Search found 75 matches

by CJC000
Fri Nov 01, 2019 12:27 pm
Forum: Personal Investments
Topic: Looking for Variable Annuity help!
Replies: 9
Views: 691

Re: Looking for Variable Annuity help!

Very similar situation here. We went to our local Schwab office and he had the Schwab Annuity person on the phone review our Annuity. When we did the math, the five years of fees the annuity was charging exceeded the penalty. We took the penalty, moved the remaining money to our Schwab IRA (no taxes...
by CJC000
Tue Sep 17, 2019 9:47 pm
Forum: Personal Consumer Issues
Topic: Alternatives to Subaru Outback?
Replies: 84
Views: 8078

Re: Alternatives to Subaru Outback?

We wanted to buy our Outback from the local dealer. They add "Market Value Adjustment" to the tune of $4,000!! I told them I would not pay that and they said it was because they were in high demand so they "had to" (so they could rip off the consumers). We ended buying the same car 200 miles away wi...
by CJC000
Sat Sep 14, 2019 7:20 pm
Forum: Personal Consumer Issues
Topic: Vehicle idle stop-start when parking
Replies: 54
Views: 3900

Re: Vehicle idle stop-start when parking

+1 Yep, it gives the illusion of slightly better gas mileage... Hate the feature
by CJC000
Sun Aug 04, 2019 2:01 pm
Forum: Personal Consumer Issues
Topic: HVAC questions: asbestos-insulated ducts need replacing? A/C costs?
Replies: 21
Views: 1269

Re: HVAC questions: asbestos-insulated ducts need replacing? A/C costs?

+1 Agreed, this looks like typical fiberglass insulation, not asbestos. The taped joints could have an asbestos component but would have to be tested, not just visual. In our area it runs ~$400 for a test. Areas where the insulation is pulled off is from rodent damage. Also agree that all except the...
by CJC000
Mon Jul 29, 2019 8:34 pm
Forum: Personal Consumer Issues
Topic: Your Favorite [Travel Destination] on Earth: Where and Why?
Replies: 184
Views: 21459

Re: Your Favorite [Travel Destination] on Earth: Where and Why?

Camping on the western tip of Horn Island. No one else there. Bioluminescence in the water, the shooting stars, the smell of the Gulf, feeling small...
by CJC000
Mon Jul 29, 2019 8:30 pm
Forum: Investing - Theory, News & General
Topic: A low-cost 5 fund Boglehead portfolio
Replies: 108
Views: 14890

Re: A low-cost 5 fund Boglehead portfolio

We're all in at Schwab. Do you mind making a similar portfolio with their ETF"s??
Thanks!
by CJC000
Mon Jul 01, 2019 5:19 pm
Forum: Personal Consumer Issues
Topic: Wood burning stoves
Replies: 30
Views: 2203

Re: Wood burning stoves

Blaze King are good stoves, popular in Oregon. You will need to know what the moisture content is in your cord wood. Less than 20%, seasoned over two years is required or the warranty may be void. A moisture meter will be needed. The catalytic converter is expensive to replace (~$300) and won't be c...
by CJC000
Thu Jun 27, 2019 9:29 pm
Forum: Personal Consumer Issues
Topic: Trex decking or alternatives?
Replies: 44
Views: 4150

Re: Trex decking or alternatives?

Our builder told me he no longer builds wood (or plastic) decks. Only concrete and steel and tile. But thats an expensive option... In Portland, you must use solid PVC or Fiberglass otherwise the moisture will cause mold in wood/recycled products. The better products cost more than ipe or mahogany p...
by CJC000
Wed Jun 26, 2019 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: friend claiming 17% returns on Life Insurance
Replies: 30
Views: 3848

Re: friend claiming 17% returns on Life Insurance

Must be a Life Insurance Salesman :wink:
by CJC000
Tue Jun 25, 2019 10:34 pm
Forum: Personal Consumer Issues
Topic: Dental implant... almost done! COMPLETE!
Replies: 64
Views: 4818

Re: Dental implant... almost done!

I just cringe when I read these dental topics
If it were "medical" it would be locked immediately
Since its "just a tooth" it goes on and on with horrible anecdotes and misinformation...
by CJC000
Mon Jun 24, 2019 10:41 am
Forum: Personal Consumer Issues
Topic: LG Washer - Try to Fix or Buy New?
Replies: 10
Views: 559

Re: LG Washer - Try to Fix or Buy New?

Open the door, reach in and push up hard on the drum. If its pretty snug, probably a belt or bearing - maybe fix if you can do it. If it is floppy and easy to move around the shaft bearing is shot. Not worth fixing...
by CJC000
Sat Jun 22, 2019 2:55 pm
Forum: Personal Consumer Issues
Topic: what was your worst major purchase? mine is a 2019 mazda3
Replies: 182
Views: 17530

Re: what was your worst major purchase? mine is a 2019 mazda3

36' Diesel Pusher Motorhome. Wife hated it, I loved it, its for sale.
So far, I figure each camping trip cost us around $3,000 - yeah - pretty dumb :oops:
by CJC000
Sat Jun 01, 2019 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: For those who earn $500k+ per year. How'd you do that?
Replies: 369
Views: 40273

Re: For those who earn $500k+ per year. How'd you do that?

Board Certified Endodontist, private practice
23 years of education
4 da/wk, 40 wks/year, 8-5pm
by CJC000
Sat May 11, 2019 11:15 pm
Forum: Personal Consumer Issues
Topic: Best way to kill poison ivy
Replies: 43
Views: 2455

Re: Best way to kill poison ivy

The best product for this plant is Crossbow Herbicide (unless you live in CA)
Ingredients: 2,4-D, butoxyethyl ester 34.4% and Triclopyr, butoxyethyl ester 16.5%
Roundup is ineffective unless used in high concentrations
by CJC000
Tue Apr 16, 2019 8:54 pm
Forum: Personal Consumer Issues
Topic: Buying a Roadtrek
Replies: 27
Views: 3687

Re: Buying a Roadtrek

The dogs will be a big issue. They aren't allowed just about anywhere in National Parks. You can't leave them unattended in your RV while you go on a hike or grab a bite to eat, etc. You won't be able to hike with them. Lots of state parks will allow dogs, but check the National Parks as we did. We ...
by CJC000
Sun Mar 10, 2019 10:53 pm
Forum: Personal Finance (Not Investing)
Topic: What are your personal experiences with downside of early retirement?
Replies: 95
Views: 17598

Re: What are your personal experiences with downside of early retirement?

Wow. I bet those brand new Nuclear Physics Engineers would like to keep the "old timers" around a bit longer...
Oh and and maybe ask those new NASA engineers if those old timers are worth keeping around.
by CJC000
Tue Feb 26, 2019 2:09 pm
Forum: Personal Consumer Issues
Topic: How to spend a few hours in Halifax and Saint John?
Replies: 11
Views: 657

Re: How to spend a few hours in Halifax and Saint John?

Halifax is very nice -- Good restaurants, pretty harbor. We took a Segway tour (very fun) along the waterfront. Be sure to visit the Maritime Museum of the Atlantic, fascinating history of the Halifax Explosion. The Halifax Citadel is worth a visit also. Didn't make it to St John but would love to s...
by CJC000
Wed Feb 20, 2019 2:45 pm
Forum: Personal Consumer Issues
Topic: purchasing new furnace tips
Replies: 35
Views: 1934

Re: purchasing new furnace tips

I would highly recommend you research ductless mini split systems. Daikin is a good brand. You would have heat and ac and no asbestos ducts to worry about. They are quiet and very efficient
by CJC000
Fri Feb 01, 2019 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Benefits Question
Replies: 18
Views: 2056

Re: Social Security Benefits Question

This strategy changed in 2015 but looks like your good to go. I copied this from Investopedia: Deemed Filing The 2015 law also prevents taxpayers from double-dipping by claiming spousal benefits while accruing delayed retirement credits on their own accounts. Previously, it was possible for those el...
by CJC000
Mon Jan 28, 2019 9:15 pm
Forum: Personal Consumer Issues
Topic: Logistics help needed with Grand Canyon trip
Replies: 25
Views: 1329

Re: Logistics help needed with Grand Canyon trip

Well done! You scored one of the most difficult reservations in the US – Phantom Ranch… I highly recommend changing up your itinerary if possible. You didn’t mention when in Oct you are going, but if it is before the 15th do this: Two nights at the North Rim lodge – fantastic place and the food is a...
by CJC000
Wed Jan 16, 2019 4:23 pm
Forum: Personal Investments
Topic: Variable annuity, a success story?
Replies: 42
Views: 2348

Re: Variable annuity, a success story?

The guarantee on the 100K is only for the annuitant during his lifetime. When he dies, he cashes out. Unless he bought a rider for beneficiaries. The actual value becomes important to his estate upon death. So, in a way, they all get cashed out at some point…
by CJC000
Wed Jan 16, 2019 3:15 pm
Forum: Personal Investments
Topic: Variable annuity, a success story?
Replies: 42
Views: 2348

Re: Variable annuity, a success story?

I have a similar product that I was sold in 2007 and was convinced to keep by BH’s because the underlying investments were underwater. Please look up Kitces Annuity Death Spiral which explains this all very well. Here’s my take: The guaranteed $100k is magic Annuity money, it not your Dads money. He...
by CJC000
Sat Oct 06, 2018 12:16 pm
Forum: Personal Consumer Issues
Topic: Help identify vine in backyard
Replies: 26
Views: 1671

Re: Help identify vine in backyard

Looks like Virginia Creeper to me. Ours is a rapid growing vine, no thorns or poison gets a purple berry in the fall and the leaves turn a beautiful red. We love it as long as its not near the house
by CJC000
Tue Apr 10, 2018 12:30 am
Forum: Personal Investments
Topic: Advice on selling small paid-up whole life policy
Replies: 2
Views: 394

Re: Advice on selling small paid-up whole life policy

Check to see who the owner is. The owner is the only one who can make changes, surrender, etc. The owner is the one that will owe the tax if surrendered. These were often purchased on young children, the parents were the owners and later ownership transferred to the child. A simple phone call to the...
by CJC000
Tue Mar 13, 2018 9:15 pm
Forum: Personal Consumer Issues
Topic: Need Advice - Electric Hot Water Heater
Replies: 28
Views: 2747

Re: Need Advice - Electric Hot Water Heater

$900 to install is outrageous unless that included running a new power source, seismic strapping, insulation, etc. If you don't want to do it yourself, try an independent contractor. Remember Oxygen is not combustable, it vigorously supports combustion. Maybe going to electric is overkill?
by CJC000
Tue Mar 13, 2018 2:07 pm
Forum: Personal Consumer Issues
Topic: Mac Newbie Needs help with MacBook Safari Browser Bookmarks. How to move or sync? Thanks @@
Replies: 6
Views: 694

Re: Mac Newbie Needs help with MacBook Safari Browser Bookmarks. How to move or sync? Thanks @@

Make sure your device you want to sync is yours, not your wife or kids. I made the mistake of having the same Apple password on my iMac and my wife laptop - huge mess. She would make a change, showed up on my Mac and vice versa. Try this link: http://www.idownloadblog.com/2014/06/20/sync-bookmarks-m...
by CJC000
Tue Mar 13, 2018 1:35 pm
Forum: Personal Consumer Issues
Topic: Need Advice - Electric Hot Water Heater
Replies: 28
Views: 2747

Re: Need Advice - Electric Hot Water Heater

We just replaced our "shop" electric water heater with a Westinghouse (HTC brand) stainless steel tank from Home Depot. You can get the 40gal for $670, the 52 gal is $679. These have a lifetime tank warranty, NO anodes needed, 6 yrs parts. HD can install for a reasonable fee. It will take a dedicate...
by CJC000
Sat Mar 10, 2018 7:30 pm
Forum: Personal Consumer Issues
Topic: Chain Saw pruner or Pole Saw?
Replies: 24
Views: 2643

Re: Chain Saw pruner or Pole Saw?

We have 6 acres with ~400 oak trees that need constant trimming. I started out just like you, big box manual pole saw, professional Fanno saw then finally went to our local Stihl dealer and he convinced me to get a Stihl HT 131. I love this tool. It has a learning curve to get good and it will wear ...
by CJC000
Tue Feb 20, 2018 1:58 pm
Forum: Personal Consumer Issues
Topic: Alaska Cruise Suggestions
Replies: 23
Views: 2235

Re: Alaska Cruise Suggestions

We did an Alaska cruise in 2014 on Holland. A group of four in our early 60's, we were some of the youngest on the ship. Alaska is a "bucket list" for lots of folks so tons of older travelers. Each cruise line caters to different clients. Holland older, maybe affluent. Carnival families, Princess mo...
by CJC000
Wed Feb 07, 2018 1:44 pm
Forum: Personal Investments
Topic: Inheritance, Schwab, Vanguard, Confusion.
Replies: 10
Views: 1402

Re: Inheritance, Schwab, Vanguard, Confusion.

If you have a local Schwab office nearby, call and make an appointment with the agent. In an hour or less he can answer all your questions, move any funds, make sure naming and beneficiaries are correct on the Trust - - all for free. You can keep your Vanguard funds if you wish to in the Schwab acct...
by CJC000
Tue Jan 30, 2018 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Another Cancel Life Insurance Question
Replies: 7
Views: 861

Re: Another Cancel Life Insurance Question

Have you asked your wife?
I am in a similar situation and felt it was time to let my 20yr term lapse, wife said no, lets keep it...
by CJC000
Sun Jan 28, 2018 10:17 pm
Forum: Personal Investments
Topic: Annuity mistake -- what next?
Replies: 13
Views: 1838

Re: Annuity mistake -- what next?

He got a commission if you have a penalty to get out of the annuity unless you have some kind of a guarantee rider or something in your contract. In my experience a 7 yr penalty = 7% commission, 10 yr = 10%, no penalty, no commission, etc. The 5% penalty is no big deal, the fees are more than that i...
by CJC000
Tue Jan 23, 2018 2:22 pm
Forum: Personal Consumer Issues
Topic: SoCal Ipe deck cost?
Replies: 17
Views: 1488

Re: SoCal Ipe deck cost?

We have a 900sq foot 5/4 Mahogany deck. It’s a maintenance nightmare. Unless your south facing deck will be covered, the sun will really damage the Ipe over time and it will need yearly upkeep, more as it ages. How the wood is placed is critical in the cost estimate. You need to use hidden fasteners...
by CJC000
Thu Jan 18, 2018 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: Stats on When People Take Social Security
Replies: 198
Views: 18731

Re: Stats on When People Take Social Security

I ran all the calculators, made Excel spreadsheets and read all I could about SS. My plan is to take SS at 66 based on our annual budget projections. AF pension and SS at 62 covers 90% of our budget. I would need to cover that 10% with 401K money for the foreseeable future. AF pension and SS at 66 c...
by CJC000
Fri Jan 05, 2018 2:53 pm
Forum: Personal Investments
Topic: Should we keep this variable annuity?
Replies: 65
Views: 5383

Re: Should we keep this variable annuity?

Thank you--yes, I will post what we decide to do and what advice we might get from the two advisors I may reach out to. (The two websites mentioned earlier in this thread.) We were also told that at a certain point the surrender fee was the same as the fees to keep the product, but we just kept sta...
by CJC000
Fri Jan 05, 2018 12:59 pm
Forum: Personal Investments
Topic: Should we keep this variable annuity?
Replies: 65
Views: 5383

Re: Should we keep this variable annuity?

We were sold four annuities from 2007-13 by our “friend” advisor totaling over $400K. Three of them were in IRA’s! I retired in 2014 and started looking more carefully into them and realized how misled and foolish I had been. I have a good pension so didn’t need to buy this kind of product at all. W...
by CJC000
Fri Jan 05, 2018 10:59 am
Forum: Personal Investments
Topic: Should we keep this variable annuity?
Replies: 65
Views: 5383

Re: Should we keep this variable annuity?

Your story is classic for greedy FA’s to prey on: recent market decline, job insecurity, and fear . No expert here, but this is what I see: Brighthouse AA 60 performance as of 11/30/17: 1yr=8%, 3yr=3.14%, 5yr=6.22%, 10yr=4.01% SSGA ETF: 1yr=13.19%, 3yr=3.80%, 5yr=6.97%, 10yr=3.93% OK, not the best b...
by CJC000
Wed Jan 03, 2018 8:26 pm
Forum: Investing - Theory, News & General
Topic: Non Public-traded REIT nightmare continues
Replies: 18
Views: 3609

Re: Non Public-traded REIT nightmare continues

+1000 We were sold three of these horrible products by our now fired “trusted advisor”. Come to find out he made a 10% immediate commission on the sale and may have had a trail on them also. One went public (NYRT) which we sold after a few months and actually made a small profit, it has tanked since...
by CJC000
Sat Dec 16, 2017 5:55 pm
Forum: Investing - Theory, News & General
Topic: 2nd million is easier!
Replies: 123
Views: 28948

Re: 2nd million is easier!

"It's mathematically easier to earn the second million because far less compounding is needed."

Exactly like the SR 71 Blackbird: The faster it goes, the faster it goes faster!

Well done!!
by CJC000
Mon Oct 30, 2017 9:52 pm
Forum: Personal Consumer Issues
Topic: Fuel treatments for small engines
Replies: 32
Views: 3782

Re: Fuel treatments for small engines

Never let small engines with fuel containing ethanol sit for any length of time. They will run fine at first, but the fuel will not keep, corrodes the fuel bowl and other small components of the carburetor. My local Stihl dealer won't let a power tool leave his store unless you promise to use ethano...
by CJC000
Wed Sep 27, 2017 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: I inherited a life insurance policy that is upside down?
Replies: 21
Views: 2965

Re: I inherited a life insurance policy that is upside down?

Call the Insurance Company and ask them. As the owner now you have total control over the policy, they will give you your cash out value and also tell you what portion will be taxable as capital gains and if there is a loan against the policy. Unless the previous owner (?) took out a loan on the pol...
by CJC000
Sat Apr 22, 2017 8:21 pm
Forum: Personal Consumer Issues
Topic: Any golfers played Bandon Dunes on the Oregon coast?
Replies: 5
Views: 969

Re: Any golfers played Bandon Dunes on the Oregon coast?

Not a golfer but have been to Bandon and the Bandon Dunes many times. Beautiful area, can’t see much of the courses unless you play. No carts and I think you will need a caddy. DW and her friends have an annual retreat in Bandon and eat at the restaurant, usually the only women there, wonderful view...
by CJC000
Fri Apr 14, 2017 3:03 pm
Forum: Personal Consumer Issues
Topic: Washer/dryer suggestions?
Replies: 46
Views: 7543

Re: Washer/dryer suggestions?

Our next W/D will be Speed Queen. Commercial quality, metal gears not plastic. Built to last.
All the big box models (Samsung, LG, etc) are plastic junk with fancy fronts and little used cycles with tons of buttons...
by CJC000
Thu Mar 30, 2017 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: When do you plan to die?
Replies: 164
Views: 17538

Re: When do you plan to die?

When you apply for life insurance, some of the first questions they ask usually deal with family history. It must be very important to their underwriters.
My father died at 48 yrs, older brother at 52. I'm 63 so I'm thankful to just take it one day at a time...
by CJC000
Sun Mar 26, 2017 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Is there any downside to Home Equity line of credit even if we won't use it immediately?
Replies: 24
Views: 4835

Re: Is there any downside to Home Equity line of credit even if we won't use it immediately?

I made the mistake of waiting on a HELOC! I liked the idea of having a line of credit available as an emergency even if I rarely used it. I applied for one after I retired and I did NOT qualify!! The banks need documented income to quality. I was using non-qualified savings, waiting on SS, seven fig...
by CJC000
Sun Mar 26, 2017 11:44 am
Forum: Personal Consumer Issues
Topic: John Deere 1025R with Mower
Replies: 10
Views: 3142

Re: John Deere 1025R with Mower

Oh, and when mowing hills be sure to take the front bucket off, it's a lot less tippy then...
by CJC000
Sun Mar 26, 2017 11:33 am
Forum: Personal Consumer Issues
Topic: John Deere 1025R with Mower
Replies: 10
Views: 3142

Re: John Deere 1025R with Mower

I have a JD 2210 with a 62" mid mount mower deck that we use to keep the grass/weeds down on 6+ acres. We have lots of oak trees, hills and other obstacles. I really abuse this mower and it performs beautifully. The blades last years, I sharpen annually, and replacement costs ~$75 for a set of three...
by CJC000
Sat Mar 25, 2017 1:12 pm
Forum: Personal Consumer Issues
Topic: Anyone replaced a pickup with an SUV?
Replies: 35
Views: 8693

Re: Anyone replaced a pickup with an SUV?

The new Honda Ridgeline may be worth a look. The "Black Edition" looks pretty nice. It is supposed to have a bigger bed than the Tacoma and Colorado.
by CJC000
Sat Mar 25, 2017 11:02 am
Forum: Personal Consumer Issues
Topic: Anyone replaced a pickup with an SUV?
Replies: 35
Views: 8693

Re: Anyone replaced a pickup with an SUV?

I'm waiting to trade in my 05 F150 for the Ford Ranger coming out in 2018. Not sure of the bed size but the specs should be available online. Not a SUV but smaller than a full size truck.