Search found 222 matches

by Shallowpockets
Sat Sep 23, 2017 4:36 pm
Forum: Personal Consumer Issues
Topic: Toilet Woes
Replies: 46
Views: 5120

Re: Toilet Woes

Fluidmaster fill valve. You can get the deluxe one if you want. I don't know about any high end fill valves. i guess I am glad mine went in and worked OK. You do need correct room for the float to rise. The float is part and parcel of the fill valve. It is not a separate float like the older models ...
by Shallowpockets
Sat Sep 23, 2017 4:01 pm
Forum: Personal Consumer Issues
Topic: Toilet Woes
Replies: 46
Views: 5120

Re: Toilet Woes

Don't overthink this. I had similiar problem and won't way too much time trying this and that with the float and the water supply. Then I went to Walmart and got a new valve. $6.83 including tax. Took it home, put it in. Problem solved. So don't wonder this and that and try all sorts of remedies tha...
by Shallowpockets
Fri Aug 11, 2017 3:06 pm
Forum: Personal Consumer Issues
Topic: Harry Bosch: the Amazon Series vs the novels
Replies: 47
Views: 2528

Re: Harry Bosch: the Amazon Series vs the novels

Now that I am done with all the seasons of Bosch, what next? Any suggestions for a quality show? Have watched all of Wallamder, and all of Luther.
Would like a good show series that doesn't have too too many episodes overall as I do not want to start in on a 60 episode show.
by Shallowpockets
Wed Aug 09, 2017 10:38 am
Forum: Personal Consumer Issues
Topic: Advice on trip from SLC > Moab > DEN
Replies: 14
Views: 905

Re: Advice on trip from SLC > Moab > DEN

Your itinerary is good. I would not start adding other parks and such. I don't know why people always throw in more and more to do. You will have plenty to do. A nice way to see Arches is to hike every one of the arches off the road in the park. That is pretty much a whole day. Get a map at the entr...
by Shallowpockets
Mon Aug 07, 2017 2:52 pm
Forum: Investing - Theory, News & General
Topic: Does the trend toward index funds mute any bear market?
Replies: 17
Views: 2104

Does the trend toward index funds mute any bear market?

As more and more people go the route of Index funds and if keeping those funds through thick and thin, no selling, no market timing, does this mute the effects that might occur should the market drop? Since the fundamentals of the market are often the same as before a sudden stock market drop, a lot...
by Shallowpockets
Mon Aug 07, 2017 2:40 pm
Forum: Personal Consumer Issues
Topic: Delta priority boarding - first timer
Replies: 80
Views: 6219

Re: Delta priority boarding - first timer

The airlines have set us all up as adversaries with zone boarding. Zones are supposed to help with getting the plane boarded in an efficient manner. However, they have complicated this issue by charging to check bags. So now all the worrywarts want to carry on their bags. Even with SW and free check...
by Shallowpockets
Sat Aug 05, 2017 5:11 pm
Forum: Personal Consumer Issues
Topic: Where to watch Eclipse in South Carolina?
Replies: 7
Views: 954

Re: Where to watch Eclipse in South Carolina?

If you have not actually made plans yet for your place to stay, you may be unable to find anything. Or else very expensive. I have heard that 4x normal rates may be he asking prices.
Someone in farm country on the eclipse path is charging $1500 a couple to camp on their land. It may include breakfast.
by Shallowpockets
Fri Aug 04, 2017 1:40 pm
Forum: Personal Consumer Issues
Topic: Delta priority boarding - first timer
Replies: 80
Views: 6219

Re: Delta priority boarding - first timer

>>>>>>Schmucks and riff raff in boarding zones behind you!<<<<<<<

Wow. That is a statement that caught me off guard. Not very nice to think that way. Especially as a first timer and did not know your zone was on your boarding pass.
Maybe those boarding first class are thinking the same of you.
by Shallowpockets
Wed Aug 02, 2017 12:39 pm
Forum: Personal Consumer Issues
Topic: Riding a bike in Bogota, Colombia?
Replies: 6
Views: 749

Riding a bike in Bogota, Colombia?

My nephew is going to Bogata. He is bringing his bike and plans to ride in the mountains on some Strava routes. I have been in many Latin counties and suspect that the roads and drivers in Colombia are similar. First he would have to ride from his hotel to the ride itself. Maybe a taxi. I am assumin...
by Shallowpockets
Mon Jul 31, 2017 4:43 pm
Forum: Personal Consumer Issues
Topic: Looking for a single speed commuter bike, less than $400?
Replies: 24
Views: 2015

Re: Looking for a single speed commuter bike, less than $400?

Lots of advice. Always is on a thread here when someone looks for bikes. But, lets get a handle on your question. Single speed, flat land, only 5 miles. Doesn't have to be a great bike. Usually people who are beginners either buy too much or buy to little. Too much leaves you with an expensive bike ...
by Shallowpockets
Fri Jul 28, 2017 1:46 pm
Forum: Personal Consumer Issues
Topic: What are your monthly expenses?
Replies: 69
Views: 7314

Re: What are your monthly expenses?

OP has only $300 for miscellaneous. Is that for rent? If OP does not have any rent now, he should be prepared for a big uptick in expenses when that occurs. And it certainly will. His expenses could easily double. Average spending for us for two people (retired) is $4449 averaged over last twelve mo...
by Shallowpockets
Fri Jul 28, 2017 1:07 pm
Forum: Personal Consumer Issues
Topic: Golfers - need to ramp up ASAP!
Replies: 42
Views: 3818

Re: Golfers - need to ramp up ASAP!

"One" of the activities is golf. I reckon you are not worried about the other activities. So golf is just one. Lets hope you are not surfing too. I concur with almost everyone here. You are not going to get much in a month, even if you start to play a few times a week. What you will truly get is fru...
by Shallowpockets
Fri Jul 28, 2017 12:15 pm
Forum: Personal Consumer Issues
Topic: I bought a different car and my old bike rack no longer works. How should I transport my bike moving forward?
Replies: 67
Views: 3169

Re: I bought a different car and my old bike rack no longer works. How should I transport my bike moving forward?

Ford Fusion. Has a trunk, not a hatchback. I googled Walmart bike racks. Found this. Allen Sports rack. 102DN Deluxe. $34.84 A trunk mounted rack. It has a picture. Go buy this and see how it works. Not for you. Take it back. I know you stated you would like a trailer hitch rack. All of these are fo...
by Shallowpockets
Fri Jul 28, 2017 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Ready to retire - have I missed anything?
Replies: 24
Views: 4075

Re: Ready to retire - have I missed anything?

Your finances sound excellent. So to move on, you state some trepidations about leaving the job. Everyone leaves their job, eventually. There are four ways. Work until you die. Work until poor health prevents continuing. Retire voluntarily. Get laid off or fired. If you have a bucket list or things ...
by Shallowpockets
Fri Jul 28, 2017 10:46 am
Forum: Personal Consumer Issues
Topic: I bought a different car and my old bike rack no longer works. How should I transport my bike moving forward?
Replies: 67
Views: 3169

Re: I bought a different car and my old bike rack no longer works. How should I transport my bike moving forward?

WOW. This thread morphed into getting a new bike. Previous threads on bike advice will leave your head spinning. You need a rack that fits your new car, which you have not let us know what that is. Thule and Yakima bike racks are available for almost every make and model. Simple as that, but not nec...
by Shallowpockets
Fri Jul 28, 2017 10:15 am
Forum: Personal Consumer Issues
Topic: Is this rental house/vacation property be worth considering?
Replies: 22
Views: 1520

Re: Is this rental house/vacation property be worth considering?

Figures $120k for house. Paid, no mortgage. Rent at your stated max of $900 month yields total $10,800 Subtract the property tax of $1200 = $9600 9600 is 8% of 120k buy price. 8% is your maximum return on this. Compare to S and P over time. Subtract, possible property management, not full 12 month r...
by Shallowpockets
Thu Jul 27, 2017 3:05 pm
Forum: Investing - Theory, News & General
Topic: How are folks handling the unprecedented rise in the market ?
Replies: 166
Views: 18803

Re: How are folks handling the unprecedented rise in the market ?

Things never last. But you do not know when the change is, and more important, how drastic it is. Conventional wisdom here is stay the course. It might behoove someone to take some profits and hold some cash for the "blood in the water" time or event.
by Shallowpockets
Thu Jul 27, 2017 2:56 pm
Forum: Investing - Theory, News & General
Topic: Anybody with substantial gains in FANG stocks ?
Replies: 22
Views: 2073

Re: Anybody with substantial gains in FANG stocks ?

I have AMZN. Up 67k. Was up close to 4k more earlier today. Right now up 179%. I have held on and off NFLX and FB through the years and have them again now. I only buy in 100 share lots. To me it is not the percentages gained but the dollar values. Plus 100 shares allows me to see CC options. One co...
by Shallowpockets
Mon Jul 17, 2017 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Is it still worth buying a house in a state with insane property taxes
Replies: 96
Views: 9774

Re: Is it still worth buying a house in a state with insane property taxes

$10k for property taxes is crazy. We live in Colorado and our house recent assessment is above $300k. Thus our property taxes went up. To about $1800. So although the taxes in most areas are linked to house assessment, it is nominal and not a burden. $10k would be a burden and I would not like it. A...
by Shallowpockets
Sun Jul 09, 2017 7:27 am
Forum: Personal Consumer Issues
Topic: Doing dishes while camping
Replies: 38
Views: 2936

Re: Doing dishes while camping

I hate grease. Therefore we never cook any greasy foods. When camping simple is better. No grease means easier cleaning. Also I put in a little extra water on anything needing water. This way there are no thick food particles to wipe off or dry onto your dishes. Easier cleaning. The sooner you clean...
by Shallowpockets
Sun Jul 02, 2017 6:07 pm
Forum: Investing - Theory, News & General
Topic: Illinois and Vanguard's exposure
Replies: 8
Views: 1571

Re: Illinois and Vanguard's exposure

" The fund will only take a loss if the finances of the state turn out to be worse than currently expected." That is a heck of a statement. If true one would think that things could turn out just fine at the levels of distress at the present. So, all in all, it would take what to lose money. Not sur...
by Shallowpockets
Sun Jul 02, 2017 11:59 am
Forum: Personal Finance (Not Investing)
Topic: What are your health insurance stats?
Replies: 89
Views: 5810

Re: What are your health insurance stats?

Some people here have some real good plans. They should ride them as long as they can. Some of these plans seem so good that if these people become unemployed the financial hit of losing that insurance would be a huge. In fact, reading these replies makes me wonder why all the fuss is out there abou...
by Shallowpockets
Sat Jul 01, 2017 11:13 am
Forum: Personal Consumer Issues
Topic: Need Credit Card for International Travel
Replies: 45
Views: 3225

Re: Need Credit Card for International Travel

Since you do not travel very frequently, I would just use your present ATM bank card. Your bank can tell you exactly how much the fees are. Then figure your possible spending for this travel and figure if it is worth it to apply, pay for (?), and use a brand new card. Sometimes the biggest percent e...
by Shallowpockets
Sat Jul 01, 2017 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Friend from Work & His Failing Business
Replies: 22
Views: 3132

Re: Friend from Work & His Failing Business

The desire to tap his 401 seems predicated on him getting another job. His current job, you say, is steady and stable. He is trying to figure out a way to relieve is debt with no pain, but that does not seem possible. He makes 135k, a good income. He should just put his head down at his current job ...
by Shallowpockets
Sat Jul 01, 2017 9:06 am
Forum: Personal Finance (Not Investing)
Topic: Stress Testing Plans: How much stress?
Replies: 34
Views: 2692

Re: Stress Testing Plans: How much stress?

The biggest factor for me is expenses. Though no one knows how it will go in your future, you can take heart in knowing what you have been spending over the years. Before I retired I tracked EVERYTHING I spent in the eight years leading up to retirement. Then I looked at my total assets and figured ...
by Shallowpockets
Fri Jun 30, 2017 8:06 am
Forum: Personal Consumer Issues
Topic: Ideas for a week in Spain
Replies: 42
Views: 2757

Re: Ideas for a week in Spain

You could try Valencia. A nice city. Not too big. A wonderful central market for food to cook yourself or to eat there. A real nice green belt running around the city where the old River used to be. You can walk, rent bikes, run, workout, or just sit and enjoy. This greenbelt also goes to the beach....
by Shallowpockets
Mon Jun 19, 2017 9:06 am
Forum: Personal Consumer Issues
Topic: Cataracts & reading glasses
Replies: 31
Views: 2620

Re: Cataracts & reading glasses

No reading glasses is a major goal of cataract surgery. For me. I had left eye done last month and will be having right eye done tomorrow. I paid extra for a multifocal lens, not covered by medicare. $2400. I am medicare advantage kaiser. Surgery was $50. With only the left eye done I have not worn ...
by Shallowpockets
Mon Jun 19, 2017 7:00 am
Forum: Investing - Help with Personal Investments
Topic: ETF expense ratios. do they matter in this case?
Replies: 6
Views: 720

Re: ETF expense ratios. do they matter in this case?

Thanks, Nisiprius. That does put things in perspective. Sometimes we get carried away by frugality in many things and cant see the forest for the trees. Your analysis was clearly laid out.
by Shallowpockets
Sun Jun 18, 2017 2:53 pm
Forum: Investing - Help with Personal Investments
Topic: ETF expense ratios. do they matter in this case?
Replies: 6
Views: 720

ETF expense ratios. do they matter in this case?

I am holding ETF SPY through my Etrade account. I see that the expenses ratio is 0.09%. I pay $4.95 to trade/buy it. Other than this $4.95, which is 0.02% of an overall cost basis of 100 shares at $23760 (237.60 share at the time) does the expense ratio affect this? Or, should I buy VOO (Vanguard 50...
by Shallowpockets
Fri Dec 30, 2016 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: I'll never save a 20% down payment. Rent for life?
Replies: 138
Views: 14793

Re: I'll never save a 20% down payment. Rent for life?

OP, Your wife, an RN. I am an RN and you could easily double your family income by having her work. She should even be able to find part time or 'PRN' work that would take your income WAY above what your have now. Well enough to afford this house. Her not working and having little experience to begi...
by Shallowpockets
Tue Sep 27, 2016 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: Reason NOT to wait past 66 to take Social Security
Replies: 48
Views: 6523

Re: Reason NOT to wait past 66 to take Social Security

It is a BH trend to not take SS before 70. To wait until 70 is a luxury to many people. Most do not have the funds to make it that long. It is not how much you collect until break even age, it is how much you need to live. Personally I am taking it this year at 66. I feel that is a median age and be...
by Shallowpockets
Tue Sep 27, 2016 10:57 am
Forum: Personal Consumer Issues
Topic: Protein Powders
Replies: 45
Views: 4165

Re: Protein Powders

Post-OP your mother should have access to a nutritionist consult and that is what you should do. Then you can consider what they say. Might be a lot better than posting here. Time is wasting post-op while you gather replies here and assess them. I am sure any nutritionist associated with the hospita...
by Shallowpockets
Mon Sep 26, 2016 5:53 pm
Forum: Personal Consumer Issues
Topic: Where to spend January-March in Winter??
Replies: 37
Views: 3839

Re: Where to spend January-March in Winter??

You live in Maine.
Let me repeat that. You live in Maine.
You want warm, yet you say there is nothing to do in Florida except beach and pool. In the whole state of Florida you cannot find anything to do that might suit you?
by Shallowpockets
Mon Sep 26, 2016 3:27 pm
Forum: Personal Consumer Issues
Topic: Aging and Spending
Replies: 54
Views: 10602

Re: Aging and Spending

I have spent a little more since I retired (late 50's here, retired mid 50's). I have 2 problems with letting loose: 1. I don't want to acquire more "stuff". I have enough already. 2. I increasingly don't like the hassles associated with travel. Packing, dealing with the airports (Los Ang...
by Shallowpockets
Sun Sep 25, 2016 2:02 pm
Forum: Personal Consumer Issues
Topic: Stain Our Deck Before Winter - $3,000 or DIY?
Replies: 41
Views: 3911

Re: Stain Our Deck Before Winter - $3,000 or DIY?

I concur with above. I used to stain deck, but it does get to be tedious and cost a bit too.
Then it wears uneven and starts to look,bad.
Past 15 years, nothing. It is a redwood deck. Is gray now but looks OK and I am good with that.
by Shallowpockets
Sat Sep 24, 2016 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: 75-year-old widowed retiree
Replies: 8
Views: 1766

Re: 75-year-old widowed retiree

Looks like it is all "lagniappe". She has been living fine until now. Her needs are met. Life gies on. Now she has more. Maybe a little good living is in order. At worst if she spent the entire 250k she would just be back to status quo of now. Maybe time to make life a bit better and easie...
by Shallowpockets
Sat Sep 24, 2016 2:04 pm
Forum: Investing - Help with Personal Investments
Topic: How do I put on these trades?
Replies: 16
Views: 1748

Re: How do I put on these trades?

I do trade stocks. When I do I sit there and watch what is going on. You say you do not want to do that, but then you will think about some things over a glass of red wine. You had the time to post here and to read the thread. So, you do have the time. Sounds like you are looking for an easy way. Yo...
by Shallowpockets
Sat Sep 24, 2016 11:35 am
Forum: Personal Consumer Issues
Topic: Cancun, Grand Cayman or Other Caribbean Islands
Replies: 28
Views: 2880

Re: Cancun, Grand Cayman or Other Caribbean Islands

Just back last night from the Riviera Maya area. Stayed at Iberostar. There were quite a few young children and even babies there. They have a dedicated kids area and staff if you want to be free for a while although your children seem very young. Lots of good suggestions on this thread for you. Riv...
by Shallowpockets
Wed Sep 14, 2016 8:20 am
Forum: Personal Consumer Issues
Topic: Best Flashlight to keep in home for emergency
Replies: 56
Views: 6153

Re: Best Flashlight to keep in home for emergency

Why are the lights out that you need a flashlight? You have to ask yourself that. Is it temporary? Do you know why they went out? Do you have access without power to the news and the whys and where's? This day and age it could be a terrorist attack in the grid. Or just that aging grid showing its pr...
by Shallowpockets
Tue Sep 13, 2016 12:09 pm
Forum: Personal Consumer Issues
Topic: Christmas gift expectations
Replies: 61
Views: 5326

Re: Christmas gift expectations

Well. You can be manipulated by your sister or not. This one time can become every Christmas very easily. You can be manipulated by all the usual expectations of Xmas or not. All that is the whole family thing. Someone said, just say NO. I would concur on that. Set a precedent with the sister. Sure,...
by Shallowpockets
Tue Sep 13, 2016 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Explaining college tuition increases
Replies: 27
Views: 2276

Re: Explaining college tuition increases

College tuition goes up because it can. Many times related to a third party payer or a loan process. Look at any third party payer system and you will find all kinds of different prices for the same thing and a maze of inconsistency, vagueness, and runarounds. It is the nature of the beast that anyt...
by Shallowpockets
Tue Sep 13, 2016 11:44 am
Forum: Personal Finance (Not Investing)
Topic: No health insurance - please help.
Replies: 24
Views: 2655

Re: No health insurance - please help.

Now is the time to educate yourself. Try it before you end up paying unnecessary money in order to learn. Go to the ACA for your state. Find out how and how much that will be for you. This company you are involved with does not even sound like an insurance company. You should at least have had the o...
by Shallowpockets
Fri Sep 09, 2016 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Waterfront Lot in Florida - Worthless or Priceless?
Replies: 31
Views: 2867

Re: Waterfron Lot in Florida - Worthless or Priceless?

It is odd to me that a vacant lot would have sentimental value. Does the next generation even want the property? Why would an elderly woman want to take on the task of building a house that she won't live in? This is exactly right. It is all a pipe dream. Nothing has been done before regarding this...
by Shallowpockets
Wed Sep 07, 2016 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Question about capital gains on home sale.
Replies: 35
Views: 2558

Re: Question about capital gains on home sale.

I am asking for a friend who is in deep financial trouble. 1. Bought home for 100,000 in 1980 approx. 2. Took out all equity in house in 2009 approx 530,000. to make an investment and live off some of the money for years. 3. Lost all money in investment immediately. (bad/corrupt investment in a gol...
by Shallowpockets
Wed Sep 07, 2016 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: vacation home now or in 2035?
Replies: 10
Views: 1676

Re: vacation home now or in 2035?

Not a good idea. Do the math. Lets say you pay 100k for this mountain vacation home. That would most likely be a great price. Your are on the hook now for payments. But, lets say you just went when you wanted and payed $200 night for a hotel. You could go 500 nights for that price and not have any r...
by Shallowpockets
Tue Sep 06, 2016 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Question about capital gains on home sale.
Replies: 35
Views: 2558

Re: Question about capital gains on home sale.

I stand corrected on both points in my above post. Spelling and against income, not the taxes.

Oops.
Sorry, and thank you.
by Shallowpockets
Tue Sep 06, 2016 6:02 pm
Forum: Personal Consumer Issues
Topic: Visiting Peru/Machu Picchu
Replies: 16
Views: 1508

Re: Visiting Peru/Machu Picchu

I am sure you can make all your arrangements in Cuszco. Be aware that such arrangements may take time. If pre booked from the US you will be more assured of how your timeframe will be. If you have the time to wander around and compare prices and outfitters and then fit yourself into whatever departu...
by Shallowpockets
Tue Sep 06, 2016 5:48 pm
Forum: Personal Consumer Issues
Topic: How much is your cell phone bill?
Replies: 263
Views: 28353

Re: How much is your cell phone bill?

What is ring plus, mentioned twice here, for $0?
by Shallowpockets
Tue Sep 06, 2016 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Question about capital gains on home sale.
Replies: 35
Views: 2558

Re: Question about capital gains on home sale.

It is capitol losses against capitol gains, dollar for dollar. The $3,000 maximum per year additional is used against earned income taxes if needed. Example. Capitol gains = $10,000 Capitol losses = $18,000 10k gains offset by 10k losses. The remaining 8k loss can have 3k applied against income tax ...
by Shallowpockets
Mon Sep 05, 2016 10:06 am
Forum: Personal Consumer Issues
Topic: Traditional Medicare, Diabetes and Ophthalmologist
Replies: 15
Views: 2090

Re: Traditional Medicare, Diabetes and Ophthalmologist

I imagine since she does not have any supplemental Medicare that she should find a doc that accepts Medicare as the full payment for the service. Medicare being accepted is not the same thing because there will be amounts perhaps exceeding Medicare coverage for which she will get a bill. Otherwise w...