Search found 84 matches

by FeesR-BullNotBullish
Thu Aug 30, 2018 10:27 am
Forum: Personal Consumer Issues
Topic: Mega Downsize....
Replies: 91
Views: 8326

Re: Mega Downsize....

Lots of great advice here. I might have missed it but wanted to add that there are thrift stores in my area that will pick up items you leave at the curb. Just call them and schedule a date. I use this service when I have too much to fit in the car.
by FeesR-BullNotBullish
Thu Aug 02, 2018 12:25 pm
Forum: Personal Consumer Issues
Topic: Gated communities pros and cons? (Atlanta or anywhere.)
Replies: 67
Views: 4456

Re: Gated communities pros and cons? (Atlanta or anywhere.)

Another consideration is the cost of privately maintained roads. I don't know about ATL, but in my community the city doesn't maintain streets behind gates. Therefore, a good chunk of HOA dues will be set aside for street maintenance and occasional slurry seal/repaving. If the HOA can't budget or th...
by FeesR-BullNotBullish
Thu Jul 26, 2018 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Help Please!! Contract payments not being paid
Replies: 16
Views: 1862

Re: Help Please!! Contract payments not being paid

I've had that issue a couple times in my contracting business but to a lesser extent. When I get fed up, I let client know that I will stop sending deliverables pending payment. Client then finds a way to pay real fast. Are you in a position to stop sending deliverables? If your client still doesn't...
by FeesR-BullNotBullish
Mon Jul 23, 2018 8:08 pm
Forum: Personal Consumer Issues
Topic: Coast to Coast 2-3 Week Road Trip
Replies: 16
Views: 1987

Re: Coast to Coast 2-3 Week Road Trip

It sounds like you appreciate parks and natural beauty. I also recommend a southern route. Hightail it to El Paso and slow the pace when you enter New Mexico which I feel is the most underappreciated state for all it has to offer. New Mexico is a tough sell, but it has awe inspiring beauty, great fo...
by FeesR-BullNotBullish
Fri Jul 13, 2018 12:03 pm
Forum: Personal Consumer Issues
Topic: Do insurance agents add value? How?
Replies: 24
Views: 1674

Re: Do insurance agents add value? How?

OP here. Thank you for the responses. I’m getting my fill of humble pie, which gives me cause to reconsider my attitude towards my agent. Regarding the cancellation letter, that got filed away as well. :oops: So yeah, it's past time to set up auto-pay and improve our mail filing system. It sounds li...
by FeesR-BullNotBullish
Fri Jul 13, 2018 11:04 am
Forum: Personal Consumer Issues
Topic: Do insurance agents add value? How?
Replies: 24
Views: 1674

Do insurance agents add value? How?

I missed my six-month auto insurance premium because the bill was filed away, and I just plain forgot it was due. Last night, I found the bill, paid up, and the policy was reinstated. Going forward, I will set up automated payments to prevent this from recurring. I feel let down that I didn’t get a ...
by FeesR-BullNotBullish
Wed Jul 11, 2018 3:45 pm
Forum: Personal Consumer Issues
Topic: Anyone take naps at work?
Replies: 93
Views: 5928

Re: Anyone take naps at work?

I am a huge believer in the power of an afternoon nap. I used to take 20-30 minute naps. I felt refreshed and more productive after - naps are way better than afternoon coffee for me. I got away from napping because I didn't have a dedicated space in my office, and it was a pain to set up and break ...
by FeesR-BullNotBullish
Tue Jul 10, 2018 1:17 pm
Forum: Personal Consumer Issues
Topic: Crock Pot Recipes
Replies: 19
Views: 1923

Re: Crock Pot Recipes

My favorites are stews. When looking for recipes I came across a web site for supermoms called whoneedsacape.com . I'm not sure if it was there or somewhere else that I learned the following technique for preparing multiple slow cooker meals: Choose several meals and buy all the ingredients. When yo...
by FeesR-BullNotBullish
Mon Jul 09, 2018 3:46 pm
Forum: Personal Consumer Issues
Topic: Flooring for New House
Replies: 57
Views: 4066

Re: Flooring for New House

My preference is wood throughout and tile in the kitchen and bathrooms. When DW and I were house hunting we encountered quite a few homes that had LVP flooring. Initially, I thought the LVP floors looked good. However, after seeing a few LVP floors, I liked it less each time and came to think LVP w...
by FeesR-BullNotBullish
Mon Jul 09, 2018 2:10 pm
Forum: Personal Consumer Issues
Topic: Flooring for New House
Replies: 57
Views: 4066

Re: Flooring for New House

My preference is wood throughout and tile in the kitchen and bathrooms. When DW and I were house hunting we encountered quite a few homes that had LVP flooring. Initially, I thought the LVP floors looked good. However, after seeing a few LVP floors, I liked it less each time and came to think LVP wa...
by FeesR-BullNotBullish
Fri Jul 06, 2018 9:41 am
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 159
Views: 13149

Re: What I spent in 6 months on medicare

I am 38 and DW is 41. We are child free. 2018 insurance premiums will run $9200. 2018 has been a healthy year thus far, but if misfortune hits we will be out another $5,500 per individual before our “insurance” starts to pay for stuff. Even then out of pocket costs will continue to rise on the inevi...
by FeesR-BullNotBullish
Sun Jul 01, 2018 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Smart to transition to rental property?
Replies: 10
Views: 1365

Re: Smart to transition to rental property?

I agree with others that it's not a good idea to keep as a rental. I think this condo provides too little return for a lot of risk. There is always the potential for crazy tenants who don't pay rent and/or trash the place. Although maintenance costs have been minimal thus far, you will likely have s...
by FeesR-BullNotBullish
Thu Jun 28, 2018 1:51 pm
Forum: Personal Consumer Issues
Topic: Buying and selling house in Western NY..Bank or mortgage broker?
Replies: 14
Views: 766

Re: Buying and selling house in Western NY..Bank or mortgage broker?

It depends on the temperature of your housing market - the hotter the market the more valuable the mortgage broker's services. When you make an offer, a good mortgage broker will call the seller's realtor to vouch for you and emphasize that yours is a serious offer they should consider. He or she ca...
by FeesR-BullNotBullish
Tue Jun 19, 2018 2:31 pm
Forum: Personal Consumer Issues
Topic: gray hair
Replies: 130
Views: 8907

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: 3290
Views: 995361

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: 1509

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: 2057

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: 5467

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: 2250

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: 920

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: 3338

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: 3533

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: 402

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: 3276

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: 5288

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: 5288

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: 7137

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: 1484

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: 11598

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: 5016

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: 763

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: 5645

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: 3093

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: 6355

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: 1068

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: 1925

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: 2656

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: 4496

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: 9260

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: 2037

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: 5727

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: 3870

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: 1308

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: 3119

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: 29200

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: 1186

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: 2077

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: 2728

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...