Search found 861 matches

by Swansea
Mon May 25, 2020 12:27 pm
Forum: Personal Investments
Topic: TSP and 401(k) Asset Allocation Questions & Review
Replies: 8
Views: 685

Re: TSP and 401(k) Asset Allocation Questions & Review

A change to broaden the I (international) fund has been proposed, but is currently on hold. "Board defers action on I Fund transition — (May 13, 2020) Due to a meaningfully different economic environment related in large part to the impact of the global COVID-19 pandemic, as well as the nomination o...
by Swansea
Wed May 20, 2020 10:16 am
Forum: Personal Consumer Issues
Topic: Do you give mechanics 2nd (3rd) chances?
Replies: 22
Views: 1614

Re: Do you give mechanics 2nd (3rd) chances?

Was the belt tensioner checked? The url below may help in the search for a new mechanic.

https://www.bimmershops.com
by Swansea
Tue May 19, 2020 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Any resources on Reduction in Force procedures for Federal Employees?
Replies: 14
Views: 1197

Re: Any resources on Reduction in Force procedures for Federal Employees?

There is a good explanation of competitive level codes in the url below. Agencies preparing to RIF usually offer buy outs first.
https://ask.fedweek.com/federal-governm ... -in-force/
by Swansea
Tue May 19, 2020 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Any resources on Reduction in Force procedures for Federal Employees?
Replies: 14
Views: 1197

Re: Any resources on Reduction in Force procedures for Federal Employees?

This is a very complicated procedure. Lots of mistakes can happen. Check on your Competitive level, ie, scope of the organization affected, bigger is better with more chances for placement. As I remember it, a good time ago, there are employees placed into 3 tiers by apt. type and there are two sub ...
by Swansea
Mon May 18, 2020 7:53 am
Forum: Personal Consumer Issues
Topic: Reel Grass Mower
Replies: 36
Views: 1871

Re: Reel Grass Mower

I had a self propelled reel mower back in the 60s. I find they do a better job than a rotary as far as quality of the cut.
by Swansea
Sat May 16, 2020 1:40 pm
Forum: Personal Consumer Issues
Topic: How did you feel after giving notice to retire?
Replies: 52
Views: 4293

Re: How did you feel after giving notice to retire?

No regrets, whatsoever. I had planned well for years. My duties had changed and workload increased as staff was not replace. Also, I had a consulting job waiting with flexible hours, and more time for my volunteer work. That was 15 years ago.
by Swansea
Wed May 13, 2020 1:17 pm
Forum: Personal Consumer Issues
Topic: Dentist charges $10 for PPE
Replies: 234
Views: 10795

Re: Dentist charges $10 for PPE

That's interesting, and there's been lots of discussion among the dental community. Some have talked about adding a surcharge, but this is the first time I've actually heard of it being done. I don't know if it's actually OK to do, but there's lots of unknowns right now. My wife is the dental direc...
by Swansea
Tue Apr 28, 2020 6:31 am
Forum: Personal Finance (Not Investing)
Topic: Refund My FERS Pension? (Fed)
Replies: 12
Views: 1176

Re: Refund My FERS Pension? (Fed)

It's too early to consider withdrawing the FERS pension, you should wait until you've been in the private sector for 2 to 5 years to see if the private sector is "better", many people find that it is not. I agree re waiting a bit before withdrawing FERS contributions. If one does withdraw them and ...
by Swansea
Fri Apr 24, 2020 12:14 pm
Forum: Personal Consumer Issues
Topic: Ridiculous HVAC Duct cleaning quote
Replies: 51
Views: 4710

Re: Ridiculous HVAC Duct cleaning quote

My previous HVAC company twice tried to sell up about 5K in extra bells and whistles. Once part of the package was a whole house dehumidifier. My home has AC and the basement does well with the portable dehumidifier. I suspect the tech would have earned a substantial commission.
by Swansea
Thu Apr 23, 2020 9:32 am
Forum: Personal Consumer Issues
Topic: House Cleaning and Covid
Replies: 24
Views: 2320

Re: House Cleaning and Covid

Probably good to evaluate the contacts of the housekeeper and possible exposure. Mine lives in one of the 5 highest counties of the state and has a large family residing in an apartment bldg.
by Swansea
Thu Apr 23, 2020 7:24 am
Forum: Personal Finance (Not Investing)
Topic: Best Covid19 resistant job
Replies: 154
Views: 9612

Re: Best Covid19 resistant job

Bus driver on the route going by my house. Total number of passengers on the last 20+ trips, 1, and passengers must board from the side and can not get within 15 feet of the driver due to a barrier...
by Swansea
Wed Apr 22, 2020 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Exit Interview
Replies: 78
Views: 5765

Re: Exit Interview

As an HR Officer I used to conduct exit interviews. Then I stopped doing them as any feedback to management was never acted upon, so I was waisting my time and the departing employee's time.
Best way to go out is quietly, if you want to vent, do so outside the organization.
by Swansea
Wed Apr 22, 2020 10:39 am
Forum: Personal Consumer Issues
Topic: BMW X5 - advice on purchase
Replies: 49
Views: 2937

Re: BMW X5 - advice on purchase

Don’t buy one. Maintenance on these vehicles is EXPENSIVE! My friend is a service writer for BMW, he would not own one outside of working for the dealership. +1 electrical problems are huge issue after 75k miles. If leasing maybe.... BMWs typically don’t have electrical issues. I’ve had 4, 3 of the...
by Swansea
Sat Apr 18, 2020 12:17 pm
Forum: Personal Investments
Topic: owning individual stocks in your IRA
Replies: 8
Views: 388

Re: owning individual stocks in your IRA

Former Washington Post columnist, James Glassman, once recommended a fun and games account. It was something like only 10% of your holdings would be individual stocks, money you can afford to lose, and a recommendation to evaluate your performance on a regular basis. A Google search would you additi...
by Swansea
Wed Apr 15, 2020 4:56 am
Forum: Personal Consumer Issues
Topic: DIY Car Maintenance - Anyone grease the chassis?
Replies: 25
Views: 1318

Re: DIY Car Maintenance - Anyone grease the chassis?

After you're done greasing the zerk fittings don't forget to get out your timing light to adjust the timing and also set the points on your distributor. +1 File the points before gapping .032 with a flat feeler gauge. Adjust idle on both of the Holley dual quad carbs. Still have a Peske timing ligh...
by Swansea
Sun Apr 12, 2020 6:45 am
Forum: Personal Consumer Issues
Topic: Yokohama vs Arizonian Tires
Replies: 11
Views: 949

Re: Yokohama vs Arizonian Tires

tirerack.com has a good tool where you enter your car's specifics and your driving specifics and gives recommendations.
by Swansea
Fri Apr 10, 2020 11:49 am
Forum: Personal Consumer Issues
Topic: What Non-Finance Forums?
Replies: 19
Views: 1542

Re: What Non-Finance Forums?

Bimmerfest (BMW) or other care forum of your choice
by Swansea
Thu Apr 09, 2020 12:00 pm
Forum: Personal Consumer Issues
Topic: Haven't filled up my car in over a month - any issues?
Replies: 11
Views: 1177

Re: Haven't filled up my car in over a month - any issues?

Newer cars don’t leak power like older cars, so the battery is probably fine. If your in a very cold climate it’s good to keep the fuel tank full to avoid condensation. Other than those two things though, it might be nice to go out for a drive just for pure enjoyment. Traffic is moderate these days...
by Swansea
Thu Apr 09, 2020 5:24 am
Forum: Personal Consumer Issues
Topic: Best way to keep small birds out of gutter
Replies: 19
Views: 1055

Re: Best way to keep small birds out of gutter

I'm guessing you are having problems with birds messing up the deck below? I can't imagine another scenario that makes much sense. Seems like you are going to have to some motion devices to keep them scared away or create another area more attractive to them. It could be worse. I have the same issu...
by Swansea
Mon Apr 06, 2020 9:29 am
Forum: Personal Consumer Issues
Topic: Gas stabilizer and Covid 19
Replies: 34
Views: 2764

Re: Gas stabilizer and Covid 19

runner3081 wrote:
Mon Apr 06, 2020 9:26 am
Just get out and drive once a week, you will be fine. Nothing wrong with taking a long drive to nowhere these days.

Worst case, buy a trickle charger on Amazon to make sure the battery is good.
I favor a battery tender, as it stops charging when the battery is back to full capacity.
by Swansea
Sun Apr 05, 2020 4:14 pm
Forum: Personal Consumer Issues
Topic: good books on lawn care for beginners?
Replies: 25
Views: 1467

Re: good books on lawn care for beginners?

Check and see if you county/state has an extension service. I've found mine to be very helpful.
by Swansea
Sun Apr 05, 2020 1:38 pm
Forum: Personal Consumer Issues
Topic: Charity during the pandemic
Replies: 73
Views: 4460

Re: Charity during the pandemic

I am making my normal monthly contributions per usual, and intend to stay the course.
by Swansea
Sun Apr 05, 2020 11:06 am
Forum: Personal Consumer Issues
Topic: What are you doing for haircuts due to coronavirus shutdown?
Replies: 254
Views: 20114

Re: What are you doing for haircuts due to coronavirus shutdown?

I'm going to revert to my hairstyle of the 60s.
by Swansea
Thu Apr 02, 2020 7:06 am
Forum: Personal Consumer Issues
Topic: How to "Reverse" an Exterior Door Pet Door Piece?
Replies: 14
Views: 884

Re: How to "Reverse" an Exterior Door Pet Door Piece?

I advise re-thinking using a doggy door at all, as pet safety can be compromised. The two rescue groups with which I volunteered would not adopt if there was a doggy door at the home. Is the above mention of a 4-legged intruder the reason? Interesting. Just a secondary reason. Doggie doors create a...
by Swansea
Tue Mar 31, 2020 6:56 am
Forum: Personal Consumer Issues
Topic: wide lace up work boots
Replies: 8
Views: 603

Re: wide lace up work boots

I am 4E and my Timberland boots are a good fit.
by Swansea
Tue Mar 31, 2020 5:21 am
Forum: Personal Consumer Issues
Topic: How to "Reverse" an Exterior Door Pet Door Piece?
Replies: 14
Views: 884

Re: How to "Reverse" an Exterior Door Pet Door Piece?

I advise re-thinking using a doggy door at all, as pet safety can be compromised. The two rescue groups with which I volunteered would not adopt if there was a doggy door at the home.
by Swansea
Mon Mar 30, 2020 10:44 am
Forum: Personal Consumer Issues
Topic: Car Wheel Cleaner Spray
Replies: 9
Views: 697

Re: Car Wheel Cleaner Spray

onourway wrote:
Mon Mar 30, 2020 10:20 am
Sonax Full Effect works far better than anything I've ever found in a local retailer.
+1 on Sonax
by Swansea
Sun Mar 29, 2020 7:43 am
Forum: Personal Consumer Issues
Topic: Chewy pet food delivery
Replies: 26
Views: 1961

Re: Chewy pet food delivery

I ordered Tuesday and they shipped the entire order this morning/last night. It's 6:30 Sunday morning here, so they are working hard. The order was mostly Primal freeze dried food and Wellness snacks, etc. He's only 22# and doesn't eat too much. Good intelligence...I ordered on Wed., so hopefully w...
by Swansea
Sat Mar 28, 2020 1:16 pm
Forum: Personal Consumer Issues
Topic: What Happens To Your Battery When Your Car Is Parked For Weeks?
Replies: 90
Views: 4729

Re: What to do with my cars during Corona Lockdown

When it's time to get a new battery, go with an AGM...much better for the newer cars and their electronics.
by Swansea
Fri Mar 27, 2020 10:56 am
Forum: Personal Consumer Issues
Topic: Ticks/Lyme/Prevention?
Replies: 19
Views: 971

Re: Ticks/Lyme/Prevention?

CDC recommends a spray with deet. I've used Off Deep Woods for years and never had a tick issue. Also, tuck your pants into your boots, then wash clothes in hot water once you get home.
by Swansea
Fri Mar 27, 2020 9:13 am
Forum: Personal Consumer Issues
Topic: Chewy pet food delivery
Replies: 26
Views: 1961

Re: Chewy pet food delivery

My food order was on the 25th in the am, still no notice that it has shipped.
by Swansea
Thu Mar 26, 2020 5:46 am
Forum: Personal Finance (Not Investing)
Topic: How can I figure out if my accountant reported my qualified dividends correctly?
Replies: 18
Views: 933

Re: How can I figure out if my accountant reported my qualified dividends correctly?

It goes on that line in the 1040 and is then treated appropriately in the tax tables, this is not the kind of thing shown in a worksheet. If you want to check your accountant's work, mock it up in hr block or your preferred tax software. I believe not. The taxes are calculated using the capital gai...
by Swansea
Tue Mar 24, 2020 12:32 pm
Forum: Personal Consumer Issues
Topic: Chewy pet food delivery
Replies: 26
Views: 1961

Chewy pet food delivery

They have posted that there will be delays in shipping. I normally get delivery around 2 to 3 days after ordering. Has anyone experienced delays recently, and if so, for how long?
by Swansea
Thu Mar 19, 2020 1:01 pm
Forum: Personal Consumer Issues
Topic: What Happens To Your Battery When Your Car Is Parked For Weeks?
Replies: 90
Views: 4729

Re: What Happens To Your Battery When Your Car Is Parked For Weeks?

neglogic wrote:
Thu Mar 19, 2020 7:26 am
At some point, your gas may go stale also if you really aren't driving that much.
You can add a gas stabilizer.
by Swansea
Thu Mar 19, 2020 11:37 am
Forum: Personal Consumer Issues
Topic: Large Flashlight?
Replies: 29
Views: 1706

Re: Large Flashlight?

4 battery Mag-Lite. I have two of them, durable and beam is adjustable. They have a nice heft to them.
by Swansea
Sat Mar 14, 2020 5:48 am
Forum: Personal Consumer Issues
Topic: Are you still going to the gym ...
Replies: 210
Views: 12390

Re: Are you still going to the gym ...

My gym was sparsely attended the last two days. No visible signs than any extra cleaning, etc is going on.
With only 3 or so confirmed cases in my county of a million people, I feel ok going through my usual routine
by Swansea
Wed Mar 04, 2020 8:35 am
Forum: Personal Consumer Issues
Topic: Protection Against Home Intruders
Replies: 387
Views: 27265

Re: Protection Against Home Intruders

We had a serious incident not far from me. White van pulled up and parked on the street, a man dressed in a brown like uniform carrying a package, rang the home door bell. When the woman opened it, he forced his way inside carrying a gun. He pistoled whipped another occupant, then ran to the van and...
by Swansea
Tue Mar 03, 2020 6:12 am
Forum: Personal Consumer Issues
Topic: Any experience with artificial turf for dogs?
Replies: 10
Views: 847

Re: Any experience with artificial turf for dogs?

Sandtrap wrote:
Mon Mar 02, 2020 3:25 pm
What about pavers, concrete slab, flat stone, etc?
Easier to wash down, de-smell, disinfect, etc.
And, definitely long lasting.

j :happy
I had thought about hardscape at the foot of my deck, but my 100 lb dog leaps down the stairs and hardscape would be tough on his joints.
by Swansea
Wed Feb 26, 2020 6:05 am
Forum: Personal Investments
Topic: TSP G Fund and 2050 Target Fund Allocation Question
Replies: 12
Views: 1092

Re: TSP G Fund and 2050 Target Fund Allocation Question

Your situation is different from many today as you will earn a FERS pension. Taking that into consideration, I would go 100% into the 2050 fund.
I was 100% stock up until my mid 50s as I looked forward to a CSRS pension (admittedly more generous than FERS).
by Swansea
Tue Feb 25, 2020 8:27 am
Forum: Personal Consumer Issues
Topic: Do you ever use cash?
Replies: 228
Views: 13448

Re: Do you ever use cash?

Paying the housekeeper...I noticed she was using a check cashing service, so this way she avoids the fee.
by Swansea
Tue Feb 25, 2020 6:10 am
Forum: Personal Finance (Not Investing)
Topic: Let's talk cash out refi's
Replies: 11
Views: 1344

Re: Let's talk cash out refi's

If you itemize deductions, you will not be able to write off the entire interest on the loan since the 15 to 20K must be subtracted.
Full disclosure: I am not a tax professional, but did research IRS pubs on this issue.
by Swansea
Sun Feb 23, 2020 11:10 am
Forum: Personal Consumer Issues
Topic: Relocating back east / Fair Lawn, NJ / Are we crazy?
Replies: 104
Views: 6476

Re: Relocating back east / Fair Lawn, NJ / Are we crazy?

NJ is one of the highest states measured by exodus of people relocating. The reasons for many are the tax burden and fiscal stability of the state. Just something to consider.
by Swansea
Sat Feb 22, 2020 6:22 am
Forum: Personal Consumer Issues
Topic: Perform own oil change pros & cons?
Replies: 224
Views: 11120

Re: Perform own oil change pros & cons?

Thanks, I did not know about the 100% versus full synthetic issue. I've now been specifying Valvoline SynPower SAE 5W-30 which is recommended by the manufacturer...searched to see if it was 100% synthetic, but came up without an answer. According to the MSDS, it's a hycrocracked Group III base oil....
by Swansea
Fri Feb 21, 2020 3:39 pm
Forum: Personal Consumer Issues
Topic: Perform own oil change pros & cons?
Replies: 224
Views: 11120

Re: Perform own oil change pros & cons?

One advantage is that you know what oil is actually being put in your car. I have twin turbos, so need full synthetic and so instructed my long time mechanic to use full synthetic. Found out he was putting in a synthetic blend. You probably want to specify "100% Synthetic" rather than "Full Synthet...
by Swansea
Fri Feb 21, 2020 12:58 pm
Forum: Personal Consumer Issues
Topic: Perform own oil change pros & cons?
Replies: 224
Views: 11120

Re: Perform own oil change pros & cons?

One advantage is that you know what oil is actually being put in your car. I have twin turbos, so need full synthetic and so instructed my long time mechanic to use full synthetic.
Found out he was putting in a synthetic blend.
by Swansea
Thu Feb 20, 2020 6:36 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Options FEHB Vs Original Medicare Vs Medicare Advantage
Replies: 37
Views: 2020

Re: Medicare Options FEHB Vs Original Medicare Vs Medicare Advantage

How much more is the Standard BCBS in your area? If affordable, it wold provide greater flexibility in providers if necessary. Also, are costs such that Medicare B pays for itself? I tried it for two years, then stopped.
by Swansea
Sun Feb 16, 2020 3:39 pm
Forum: Personal Consumer Issues
Topic: Recommendation for battery-powered fire alarm (not hardwired)
Replies: 14
Views: 869

Re: Recommendation for battery-powered fire alarm (not hardwired)

You may wish to check with your local government agency about any requirements for landlords to install alarms in rental units.
by Swansea
Tue Feb 11, 2020 2:38 pm
Forum: Personal Consumer Issues
Topic: Tires for older, lower annual mileage cars?
Replies: 55
Views: 2879

Re: Tires for older, lower annual mileage cars?

Go to TireRack.com and use their tire selector guide. You can enter mileage, price, wet traction, etc.
by Swansea
Mon Feb 10, 2020 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Fun Side Income in Retirement?
Replies: 50
Views: 4279

Re: Fun Side Income in Retirement?

My problem is that most paying activities require specific time commitments. Even volunteering has the same issue - they want me to volunteer "every Tuesday" or some such thing. Keep lookin for other volunteer opportunities. The groups I've volunteered with are happy and grateful for whatever time ...