Search found 285 matches

by spitty
Wed Apr 22, 2020 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Advice - Anesthesiologist threatening collections
Replies: 59
Views: 5929

Re: Advice - Anesthesiologist threatening collections

Most facilities contracting anesthesia groups will insist they become network providers. Why? It's horrible PR when they get 15 calls/week from patients complaining about exorbitant anesthesia bills for a colonoscopy, totally out of line with what the facility/endoscopist negotiated rate is. And $45...
by spitty
Tue Apr 07, 2020 11:05 am
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 269
Views: 35753

Re: Don't pay full price for SiriusXM radio

When renewing via the website can you do so without auto-renewal? They've tried to tell me this is mandatory to get the promo rate.
by spitty
Wed Apr 01, 2020 5:42 am
Forum: Personal Consumer Issues
Topic: Online / Gun Dealer Recommendations
Replies: 73
Views: 6034

Re: Online / Gun Dealer Recommendations

Gunbroker.com is like the Ebay for guns, many dealers selling with feedback on their transactions. I've used it several times. Here's another that is very popular so their service must be excellent though prices are slightly higher: https://www.budsgunshop.com/index.php A few things to watch on Gunb...
by spitty
Mon Mar 30, 2020 6:04 am
Forum: Personal Consumer Issues
Topic: What's worth paying more for?
Replies: 80
Views: 6572

Re: What's worth paying more for?

Good flashlights. Couple days ago I got a Fenix TK 75 and it's amazingly bright. It runs on 4-3500 mah rechargables and comes with a shoulder strap that's very useful since the light is somewhat on the heavy side. We've had a 2-cell Surefire for ten years but it's output doesn't compare.
by spitty
Sat Mar 28, 2020 6:57 am
Forum: Personal Finance (Not Investing)
Topic: RMDs May Not Be Required for 2020
Replies: 135
Views: 8526

Re: RMDs May Not Be Required for 2020

Both of these articles say RMDs from inherited IRAs are not required for 2020. The text of the CARE act is difficult to translate! https://www.forbes.com/sites/ashleaebeling/2020/03/27/congress-suspends-required-minimum-distributions-for-401ks-and-iras-for-2020-opening-window-to-tax-savings/#9e56aff...
by spitty
Thu Feb 27, 2020 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Interviewing for a new job (Anesthesiologists) any tips etc.
Replies: 24
Views: 2931

Re: Interviewing for a new job (Anesthesiologists) any tips etc.

Biggest think in your favor is 23 years in the same practice which means you're well liked and do good work with no horrible malpractice occurrences. The new place will do a background check and look for database entries. In the interview they'll especially want to know how personable you are which ...
by spitty
Tue Feb 25, 2020 7:48 am
Forum: Personal Consumer Issues
Topic: Avis charging for existing damage on rental car
Replies: 111
Views: 7629

Re: Avis charging for existing damage on rental car

Hopefully Avis will find records relating to the previous renter and you'll be off the hook. But it seems unlikely being a small mall operation. If not, just file a claim with Amex and they'll take care of it; make sure to keep your original renter's agreement. Happened to me 2 years ago, only the c...
by spitty
Sun Feb 16, 2020 7:41 am
Forum: Personal Consumer Issues
Topic: Carhartt or Tough Duck jackets
Replies: 19
Views: 1661

Re: Carhartt or Tough Duck jackets

Carhartt, and I suggest one of the styles with zip-on/zip-off hood which is thicker than the built-on style; and there are times you just don't want the hood. The Yukon Extremes quilt lined is what I'd go with today. Think mine is the duck traditional quilt lined and after 10 years of abuse is still...
by spitty
Tue Feb 11, 2020 11:54 am
Forum: Personal Consumer Issues
Topic: What is your most luxury/expensive hobby.
Replies: 264
Views: 19667

Re: What is your most luxury/expensive hobby.

And photo gear - not photography. :-) Now that's funny! Mine aren't too bad comparatively, but this thread could be a bad influence. 1-I ride three Di2 road bikes and thinking about another since the newest is a 2013. If it's a hobby we can spend more on it, lol. 2-Luxury travel once per year. Last...
by spitty
Sat Feb 08, 2020 10:24 am
Forum: Personal Consumer Issues
Topic: The annual "Boglehead considering a country club" thread
Replies: 115
Views: 6891

Re: The annual "Boglehead considering a country club" thread

Pretty cool you can test drive (pun) for two years pre-initiation fee. Since baby's not due till Sept, I say join this season and after a good summer of golf you'll have a good feel for what it's like. Suppose you can always terminate in the fall with minimal damage. Belonging to a club you'll be re...
by spitty
Sat Feb 08, 2020 8:34 am
Forum: Personal Consumer Issues
Topic: What is the best concert you ever witnessed?
Replies: 385
Views: 27391

Re: What is the best concert you ever witnessed?

So many shows here that would have been fantastic to see. And looks like a bunch of old (mostly reformed) hippies in the group too, love it! Here are my notables: Steve Miller Band- 1970 Dallas (his hometown). Our families were good friends in those days so we sat with them. I'd gone to grade school...
by spitty
Thu Feb 06, 2020 7:03 am
Forum: Personal Consumer Issues
Topic: Tick Prevention for Dogs
Replies: 19
Views: 1394

Re: Tick Prevention for Dogs

We've used Frontline for many years, always have several dogs at a time, and have never had an infestation. Prices go up during spring/summer months so winter is best time to buy. We get the largest size (89-132lb dog) and using a syringe, pull out 1.0,1.5, or 2.0cc depending on dog size; it's a mon...
by spitty
Sat Feb 01, 2020 11:52 am
Forum: Investing - Theory, News & General
Topic: Morningstar: "The Best Fund Companies And Their Ratings"
Replies: 17
Views: 1896

Re: Morningstar: "The Best Fund Companies And Their Ratings"

These are "parent ratings", meaning the firms that research stocks and put them together to form mutual funds. So this doesn't include secondary brokerages like TDA, Schwab, Etrade, etc. Sure Schwab has their own index funds but this doesn't appear to qualify them as "parents". IMHO
by spitty
Mon Jan 27, 2020 10:10 pm
Forum: Personal Consumer Issues
Topic: Recommend me a good duffel bag for traveling? Checked luggage
Replies: 17
Views: 1480

Re: Recommend me a good duffel bag for traveling? Checked luggage

We have several Osprey pieces of different sizes. All excellent quality.
by spitty
Fri Jan 24, 2020 11:41 am
Forum: Personal Finance (Not Investing)
Topic: What did you do cool with your money today?
Replies: 125
Views: 10283

Re: What did you do cool with your money today?

Bought a $400. flashlight
$270 on Fenix website and Amazon--am I missing something? Canada?
by spitty
Tue Jan 21, 2020 8:55 am
Forum: Personal Investments
Topic: Principal As 401k Administrator - Feedback, Please
Replies: 51
Views: 2203

Re: Principal As 401k Administrator - Feedback, Please

I was employed 3 years in the 90s and contributed to a 401k managed by Principal. Their quarterly statements gave no details, only balances at quarter start and statement date. As serious investors we all want to know how many shares bought at what price on what date. This leaves room for dishonesty...
by spitty
Tue Jan 21, 2020 7:47 am
Forum: Personal Finance (Not Investing)
Topic: Disadvantages to making my m-i-l taxable acct as a joint acct?
Replies: 10
Views: 1108

Re: Disadvantages to making my m-i-l taxable acct as a joint acct?

Now is a great time to consult with an attorney who specializes in trusts to make sure it's up to date and everything is included that should be. Depending on when her trust was drawn up, there may be many changes that could make a difference upon disbursement. Shouldn't be that expensive since a tr...
by spitty
Mon Jan 20, 2020 8:26 am
Forum: Personal Consumer Issues
Topic: 2020 Lexus RX 350L Advice
Replies: 30
Views: 4701

Re: 2020 Lexus RX 350L Advice

Regarding buying strategies, I'll add a couple of things to consider: 1. Dealer inventory in December was pretty low on the 2020's, as many dealers in my area were trying to clear 2019s. As such, the configuration choices were minimal, as noted by a previous post on this thread. However, this also ...
by spitty
Wed Jan 15, 2020 8:01 am
Forum: Personal Consumer Issues
Topic: Credit Card Question
Replies: 13
Views: 1049

Re: Credit Card Question

A friend has the Capital One "Spark" card which is 2% cash back/no yearly fees. You might compare that to the Citi version if going that route.
by spitty
Wed Jan 15, 2020 7:47 am
Forum: Personal Consumer Issues
Topic: New Refrigerator
Replies: 23
Views: 1845

Re: New Refrigerator

We bought a GE Profile several years ago with extended warranty. Couple years in the ice maker went out and they quickly replaced it. Just after 5 years (6 months past warranty) the compressor died and of course they they wouldn't comp the repair. We replaced it with this one and it's been perfect 5...
by spitty
Sun Jan 12, 2020 8:42 am
Forum: Personal Consumer Issues
Topic: Cancelling surgery last minute?
Replies: 17
Views: 2115

Re: Cancelling surgery last minute?

You said she has a great bio--does that mean a retina fellowship? I'd assume so if your procedure will be more than a laser. If incompetent, her practice wouldn't tolerate the bad PR and hospitals would block her from doing X procedure. You can always call the OR today and speak with somebody on cal...
by spitty
Sat Jan 11, 2020 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard solo401k is very limiting (complaint)
Replies: 10
Views: 719

Re: Vanguard solo401k is very limiting (complaint)

E*Trade sounds like it meets all your needs! If you want another choice, mine was through Ubiquity with all funds held and self-managed at Schwab. We had Roth components and they did allow tIRA rollovers; I don't know about transfer bonuses. I recently retired and we rolled all 401k's to personal IR...
by spitty
Sat Jan 11, 2020 11:31 am
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 625
Views: 32877

Re: What are you listening to now

Dead & Company on Spotify right now, several good live concerts.
by spitty
Mon Jan 06, 2020 7:36 pm
Forum: Personal Investments
Topic: Taxable Muni Bonds [edited to remove all-caps]
Replies: 12
Views: 1196

Re: Taxable Muni Bonds [edited to remove all-caps]

I had looked at BBN but it's a long term fund and the holdings didn't seem to be rated the highest as I recall, so maybe volatile. I chose FMB (First Trust Managed Muni ETF) instead; yield is 2.47% but has a very good rating among peers and highly rated by Morningstar. But it's boring..
by spitty
Mon Jan 06, 2020 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Rollover of current employers Optum bank HSA to Fidelity
Replies: 25
Views: 1430

Re: Rollover of current employers Optum bank HSA to Fidelity

when you did the ACH transfer, did you initiate it on their website (reimburse myself button) or did you call them
Panhead--I did it via their website with just a few clicks. Hopefully your employer wouldn't block you from doing it this way; I was self employed and had no "rules". At least try it!
by spitty
Mon Jan 06, 2020 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Rollover of current employers Optum bank HSA to Fidelity
Replies: 25
Views: 1430

Re: Rollover of current employers Optum bank HSA to Fidelity

I did an ACH transfer from Optum in 2017 (about $75k) to my bank account then immediately on to a new Lively account. No questions asked and no fees. You have 2 months to fund the new account and can do it this way only once per year. And the IRS must be notified via form 8889. I'm assuming the rule...
by spitty
Tue Dec 31, 2019 8:28 am
Forum: Personal Consumer Issues
Topic: Noise Cancelling Headphones
Replies: 20
Views: 1931

Re: Noise Cancelling Headphones

Foam plugs with over-the-ear muffs work well but after 1-2 hours muffs are uncomfortable; either the band over your skull or pressure on your safety glasses arm where it runs along the temple. And if it's cold, sock hats don't work well if you can even get them on. So I prefer just good earplugs sun...
by spitty
Mon Dec 30, 2019 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Vacation Home Before Retirement
Replies: 27
Views: 3170

Re: Vacation Home Before Retirement

but I struggle with the costs / usage until retirement This is why you shouldn't buy now and before you said this my opinion was already "no". Many things can happen financially over 5 years that could make you regret buying. What if there's another 2008-09 collapse? Real estate values will tank as...
by spitty
Sat Dec 28, 2019 6:20 pm
Forum: Personal Consumer Issues
Topic: [Golf] in Orlando
Replies: 18
Views: 1120

Re: Gold in Orlando

There are 4 Disney courses, I've played 3 and they're all very good. Another public course you might like is Falcon's Fire. If you want top of the line, Grand Cypress fits the bill; and a great place to stay too but very expensive. You'll be happy with the Disney courses but it has been almost 10 ye...
by spitty
Sat Dec 28, 2019 1:15 pm
Forum: Personal Investments
Topic: Should I sell my farmland and buy stocks?
Replies: 65
Views: 5318

Re: Should I sell my farmland and buy stocks?

I wouldn't sell either..a nice diversified investment, income easily pays expenses with some leftover, and a good nest egg 20 years from now. If you sell and invest, extra taxable dividends might put you in a higher bracket. And of course the stock market could tank as soon as you invest that new $5...
by spitty
Thu Dec 26, 2019 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Job offer at FAANG for $350k - Declining Offer
Replies: 161
Views: 18459

Re: Job offer at FAANG for $350k

Staying at your present job I don't see how you'll be FI in 10 years. Even if you average $300k x 10 (with raises, bonuses, promotions) you'll still have kids in your pocket. Plus 10 years of home expenses, insurances, and unexpected stuff. How will you allocate investments and how will they do? If ...
by spitty
Fri Dec 20, 2019 7:15 am
Forum: Personal Consumer Issues
Topic: [Peter Jackson’s “They shall not grow old” - streaming on HBO]
Replies: 94
Views: 13447

Re: [Peter Jackson’s “They shall not grow old” - streaming on HBO]

Really worth see in 3D if coming to a theater near you. It was a choice on AA flying to Europe recently.
by spitty
Thu Dec 19, 2019 8:08 am
Forum: Personal Consumer Issues
Topic: Casual slip on shoes
Replies: 25
Views: 2551

Re: Casual slip on shoes

I've had these Merrills for about ten years and would buy again. They're "step-in/step-out" whereas the Jungle Mocs look like you need to grab the loop to get on, a small consideration. I'm amazed at how expensive shoes have gotten; hard to get a pair less than $100.
by spitty
Wed Dec 18, 2019 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: SS and Medicare basic questions
Replies: 14
Views: 1786

Re: SS and Medicare basic questions

I had a similar situation but with a different outcome… our income for year X went above the IRMAA threshold because of the sale of a rental property (capital gains). This led to an IRMAA charge in year X+2. However, I had a “life changing event” in year X+1, actually changing from 2 jobs to 1. So ...
by spitty
Wed Dec 18, 2019 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: SS and Medicare basic questions
Replies: 14
Views: 1786

Re: SS and Medicare basic questions

Good discussion hear so thought I'd throw in my latest experience. We sold some farmland in 2018 resulting in a $150k capital gain. Got my letter from MC a couple weeks ago bumping me up two levels on the IRMAA scale. Since I retired June 30 it seemed worth filing a SSA-44 form to get a hardship red...
by spitty
Wed Dec 18, 2019 9:17 am
Forum: Personal Consumer Issues
Topic: Quality Power-Tool Brands
Replies: 93
Views: 5985

Re: Quality Power-Tool Brands

Lots of Youtube reviews/comparisons on all the brands mentioned. I have a few Milwaukee Fuel M12 pieces and am very happy with them (2351-20 flashlight is amazing). They probably won't pop off lug nuts torqued to 140--you'd need the M18 tools which are pretty expensive to just rotate your tires 1-2x...
by spitty
Wed Dec 18, 2019 9:05 am
Forum: Personal Consumer Issues
Topic: What to expect buying a new 2020 "build your own" BMW
Replies: 40
Views: 3032

Re: What to expect buying a new 2020 "build your own" BMW

I went the ED route in 2012, and have also heard it doesn't give the greatest financial benefit anymore. The experience of sightseeing Germany in your new car is a wonderful experience though. Bimmerfest is the best resource no matter which route you choose. Several salespeople frequent the board an...
by spitty
Wed Dec 18, 2019 8:47 am
Forum: Personal Consumer Issues
Topic: "Safer" places for Spanish immersion experience?
Replies: 84
Views: 7248

Re: "Safer" places for Spanish immersion experience?

We loved Seville so I'd highly recommend it for immersion; it's smaller than Barc or Madrid but with fantastic history. The university has some beautiful buildings. Very safe and walkable without the huge mass of tourists B & M have. DW went out a couple nights alone for photos. Never felt threatene...
by spitty
Sat Dec 07, 2019 7:45 am
Forum: Personal Investments
Topic: VDIGX - Avoid high capital gains distributions, or not?
Replies: 7
Views: 941

Re: VDIGX - Avoid high capital gains distributions, or not?

The market being at such a lofty level, maybe you should consider selling some shares and facing the next IRMAA level. You'll not be happy if the upcoming distribution alone barely throws you into the next highest bracket. And even worse, if there's a big market drop next year your fund value could ...
by spitty
Fri Dec 06, 2019 8:13 am
Forum: Personal Consumer Issues
Topic: Home maintenance tasks
Replies: 31
Views: 3427

Re: Home maintenance tasks

Also if you Google garage door lubricants you typically find that "light-duty lubricants, such as WD-40, are only suitable for cleaning the tracks of an automatic garage door. Because an overhead garage door opener has a heavy workload, a sturdier lubricant than WD-40, such as silicon spray or moto...
by spitty
Thu Dec 05, 2019 8:08 am
Forum: Personal Consumer Issues
Topic: Home maintenance tasks
Replies: 31
Views: 3427

Re: Home maintenance tasks

Treat the working parts of your garage doors 1-2x per year; this time I used WD-40 gel spray hoping it sticks a bit longer ($9 at Walmart). Past I've always used what the local Overhead Door place sells..they say it's non-silicone based and lasts longer. YMMV! Anyway, spray the spring heavily, top a...
by spitty
Fri Nov 29, 2019 5:04 pm
Forum: Personal Consumer Issues
Topic: Best Albums of 2019
Replies: 41
Views: 4063

Re: Best Albums of 2019

Wade Bowen/Randy Rogers live
Cody Jinks
Townes Van Zandt - recorded in 1973, just released
Neil Young - a 1973 live show (Tuscaloosa) plus a studio album..his 39th (Colorado)
Justin Townes Earle
by spitty
Wed Nov 27, 2019 2:46 pm
Forum: Personal Consumer Issues
Topic: New Phone Scam - Up A Notch
Replies: 59
Views: 5254

Re: New Phone Scam - Up A Notch

I've gotten two of these doom n' gloom calls from "SSA", last one was on Labor Day so not very good planning by the perp. That was a good chuckle!
by spitty
Sat Nov 23, 2019 7:50 am
Forum: Personal Consumer Issues
Topic: Getting text messages (spam?) offering to buy my home
Replies: 25
Views: 2323

Re: Getting text messages (spam?) offering to buy my home

Anyone else getting these? How'd they get your number--maybe from adds you've posted? Appears you don't get these calls on your primary home. We've owned an AZ condo for 14 years and have never gotten these calls/texts until we remodeled last year. Now I get several/week and DW gets 2-3/month and w...
by spitty
Fri Nov 22, 2019 7:56 am
Forum: Personal Consumer Issues
Topic: Fort Lauderdale Area vacation
Replies: 12
Views: 1183

Re: Fort Lauderdale Area vacation

What did you like about your location?
A great boardwalk to walk/run and the ocean was clear, clean and swimable..probably too cold at the time you're going though.
by spitty
Thu Nov 21, 2019 11:12 am
Forum: Personal Consumer Issues
Topic: Brake Fluid Theatrics Upsetting, Honda Accord
Replies: 21
Views: 2861

Re: Brake Fluid Theatrics Upsetting, Honda Accord

Brake fluid color is subjective and doesn't mean much; if they were really concerned and wanted to help you, they would have checked the moisture content. Very quick and easy to test and many tools available for DIY if interested: https://www.amazon.com/PTE-Tester-Calibrated-Brake-fluids/dp/B005HVG4...
by spitty
Thu Nov 21, 2019 8:10 am
Forum: Personal Consumer Issues
Topic: Fort Lauderdale Area vacation
Replies: 12
Views: 1183

Re: Fort Lauderdale Area vacation

I really liked Hollywood Beach. A nice Marriott there, but I bet lots of VRBO rentals that time of year as snowbirds are leaving. BTW if picking up a rental car at the airport make sure they don't charge you for the tollway pass unless you need it. They sneaked that one in on me once!
by spitty
Thu Nov 21, 2019 8:02 am
Forum: Personal Consumer Issues
Topic: Year in Europe (location advice)
Replies: 34
Views: 2555

Re: Year in Europe (location advice)

If Spain, consider Seville; it's farther South so a better winter climate than Barc. It's a beautiful, clean city with amazing history--and less populated. We met an American lady there who winters in Faro, Portugal, saying it has a significant USA population and of course right on the ocean.
by spitty
Sat Nov 16, 2019 6:53 am
Forum: Personal Consumer Issues
Topic: Cheapest long term car rental or other solution?
Replies: 11
Views: 1272

Re: Cheapest long term car rental or other solution?

Maybe ship your car out there? No idea what it costs but I'd look into it before renting 4 months.
by spitty
Mon Nov 11, 2019 10:59 am
Forum: Personal Consumer Issues
Topic: Saving seats on Southwest
Replies: 210
Views: 12357

Re: Saving seats on Southwest

Having the VISA card, I fly SW a lot and have never confronted a seat saver and haven't even seen it much. Flying solo it's not difficult to get a window/aisle seat if you're A or B group. I'd never pay for early boarding unless I had a tight connection to make: I suspect lots of folks with no conne...