Search found 189 matches

by bighatnohorse
Fri Nov 15, 2019 10:55 pm
Forum: Personal Consumer Issues
Topic: Best thing you have ever bought?
Replies: 151
Views: 12681

Re: Best thing you have ever bought?

Kubota tractor with front end loader and backhoe.
by bighatnohorse
Tue Nov 12, 2019 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: Looking at buying a foreclosure Dallas area cash
Replies: 21
Views: 1692

Re: Looking at buying a foreclosure Dallas area cash

When I was looking at foreclosed properties in 2011 I found some that were intentionally damaged by the former owners that were angry at the bank. Holes punched in walls, concrete poured down drains, wiring pulled from walls, etc. That sort of thing may in the past but watch out.
by bighatnohorse
Sun Nov 10, 2019 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: WSJ: Underwater Car Loans
Replies: 38
Views: 2346

Re: WSJ: Underwater Car Loans

It's easy to sink that much money into a car loan. We bought a new 1-ton pickup truck with diesel engine and lots of goodies - cost: $70,000. (in 2015) The financing was pretty good - so we made a large down payment - and put the rest of our cash into investments returning more than the loan cost. A...
by bighatnohorse
Wed Nov 06, 2019 10:49 pm
Forum: Personal Finance (Not Investing)
Topic: Best month to take RMDs?
Replies: 86
Views: 4649

Re: Best month to take RMDs?

I simply believe in leaving the money working for as long as possible before withdrawing it.
A "high tide" withdrawal would be nice, but like the tides, the timing is not a repeatable "set it and forget" thing.
by bighatnohorse
Thu Aug 29, 2019 5:23 pm
Forum: Investing - Theory, News & General
Topic: How Bad was 2008, really?
Replies: 355
Views: 44436

Re: How Bad was 2008, really?

One of Vanguard's managed payout funds which launched in 2008 got hammered so bad that it is no longer in existence.
It was very, very poor timing for many.
by bighatnohorse
Mon Aug 26, 2019 8:19 am
Forum: Personal Consumer Issues
Topic: Desk: Where can I found one like this?
Replies: 16
Views: 1956

Re: Desk: Where can I found one like this?

Click the link at the top of this page where it says "Amazon" and then type in their search box "solid wood writing desk".
by bighatnohorse
Sat Aug 24, 2019 9:29 am
Forum: Personal Investments
Topic: Sudden infusion of cash “problems”
Replies: 26
Views: 2487

Re: Sudden infusion of cash “problems”

What would you guys do with a sudden 1,000,000. Should I pay off mortgage? What percent bonds? What vanguard bond funds. I’m in the 40% tax bracket. 5% state. With the uncertainty of a president wanting to boycott China and the 10% market drop of August I’m thinking about putting 90% vwalx muni bon...
by bighatnohorse
Mon Aug 19, 2019 8:52 am
Forum: Personal Consumer Issues
Topic: RV purchase ?
Replies: 86
Views: 6267

Re: RV purchase ?

I would not spend that kind of money just to learn if I liked camping. You and your's might hate it. If you're already doing a fair amount of tent camping, then you know. . .you're looking for fewer logistic hassles, thus an RV. Life's issue tend to crowd out things with less passion. For me, it's a...
by bighatnohorse
Wed Aug 07, 2019 9:16 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12414
Views: 2144684

Re: U.S. stocks in free fall

This is the time to sell. (think: lower capital gains)
And buy. It's called "re-balancing".

And those with annuities can pat themselves on the back.
by bighatnohorse
Mon Jul 29, 2019 9:46 pm
Forum: Personal Consumer Issues
Topic: Your Favorite [Travel Destination] on Earth: Where and Why?
Replies: 184
Views: 21766

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

What place on planet earth calls to you from afar, and where do you daydream of being (somehow, someday)? I can't say that it calls to me or that I daydream of it, but: Patagonia : Estancia Cristina - and take the Jeep trip out to the glacial lake and basalt bedrock of the earth. A FANTASTIC place....
by bighatnohorse
Thu Jul 25, 2019 8:37 am
Forum: Personal Finance (Not Investing)
Topic: How do you deal with looking bad compared to others?
Replies: 77
Views: 5507

Re: How do you deal with looking bad compared to others?

. . .Any ideas on how you guys deal with this or fix? I know I shouldn't worry about keeping up appearances or impressing people, but when I see how these comments make my family feel, I feel I should do something but I can't think of what. Ignore the external - you can't change that. Discuss with ...
by bighatnohorse
Fri Jul 19, 2019 9:40 am
Forum: Personal Investments
Topic: Variable Annuity Question
Replies: 8
Views: 568

Re: Variable Annuity Question

Your TIAA annuity probably has within it, four separate contracts (if it's like mine). I found it virtually impossible to do anything with their investment plan except to annuitize it. Transferring it, or even cashing it all out was virtually impossible. Here's a tip; Call TIAA and try to explain yo...
by bighatnohorse
Wed Jul 17, 2019 9:37 am
Forum: Personal Finance (Not Investing)
Topic: House not appraising for amount we were offered!
Replies: 137
Views: 15066

Re: House not appraising for amount we were offered!

What exactly should I do?? I'm willing to come down to 250k, thoughts?? Accept the offer. The buyer may have enough cash to pay in full. The bank will still give him/her the money but only up to a certain point. Some people carry a small mortgage just for maintaining a current credit rating. If I w...
by bighatnohorse
Sun Jul 14, 2019 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: How to maneuver insurance claim between adjuster's estimate and contractor's quote
Replies: 6
Views: 673

Re: How to maneuver insurance claim between adjuster's estimate and contractor's quote

Your insurance agent should understand. And he should accept the contractor's estimate. (The damage inspector probably missed something).
My experience with an RV repair was left to me as to what I wanted to do in terms of choosing a repair contractor and cost. I chose the cash out. YMMV
by bighatnohorse
Fri Jul 12, 2019 8:47 am
Forum: Personal Consumer Issues
Topic: Vaping: Did it work for you?
Replies: 2
Views: 618

Vaping: Did it work for you?

Has anyone been a cigarette smoker that switched to vaping? And what results did you experience? I'm asking because I'm thinking of sending a vaping starter kit to an old friend that is a long time smoker (at 62, he's already diagnosed with COPD). He is the inquisitive and innovative sort of person....
by bighatnohorse
Wed Jul 10, 2019 9:38 am
Forum: Personal Consumer Issues
Topic: When to use a fuel stabilizer - for cars, boats, lawn mowers, etc?
Replies: 47
Views: 3543

Re: When to use a fuel stabilizer - for cars, boats, lawn mowers, etc?

Never ever use fuel stabilizer. I've always use best premium gasoline. Never had any problems. . .even after a two year hiatus with a weed wacker. Experience based on; Honda 250 scooter, Honda generator, Generac, multiple weed wackers, John Deer riding lawn mowers, Stihl leaf blower, Makita chainsaw...
by bighatnohorse
Fri Jul 05, 2019 9:40 am
Forum: Personal Consumer Issues
Topic: Credit card Travel Accident Insurance discontinued?
Replies: 4
Views: 658

Credit card Travel Accident Insurance discontinued?

I received a letter from two different credit card companies regarding terms of " your Credit Card Agreement ". In addition to the usual stuff about late fees, overdraft, etc., there is a paragraph about: BENEFIT CHANGE Travel Accident Insurance Effective October 1, 2019, we will no longer offer Com...
by bighatnohorse
Fri Jul 05, 2019 9:26 am
Forum: Personal Consumer Issues
Topic: Cleaning bugs off car bumper
Replies: 32
Views: 2839

Re: Cleaning bugs off car bumper

Hot, hot water - and soap. Apply repeatedly to bring the cool metal surface up to temperature and most of the bugs will easily wash off.
by bighatnohorse
Wed Jun 26, 2019 9:55 am
Forum: Personal Consumer Issues
Topic: Clearing undergrowth and bush
Replies: 37
Views: 2683

Re: Clearing undergrowth and bush

I had a backyard full of 12-foot old growth blackberry bushes (a very invasive species around here). A hedge trimmer is not an appropriate tool - especially if there are the odd downed branch or two mixed in with the growth. Get a chain saw - an electric one - corded or battery. (Gas powered if you'...
by bighatnohorse
Wed Jun 12, 2019 12:58 pm
Forum: Personal Consumer Issues
Topic: 50 or 75 gallon water heater?
Replies: 67
Views: 4983

Re: 50 or 75 gallon water heater?

My experience is that 50 gallons will deliver four adult showers of moderate duration.
From your description, I would recommend the 75 gallon unit.
by bighatnohorse
Mon Jun 10, 2019 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: How to donate to a non profit organization anonymously?
Replies: 22
Views: 1925

Re: How to donate to a non profit organization anonymously?

An alternative for the charity minded: Make them the beneficiary on your Vanguard mutual fund, etc. You will need to have the charities TAX ID # Some charity websites have the Tax ID number on the website. Others, such as World Vision you will have to call and they will send you a protocol that incl...
by bighatnohorse
Mon Jun 10, 2019 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Costco Visa credit limit
Replies: 48
Views: 3573

Re: Costco Visa credit limit

Does your Costco sell heating/AC units? Those vendors usually pitch using the Costco credit card so that you can get a huge rebate. Chat with one of them and see is they would accept your card limit. A heat pump / AC unit cost around $13,000 . . .
by bighatnohorse
Mon Jun 10, 2019 9:03 am
Forum: Personal Consumer Issues
Topic: How to get good at a racket sport without coaching?
Replies: 43
Views: 1650

Re: How to get good at a racket sport without coaching?

YouTube - have you checked it out?
by bighatnohorse
Sun Jun 02, 2019 9:46 am
Forum: Personal Consumer Issues
Topic: What to do with old unused laptops?
Replies: 17
Views: 2086

Re: What to do with old unused laptops?

I too remove the hard drive and drill a hole through it. Then discard.
by bighatnohorse
Sat Jun 01, 2019 9:55 am
Forum: Personal Consumer Issues
Topic: Painting Cabinets - Is it that hard ?
Replies: 38
Views: 3275

Re: Painting Cabinets - Is it that hard ?

Yes you have to sand. 90 percent of kitchens are finished in nitrocellulose lacquer. Paint does not stick to lacquer - well, it does for a little while but chips off very easily. You don't have to sand to bare wood, just enough sanding is need to break the lacquered surface tension and provide a goo...
by bighatnohorse
Sun May 26, 2019 9:48 pm
Forum: Personal Consumer Issues
Topic: Port Townsend-Pacific Northwest
Replies: 33
Views: 2844

Re: Port Townsend-Pacific Northwest

As a summer home, I think it would be great. But it depends on what you like to do. Shopping, not such a great place. Kayaking, boating, fishing, enjoying outdoors - it's pretty sweet. There are other resource there, but they are a bit hidden and you'd have to seek them out. It'd be worth renting fo...
by bighatnohorse
Fri May 24, 2019 9:35 pm
Forum: Personal Consumer Issues
Topic: Fly cross-country with a cat
Replies: 56
Views: 2332

Re: Fly cross-country with a cat

I've taken a cat to Alaska and back. Airline wanted a health certification with the last 30 days from a Vet (about $35. back then). The cat carrier had to fit under the seat - the smallest size turned out the best - the cat would actually turn around in it. I used a pee pad to line the bottom (not n...
by bighatnohorse
Fri May 24, 2019 8:41 am
Forum: Personal Investments
Topic: $400,000 gift to stepdaughter
Replies: 76
Views: 9189

Re: $400,000 gift to stepdaughter

. . . Ohio State University: Among baby boomers who inherited less than one-thousand dollars, slightly more than 40 percent spent their entire gift. For those who received $100,000 or more, that percentage declined to 18.7 percent. “Nevertheless, this means that almost one in five young baby boomers...
by bighatnohorse
Thu May 23, 2019 9:03 am
Forum: Personal Investments
Topic: $400,000 gift to stepdaughter
Replies: 76
Views: 9189

Re: $400,000 gift to stepdaughter

No. The $15,000 is not tax free. It will be treated as ordinary income. Here's one main difference: Give the $400,000 to SD outright and she faces a big tax liability. Disburse it to her over a period of years ($15,000 per yr) and her tax liability remains smaller (probably 24%) plus the invested b...
by bighatnohorse
Wed May 22, 2019 5:30 pm
Forum: Personal Investments
Topic: $400,000 gift to stepdaughter
Replies: 76
Views: 9189

Re: $400,000 gift to stepdaughter

No. The $15,000 is not tax free. It will be treated as ordinary income. Here's one main difference: Give the $400,000 to SD outright and she faces a big tax liability. Disburse it to her over a period of years ($15,000 per yr) and her tax liability remains smaller (probably 24%) plus the invested ba...
by bighatnohorse
Wed May 22, 2019 8:15 am
Forum: Personal Investments
Topic: $400,000 gift to stepdaughter
Replies: 76
Views: 9189

Re: $400,000 gift to stepdaughter

Thoughts on your investment plan: Well done. We can't control or know the future, so we take our best shot and I think yours is pretty good. We just finished a seminar on "giving". Large amounts of gift money, on average, is gone, used, finished by the recipient(s) within 17 months according to the ...
by bighatnohorse
Fri May 10, 2019 9:53 am
Forum: Personal Investments
Topic: Help with Unraveling Annuity from IRA
Replies: 7
Views: 980

Re: Help with Unraveling Annuity from IRA

John Hancock should be happy to speak with you. This happens all the time, you're not the only one. With your most recent statement in hand, call them. (Or have your wife make the call, since it is the account owner they want to speak with) Correctly express your concern about how the account is hel...
by bighatnohorse
Mon May 06, 2019 9:16 pm
Forum: Personal Investments
Topic: Has anyone invested in marijuana stocks?
Replies: 31
Views: 3210

Re: Has anyone invested in marijuana stocks?

Yes, an ETF: MJ - for the long haul.
by bighatnohorse
Fri May 03, 2019 9:47 am
Forum: Personal Consumer Issues
Topic: What non fiction book will you be reading in 2019?
Replies: 198
Views: 19811

Re: What non fiction book will you be reading in 2019?

GRANT by Ron Chernow - a biography. Extremely well done, captivating and very, very long.
by bighatnohorse
Mon Apr 22, 2019 1:57 pm
Forum: Personal Consumer Issues
Topic: Planning a trip to Africa the Boglehead way
Replies: 10
Views: 1046

Re: Planning a trip to Africa the Boglehead way

Thanks all. I was getting brochures - the "all inclusive" type safaris costing many thousands of dollars - like financial planner advertising with lots of fees. After a little more exploring (TripAdvisor) I can see many low cost competitive ways to visit the continent. I'll probably "blend" some of ...
by bighatnohorse
Sun Apr 21, 2019 9:17 am
Forum: Personal Consumer Issues
Topic: Is Crown Molding Out-of-Style?
Replies: 46
Views: 8839

Re: Is Crown Molding Out-of-Style?

. . . I think the woodwork is attractive (in a craftsman era home), but I'm sure there was some utilitarian reason for these things that is no longer needed with modern drywall. This. Old construction styles often needed trim to cover up irregularities. Newer methods are more precise and cover trim...
by bighatnohorse
Fri Apr 19, 2019 11:58 am
Forum: Personal Consumer Issues
Topic: Need vacuum recomendations
Replies: 41
Views: 4735

Re: Need vacuum recomendations

Shark. +1
by bighatnohorse
Mon Apr 15, 2019 12:04 pm
Forum: Personal Consumer Issues
Topic: Planning a trip to Africa the Boglehead way
Replies: 10
Views: 1046

Planning a trip to Africa the Boglehead way

Need a little help here. Africa is a huge continent and I think I want to visit places in Tanzania, Botswana and South Africa. My international experiences have found that many hotels can provide or arrange for tours and local experiences - much the same as a tour company would provide. And local gu...
by bighatnohorse
Mon Apr 15, 2019 11:31 am
Forum: Personal Consumer Issues
Topic: seriously thinking about leaving S. CA but where to?
Replies: 177
Views: 11526

Re: seriously thinking about leaving S. CA but where to?

Close to the beach, a SoCal climate, farthest from LA and San Diego would be Oceanside. Other than that, you're SOL. Further from the beach but possible candidates would be the sky islands of Arizona. These mountainous islands poke up from the desert floor and offer varying degrees of comfort, depen...
by bighatnohorse
Tue Apr 09, 2019 9:13 am
Forum: Personal Consumer Issues
Topic: Travel Health Insurance for Peru
Replies: 12
Views: 965

Re: Travel Health Insurance for Peru

We've used Generali Global Assistance and had one claim for a canceled trip in Patagonia (around $5K IIRC). We were reimbursed for the losses plus the additional un-planned lodging and food. While in Arequipa Peru I had fever and bronchial problems that knocked the krap out me and I visited a local ...
by bighatnohorse
Wed Apr 03, 2019 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Just Bought an Annuity
Replies: 188
Views: 20426

Re: Just Bought an Annuity

The tables are definitely tipped in favor of the insurance company, we know that. I've been playing with this calculator since wifey has a non-governmental 457b that has to be allocated pretty soon: https://capchoicecalculator.com/Design (you may have to back it up to https://capchoicecalculator.com...
by bighatnohorse
Sat Mar 30, 2019 9:22 am
Forum: Investing - Theory, News & General
Topic: Any Insurance Products better than the Stock Market?
Replies: 22
Views: 1894

Re: Any Insurance Products better than the Stock Market?

Insurance products may have state guarantees - sort of like insurance on insurance.
by bighatnohorse
Thu Mar 28, 2019 9:15 am
Forum: Personal Consumer Issues
Topic: Lifecare community - worth it?
Replies: 33
Views: 2441

Re: Lifecare community - worth it?

I'm no expert but have looked at one similar to that you describe. The 90% recoverable that you mention is probably for your initial buy-in amount - and not the future inflated sales price. So, if you have heirs, this may not be so good. I estimate that I would need a cash flow of about 3-4K more to...
by bighatnohorse
Mon Mar 18, 2019 6:56 pm
Forum: Personal Consumer Issues
Topic: Slow cooker vs Instant pot........
Replies: 62
Views: 4819

Re: Slow cooker vs Instant pot........

Yeah, the ramp up time required before actually cooking anything is too long. Slow cooker is my fav.
by bighatnohorse
Mon Mar 18, 2019 6:55 pm
Forum: Personal Consumer Issues
Topic: Visiting Tucson, AZ for 3 days - what to see?
Replies: 46
Views: 2069

Re: Visiting Tucson, AZ for 3 days - what to see?

Kartchner Caverns - especially if the temps pop upwards.
Saguaro National Park - West, and take the pass road into Tucson to/from SNP - there are turn-offs for the viewpoints.
by bighatnohorse
Mon Mar 11, 2019 9:30 am
Forum: Personal Investments
Topic: Kiplinger 6 portfolio
Replies: 3
Views: 1097

Re: Kiplinger 6 portfolio

Link to Portfolio Visualizer Comparison Thank you for that link. It could be that I don't properly use Portfolio Visualizer. Your link does a comparative modeling of three portfolios. I use different time period tests using only one portfolio at a time - I think PV puts a time constraint on multipl...
by bighatnohorse
Sun Mar 10, 2019 12:13 pm
Forum: Personal Investments
Topic: Kiplinger 6 portfolio
Replies: 3
Views: 1097

Kiplinger 6 portfolio

I've been back testing the "Kiplinger 6" portfolio model through Portfoliovisualizer.com and comparing it to other lazy portfolios and the 6 seems to beat the others during all time periods. (From the 2016 article : https://www.kiplinger.com/slideshow/investing/T041-S003-best-vanguard-funds-for-reti...
by bighatnohorse
Sat Mar 09, 2019 12:09 pm
Forum: Personal Investments
Topic: Vanguard platform is a mess ... UX-wise [User eXperience]
Replies: 65
Views: 6342

Re: Vanguard platform is a mess ... UX-wise [User eXperience]

Sometimes the browser will cache a page - try doing a hard refresh.
by bighatnohorse
Thu Mar 07, 2019 10:17 am
Forum: Personal Investments
Topic: Advice on How to Get Out of Illiquid Funds
Replies: 30
Views: 2295

Re: Advice on How to Get Out of Illiquid Funds

Just turn on the dividends and have them sent to your account. FS is not a bad company and has paid good dividends - just don't reinvest. FS may eventually liquidate. Benefit Street is a lost cause. They were formerly American Realty Trust and got themselves a black eye when some insiders played som...