Search found 2667 matches

by neilpilot
Mon Sep 09, 2019 3:01 am
Forum: Personal Consumer Issues
Topic: Microwave keeps tripping circuit breaker
Replies: 26
Views: 1671

Re: Microwave keeps tripping circuit breaker

suemarkp wrote:
Sun Sep 08, 2019 5:24 pm
The kitchen fridge is typically the only thing that may be putting load on a circuit that you may not realize.
Usually not, since the kitchen is typically wired so the refrigerator is on a dedicated circuit not shared by other outlets.
by neilpilot
Fri Sep 06, 2019 11:53 am
Forum: Personal Consumer Issues
Topic: First-hand experiences with United Basic Economy for families?
Replies: 180
Views: 7164

Re: First-hand experiences with United Basic Economy for families?

I am trying to remember the last time I flew on a plane that was "rather empty!" My plane from Paris to Charlotte was delayed 4 hrs this past May. The only upside was that they rebooked a ton of passengers on other flights since anyone connecting would have been stranded for the night in Charlotte....
by neilpilot
Sun Sep 01, 2019 2:07 pm
Forum: Personal Consumer Issues
Topic: for those diy’ers - how easy is it to replace an alternator?
Replies: 22
Views: 1667

Re: for those diy’ers - how easy is it to replace an alternator?

Not sure why you would be considering alternator replacement at 90K 4 years time frame on a Japanese car. That is too early to proactively think about it. If you have any symptoms, that is a different story. I agree. Maybe I've been lucky but I've never needed to replace an auto's alternator, and I...
by neilpilot
Fri Aug 30, 2019 4:31 pm
Forum: Personal Consumer Issues
Topic: for those diy’ers - how easy is it to replace an alternator?
Replies: 22
Views: 1667

Re: for those diy’ers - how easy is it to replace an alternator?

Sorry if this is obvious, but so long as the belt is off you probably should consider a new belt. You could throw the old belt in with your spare tire should the belt brake where a replacement isn't readily available.
by neilpilot
Mon Aug 26, 2019 12:50 pm
Forum: Personal Consumer Issues
Topic: Best time to purchase airline tickets to London
Replies: 26
Views: 1627

Re: Best time to purchase airline tickets to London

Another way to do open jaw is to purchase two one-way tickets. Check the discounters, like Norwegian, as well on google flights. You never know when the deals will show up but be ready to purchase quickly. I recently purchase round trip tickets from Orlando to London on Delta for $350 almost a year...
by neilpilot
Sat Aug 24, 2019 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Does it make sense to keep daughter on my healthcare to get Family HSA contribution
Replies: 14
Views: 1065

Re: Does it make sense to keep daughter on my healthcare to get Family HSA contribution

Your daughter should pay you $90 a month for your out of pocket to keep her on your plan, which is a saving of $60/mo compared to her cost if she went with her employer's plan. That assumes the coverage is equivalent, and she also pays for any medical expenses not covered by insurance.
by neilpilot
Sat Aug 24, 2019 7:34 am
Forum: Personal Consumer Issues
Topic: Telescoping downdraft vent for range
Replies: 7
Views: 509

Re: Telescoping downdraft vent for range

finite_difference wrote:
Sat Aug 24, 2019 7:31 am
So far so good with this model (not entirely sure it addresses your needs):

https://www.amazon.com/gp/aw/d/B008N0NBGE/

Can’t you call JennAir and ask what they recommend?
OP is looking for a downdraft vent, which is apples to your oranges
by neilpilot
Fri Aug 23, 2019 11:34 am
Forum: Personal Consumer Issues
Topic: Best time to purchase airline tickets to London
Replies: 26
Views: 1627

Re: Best time to purchase airline tickets to London

You may want to consider an "Open Jaw" itinerary where you fly into London and return from Paris (or the reverse). Doing that gives you extra time because you eliminate a day of backtracking. This advice is spot on. Also, since New2bogle indicates that they plan to travel to "U.K. (England + Scotla...
by neilpilot
Fri Aug 23, 2019 7:49 am
Forum: Personal Finance (Not Investing)
Topic: Should I skip scheduled car maintenance?
Replies: 26
Views: 1866

Re: Should I skip scheduled car maintenance?

If the service lights bother you, you can buy a code reader and reset them. While I have never owned a Lexus, I DIY most maintenance & repairs and do own a code reader. However, the service indicator on all of my cars is separate from the check engine light and is not accessed by the code reader. F...
by neilpilot
Wed Aug 21, 2019 4:11 pm
Forum: Personal Consumer Issues
Topic: Freeze coffee beans?
Replies: 22
Views: 1337

Re: Freeze coffee beans?

snackdog wrote:
Wed Aug 21, 2019 4:05 pm
Freezers tend to be dry so they can suck moisture out of beans, which may take flavor with it. No freezer.
Moisture will not "suck out" if they are stored in freezer bags or another tight vapor barrier.
by neilpilot
Tue Aug 20, 2019 8:28 am
Forum: Personal Consumer Issues
Topic: Replacing brake pads in a Honda CRV 125,000 miles
Replies: 34
Views: 2213

Re: Replacing brake pads in a Honda CRV 125,000 miles

This is really cheap DIY job, $100/axle with rotors and pads of higher quality than Honda OEM. If you were near me I would do it with you so you can see how easy it is. The most difficult part is the darn screws that hold the rotor in. Those almost always need to be either taken out with an impact ...
by neilpilot
Mon Aug 19, 2019 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: IRMAA 3 years after life changing event
Replies: 6
Views: 849

Re: IRMAA 3 years after life changing event

Actually, I maybe wrong but I think that your drop in income in 2020 will not be reflected in reduced Medicare premiums until 2022. You may consider coming up with a SS Life Changing Event next year, that you can document to support a reduction in 2021. Can you show that "You or your spouse stop wor...
by neilpilot
Mon Aug 19, 2019 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Help with SS calculation
Replies: 6
Views: 378

Re: Help with SS calculation

If you go to anypia https://www.ssa.gov/oact/anypia/download.html you will be able to fill in remaining years past your projected retirement date with zeroes to get a good estimate of what your PIA (benefit at full retirement age) benefit will be. This will not take COLA adjustments into account ho...
by neilpilot
Mon Aug 19, 2019 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Help with SS calculation
Replies: 6
Views: 378

Re: Help with SS calculation

Simple - just use the SS online calculator and insert zero earnings for the years that follow your retirement
by neilpilot
Mon Aug 19, 2019 11:42 am
Forum: Personal Consumer Issues
Topic: Fallen Tree clearing
Replies: 27
Views: 1744

Re: Fallen Tree clearing

To address the OP's question, where I live 2 homeowners have posted in Nextdoor and have had trees removed free, for the wood. is that to take trees down, or just to cut up and take away a tree that is down ? Do you know if these are sought-after tree woods ? Thanks ! I suspect that just about any ...
by neilpilot
Mon Aug 19, 2019 11:18 am
Forum: Personal Consumer Issues
Topic: Fallen Tree clearing
Replies: 27
Views: 1744

Re: Fallen Tree clearing

I'm not a lawyer, but someone who operated a chain saw on your property to cut wood for themselves, with no money being exchanged, likely results in minimal liability exposure. Surely nothing your umbrella policy wouldn't cover. To address the OP's question, where I live 2 homeowners have posted in ...
by neilpilot
Mon Aug 19, 2019 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Close on first home on Wednesday, might not take possession until 30 days... advice please
Replies: 48
Views: 3668

Re: Close on first home on Wednesday, might not take possession until 30 days... advice please

Aside from getting your insurance ASAP, I would really just relax. At this point, the sellers know the home much better than you do and are in a much better position to take care of it. You should have also gotten a sense of the kind of condition the sellers keep the home in - from your initial vis...
by neilpilot
Mon Aug 19, 2019 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Close on first home on Wednesday, might not take possession until 30 days... advice please
Replies: 48
Views: 3668

Re: Close on first home on Wednesday, might not take possession until 30 days... advice please

... when my agent and I drafted the agreement she recommended and I agreed to give the sellers 30 days to move. ... Thanks for reading. Was she your agent? Or was she the seller's broker's agent? Since the OP made it a point of saying that the agent is being paid by the seller, that sort of sums it...
by neilpilot
Mon Aug 19, 2019 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Real Life Experience. Applying for Medicare
Replies: 9
Views: 803

Re: Real Life Experience. Applying for Medicare

5) Mid-August 2019 (also just last week). A week after I dropped us my application, I received a letter from the local SSA office stating that I was qualified for Medicare Part B beginning August 2019. The letter does not state the premium I would have to pay. I’m waiting for additional information...
by neilpilot
Mon Aug 19, 2019 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Close on first home on Wednesday, might not take possession until 30 days... advice please
Replies: 48
Views: 3668

Re: Close on first home on Wednesday, might not take possession until 30 days... advice please

Other's have mentioned an escrow to cover last month's rent. I would actually have your lawyer or closing agent arrange a significantly larger (separate) escrow that you would release only after the home has been vacated and you have conducted a satisfactory walk thru. The escrow should be sufficien...
by neilpilot
Sun Aug 18, 2019 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Moving from Bay area, CA to Knoxville, TN
Replies: 98
Views: 6949

Re: Moving from Bay area, CA to Knoxville, TN

HEDGEFUNDIE wrote:
Sun Aug 18, 2019 2:17 pm
Knoxville is next door to Oak Ridge National Labs, home to nuclear research, supercomputers and hundreds of basic science PhDs.

Where do their kids go to school?
Oak Ridge HS, which is rated a bit lower than Farragut HS
by neilpilot
Sat Aug 17, 2019 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: IRMAA Appeal
Replies: 21
Views: 1804

Re: IRMAA Appeal

I was dreading my appeal. My IRMAA was based on my highest earning year EVER (2017), putting me in the second-highest bracket, but I retired in April, three days before turning 65. I got a letter from my HR department, copied my last pay voucher, created a detailed Excel spreadsheet of my AGI (same...
by neilpilot
Sat Aug 17, 2019 5:00 pm
Forum: Personal Investments
Topic: Recommended Bond Funds at TDA
Replies: 8
Views: 634

Re: Recommended Bond Funds at TDA

Thanks to Neilpilot for heads up on money market fund at no load. Have been using one or three month cd at Ameritrade. PTTXX is listed as no load when you pull up quote. Probably have to keep it for a month for it to stay no load so evaluating it against one month cd would be the way to go. All the...
by neilpilot
Fri Aug 16, 2019 4:30 pm
Forum: Personal Investments
Topic: Recommended Bond Funds at TDA
Replies: 8
Views: 634

Re: Recommended Bond Funds at TDA

I just turned 74 yesterday, and have to admit that other than a few paper iBonds from 2001 or 2002, I have never held a bond in my entire life. ................. and now have a little less than 2 years of expenses in TDA's default cash sweep vehicle which pays an execrable interest rate -- somethin...
by neilpilot
Fri Aug 16, 2019 8:40 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1887
Views: 303034

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Are you sure it's the same bonus? Same offer code and all? Hey Earl, How churnable is Merrill in your experience? I finished a Merrill bonus and am now transferring the funds out to Etrade. Can I come back to Merrill right away when ETrade is done in 6 months? Or can you do them right after another...
by neilpilot
Thu Aug 15, 2019 7:47 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1887
Views: 303034

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

TDA is fine just know that the holding period is one year and the selection of ETFs isn't as good as edge. Actually, isn't the selection of ETFs the same? Note, I didn't say "commission free ETFs". Unless you are a frequent trader, you should be able to get enought free trades to cover most or all ...
by neilpilot
Thu Aug 15, 2019 3:06 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1887
Views: 303034

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

TDA is fine just know that the holding period is one year and the selection of ETFs isn't as good as edge. Actually, isn't the selection of ETFs the same? Note, I didn't say "commission free ETFs". Unless you are a frequent trader, you should be able to get enought free trades to cover most or all ...
by neilpilot
Thu Aug 15, 2019 6:36 am
Forum: Personal Consumer Issues
Topic: Mismatched flooring - discovered halfway through install
Replies: 24
Views: 2146

Re: Mismatched flooring - discovered halfway through install

IMO wrote:
Thu Aug 15, 2019 1:12 am


Tell them your a bit color blind so you didn't notice until your wife saw the work....
"Since I'm a bit color blind I couldn't read the label and determine that York Hill Oak wasn't the flooring I ordered" :oops:
by neilpilot
Wed Aug 14, 2019 7:37 pm
Forum: Personal Investments
Topic: Buying ETF's - Need advice on the type of order
Replies: 5
Views: 471

Re: Buying ETF's - Need advice on the type of order

Whenever I purchase ETFs, I use a simple market order (not a limit order). It's really very simple.

If you think a limit order makes sense, ask yourself what the "limit" is on the mutual fund order you place during the day. Isn't it simply executed at "market" after the market's close?
by neilpilot
Wed Aug 14, 2019 4:24 pm
Forum: Personal Consumer Issues
Topic: Dishwasher Fiasco
Replies: 52
Views: 3129

Re: Dishwasher Fiasco

GCD wrote:
Wed Aug 14, 2019 3:08 pm
BLS has them in the top 10 in 2017. https://www.bls.gov/news.release/pdf/cfoi.pdf
No they do not. A power company lineman is very different from an electrician.
by neilpilot
Wed Aug 14, 2019 2:57 pm
Forum: Personal Consumer Issues
Topic: Dishwasher Fiasco
Replies: 52
Views: 3129

Re: Dishwasher Fiasco

Electrical is hard to mess up badly. Since you do your own work, I'm glad you're competent. But wiring problems are a top ten cause of house fires and electricians are usually found in the top ten list of deadly professions. Where exactly they end up depends on the year and the organization collect...
by neilpilot
Tue Aug 13, 2019 3:19 pm
Forum: Personal Consumer Issues
Topic: Is this 25% savings?
Replies: 67
Views: 4991

Re: Is this 25% savings?

Don't know why, but this reminds me of my wife's reaction when she sees an ad that say "Now only .45₵". As she sees it, 0.45 cents is less than a penny!
by neilpilot
Tue Aug 13, 2019 2:08 pm
Forum: Personal Consumer Issues
Topic: Portable gas tank
Replies: 7
Views: 592

Re: Portable gas tank

Rubbermaid bought Gott and over a period of a few years the Gott name was dropped. That was maybe a few decades ago.
by neilpilot
Tue Aug 13, 2019 8:52 am
Forum: Personal Consumer Issues
Topic: Personal Hearing Devices (not Hearing Aids)
Replies: 8
Views: 715

Re: Personal Hearing Devices (not Hearing Aids)

After viewing the Sunday Morning segment, I decided to buy an inexpensive HD as a trial. I'll be trying the device below, costing only $100/ear after discounts, in one ear. I'll then decide to either use this HD in one ear, purchase the same device for the other ear, or scrap any consideration of an...
by neilpilot
Tue Aug 13, 2019 8:45 am
Forum: Personal Investments
Topic: AA across different accounts
Replies: 5
Views: 328

Re: AA across different accounts

Your plan seems fine, except you might consider pegging your 401k assets (as well as any other tax deferred account) at x% of market value, where x is the approximate retirement after tax percentage of the account's value. Otherwise, the value of the 401k will be over-weighted in your total asset al...
by neilpilot
Mon Aug 12, 2019 3:05 pm
Forum: Personal Consumer Issues
Topic: Anyone been to a Kevin O'Leary event???
Replies: 22
Views: 3319

Re: Anyone been to a Kevin O'Leary event???

Don't expect to see O'Leary. I signed up for an event when they came to my city a month or so ago. After they pestered contacted me 4 times to confirm my attendance, I Googled it and decided it would be a waste of time and didn't go.
by neilpilot
Sun Aug 11, 2019 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Claiming
Replies: 13
Views: 1270

Re: Social Security Claiming

My wife and I are in the exact same time frame as the OP -- plan to file for Dec. (per opensocialsecurity) Da' wife will file Oct 1 for her benefits. I plan to wait a week, and then file for spousal. While I have great respect for Lady Geek, I see no reason to shlep down to the office. (Don't forge...
by neilpilot
Sat Aug 10, 2019 10:00 am
Forum: Personal Consumer Issues
Topic: Experience with “change airport” itinerary(LGA to JFK)?
Replies: 33
Views: 1973

Re: Experience with “change airport” itinerary(LGA to JFK)?

Of course I have no info on the flight the OP is considering from Nice to LGA, but a search of flights shows options that include flying into JFK, sometimes at a lower price point than LGA.
by neilpilot
Sat Aug 10, 2019 9:25 am
Forum: Personal Investments
Topic: RMD Advice
Replies: 8
Views: 1293

Re: RMD Advice

An advantage of doing it year end is that you can have taxes withheld so you don’t have to pay quarterly estimated taxes. As long as your brokerage withholds both federal and state tax. VG only does a couple of states, but not mine. So will be taking quarterly RMDs to align with the quarterly estim...
by neilpilot
Sat Aug 10, 2019 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Received a $17,000 medical bill! Can we negotiate?
Replies: 91
Views: 9801

Re: Received a $17,000 medical bill! Can we negotiate?

I never thought I would say this but, I'm glad me and DW are going to be on Medicare soon. Our health system is a wreck. +1 I am about 1 year away from Medicare. Nervously waiting. I agree. But some doctors are not in Medicare and the same situation could arise. Not exactly....a doctor who does not...
by neilpilot
Fri Aug 09, 2019 10:40 am
Forum: Personal Consumer Issues
Topic: What to do with expired passports?
Replies: 22
Views: 2644

Re: What to do with expired passports?

Storage cost is most likely low. If it isn't older than 15 years you might want to keep it just in case you want to renew. Link to official website re passport renewals --- https://travel.state.gov/content/travel/en/passports/apply-renew-passport/renew-by-mail.html If your passport is older than 15...
by neilpilot
Thu Aug 08, 2019 9:18 pm
Forum: Personal Investments
Topic: RMD Advice
Replies: 8
Views: 1293

Re: RMD Advice

Make little difference. If it’s not a big amount I’d take it in one annual payment to avoid confusion and simplify the process.
by neilpilot
Tue Aug 06, 2019 7:08 am
Forum: Personal Consumer Issues
Topic: Are you getting rid of your gas appliances?
Replies: 43
Views: 3116

Re: Are you getting rid of your gas appliances?

I’ve used an induction cook top, but have never heard of an “induction stove”.

Will Berkeley also restrict construction of new garages that can store autos? Last I looked the electric utility there was only 47% carbon free, so even electric appliances and ev autos have a carbon footprint.
by neilpilot
Tue Aug 06, 2019 6:47 am
Forum: Personal Consumer Issues
Topic: ways to stay a little cleaner during diy car maintenance
Replies: 39
Views: 2324

Re: ways to stay a little cleaner during diy car maintenance

Take a different approach, and consider not draining your oil. Buy a Mityvac and suck the oil out your dip tube. I first used this method over a decade ago when I learned that that’s how the Mercedes dealer was handling my then new 2002 C240. Have since used this on several other makes, always with ...
by neilpilot
Tue Aug 06, 2019 6:05 am
Forum: Personal Finance (Not Investing)
Topic: Medigap Plan Advice
Replies: 15
Views: 989

Re: Medigap Plan Advice

Not sure this is "The Wisdom", but we decided to go with Plan G, which is all the same as Plan F, except you have to pay the Part B Deductible each year. We ended up with the AARP Plan G that cost less per year than the Part B deductible when compared to Plan F, so we figure we're ahead if we use P...
by neilpilot
Sun Aug 04, 2019 5:07 pm
Forum: Personal Consumer Issues
Topic: Problems with Samsung Refrigerator - Boglehead fix?
Replies: 12
Views: 998

Re: Problems with Samsung Refrigerator - Boglehead fix?

Sounds like the defrost timer is bad. My guess. As an alternative a similar fridge Samsung with what sounds like the same issue. https://us.community.samsung.com/t5/Kitchen-and-Family-Hub/Evaporator-Fan-freezing-RF263BEAESR-French-door-refrigerator/td-p/63478 While the issue is almost definitely in...
by neilpilot
Sat Aug 03, 2019 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: Stand Alone Umbrella Insurance
Replies: 57
Views: 8697

Re: Stand Alone Umbrella Insurance

Reminder....this thread is about Stand Alone Umbrella Insurance. Most who have posted have ignored that distinction.
by neilpilot
Sat Aug 03, 2019 6:31 pm
Forum: Personal Consumer Issues
Topic: how to handle two prepaid credit cards?
Replies: 9
Views: 497

Re: how to handle two prepaid credit cards?

Also, in person you can use both for the same purchase. Just swipe the card with the lowest remaining balance, and then use the other card for the rest.
by neilpilot
Sat Aug 03, 2019 5:07 pm
Forum: Personal Consumer Issues
Topic: my toyota camry transmission life time garantee test
Replies: 14
Views: 1484

Re: my toyota camry transmission life time garantee test

I’m fairly certain your transmission fluid, aka oil, will last the lifetime of your transmission. OTOH your transmission may suffer as a result of your test.
by neilpilot
Sat Aug 03, 2019 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: Long-Term Care Decision
Replies: 330
Views: 15093

Re: Long-Term Care Decision

rgs wrote:
Sat Aug 03, 2019 4:43 pm
"you might want to be taking these decisions (again my view)", that should read you might NOT want (or in a position)to be taking these decisions
Suggest you edit the offending post, and maybe also delete this one.