Search found 158 matches

by brennok
Mon Jul 02, 2018 11:19 pm
Forum: Personal Consumer Issues
Topic: Neighbor's drainage issue causing problems
Replies: 54
Views: 3774

Re: Neighbor's drainage issue causing problems

Go and look at the drain. We had a similar problem in our work parking lot. The drain was so packed with dirt you couldn't even see the drain pipe and it was this way when the company moved into this location. Finally when they redid some concrete they had someone look at it and it just needed to be...
by brennok
Sun Jun 24, 2018 11:48 pm
Forum: Personal Finance (Not Investing)
Topic: Can you retire on $2M?
Replies: 173
Views: 20630

Re: Can you retire on $2M?

I face this actual dilemma. In my early 40s, no mortgage, around 2m networth including retirement, my only debt is about 4k owed on my car. I go back and forth daily since some days it would be nice to walk away from my job for many of the reasons mentioned here, but many of the mentioned concerns h...
by brennok
Sun Jun 24, 2018 11:13 pm
Forum: Personal Consumer Issues
Topic: Recommendations for ice machine
Replies: 22
Views: 1649

Re: Recommendations for ice machine

It depends on his fridge. I have a Whirlpool and on the weekends by myself can go through all the ice. Some ice makers just struggle to make enough. Also if you like ice cold drinks it is easy to go through a ton if ice. I have also noticed the newer icemakers make smaller cubes which melt faster so...
by brennok
Sat Jun 23, 2018 11:14 pm
Forum: Personal Consumer Issues
Topic: Garage refrigerator
Replies: 22
Views: 2716

Re: Garage refrigerator

I always moved the fridge from inside the house and upgraded the one in the house if the fridge died. We never had an issue with the ones either on the back porch or in the garage. We finally just dropoed the fridge for a freezer when we no longer needed the extra fridge space.
by brennok
Thu May 31, 2018 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have a monthly household budget?
Replies: 63
Views: 4111

Re: Do you have a monthly household budget?

Nope and I have never had a budget. I have always been good at not spending so never felt the need.
by brennok
Thu Apr 19, 2018 10:27 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest $950,000 over next 45-90 days
Replies: 29
Views: 4816

Re: How to invest $950,000 over next 45-90 days

Factor1 wrote:
Thu Apr 19, 2018 12:57 pm
Alexa9 wrote:
Thu Apr 19, 2018 12:30 pm
Ally Savings Account 1.45%
I don't think you want it locked in a CD or have any risk of a bond fund.
Money market fund is probably fine for such a short period of time though.
Yes, I do not want to be locked in with a CD either.
Ally does have a 11 month no penalty CD.
by brennok
Fri Apr 13, 2018 5:44 pm
Forum: Investing - Help with Personal Investments
Topic: Recharacterize small Roth contribution to nondeductible IRA? or withdraw?
Replies: 4
Views: 204

Re: Recharacterize small Roth contribution to nondeductible IRA? or withdraw?

I don't see myself ever being in a lower tax bracket where it will make sense to do a backdoor Roth due to an inherited IRA and the RMDs. I think you have misunderstood something. Being in a lower bracket is not needed or even desirable in order to use the back door to Roth. If you recharacterize t...
by brennok
Fri Apr 13, 2018 4:41 pm
Forum: Investing - Help with Personal Investments
Topic: Recharacterize small Roth contribution to nondeductible IRA? or withdraw?
Replies: 4
Views: 204

Recharacterize small Roth contribution to nondeductible IRA? or withdraw?

It looks like I made more money than I expected in 2017 due to some unforeseen bonuses. Unfortunately I didn't catch the automatic Roth IRA contribution I previously setup at Vanguard at the beginning of 2017 prior to a contribution so I contributed $500 to a 2017 Roth IRA. Since I am over the phase...
by brennok
Wed Apr 11, 2018 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: My PCP Won't See Me After Auto Accident - How to Handle With Insurance Company?
Replies: 39
Views: 4197

Re: My PCP Won't See Me After Auto Accident - How to Handle With Insurance Company?

Many PCPs here won’t treat auto. Here auto claims have a 30 day filing limit and require multiple signed forms from the patient for the first claim which most patents don’t know they need to bring in. If anything is off it gets denied and nothing you can do. You also aren’t contracted with the auto ...
by brennok
Thu Mar 29, 2018 8:47 pm
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 338
Views: 24985

Re: Anyone Deleting Facebook?

Same, never had one to delete.
by brennok
Wed Mar 07, 2018 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: What was your % pay raise?
Replies: 179
Views: 19825

Re: What was your % pay raise?

A little over 3% or around 1.5% a year. We don't get bonuses.

Not surprisingly but our company never went back to yearly reviews or even 401k match after the crash. Like most things once they take something away you don't get it back.
by brennok
Tue Feb 27, 2018 9:08 pm
Forum: Personal Consumer Issues
Topic: Wide ankle high comfy walking shoes for @@ Hawaiian Feet???
Replies: 42
Views: 2459

Re: Wide ankle high comfy walking shoes for @@ Hawaiian Feet???

Hush Puppies are still around. https://www.zappos.com/marty/hush-puppies-men-shoes/CK_XAXoE0wTYBIIBBJMW_hfAAQLiAgQBGA8P.zso?t=hush+puppies Have you tried them. Are they the "Hush Puppies" of "old" in quality and comfort? thanks, j :D I'm afraid I have not tried them--old or new. I would considering...
by brennok
Mon Feb 26, 2018 10:06 pm
Forum: Personal Consumer Issues
Topic: Wide ankle high comfy walking shoes for @@ Hawaiian Feet???
Replies: 42
Views: 2459

Re: Wide ankle high comfy walking shoes for @@ Hawaiian Feet???

Check out Brooks, I believe they have a solid walker. I wear the Dyad which runs in 4E but probably not what you are looking for.

Also check Dunham’s. They are boots made by New Balance and still run wide.
by brennok
Sat Feb 24, 2018 11:07 pm
Forum: Personal Consumer Issues
Topic: Office furniture/Conference table etc
Replies: 4
Views: 399

Re: Office furniture/Conference table etc

Big cities frequently have really big used office furniture stores. A bank or a large law firm may be relocating and simply buy new furniture rather than move what they have. The quality ranges from huge beautiful mahogany desks from a law partner's office to absolute junk. The discounts from the n...
by brennok
Mon Feb 19, 2018 11:13 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard as trustee
Replies: 37
Views: 6350

Re: Vanguard as trustee

One thing to keep in mind with Vanguard is they have a 500k minimum per trustee. We looked to Vanguard for my mother and her grandkids, but they would be below the minimum as her account stands right now.
by brennok
Mon Feb 19, 2018 10:55 pm
Forum: Personal Consumer Issues
Topic: Seeking Cruise Suggestions
Replies: 36
Views: 2539

Re: Seeking Cruise Suggestions

I would check cruiseline.com and cruisecritic both boards my friends have had good luck on when trying to find the best cruise that suit their wants.
by brennok
Sun Feb 11, 2018 11:48 pm
Forum: Personal Consumer Issues
Topic: Anyone have a Walabot (imaging sensor for wires, pipes, studs in walls)?
Replies: 24
Views: 2784

Re: Anyone have a Walabot (imaging sensor for wires, pipes, studs in walls)?

Reviews on Amazon are very bimodal. Either gushing or negative. That can be a sign of fake reviews. If I was going to purchase it I'd be sure I could return it. Note that it's not sold by Amazon, only fulfilled by Amazon. Also check out the comments on this review: https://www.askthebuilder.com/wal...
by brennok
Mon Jan 29, 2018 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: Still working out of greed or fear?
Replies: 46
Views: 5343

Re: Still working out of greed or fear?

Fear mainly. I am in my early 40s and 3% would be more than my annual wage and easily double my bills. I think there is significantly more risk when you start talking about leaving work in your "early 40s" - so that part I completely understand. Honest question - what is it you fear? What end game ...
by brennok
Sat Jan 27, 2018 11:39 pm
Forum: Personal Finance (Not Investing)
Topic: Still working out of greed or fear?
Replies: 46
Views: 5343

Re: Still working out of greed or fear?

Fear mainly. I am in my early 40s and 3% would be more than my annual wage and easily double my bills. Work takes up most of my time though so I could easily see my bills jumping in retirement. I max my 401k contribution, IRA, and HSA. I think if my 3% doubled or preferable tripled it would be a muc...
by brennok
Wed Jan 24, 2018 12:23 am
Forum: Personal Finance (Not Investing)
Topic: Employer Being "Bought Out" By Another Company
Replies: 20
Views: 2581

Re: Employer Being "Bought Out" By Another Company

It looks like my employer may be in this situation. We are a smaller company being bought out by a large company. We have only been recently informed it may be happening, looks 100%, so waiting to see what happens. Benefits are supposed to be better which isn’t surprising just due to going to a larg...
by brennok
Sat Jan 20, 2018 10:21 pm
Forum: Personal Consumer Issues
Topic: How to research specific optometrists?
Replies: 8
Views: 811

Re: How to research specific optometrists?

Healthgrades is sort of the yelp for doctors. You can also usually find ratings if you sign into your insurance website.
by brennok
Sat Jan 20, 2018 10:18 pm
Forum: Personal Consumer Issues
Topic: Rent (free at library) or buy books?
Replies: 50
Views: 3331

Re: Rent (free at library) or buy books?

Once I switched to a Kindle my library checkout rate skyrocketed. I buy almost zero books now.

I guess growing up with physical media, the limitations and drm of ebooks significantly lowers what I am willing to pay.
by brennok
Sat Jan 20, 2018 10:15 pm
Forum: Personal Consumer Issues
Topic: Medical Appointment Cancellation Policies/Fees
Replies: 36
Views: 2362

Re: Medical Appointment Cancellation Policies/Fees

Because around here they do. Even if the doctor doesn’t own their practice they still have a say in the charges. Around here it's the opposite. Nationwide most doctors now are employees just like the front desk staff. The Docs have a clipboard nurse following them around to make sure they don't spe...
by brennok
Sat Jan 20, 2018 9:53 pm
Forum: Personal Consumer Issues
Topic: Medical Appointment Cancellation Policies/Fees
Replies: 36
Views: 2362

Re: Medical Appointment Cancellation Policies/Fees

What is your specialist copay? Copay is $20 while fee was $85. Every policy I reveiewed says nothing about it being based on copay (e.g. everyone "would" be charged the same regardless of their insurance cooay). Thanks for all the replies. This specialist could lose $1000s from us for this $85 asse...
by brennok
Fri Jan 19, 2018 10:55 pm
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 184
Views: 21570

Re: Anyone disenchanted with retirement?

I think my biggest fear for retirement is spending. I keep running the calculations and firecalc shows I could retire safely even overestimating my yearly expenses. I worry that because I will be retired my spending will increase. I don’t know if I will ever get over the fear of spending without a s...
by brennok
Fri Jan 19, 2018 10:39 pm
Forum: Personal Consumer Issues
Topic: Medical Appointment Cancellation Policies/Fees
Replies: 36
Views: 2362

Re: Medical Appointment Cancellation Policies/Fees

What is your specialist copay? Many offices here base the fee off that. With rising copays the NOS/DNKA fee has been an on the rise especially with providers who book weeks out. Also yes definitely call, most waive the first, but some only do it if you ask since many times they mention it at the tim...
by brennok
Mon Jan 01, 2018 1:39 am
Forum: Personal Consumer Issues
Topic: Long Term House—Any Regrets on things you didn’t do?
Replies: 48
Views: 6496

Re: Long Term House—Any Regrets on things you didn’t do?

Lived in the same house for 17 years or so. My biggest regret was not getting involved in the renovation process. It is a family house that was renovated years before I moved in and I figured I would never live here so didn’t bother giving my input. 17 years later I am debating on gutting the house ...
by brennok
Thu Dec 07, 2017 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Advice whether my mother needs a trust and if so finding trust services for lower amounts?
Replies: 2
Views: 345

Re: Advice whether my mother needs a trust and if so finding trust services for lower amounts?

Currently the plan is to leave me as the trustee which I really would prefer not to be. My concern is it may strain already strained relationships among the siblings. Vanguard was going to be successor until we found out about the limits. She has some concerns about the parents of the grandkids mana...
by brennok
Thu Dec 07, 2017 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: Advice whether my mother needs a trust and if so finding trust services for lower amounts?
Replies: 2
Views: 345

Advice whether my mother needs a trust and if so finding trust services for lower amounts?

My mother and I recently met with an estate attorney who was referred to us to draft a will for her since my father passed in the last two years. Her current estate is in the low to mid 7 figure range now that his estate has all but settled. The bulk of her estate is in taxable with less than 30% ma...
by brennok
Fri Sep 01, 2017 12:31 am
Forum: Personal Consumer Issues
Topic: Bosch dishwasher?
Replies: 91
Views: 8836

Re: Bosch dishwasher?

My mother just recently picked up a mid tier Kitchenaid to replace her old Kitchenaid. It works fine, but hers has standing water in the filter area whenever it is finished. The worst part is it smells. Kitchenaid says it is normal to have water, but the fact the dishwasher and washed dishes end up ...
by brennok
Fri Aug 11, 2017 10:21 pm
Forum: Personal Consumer Issues
Topic: Window replacement - any advice? Lessons learned?
Replies: 50
Views: 7979

Re: Window replacement - any advice? Lessons learned?

I found this to be a very good read when I started looking. Ultimately I ended up putting it off.

https://www.reddit.com/r/HomeImprovemen ... re_i_have/
by brennok
Mon Aug 07, 2017 10:31 pm
Forum: Personal Consumer Issues
Topic: Car Depreciation As Reason to Get A New Car
Replies: 34
Views: 4308

Re: Car Depreciation As Reason to Get A New Car

Be cautious with KBB these days, they have had some suspect numbers lately. Check NADA for comparison. In some cases their numbers we're off by several thousands. It reminds me of the change you saw with truecar.
by brennok
Fri Aug 04, 2017 9:50 pm
Forum: Personal Consumer Issues
Topic: Home Remodeling Expenses
Replies: 12
Views: 1674

Re: Home Remodeling Expenses

I keep dealing with this. I have a house I inherited which I have lived in for a time. it never felt like my home and I wonder if a remodel would change that. I like the area. It is an older neighborhood with good size lots. It is close to work and in general conveniently located. The issue is I don...
by brennok
Mon Jul 24, 2017 9:23 pm
Forum: Personal Consumer Issues
Topic: Anyone else extremely frugal?
Replies: 100
Views: 10450

Re: Anyone else extremely frugal?

I definitely am unless it is something I know I will notice. I am really bad about not spending money. Based off how little I spend I could probably retire today.
by brennok
Sat Jul 22, 2017 10:56 pm
Forum: Personal Consumer Issues
Topic: Driver's seat cushion for tall drivers with long legs?
Replies: 7
Views: 1228

Re: Driver's seat cushion for tall drivers with long legs?

I would look at something like the memory foam cushion. SensorGel is one company I found that makes one.

Also look up Sparco. They make leg cushions to customize their seats.
by brennok
Sun Jul 09, 2017 10:54 pm
Forum: Personal Consumer Issues
Topic: New roof suggestions.
Replies: 29
Views: 3732

Re: New roof suggestions.

You might also try your neighborhood on Nextdoor.com for recommendations. We have had good luck with recommendations on there.
by brennok
Sun Jul 09, 2017 10:46 pm
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 133
Views: 14195

Re: What do you splurge on?

I eat out constantly. I am a little bit better about eating leftovers though than I used to be. I always had roommates so it was easy to just give it away. I definitely splurge on TV and internet. After that I would say it is computers and cars. I generally replace my car every 3-4 years, but still ...
by brennok
Sat Jul 08, 2017 11:41 pm
Forum: Personal Consumer Issues
Topic: Shopping for first bike since I was a kid
Replies: 121
Views: 9451

Re: Shopping for first bike since I was a kid

As others have said check with your local bike shops, you can get some entry level Giant and Trek for your budget though you might need to up it slightly. Besides used or clearance bikes, they will usually let you test ride multiple bikes to get a feel for what you like best. For example I found I h...
by brennok
Wed Jun 28, 2017 11:29 pm
Forum: Personal Consumer Issues
Topic: Pre-owned Acura's... Value of 'Certified'?
Replies: 23
Views: 3122

Re: Pre-owned Acura's... Value of 'Certified'?

I would also price Carmax with their warranty. They are sometimes cheaper than CPO and with the extended warranty you can still go to the Acura dealer for warranty work.
by brennok
Thu Jun 15, 2017 11:39 pm
Forum: Investing - Theory, News & General
Topic: Poll: 401K Match
Replies: 99
Views: 19439

Re: Poll: 401K Match

My employer took away the company match. We used to have 4% of our contribution and we also had profit sharing. During the crisis, they took the match and left the profit sharing. Profit sharing has a 5 year vesting. I keep hoping for the match to return. Of course the majority of the employees don'...
by brennok
Wed Jun 14, 2017 11:25 pm
Forum: Personal Consumer Issues
Topic: Have you canceled cable?
Replies: 90
Views: 9140

Re: Have you canceled cable?

Eventually I do and my cable and internet bill is only $150. If I dropped TV my internet alone would be $89.99 before taxes. Then add Hulu, Netflix, etc and I am back to what I was paying with a less than optimal experience. TiVo these days skips ads, and I can strip out ads of my recordings when I...
by brennok
Wed Jun 14, 2017 4:24 pm
Forum: Personal Consumer Issues
Topic: Have you canceled cable?
Replies: 90
Views: 9140

Re: Have you canceled cable?

Eventually I do and my cable and internet bill is only $150. If I dropped TV my internet alone would be $89.99 before taxes. Then add Hulu, Netflix, etc and I am back to what I was paying with a less than optimal experience. TiVo these days skips ads, and I can strip out ads of my recordings when I ...
by brennok
Mon Jun 12, 2017 6:06 pm
Forum: Personal Consumer Issues
Topic: Have you canceled cable?
Replies: 90
Views: 9140

Re: Have you canceled cable?

Nope I have never been a fan of streaming services since I much prefer local playback. I use TiVo, Plex, and a few other devices and software to make my own library to watch when I have time. I tend to record everything so I definitely get my money's worth from cable.
by brennok
Thu Jun 08, 2017 9:56 pm
Forum: Investing - Theory, News & General
Topic: Does anyone feel they missed out on AMZN, NFLX,TSLA?
Replies: 113
Views: 13204

Re: Does anyone feel they missed out on AMZN, NFLX,TSLA?

Yes I feel I missed out. Only twice did I approach my father about buying stocks. Netflix and Google when they went public. I worked a video chain and saw the writing on the wall when Netflix launched. I didn't have the money or I would have bought some. He easily could have but chose not to take my...
by brennok
Sat Jun 03, 2017 1:03 pm
Forum: Personal Consumer Issues
Topic: car oil changes a scam maybe ?
Replies: 18
Views: 2135

Re: car oil changes a scam maybe ?

Most enthusiasts I know who change their own oil send it off for analysis every few changes. It gives you a good idea on what is best for their car and their driving habits. 3k miles is probably too early, but it also depends on the climate you drive your car in, the type of driving you do. https://...
by brennok
Fri Jun 02, 2017 7:23 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin analysis via public trend indicators
Replies: 35
Views: 3456

Re: Bitcoin analysis via public trend indicators

I just don't understand the need for bitcoins in the US. I have seen a decent influx of services that have switched to bitcoin to get away from Paypal. Paypal has been known to ban people and sites with little notice. Currently for example they ban VPN and VPS services even though they are complete...
by brennok
Fri Jun 02, 2017 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Why does step-up basis apply to estates, but not gifts?
Replies: 29
Views: 3135

Re: Why does step-up basis apply to estates, but not gifts?

As a tax practitioner, I am very thankful we have stepped up basis. Attempting to track down and recreate the decedent's cost basis would be quite the task in many situations I've encountered. This is definitely something I see myself struggling with in the future. I have gifts I have received in t...
by brennok
Fri Jun 02, 2017 5:48 pm
Forum: Personal Consumer Issues
Topic: Recommendation of Security Cameras for Exterior of House
Replies: 47
Views: 8985

Re: Recommendation of Security Cameras for Exterior of House

Arlo seems to be the best of the wireless security cameras. I know I have read lots of good things about them. I know Dave Zatz likes his They just released the Pro models which use rechargable batteries rather than disposable batteries. The only complaint which possibly might have been addressed by...
by brennok
Sat May 20, 2017 7:55 pm
Forum: Personal Consumer Issues
Topic: Bad experience with 'rescuing' a lost dog
Replies: 38
Views: 4508

Re: Bad experience with 'rescuing' a lost dog

Around here we have had a large influx of people claiming they are the owner for reported dogs. The local lost and found group on Facebook which works with animal services has been warning people about since more often than not people coming forward have no proof. On top of it when the dog has been ...