Search found 70 matches

by FeesR-BullNotBullish
Tue Jun 19, 2018 2:31 pm
Forum: Personal Consumer Issues
Topic: gray hair
Replies: 129
Views: 7288

Re: gray hair

I started going gray in my early twenties. There were only a few grays back then but I was self conscious, so I dyed it. One day I was talking to a cute girl, and she called me out on it. :oops: I haven't dyed it since. Fast forward twenty years. Last night my wife showed me a picture she took of me...
by FeesR-BullNotBullish
Wed Jun 13, 2018 8:53 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3067
Views: 945952

Re: What Book Are You Currently Reading? Part VI

The Beer Bible by Jeff Alworth is teaching me a greater appreciation for a product I enjoy. The book discusses how beer is made, the history and characteristics of different styles, and how to taste beer to pick up the nuanced flavors. It's fascinating learning how cultural and legal nuances explai...
by FeesR-BullNotBullish
Wed Jun 06, 2018 2:36 pm
Forum: Personal Consumer Issues
Topic: Switching car insurance agents
Replies: 15
Views: 1346

Re: Switching car insurance agents

I switched agents within the same company ten years ago. I went through corporate as somebody else already recommended. As I recall it was a pretty big deal and I got a call from the previous agent attempting to justify their bad service rather than apologizing for it. I let him have it, and the pho...
by FeesR-BullNotBullish
Tue Jun 05, 2018 9:28 am
Forum: Personal Consumer Issues
Topic: Tool board for basement - plywood or pegboard?
Replies: 30
Views: 1860

Re: Tool board for basement - plywood or pegboard?

I'm late as well, but I want to re-affirm the support for pegboard! Hooks usually stay on when I remove tools slowly and deliberately. I'd like to hang pegboard floor to ceiling all over the house, but i prefer living in harmony with DW.
by FeesR-BullNotBullish
Sat Jun 02, 2018 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Leave Job (Philly) and move To Arizon (Phoenix)?
Replies: 67
Views: 4977

Re: Leave Job (Philly) and move To Arizon (Phoenix)?

I vote you take advantage of your current situation and move. This likely isn't a great financial decision, but you have some cushion, and there's more to life than accumulating wealth. It's unfortunate that your wife would leave her job so soon, but life's short. If you don't move when the time is ...
by FeesR-BullNotBullish
Fri Jun 01, 2018 10:19 pm
Forum: Personal Consumer Issues
Topic: Driving UHaul
Replies: 20
Views: 1994

Re: Driving UHaul

We rented a U-haul for a 1000 mile move a few years ago. I had not driven anything that big previously and found it relatively easy. In addition to driving the truck, I towed my car while my wife followed behind in hers. Traffic was good, and I didn't have trouble merging onto the freeway when I nee...
by FeesR-BullNotBullish
Fri Jun 01, 2018 2:01 pm
Forum: Personal Consumer Issues
Topic: belize with kids -- advice?
Replies: 8
Views: 828

Re: belize with kids -- advice?

I agree that two weeks seems long. Placencia is a small place, and I'd get stir crazy after a few days there. My wife and I did two weeks in Belize, but split it up between Caye Caulker, Hopkins, and Placencia. As I recall the beach in Placencia was serene, but there weren't many waves - the water c...
by FeesR-BullNotBullish
Thu May 17, 2018 5:17 pm
Forum: Personal Consumer Issues
Topic: Should I have my new garage floor coated with Epoxy?
Replies: 23
Views: 3167

Re: Should I have my new garage floor coated with Epoxy?

Yes! It makes cleaning so much easier when your car dumps a bunch of filthy snow on the floor. It'll take your garage from "garage" to another pleasant space in your new home.
by FeesR-BullNotBullish
Thu May 17, 2018 3:11 pm
Forum: Personal Consumer Issues
Topic: Hot food flavoring (sauces, spices and peppers)
Replies: 51
Views: 3088

Re: Hot food flavoring (sauces, spices and peppers)

barnaclebob wrote:
Thu May 17, 2018 3:05 pm
Marie Sharp's sauce from Belize is really good.
+1
by FeesR-BullNotBullish
Thu May 17, 2018 9:41 am
Forum: Personal Finance (Not Investing)
Topic: MUSING: Working Remotely For Current Job and Own Cabin Rentals
Replies: 2
Views: 379

Re: MUSING: Working Remotely For Current Job and Own Cabin Rentals

Is it a dream for you to live in a different location? Ten years down the road, will you ask yourself "what if" if you don't take this jump? What has more meaning - living in a pristine area running vacation rentals or your career? Working remotely might have a negative impact on your career arc bec...
by FeesR-BullNotBullish
Tue May 15, 2018 9:42 pm
Forum: Personal Consumer Issues
Topic: Brake work estimate
Replies: 45
Views: 3022

Re: Brake work estimate

Price sounds about right. FYI. Replacing pads and rotors is actually a fairly easy DIY task even for someone who's not particularly handy. Haha be careful with this. Being handy is different from being mechanically inclined. I budgeted four hours for my first brake job. I wound up screwing around f...
by FeesR-BullNotBullish
Fri May 11, 2018 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage question: 20% down or larger down payment?
Replies: 47
Views: 4866

Re: Mortgage question: 20% down or larger down payment?

I'll offer the minority perspective: I say go larger on the down payment if it leaves you with a healthy emergency fund, and go with a 15 year fixed rate mortgage if you can swing it. Personally, I wouldn't pay off my house at the expense of tax advantaged investments, but I will put money towards ...
by FeesR-BullNotBullish
Fri May 11, 2018 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage question: 20% down or larger down payment?
Replies: 47
Views: 4866

Re: Mortgage question: 20% down or larger down payment?

I'll offer the minority perspective: I say go larger on the down payment if it leaves you with a healthy emergency fund, and go with a 15 year fixed rate mortgage if you can swing it. Personally, I wouldn't pay off my house at the expense of tax advantaged investments, but I will put money towards m...
by FeesR-BullNotBullish
Sun May 06, 2018 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Resignation letter
Replies: 66
Views: 6679

Re: Resignation letter

This sounds like a crummy situation. I think the best course is for her to suck it up and show up for the next two weeks. I know these last two weeks will feel like an eternity but keep the perspective that it's just two weeks. That said, she can put in an honest day's work, but she doesn't have to ...
by FeesR-BullNotBullish
Sat May 05, 2018 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Best brick & mortar bank?
Replies: 14
Views: 1292

Re: Best brick & mortar bank?

We banked at a credit union for over ten years in our previous city. When we moved, we went with a community bank, and the upgrade in professionalism was a breath of fresh air. I don't know if this is true across the board, but our credit union was solidly entrenched on the casual side of business-c...
by FeesR-BullNotBullish
Wed May 02, 2018 7:39 am
Forum: Personal Consumer Issues
Topic: Have you quit eating sugar? Tell me how!
Replies: 129
Views: 10548

Re: Have you quit eating sugar? Tell me how!

Complete a round of the whole 30 diet. If you already cook 95% of your food it shouldn't be much more work. I second this. As luck would have it, today is day 29 of my second Whole 30. It's tough, but my sugar cravings finally went away a few days ago! My hope in doing this Whole 30 was to only tak...
by FeesR-BullNotBullish
Wed Apr 25, 2018 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: HOA won't help. [Homeowners Association]
Replies: 37
Views: 4704

Re: HOA won't help.

The lack of communication is troubling. You should expect either a resolution or a straight answer as to why the won't or can't fix the issue. Have you considered joining the board so you can have more influence?
by FeesR-BullNotBullish
Mon Apr 23, 2018 11:05 am
Forum: Personal Consumer Issues
Topic: using Outlook mail/calendar on Apple devices
Replies: 10
Views: 686

Re: using Outlook mail/calendar on Apple devices

I use outlook app on my iphone, and it works well. I use it for email only and hadn't realized it has a calendar until now. I did just check the calendar, and my events aren't already synced :(.
by FeesR-BullNotBullish
Sun Mar 25, 2018 4:34 pm
Forum: Personal Consumer Issues
Topic: Big time home inspection issues
Replies: 44
Views: 5328

Re: Big time home inspection issues

I find it upsetting that your inspector made your realtor cringe. When we looked at historic homes, our realtor had our back. On one property we submitted an offer in the morning. That afternoon our realtor and her husband looked at it and determined it needed $20k in HVAC work. We pulled our offer ...
by FeesR-BullNotBullish
Mon Mar 05, 2018 2:40 pm
Forum: Personal Consumer Issues
Topic: Painter did a sloppy job -- seeking advice on next steps
Replies: 28
Views: 2977

Re: Painter did a sloppy job -- seeking advice on next steps

I think you should part ways with this guy. You can ask for a refund but I wouldn't count on it. He already charged you more than the quoted amount, screwed around with the scheduling, and did a poor job. Any more time spent trying to get this guy to be accountable and honest is wasted time in my op...
by FeesR-BullNotBullish
Sun Feb 25, 2018 8:36 pm
Forum: Personal Consumer Issues
Topic: 3 layers of roof. Pull my offer??
Replies: 63
Views: 6117

Re: 3 layers of roof. Pull my offer??

3 layers is pretty bad. That's a lot of weight and might make the trusses sag. I take it your inspector looked at the trusses and verified they're in good shape? 3 layers might be an issue with your insurance company. From previous posts it seems an insurance company can do an inspection after you'r...
by FeesR-BullNotBullish
Sat Feb 24, 2018 1:18 pm
Forum: Personal Consumer Issues
Topic: iPhone 6 just broke screen. Need new phone
Replies: 11
Views: 960

Re: iPhone 6 just broke screen. Need new phone

My wife and I each broke and replaced the screens on our 6s iPhones. :oops: I forget the exact cost but each one was closer to $200 than $100. I suggest you go to Apple if you consider screen replacement. We went to independent places and our replacement screens each have their own little quirks. Ov...
by FeesR-BullNotBullish
Fri Feb 23, 2018 11:12 am
Forum: Personal Consumer Issues
Topic: Help! Buying my first sofa/couch
Replies: 27
Views: 1685

Re: Help! Buying my first sofa/couch

I recommend you two spend a day going to every furniture store in your area. (Hopefully you live near a few) I expect you'll find something comfy for less than $1,000 including delivery charge. I did that ten years ago and found a leather couch for $500 that I still have today. I'd be very hesitant ...
by FeesR-BullNotBullish
Sun Feb 11, 2018 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: Can’t decide if we’re getting close to FIRE without knowing health care costs
Replies: 30
Views: 2531

Re: Can’t decide if we’re getting close to FIRE without knowing health care costs

I don't think you can come up with a worst case number. Health care is too complex an issue to budget your out of pocket maximums even factoring in significant annual price hikes. Many sicknesses don't have clear cut diagnoses and therefore aren't effectively treated by methods covered by insurance....
by FeesR-BullNotBullish
Sat Feb 10, 2018 5:53 pm
Forum: Forum Issues and Administration
Topic: Black Theme for Site?
Replies: 38
Views: 3900

Re: Black Theme for Site?

Here are a couple additional ideas for easing eye strain. I use a pair of Gunnar glasses. They are tinted to take out light spectrums harmful to your eyes. These glasses help my eyes immensely and I can still differentiate simiilar colors on my monitor. There is also a free application called f.lux ...
by FeesR-BullNotBullish
Fri Jan 19, 2018 12:56 pm
Forum: Personal Consumer Issues
Topic: Short Commute or Nicer House?
Replies: 142
Views: 8685

Re: Short Commute or Nicer House?

I have another vote for the shorter commute, but don't assume the older house is better built. Shoddy construction has been around forever, and look out for less than professional improvements and add-ons. DW and I put an offer on a house built in 1948. We hired a home inspector who specialized in o...
by FeesR-BullNotBullish
Wed Jan 10, 2018 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Underwater 4-5k in vehicle.
Replies: 29
Views: 1939

Re: Underwater 4-5k in vehicle.

I was (only) underwater $1.5k. The buyer came to my place to do a test drive, and we agreed to terms. A couple days later, I met the buyer at my credit union to do the transaction. I had the loan through my credit union which is why we met there. He had a certificate from his bank and I added the re...
by FeesR-BullNotBullish
Thu Nov 23, 2017 2:37 pm
Forum: Personal Consumer Issues
Topic: best cordless drill??
Replies: 71
Views: 5403

Re: best cordless drill??

I bought the Bosch that this reviewer indicated was the best. No complaints but it only gets used a few times a year; light homeowner use. https://thewirecutter.com/reviews/the-best-drill-for-common-household-projects/ I have this Bosch as well, and I love it. It is more compact than most cordless ...
by FeesR-BullNotBullish
Wed Oct 25, 2017 4:27 pm
Forum: Personal Consumer Issues
Topic: Upgrade my Roku?
Replies: 34
Views: 3692

Re: Upgrade my Roku?

I was perfectly happy w/ my Roku 2 until I read this post! :oops: haha, I'm still going to hold off on upgrading because the 2 still suits our entertainment needs just fine.
by FeesR-BullNotBullish
Wed Oct 25, 2017 12:17 pm
Forum: Personal Consumer Issues
Topic: How to Start Tutoring Service
Replies: 12
Views: 1245

Re: How to Start Tutoring Service

A family friend tutors high school kids through a web site called Wyzant. Wyzant pairs tutors with students and handles the payment processing side of the business. She felt Wyzant was very fair and they even have policies that encouraged her to keep working through them after a few sessions when sh...
by FeesR-BullNotBullish
Tue Oct 17, 2017 1:53 pm
Forum: Personal Consumer Issues
Topic: How do you outfit your feet?
Replies: 27
Views: 2997

Re: How do you outfit your feet?

Sometimes I feel like I have too many pairs, but each pair has it's purpose for me. It's good to know have some good company here. These are mine: 1) Keen waterproof low top hiking boots which double as everyday shoes and yard work shoes 2) Clark's casual brown which I alternate with the above 3) Ca...
by FeesR-BullNotBullish
Thu Sep 21, 2017 4:30 pm
Forum: Investing - Help with Personal Investments
Topic: I won the Lottery. Need sound advice.
Replies: 220
Views: 28417

Re: I won the Lottery. Need sound advice.

Of your original post, I don't know how much of it was in jest, but I think it's imperative to focus on your marriage and make sure you and your wife are on the same page with financial decisions. It's not you and her; you're a team. It can be frustrating being a team, but in the end I think we're b...
by FeesR-BullNotBullish
Sun Sep 17, 2017 6:24 pm
Forum: Personal Consumer Issues
Topic: brand of solid wood floor-Help!
Replies: 9
Views: 1140

Re: brand of solid wood floor-Help!

I remember being frustrated at how hard it was to compare brands. I ended up buying wood from a salesperson I felt good about and installed it myself. Unfortunately, the dog put a couple bad scratches in it right off the bat. :oops: I've since learned than an important consideration is the hardness ...
by FeesR-BullNotBullish
Sat Sep 09, 2017 11:01 am
Forum: Personal Consumer Issues
Topic: Anyone use Nextdoor.com for referrals?
Replies: 20
Views: 1991

Re: Anyone use Nextdoor.com for referrals?

Nextdoor is my goto place for referrals. You can use the search bar on nextdoor or post a request for a referral. I find the referrals on nextdoor to be better caliber than anywhere else online including Angie's list (we were members a few years ago). Perhaps it's because they are referrals and not ...
by FeesR-BullNotBullish
Sat Sep 09, 2017 9:46 am
Forum: Personal Consumer Issues
Topic: GPS watch
Replies: 26
Views: 2612

Re: GPS watch

The Fitbit Ionic is a new product that looks promising. I think it will do all you ask of it and it is right at the top of your budget. It is Fitbit's first real foray into the smartwatch category but with an emphasis on fitness to stay true to Fitbit's brand. It is currently available for pre-order...
by FeesR-BullNotBullish
Wed Aug 30, 2017 8:28 am
Forum: Personal Consumer Issues
Topic: Refurbished or New TV?
Replies: 29
Views: 2363

Re: Refurbished or New TV?

It sounds like you've done the research. I say go for it. I always buy refurbished when I can, and I have had good luck. Refurbished tends to come with the same manufacturer's warranty as new, but I have never had to make a warranty claim. That said have you checked Costco? This kind of purchase mig...
by FeesR-BullNotBullish
Mon Aug 21, 2017 12:02 pm
Forum: Personal Consumer Issues
Topic: Asphalt Repave Cost
Replies: 3
Views: 643

Re: Asphalt Repave Cost

Ouch that's a huge chunk of change. The company likely is factoring the opportunity cost of time away from paving an apartment complex or a shopping center while working on your project. In order to get the bid down you might have to take a chance on a smaller company, but like you said the problem ...
by FeesR-BullNotBullish
Fri Aug 18, 2017 10:47 am
Forum: Personal Consumer Issues
Topic: Bough gift cards from cash card.com and somebody else used them all
Replies: 25
Views: 3464

Re: Bough gift cards from cash card.com and somebody else used them all

I'm sorry this happened. If it's any silver lining, your experience will prevent me from making the same mistake.
by FeesR-BullNotBullish
Tue Aug 15, 2017 12:14 pm
Forum: Personal Consumer Issues
Topic: Is $9000 too much for a sectional sofa ?
Replies: 130
Views: 11692

Re: Is $9000 too much for a sectional sofa ?

#1 - Yes I think it's reasonable. This is a beautiful piece that is likely a focal point of your home and something you may enjoy for a long time to come. You should probably make sure that you are able to sit on and test drive a similar sofa because it needs to be supremely comfortable for this kin...
by FeesR-BullNotBullish
Sat Aug 12, 2017 5:22 pm
Forum: Personal Consumer Issues
Topic: Should I buy a paint sprayer?
Replies: 10
Views: 1421

Re: Should I buy a paint sprayer?

Sprayers require more prep work; you have to make sure to cover everything 100% that you don't want painted. But the amount of time saved is likely to be worth it in the end because spraying is so many times easier than brush and roller. Interiors are tricky because I like flat white on the ceiling,...
by FeesR-BullNotBullish
Wed Aug 09, 2017 2:39 pm
Forum: Personal Consumer Issues
Topic: Toyota Camry Repair Priorities
Replies: 71
Views: 5632

Re: Toyota Camry Repair Priorities

How many people looked at your car? Did you take it to the dealer or independent shop? I definitely recommend a second opinion, and I think your best bet will be to find a reputable independent shop or shade tree mechanic. Whether or not you fix these things really depends how badly you want or need...
by FeesR-BullNotBullish
Thu Jul 13, 2017 1:37 pm
Forum: Personal Consumer Issues
Topic: $1368 for new shocks/struts on '05 Corolla?
Replies: 83
Views: 6961

Re: $1368 for new shocks/struts on '05 Corolla?

Great post. All of the insight is inspiring me to make this overdue repair to my '06 Focus. Like OP, I was quoted over $1000 at my local mechanic. I just found a shade tree mechanic on craigslist, called a parts store, and the whole job will be around $650 ($200 for parts + $450 for labor). I realiz...
by FeesR-BullNotBullish
Wed Jul 12, 2017 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Evaluating housing and longer commutes
Replies: 20
Views: 1622

Re: Evaluating housing and longer commutes

I think OP is facing an uphill battle in trying to convince them using numbers and logic. Like OP, I value a short commute and being close to town. However, I know people who moved out to the burbs for that big house and yard, and the commutes don't seem to phase them. I think some folks actually en...
by FeesR-BullNotBullish
Tue Jul 11, 2017 10:14 am
Forum: Personal Consumer Issues
Topic: Moving a car cross country
Replies: 54
Views: 3672

Re: Moving a car cross country

Pro tip for the walkie talkies - make sure to start charging them as soon as you check into your hotel for the night. Consider getting a car charger also. My wife and I used walkie talkies on a two day trip. Our walkie talkies worked great the first day. Unfortunately I waited until we went to bed t...
by FeesR-BullNotBullish
Fri Jul 07, 2017 12:41 pm
Forum: Personal Consumer Issues
Topic: Googleplay?
Replies: 4
Views: 763

Re: Googleplay?

We like Google Play. Unlike Netflix, which is subscription based, you pay per movie with Google Play. New releases and popular movies are more widely available on Google Play than Netflix. It is difficult to sort between what titles are available to rent and which are "buy only". If anyone knows how...
by FeesR-BullNotBullish
Thu Jul 06, 2017 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Credit score much lower than expected: 711
Replies: 21
Views: 2000

Re: Credit score much lower than expected: 711

Ouch. Try meeting with a mortgage broker and find out exactly how much more your payments will be with a 711 vs say 750 or more credit score. That way you can put a number to your worries. It might turn out to be negligible. Credit scores are a big mystery. Sure you can wait it out and employ strate...
by FeesR-BullNotBullish
Sat Jul 01, 2017 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Should I move abroad to minimize health care costs?
Replies: 80
Views: 7962

Re: Should I move abroad to minimize health care costs?

OP here. I am humbled with the advice, stories, and lessons posted thus far. I am touched that so many have reached out to a stranger to share. I realize my initial post sounds rash, but we have by no means decided to move. I just think it should be a consideration. We likely have at least a year of...
by FeesR-BullNotBullish
Fri Jun 30, 2017 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Should I move abroad to minimize health care costs?
Replies: 80
Views: 7962

Should I move abroad to minimize health care costs?

One of the biggest wildcards in personal finance is health care costs. We are 37 and 40. DW and I won’t have kids. We are both freelancers and don't qualify for subsidized insurance. We pay around $600 per month for our high deductible health plans. We make $120,000 per year give or take. One of my ...