Search found 26 matches

by Gene2001
Tue Sep 20, 2016 8:43 pm
Forum: Personal Consumer Issues
Topic: Advice on snowblower
Replies: 62
Views: 6617

Re: Advice on snowblower

If you have that much of an incline you want a plow instead of blower maybe. Push the snow down the incline.... Either with a truck/plow. Or ATV/plow. Snowblowers work on inclines - if you have to with lots of snow you blow down the incline, come back up in the cleared path and blow down again. Rubb...
by Gene2001
Mon Sep 12, 2016 11:41 pm
Forum: Personal Investments
Topic: I should be able to retire!!!! But how can I do it?
Replies: 40
Views: 6692

Re: I should be able to retire!!!! But how can I do it?

Maybe his name is bernie M ? :D Most of my mainstay long term this year seems to be around 1.25 on the low and 3.57 on the high for ytd 2016 with one of my long terms doing extra well at 35% (lucky me). Hell if I could guarantee half of what the op is saying (20% every year) for the rest of my life ...
by Gene2001
Sun Sep 11, 2016 8:55 pm
Forum: Personal Consumer Issues
Topic: How do you handle business cards from fleeting acquaintances?
Replies: 16
Views: 2290

Re: How do you handle business cards from fleeting acquaintances?

Cardminder, we use it with our scansnap scanner. Will scan in all your cards and you can easily search for them later

http://www.fujitsu.com/global/products/ ... ardminder/


https://www.youtube.com/watch?v=xkd0o7inJ-I
by Gene2001
Sun Sep 11, 2016 4:30 pm
Forum: Personal Consumer Issues
Topic: Pushing for early retirement - where to go
Replies: 9
Views: 2472

Re: Pushing for early retirement - where to go

Hmmm, I just saw the thread that says which CITY to retire in. Not sure if I should delete this and tack on to that thread or leave it here. We don't want to be in a city. Outside a city or country would be more our style.
by Gene2001
Sun Sep 11, 2016 4:27 pm
Forum: Personal Consumer Issues
Topic: Pushing for early retirement - where to go
Replies: 9
Views: 2472

Pushing for early retirement - where to go

I have been in business 23+ years now and the stress is wearing on me. Me and my wife have decided to early retire coming up. Originally it was gonna be in 10 years but with all kinds of extra stress lately we put a newer plan in place. Saving extra these next 5 years and not buying anything big and...
by Gene2001
Sun Sep 11, 2016 4:16 pm
Forum: Personal Consumer Issues
Topic: Preparing financially for our funerals - prepay or not?
Replies: 113
Views: 13791

Re: Preparing financially for our funerals - prepay or not?

Gene2001: The funeral director told us that it should only be around $200.00 to put the ashes into the plot we already own in Iowa. Very small town--probably cheaper up there. birdy Thanks, ours is in Queens, NY so I'm sure its gonna cost more. What do they do - anyone know? It has to be in a speci...
by Gene2001
Sun Sep 11, 2016 10:05 am
Forum: Personal Consumer Issues
Topic: Preparing financially for our funerals - prepay or not?
Replies: 113
Views: 13791

Re: Preparing financially for our funerals - prepay or not?

We have all decided on cremation, no reason for us to be spending $10-$20k on funerals. Money is needed for the living not the dead..... That being said we own a family plot with 12 spots left. Never even thought the ashes could be buried with the rest of the family already there (4 members). Anyone...
by Gene2001
Sat Sep 10, 2016 12:00 am
Forum: Personal Consumer Issues
Topic: A/c service cost?
Replies: 9
Views: 1514

Re: A/c service cost?

Are you sure he added 2 pounds? We would charge that much alone for 22, then the service call on top of that. And if you were 2 pounds short - the guy is obligated to find the leak and fix it. Not have it keep venting out. Either you got a really good deal somehow, or maybe you were a half pound low...
by Gene2001
Fri Sep 09, 2016 11:51 pm
Forum: Personal Consumer Issues
Topic: What to do with Chase Sapphire Preferred Metal credit cards when acct closed?
Replies: 11
Views: 3292

Re: What to do with Chase Sapphire Preferred Metal credit cards when acct closed?

They sent us a prepaid return envelope (maybe 2 weeks ago)........ But I have cutting tools in my shop - so I just destroyed it
by Gene2001
Tue Sep 06, 2016 9:49 pm
Forum: Personal Consumer Issues
Topic: How much is your cell phone bill?
Replies: 341
Views: 41769

Re: How much is your cell phone bill?

Went from Verizon 2 cell phones - I think We were at $130 a month Down to Google fi in January of this year, 2 cell phones $50 a month on average. We are not big data users. On a side note we were Dish network users for many many years. I think that was also $120 a month. 3 years ago we cut the cord...
by Gene2001
Sun Aug 28, 2016 5:29 pm
Forum: Personal Consumer Issues
Topic: Passwords
Replies: 72
Views: 9839

Re: Passwords

Lastpass Premium, but also go one step further to prtect lastpass and use a yubikey

https://www.yubico.com/why-yubico/
by Gene2001
Thu Aug 25, 2016 7:56 pm
Forum: Personal Investments
Topic: Changing or Reallocating A few Retirement Investments
Replies: 2
Views: 545

Changing or Reallocating A few Retirement Investments

Just started investing for retirement (ira and 401k maxed out every year) 5 years ago or so . I am very much in the invest as much as I can and as fast as i can (no trying to time the market) and just let it sit for the long haul. I have been pretty happy with most of my picks, and even learned to l...
by Gene2001
Thu Aug 25, 2016 5:04 pm
Forum: Personal Consumer Issues
Topic: Cell phone data plans
Replies: 62
Views: 11303

Re: Cell phone data plans

Anyone have experience with Google's Project Fi? https://fi.google.com/about/?u=0 New code-name Sailfish and Marlin Nexus phones due next month. Some very nice features.... We swapped this year from verizon to google fi. Been a good swap as we hardly use any data. And we get refunded for what we do...
by Gene2001
Sun Jul 31, 2016 10:15 pm
Forum: Personal Consumer Issues
Topic: NYT cautionary tale on the cloud
Replies: 37
Views: 5878

Re: NYT cautionary tale on the cloud

I use cloud storage to backup on site storage. And really important stuff is also imaged (drives) and backed up at a safety deposit box off site. So I would hope that if one of the three areas get erased/burned to the ground or shut down/compromised I have two other locations to go to. I learned the...
by Gene2001
Sun Jul 31, 2016 10:10 pm
Forum: Personal Consumer Issues
Topic: Stats on Americans 'cutting the cable' ?
Replies: 98
Views: 19190

Re: Stats on Americans 'cutting the cable' ?

After researching it for years we cut sat TV/cable I think back in 2008. Was $120 or so a month back then. I only wish I did it sooner. Had dish network since 2000 or something like that. 8 years of paying all that money - imagine if I had it invested in the market! We have never looked back and our...
by Gene2001
Tue Jul 26, 2016 11:24 pm
Forum: Personal Consumer Issues
Topic: Converting from Oil heat to Gas or Electric
Replies: 46
Views: 17329

Re: Converting from Oil heat to Gas or Electric

Most users will tell you that NG is cheaper than oil. The OP can check out historical prices for both fuels at the EIA links: https://www.eia.gov/special/heatingfuels/#/US-PA:oil:week https://www.eia.gov/special/heatingfuels/#/US-PA:natgas:week to convert figure it takes 8 gallons of oil to equal t...
by Gene2001
Tue Jul 26, 2016 4:22 pm
Forum: Personal Consumer Issues
Topic: Converting from Oil heat to Gas or Electric
Replies: 46
Views: 17329

Re: Converting from Oil heat to Gas or Electric

Gas supply is de-regulated in NJ. You can shop price, but you'll be forced to lock-in contract once you do select supplier. Both gas and electric deregulated many years ago in NJ. Since we were already set up as a utility we thought we would jump right in and also sell gas and electric at the time....
by Gene2001
Tue Jul 26, 2016 9:36 am
Forum: Personal Consumer Issues
Topic: What is your plan if you lose job tomorrow ??
Replies: 73
Views: 10797

Re: What is your plan if you loose job tomorrow ??

Ramped up my retirement savings and have been putting everything into it for an early retirement so I don't have to face this problem. But if it happens before I can retire, we already have a good amount of emergency fund money so we have time to find a new job without having to take the first thing...
by Gene2001
Tue Jul 26, 2016 9:31 am
Forum: Personal Consumer Issues
Topic: Converting from Oil heat to Gas or Electric
Replies: 46
Views: 17329

Re: Converting from Oil heat to Gas or Electric

I'm an oil heat dealer - have been in Nj for 23 years now. And been in the HVAC industry for 30+ years. It pains me to hear stories of bad mechanics and companies. Just makes the entire industry go down the tubes faster. When fuel spiked up to $4+ many people started to swap over. Prices are now in ...
by Gene2001
Thu Jul 14, 2016 3:49 am
Forum: Personal Consumer Issues
Topic: Cell phone data plans
Replies: 62
Views: 11303

Re: Cell phone data plans

We swapped this year from verizon to google fi. Been a good swap as we hardly use any data. And we get refunded for what we dont use.

Verizon with two smart phones I think was $140 a month. Google fi has averaged $50 a month (tax and everything. So a good savings.
by Gene2001
Wed Jul 06, 2016 10:58 pm
Forum: Personal Investments
Topic: Fiancée has an annuity, what to do with it?
Replies: 3
Views: 671

Re: Fiancée has an annuity, what to do with it?

So if I have her call them - we can take a full Surrender on 8/12 and they will send her a check? Then what we have 30-60 days to get it back into a valid ira for no penalties? Can it be transferred direct to an IRA? or because its an annuity it gets cashed out and then put back into a retirment acc...
by Gene2001
Wed Jul 06, 2016 10:54 pm
Forum: Personal Consumer Issues
Topic: When to proactively replace water heater
Replies: 60
Views: 9326

Re: When to proactively replace water heater

HVAC mechanic here. Been in the industry since I was 5 years old riding with my uncle in NY on service calls. Worked for several Oil/repair companies and been running my own Oil company now for 22 years and counting. Just to give you a small resume for my advice. Hot water heaters - oil or gas or el...
by Gene2001
Wed Jul 06, 2016 10:31 pm
Forum: Personal Consumer Issues
Topic: Buying a Fifth Wheel-Help
Replies: 34
Views: 5054

Re: Buying a Fifth Wheel-Help

We loved our 5th wheel. We bought one of the lighter models - outback with garage for the race track. Had a dodge 2500 v10 to pull it. Because of the lighter weight of the outback it pulled really easy. But sucked down the gas. I think depending on how fast we went - 50's we got 8-9 mpg. 60's - 70's...
by Gene2001
Wed Jul 06, 2016 10:22 pm
Forum: Personal Consumer Issues
Topic: Experience with Honda airbag recall?
Replies: 154
Views: 43820

Re: Experience with Honda airbag recall?

My wife had a 2001 Honda accord, got the airbag done middle of last year i think it was. Brought it to the dealer - they didnt have our airbag - said it would be a week or two. Said they were out of loaner cars. I asked for a manager - said you really want us to leave your lot with the car? If someb...
by Gene2001
Wed Jul 06, 2016 10:14 pm
Forum: Personal Investments
Topic: Fiancée has an annuity, what to do with it?
Replies: 3
Views: 671

Fiancée has an annuity, what to do with it?

My fiance worked for a bank 8-9 years ago. She quit and some financial advisor at the time took what I think was her ira and put it into an annuity. North american Company. I'm 95% sure its qualified (retirement funds). We got the following letter in the mail today (below). I guess her 7 or 8 years ...
by Gene2001
Sat Jun 11, 2016 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: Firearm Insurance Pricing
Replies: 15
Views: 2849

Re: Firearm Insurance Pricing

I am trying to determine if I'm getting overcharged by my insurance company for firearm insurance. My homeowners insurance policy has a coverage limit for firearms of $2,500 if loss is due to theft. The deductible is $1k, effectively providing $1,500 worth of coverage in the event of theft. The hom...