Search found 139 matches

by spitty
Sun Sep 16, 2018 8:04 am
Forum: Personal Consumer Issues
Topic: Should I sell my MacBook pro?
Replies: 18
Views: 1515

Re: Should I sell my MacBook pro?

Probably should sell--value will just go down the longer you wait. Apple will buy it back and instructions on wiping it clean are on their website; I bet they only give store credit and not cash. Someone recently mentioned: https://www.macmeanoffer.com/ Looks straightforward and prices (in cash) are...
by spitty
Sun Sep 16, 2018 7:53 am
Forum: Personal Consumer Issues
Topic: Rain Jacket recommendations and care
Replies: 32
Views: 2293

Re: Rain Jacket recommendations and care

https://www.backcountry.com/arc-teryx-b ... c00rz?rr=t

Here's the one I got a few years ago--not cheap but 100% dry protection and very well made. None of the Gortex products are real breathable otherwise they'd allow moisture in..my experience anyway.
by spitty
Thu Sep 13, 2018 3:46 pm
Forum: Personal Consumer Issues
Topic: I need a chainsaw to trim branches and limbs!!
Replies: 90
Views: 3801

Re: I need a chainsaw to trim branches and limbs!!

You don't have that much work on 1/2 acre that would justify a chainsaw so I'd start with a manual pole saw--mine's a Jameson 17"blade with 6' extension. It's fast and easy to use especially without the extension; about $100 from Bailey's. It has never needed sharpening and it's safe. You'll have ma...
by spitty
Fri Aug 24, 2018 8:12 am
Forum: Personal Consumer Issues
Topic: Short Term Health Insurance regulation changes - good for age 62 retirement?
Replies: 82
Views: 4102

Re: Short Term Health Insurance regulation changes - good for age 62 retirement?

You are correct nisiprius--the company was Tokio Marine and they still have an AM Best A++ rating. My first impression was health insurance one would find on Ebay! There are several choices on ehealthinsurance so each buyer needs to evaluate considering one's health, activities and company rating.
by spitty
Fri Aug 24, 2018 6:53 am
Forum: Personal Consumer Issues
Topic: Short Term Health Insurance regulation changes - good for age 62 retirement?
Replies: 82
Views: 4102

Re: Short Term Health Insurance regulation changes - good for age 62 retirement?

I bought a 6 month policy as a bridge to Medicare last year at https://www.ehealthinsurance.com/. It was cheap and high deductible, sorta like an emergency plan--luckily didn't have to use it. I had to pay a small "no ACA" penalty but that was a minor fee compared to avoiding 6 months of ridiculous ...
by spitty
Fri Aug 24, 2018 6:37 am
Forum: Personal Consumer Issues
Topic: $65K Fun Daily Driver
Replies: 112
Views: 8484

Re: $65K Fun Daily Driver

OP, if you do sell your 911tt be aware it's worth a premium since it's a 6MT which isn't made anymore. Rennlist would be a good place to start both looking at the classifieds and asking the group for a value number. Sold mine there a few years ago in 24 hrs.
by spitty
Mon Jul 30, 2018 1:37 pm
Forum: Personal Consumer Issues
Topic: Kitchen sink (faucet)
Replies: 10
Views: 943

Re: Kitchen sink (faucet)

OP--we remodeled our kitchen about 5 years ago, and having low water pressure this was my concern also. So I called Kohler tech support and they said if the aerator was too restrictive they'd send another free of charge. Turns out the faucet was (and still is) perfect out of the box. Model we have i...
by spitty
Thu Jun 14, 2018 6:49 am
Forum: Personal Consumer Issues
Topic: Documentaries to recommend?
Replies: 158
Views: 25464

Re: Documentaries to recommend?

Prohibition and Vietnam--both PBS documentary series by Ken Burns. HBO's Real Sports--we haven't missed an episode since it started.
by spitty
Tue May 29, 2018 5:11 am
Forum: Personal Consumer Issues
Topic: Near commercial level treadmill
Replies: 36
Views: 3100

Re: Near commercial level treadmill

Tacx now makes a bicycle treadmill that's uber expensive (about $9) but OP is asking about commercial grade:

https://www.youtube.com/watch?v=vVLls05qzV4

We have a Landice and it's bullet proof after 8 years.
by spitty
Tue May 29, 2018 4:56 am
Forum: Personal Consumer Issues
Topic: Best brand of appliances for new condo
Replies: 21
Views: 2356

Re: Best brand of appliances for new condo

I agree with Costco--we just bought 3 Samsung appliances for our vaca condo and using the Citi VISA added 2 more years to the warranty. So 4 years total since Costco doubles the factory basic 1 year warranty anyway. Includes delivery, installation and "haul away" plus a $300 Costco gift card just fo...
by spitty
Thu May 03, 2018 7:22 am
Forum: Personal Consumer Issues
Topic: Should reliability rankings eliminate Jeep Grand Cherokee?
Replies: 91
Views: 7074

Re: Should reliability rankings eliminate Jeep Grand Cherokee?

Here's a link to extended warranty purchase as recommended on several Jeep forums: http://www.chryslerfactoryplans.com/ I've not used it but apparently much cheaper than dealer sells for. Of course if you have a favorite dealer you can challenge them to meet or beat. Since you're looking at a 2016 I...
by spitty
Fri Apr 27, 2018 9:22 am
Forum: Personal Consumer Issues
Topic: Extended Warranty for Honda Odyssey - worth it?
Replies: 23
Views: 3679

Re: Extended Warranty for Honda Odyssey - worth it?

Have you ever bought one before? If not, say you've bought 10 vehicles and saved $1500/each by not buying--that's a nest egg of maybe $25,000 invested by now. There's your post-warranty repair fund; I've never bought one and not had any repairs making me wish I had. http://www.businessinsider.com/te...
by spitty
Wed Apr 25, 2018 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Lump sum inherited IRA make estimate tax payment?
Replies: 9
Views: 670

Re: Lump sum inherited IRA make estimate tax payment?

Can you set this up in your name as a "beneficiary IRA"? If so you need only pay tax on the small amount you're required to take out each year based on your life expectancy. This spreads the tax hit out over many years so it's not as painful and the account can really grow into a nice nest egg--tax-...
by spitty
Sun Apr 22, 2018 7:42 am
Forum: Personal Consumer Issues
Topic: How much off MSRP should one expect?
Replies: 23
Views: 2899

Re: How much off MSRP should one expect?

Just came across this article--interesting and appropriate to this thread:

https://cars.usnews.com/cars-trucks/wha ... oice-price
by spitty
Sat Apr 21, 2018 11:02 am
Forum: Personal Consumer Issues
Topic: Mowing with a ZTR - sharpening blades
Replies: 22
Views: 1759

Re: Mowing with a ZTR - sharpening blades

That looks like a perfect sized mower for your 3 acres. I'd run it up on some cheap auto ramps and buzz the blades off with an air impact wrench--mine is a JD 997 ztrak and that works great. I lay a 2x4 across the garage door opening so the ramps don't slide forward as the mower goes up plus some 2x...
by spitty
Sun Apr 15, 2018 1:34 pm
Forum: Personal Consumer Issues
Topic: Lessons learned with Booking.com and VRBO
Replies: 13
Views: 3247

Re: Lessons learned with Booking.com and VRBO

That's sad you lost money when your booking was canceled; surely you appealed to VRBO but they decided to hose you--amazing! I've lost interest in them the past couple years for a few reasons. Prices per night seem to be going up rapidly, "cleaning fees" are outrageous, and deposits are high--dollar...
by spitty
Sat Apr 14, 2018 5:03 am
Forum: Personal Consumer Issues
Topic: Cedar Fence: is Maintenance required?
Replies: 30
Views: 2438

Re: Cedar Fence: is Maintenance required?

Regarding stain, choose an oil based product so it lasts longer--we use Cabot. They make different shades, so pick your color. Our house and two outbuildings are cedar siding and we treat every 5-7 years depending on sun exposure. Before getting smart we used Thompsons Wood Protector which just does...
by spitty
Sun Mar 11, 2018 7:49 am
Forum: Personal Consumer Issues
Topic: Chain Saw pruner or Pole Saw?
Replies: 24
Views: 2189

Re: Chain Saw pruner or Pole Saw?

125 oakes/2acres is thick--bet you're easy on mower blades! I'd say just rent a Stihl pole saw (or equivalent) every few years and do the smaller yearly trims with a manual type. Mine is a Jameson from Bailey's and cost about $110. Works great. Stihl stuff is expensive and requires upkeep; I just wo...
by spitty
Sat Feb 24, 2018 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Reporting Solo 401k Employee Roth contributions on taxes
Replies: 11
Views: 536

Re: Reporting Solo 401k Employee Roth contributions on taxes

It is >= $250K and Form 5500-EZ has nothing to do with your personal tax return. Sorry about mis-info on the threshhold--I just download and file when I think about it during tax season. And been doing it long enough I'd forgotten the trigger amount.There's no designation between Roth and profit-sh...
by spitty
Sat Feb 24, 2018 8:10 am
Forum: Personal Consumer Issues
Topic: Favorite socks?
Replies: 83
Views: 6241

Re: Favorite socks?

I picked these up at Costco couple months ago. Very comfortable and great price but only come in black:

https://www.costco.com/Weatherproof-Men ... 62051.html
by spitty
Fri Feb 23, 2018 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Reporting Solo 401k Employee Roth contributions on taxes
Replies: 11
Views: 536

Re: Reporting Solo 401k Employee Roth contributions on taxes

You do need to file form 5500EZ if year end 401k value is $500,000+
by spitty
Tue Feb 20, 2018 9:01 pm
Forum: Investing - Theory, News & General
Topic: Anyone using Optum Bank for HSA?
Replies: 29
Views: 5528

Re: Anyone using Optum Bank for HSA?

I was assigned to Optum a few years ago after US Bank dropped out of the HSA biz. With the transfer I was given about a dozen fund choices, all with high fees and less than "optum" (pun) track records. Tried several times calling them unsuccessfully after hearing VG funds were offered to others. So ...
by spitty
Tue Feb 13, 2018 2:44 pm
Forum: Investing - Theory, News & General
Topic: Has Seeking Alpha Become Worthless?
Replies: 29
Views: 6857

Re: Has Seeking Alpha Become Worthless?

I use the "news360" app for iphone and it provides tons of S.A. articles, with many new ones daily--and free! Not sure how many more could be found on the website, pay or no-pay, but lots of good stuff via the app.
by spitty
Sat Feb 10, 2018 11:04 pm
Forum: Personal Consumer Issues
Topic: Good Hotel in DC
Replies: 46
Views: 3800

Re: Good Hotel in DC

You didn't mention a budget, but to stay a little cheaper check out the Hotel Americana on the VA side. Very nice and most rooms were remodeled several years ago. Easy walk to either Pentagon City or Crystal City metro station--and even a Costco a few blocks away. I walked through a Marriott just do...
by spitty
Sat Jan 27, 2018 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: solo 401k advice
Replies: 6
Views: 570

Re: solo 401k advice

Thanks for the headsup JamesSFO! I don't have any dealings with them other than getting a yearly invoice--hopefully they're doing all the required paperwork correctly; I do the yearly 5500EZ. All monies are with Schwab x 10 years and U has no access to those accounts. Sorry to hear you had bad luck ...
by spitty
Sat Jan 27, 2018 7:49 am
Forum: Personal Finance (Not Investing)
Topic: solo 401k advice
Replies: 6
Views: 570

Re: solo 401k advice

We set ours up through Ubiquity in order to have the Roth components and all 4 sub accounts are held at Schwab (DW & I). The yearly fee is $215 which I don't love but at least it's deductible. I'm sure there are cheaper/free options to get the Roth part but in 2007 there weren't.
by spitty
Wed Jan 24, 2018 1:06 pm
Forum: Personal Consumer Issues
Topic: Buying This Week: IPhone X or IPhone 8 Plus
Replies: 35
Views: 3692

Re: Buying This Week: IPhone X or IPhone 8 Plus

Here's a good thread from macrumors: https://forums.macrumors.com/threads/what-some-reasons-the-iphone-8-plus-is-better-than-the-x.2100241/ And maybe X being canceled: https://www.forbes.com/sites/gordonkelly/2018/01/21/apple-iphone-x-buy-sales-specs-new-iphone-release-date/#21a1a2210cbd Seems many ...
by spitty
Sat Jan 20, 2018 11:19 am
Forum: Personal Consumer Issues
Topic: Besides Bogleheads, What Are Your Favorite Forums?
Replies: 92
Views: 11643

Re: Besides Bogleheads, What Are Your Favorite Forums?

I have 3 Stihl chainsaws all over 20 yo always needing carb kits, impulse lines, and even an ignition module this year. Youtube videos are great but also an excellent forum is: https://chainsawrepair.createaforum.com/index.php Several good forums for diesel pickups, here's my favorite: http://www.di...
by spitty
Fri Jan 19, 2018 8:38 am
Forum: Personal Finance (Not Investing)
Topic: The wisdom of buying a car that doesn't depreciate (much)
Replies: 36
Views: 7044

Re: The wisdom of buying a car that doesn't depreciate (much)

OP,I don't like the idea of buying any of the used Raptors you listed--no idea how any previous owners drove them. I've seen several on the roads and most are younger drivers really jackin' these trucks with quite the attitude. And as someone mentioned above, Ford may not have the long term reliabil...
by spitty
Mon Jan 15, 2018 7:53 am
Forum: Personal Consumer Issues
Topic: Traveling to Germany (Bavaria) in April/May - Itinerary Help Needed
Replies: 49
Views: 3414

Re: Traveling to Germany (Bavaria) in April/May - Itinerary Help Needed

Hotel Munich Airport is a great place to stay the night before your flight home. Attached to the airport so just walk to your gate the next day. Yes, BMW-ED is an amazing experience-the reason I was there in 2012.
by spitty
Tue Jan 09, 2018 8:41 am
Forum: Personal Consumer Issues
Topic: Traveling to Germany (Bavaria) in April/May - Itinerary Help Needed
Replies: 49
Views: 3414

Re: Traveling to Germany (Bavaria) in April/May - Itinerary Help Needed

Hotel Victoria is a great choice in Nuremberg--full, included buffet breakfast, at least in 2012 when I stayed there. It's located in Old Town which is a cool area to walk, especially at night. If you're into Nazi history, the "Documentation Center" is an excellent museum. One would think Germans ar...
by spitty
Wed Jan 03, 2018 11:54 am
Forum: Personal Consumer Issues
Topic: Effects of extreme cold weather
Replies: 107
Views: 11004

Re: Effects of extreme cold weather

DW tested our pond with a heavy boulder to see if it's frozen--it is. Then she tested it with her derrière--same result. Wish I had that on video..
by spitty
Sun Dec 24, 2017 5:51 am
Forum: Personal Consumer Issues
Topic: Bounty or Kirkland brand
Replies: 25
Views: 2566

Re: Bounty or Kirkland brand

We prefer Bounty and like the half size sheet rolls--with 7 indoor dogs we're "experts". BTW, anyone seeing the Kirkland toothpaste anymore? It was good and cheap; seems to have disappeared from our stores.
by spitty
Thu Dec 21, 2017 7:50 am
Forum: Personal Finance (Not Investing)
Topic: pay down mortgage or invest in taxable
Replies: 73
Views: 7555

Re: pay down mortgage or invest in taxable

When I started prepaying my mortgage, one of the reasons was to keep my grubby little paws off the money. Investing those dollars instead of prepaying makes it available to buy that extra little luxury you otherwise wouldn't splurge on--new car, boat, etc. Another angle if you think you may not have...
by spitty
Fri Dec 15, 2017 6:41 am
Forum: Personal Finance (Not Investing)
Topic: What are your favorite tax deductions and credits for 2017?
Replies: 33
Views: 2619

Re: What are your favorite tax deductions and credits for 2017?

1-Selling UAA stock for a $29k loss---that one stung!
2- Charitable giving $11k
by spitty
Thu Dec 07, 2017 7:07 am
Forum: Personal Consumer Issues
Topic: Recommended places to live
Replies: 54
Views: 6455

Re: Recommended places to live

East TN is beautiful and just the climate you may be looking for--plus no state tax and I bet COL is lots cheaper than Dallas. Anywhere with 4 seasons will have a good selection of allergens blowing around in Spring and Fall. We live in an oak forest in MO and the green powder blowing around in late...
by spitty
Thu Dec 07, 2017 6:49 am
Forum: Personal Consumer Issues
Topic: I received a speeding ticket via mail from IA - should I pay it?
Replies: 72
Views: 6625

Re: I received a speeding ticket via mail from IA - should I pay it?

One final thought; during the past two years, I received two tickets from these same cameras. In both instances I was speeding more than 9 miles per hour over the limit and I paid both tickets. Did you get any points or an insurance bump either time? If so, OP I'd consider searching for an IA traff...
by spitty
Wed Dec 06, 2017 8:42 am
Forum: Personal Consumer Issues
Topic: Vegas on a budget
Replies: 49
Views: 4534

Re: Vegas on a budget

We were in Vegas 2 weeks ago and our favorite meal was at Alize, top level of the Palms. Fantastic service with super view of the city. We also stayed at Bellagio and had a rental car since we drove --all MGM properties charge $15/night parking. If flying in and staying on the strip I wouldn't have ...
by spitty
Sun Dec 03, 2017 7:00 am
Forum: Personal Consumer Issues
Topic: Philanthropy and related issues
Replies: 50
Views: 4315

Re: Philanthropy and related issues

We also favor lots of animal causes, especially local shelters. A new one on our list this year is Helping Rhinos; their mission is preventing senseless killing of these creatures for their horns. Only THREE Northern White Rhinos remain in the world. They're a 501c3 group. BTW there's talk of limiti...
by spitty
Sat Dec 02, 2017 7:25 am
Forum: Personal Consumer Issues
Topic: How Do You Stay Current With Music?
Replies: 111
Views: 6568

Re: How Do You Stay Current With Popular Music?

http://www.lonestarmusic.com/

I look at new releases every month or so then find it on Spotify. We're Premium subscribers and don't buy CDs anymore.
by spitty
Fri Nov 10, 2017 10:54 am
Forum: Personal Consumer Issues
Topic: Bicycle wheels - what's a reasonable budget
Replies: 48
Views: 3615

Re: Bicycle wheels - what's a reasonable budget

I have Dura Ace 9000 C35 on two bikes and really like em--light,good all-arounders, and alum brake tracks. With shopping you can buy at $1200/set or less. Also check out https://www.boydcycling.com/ I have a set of their wheels on a third bike (Altamont) and they are also excellent and cost less. Co...
by spitty
Sun Nov 05, 2017 7:49 am
Forum: Personal Consumer Issues
Topic: St Louis: from airport to hotel (uber, shuttle or rental)
Replies: 23
Views: 1621

Re: St Louis: from airport to hotel (uber, shuttle or rental)

Another idea is a rental car but stay at another hotel that doesn't charge for parking. Looks like several around the Sheraton including a Hampton Inn. If the Sheraton is a wedding party hotel, staying elsewhere may be out. Sheraton with a rental x2days will be $100. Metrolink at 10pm on Friday with...
by spitty
Sat Oct 21, 2017 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Tax issue: Made a mistake on Inherited IRA RMDs for five years
Replies: 40
Views: 3932

Re: Tax issue: Made a mistake on Inherited IRA RMDs for five years

I just read through this thread and find it very interesting! So I wonder at what dollar amount non-5329 filers would actually claim the delinquent amount? It seems that if one starts withdrawing and claiming at least some amount the year of an inheritance, the IRS will be satisfied. Year end totals...
by spitty
Sat Oct 21, 2017 7:49 am
Forum: Personal Consumer Issues
Topic: Best no sweat athletic/work socks
Replies: 28
Views: 2733

Re: Best no sweat athletic/work socks

Feetures look excellent so I'll try a pair. Always looking for good cycling socks; I really like Swiftwick.
by spitty
Sat Oct 21, 2017 7:03 am
Forum: Personal Consumer Issues
Topic: Best no sweat athletic/work socks
Replies: 28
Views: 2733

Re: Best no sweat athletic/work socks

Smartwool--not cheap, but they don't hardly stink and easy to wash out in the sink. Price is motivation to keep your toenails trimmed and filed!
by spitty
Mon Oct 16, 2017 5:58 am
Forum: Personal Consumer Issues
Topic: Storing Lawn Tractor over the Winter
Replies: 36
Views: 2769

Re: Storing Lawn Tractor over the Winter

I have a 1952 8N and squirt a couple cc's of Marvel Mystery oil in each cylinder then turn the engine over a few times --- in addition to the above suggestions.
by spitty
Mon Oct 16, 2017 5:53 am
Forum: Personal Consumer Issues
Topic: Opinions on bicycle disc brakes?
Replies: 26
Views: 2110

Re: Opinions on bicycle disc brakes?

I'm not interested in disc brakes--don't ride much in the rain unless getting caught occasionally. I use SwissStop pads on 3 road bikes and they are fantastic though not cheap: https://www.competitivecyclist.com/swissstop Plenty of Youtube videos on adjustment so easy to maintain yourself. We should...
by spitty
Wed Oct 04, 2017 7:26 am
Forum: Personal Consumer Issues
Topic: Travel camera reviews of what you own and why?
Replies: 25
Views: 2282

Re: Travel camera reviews of what you own and why?

Just saw this flash drive for iphone/ipad which looks interesting. Reviews of the new iphone 8+ camera are very good...

https://www.amazon.com/Kingston-Digital ... B072WPBV7Z
by spitty
Mon Oct 02, 2017 8:06 am
Forum: Personal Consumer Issues
Topic: My favorite CNBC program
Replies: 42
Views: 6521

Re: My favorite CNBC program

Fast Money but formerly Larry Kudlow's show.