you like with a body of work but no market. Pretty much all of them.Assess the "trend" of that art style. Possibly you could offer the artist a deal on renting a gallery for his work and you can get some of the sales money. Use the gallery to create a market. Openings, shows. Get it i...
by Shallowpockets
Mon Sep 23, 2019 1:25 pm
Forum: Personal Consumer Issues
Topic: Physical activity suggestions for a non athletic youth
Replies: 189
Views: 8611

Re: Physical activity suggestions for a non athletic youth

What is your son's BMI? Height and weight? In general it is an obese sedentary world. Some parts lf the country more so than others. He may fit right in. Depends on how overweight he is. Self worth is also often tied to a person's weight and their perception of themselves and the reflection of the p...
by Shallowpockets
Sat Aug 17, 2019 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Why is Lisbon cheap compared to many of the cities Western Europe?
Replies: 20
Views: 3154

Re: Why is Lisbon cheap compared to many of the cities Western Europe?

OP. Why are you interested in this? I may wonder why some place is so expensive, but never if it is cheap.
by Shallowpockets
Mon Aug 12, 2019 11:06 am
Forum: Personal Consumer Issues
Topic: Any Western CO Folks Here (Durango?)? - Would you Rec?
Replies: 36
Views: 2581

Re: Any Western CO Folks Here (Durango?)? - Would you Rec?

I live in Lakewood, CO. Great place. Are you a traveler? FYI. On a best day, as at 0300 with good weather you can make it to DIA in maybe :45. If you are a traveler and need flights that is a scenario for you. That plus the drive over from Durango. So once you get out of the mtns on I-70, another ho...
by Shallowpockets
Sun Aug 11, 2019 11:33 am
Forum: Personal Consumer Issues
Topic: vacation [Going to Maui]
Replies: 11
Views: 816

Re: vacation [Going to Maui]

I honestly find it hard to believe people just post here with one sentence, any ideas about X? Really?! The quality of output will correspond to the quality of input. Here's a suggestion for getting more helpful replies: - Do some homework first and let us know what you already know, e.g. with the ...
by Shallowpockets
Sat Aug 10, 2019 10:24 am
Forum: Personal Consumer Issues
Topic: How do you afford to travel?
Replies: 116
Views: 15997

Re: How do you afford to travel?

It is useless to listen to people's posts about using FF miles earned on someone else's dime if you don't have that. No it isn't. It is advice to get yourself a credit card that offers miles or points. Affinity cards usually come with a hefty sign up bonus. It is not an option I can utilize like so...
by Shallowpockets
Sat Aug 10, 2019 6:33 am
Forum: Personal Finance (Not Investing)
Topic: Received my second bill from Medicare B: $2789.00 . Why is it so much?
Replies: 11
Views: 2006

Re: Received my second bill from Medicare B: $2789.00 . Why is it so much?

You need Medicare for Dummies. You are way behind the curve on this. Although you new premium seems wrong, there is not enough information to say one way or the other. Typically everyone pays Part A. $135.50 month. Then you either have a supplement or an advantage plan. That's extra, although not al...
by Shallowpockets
Sat Aug 10, 2019 6:18 am
Forum: Personal Consumer Issues
Topic: How do you afford to travel?
Replies: 116
Views: 15997

Re: How do you afford to travel?

OP. You should not travel internationaly. The title of your post is misleading. It is not primarily a cost issue. Best you stick to driving and trains as you said. As for the actual cost. Seems you have no reference point from limited experience. There have been a lot of replies here all over the sp...
by Shallowpockets
Thu Aug 08, 2019 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: FYI, Spanish bank ATMs
Replies: 49
Views: 3249

Re: FYI, Spanish bank ATMs

I am curious why people caution to take money out in Euros when a person is in a country that uses Euros. What else would you take out, and could you take out other than Euros, and why would you? Does anyone go to an ATM in Europe with the intention to take out currencies other than the local curren...
by Shallowpockets
Thu Aug 08, 2019 8:49 am
Forum: Investing - Theory, News & General
Topic: Bogleheads have higher IQs!
Replies: 21
Views: 1407

Re: Bogleheads have higher IQs!

Well, a BH is not defined exclusively by simply posting on the forum. Maybe there is intelligence, but a lot of posts are about decisions. Even the most minor and inconsequential things seem to flummox people.
by Shallowpockets
Thu Aug 08, 2019 8:44 am
Forum: Personal Consumer Issues
Topic: Amazon -- no longer the lowest prices, evidently
Replies: 120
Views: 12623

Re: Amazon -- no longer the lowest prices, evidently

People love to hate Amazon. You got to admit it's convenient. Why would I even drive around town to save unless it is a appreciable amount? Most items I buy on Amazon are not worth the drive for the savings. I shop Costco anyway (it's close) so would go with OPs purchase of K cups. To deal with driv...
by Shallowpockets
Thu Aug 08, 2019 1:57 am
Forum: Personal Investments
Topic: Helping my CSRS parent navigate meeting with Raymond James CFP
Replies: 35
Views: 3278

Re: Helping my CSRS parent navigate meeting with Raymond James CFP

All of the above. Repeat - all of the above. Best is to not go to the meeting. Cancel. Your caution is well founded, but is akin to bringing a knife to a gunfight. Cancel the meeting. Investigate Vanguard or Fidelity. Read the books. You can always go to a meeting. This is dangerous ground. Plenty o...
by Shallowpockets
Wed Aug 07, 2019 11:47 am
Forum: Personal Finance (Not Investing)
Topic: FYI, Spanish bank ATMs
Replies: 49
Views: 3249

Re: FYI, Spanish bank ATMs

OP: Thank you for posting this so we can be aware of this issue. We are traveling to France in September, and usually take cash from bank ATMs. When we were there three years ago, everything was very straight-forward. I was in Paris in March and all was well there for ATM withdrawals. No hidden exc...
by Shallowpockets
Wed Aug 07, 2019 9:38 am
Forum: Personal Consumer Issues
Topic: Worth it to upgrade to Main Cabin Extra?
Replies: 76
Views: 4004

Re: Worth it to upgrade to Main Cabin Extra?

OP. You are 5'2". Every seat is first class compared to most of us. Unless you are 5'2" and 180#.
by Shallowpockets
Wed Aug 07, 2019 9:34 am
Forum: Personal Consumer Issues
Topic: which stud finder?
Replies: 52
Views: 2903

Re: which stud finder?

You can get a cheap one in Harbor Freight. A magnet. Run it over the wall. They find a drywall nailhead. Then confirm it vertically. Then confirm again. if you have tile maybe not. There are grab bars made with a system that allows very secure adhesion through and to the wall without a backup stud. ...
by Shallowpockets
Wed Aug 07, 2019 2:17 am
Forum: Personal Consumer Issues
Topic: Advice on short Vietnam visit
Replies: 30
Views: 2157

Re: Advice on short Vietnam visit

Halong Bay. Nothing to be seen at night? Well, there is sunset and sunrise. There are the stars. There is the quiet and peace of being on the boat. So, yes, no night clubs, street stalls, and assorted other "night life". I guess if the magic in your life is being entertained at night then there is n...
by Shallowpockets
Tue Aug 06, 2019 10:03 am
Forum: Personal Consumer Issues
Topic: How to deal with rainy weather on Ireland trip
Replies: 21
Views: 1045

Re: How to deal with rainy weather on Ireland trip

Be aware that waterproof shoes are only good insofar as you don't tread through water deep enough to go higher or splash higher than the waterproof. Then, if they do get water in them it will not drain out and will dry slower than a regular shoe. That goes for sweat too. No ventilation.
by Shallowpockets
Tue Aug 06, 2019 9:57 am
Forum: Personal Finance (Not Investing)
Topic: FYI, Spanish bank ATMs
Replies: 49
Views: 3249

Re: FYI, Spanish bank ATMs

Yes, if course I took out Euros. I am not talking about a fee, as in a 5€ fee for the ATM. It may have been a DCC, but there was no choice. The note on the screen was a rate of 1.21 when the mid market rate is 1.12. Yes. I checked my balances and the upcharge was about 8% . It is not my imagination ...
by Shallowpockets
Tue Aug 06, 2019 2:31 am
Forum: Personal Finance (Not Investing)
Topic: Thinking of starting a financial advisory firm
Replies: 30
Views: 2629

Re: Thinking of starting a financial advisory firm

If you are seeking that information I don't think you should be an FA.
by Shallowpockets
Tue Aug 06, 2019 2:16 am
Forum: Personal Consumer Issues
Topic: Advice on short Vietnam visit
Replies: 30
Views: 2157

Re: Advice on short Vietnam visit

Hanoi is great. A very active city. Friendly people. More a real VN than Saigon. Allow me to vehemently disagree. Whenever someone says this, I ask where they went in Saigon, and it turns out they confined themselves to a 4 block area in the central business district in District 1. Go to Vinh Khanh...
by Shallowpockets
Tue Aug 06, 2019 2:10 am
Forum: Personal Finance (Not Investing)
Topic: FYI, Spanish bank ATMs
Replies: 49
Views: 3249

FYI, Spanish bank ATMs

I am in Spain now. Here is a note on ATMs for cash in Spain. I have been in Spain before and never noticed this. Perhaps it is new. People talk about ATM fees. Sometimes about exchange rates between international banks. This is the situation. Caixa bank and Santander are big Spamish banks. At the AT...
by Shallowpockets
Tue Aug 06, 2019 1:50 am
Forum: Personal Consumer Issues
Topic: Advice on short Vietnam visit
Replies: 30
Views: 2157

Re: Advice on short Vietnam visit

I concur with AlohaJoe. Go to Hanoi and Halong Bay. Do not do a day trip to Halong. You are short dhanging yourself by doing so. Spend at least two nights on a boat. Otherwise you are all the time on the going, there and back. What fun is that? I don't understand people trying to fit everything into...