Search found 41 matches

by ZapRowsdower
Fri Nov 20, 2020 3:47 pm
Forum: Personal Investments
Topic: Input needed-Should I open a taxable account?
Replies: 10
Views: 882

Re: Input needed-Should I open a taxable account?

I appreciate all of the responses. Yes, it was a typo :oops: . Corrected to 401(k). Unfortunately, a mega backdoor roth is not an option for us. The pensions are in addition to social security. Based on the feedback, it sounds like a taxable at 80/20 or 100% VTSAX would be a good approach? I'd go 1...
by ZapRowsdower
Fri Oct 16, 2020 9:42 am
Forum: Personal Consumer Issues
Topic: Appliance purchase - Brand & Store Strategy
Replies: 20
Views: 1612

Re: Appliance purchase - Brand & Store Strategy

May or may not apply to your particular case, but do you have access to any kind of employer discount plan for major appliances? Our dishwasher recently died(13+ years old) and no matter where I looked I couldn't get any of the models I wanted in less than 6-8 weeks. I checked my employers discount ...
by ZapRowsdower
Wed Sep 30, 2020 9:36 am
Forum: Personal Consumer Issues
Topic: Motion Detector Lights:
Replies: 20
Views: 1628

Re: Motion Detector Lights:

One consideration for me is how hard they are to reach if adjustments are needed. Bulb replacements you'd have to do either way... I struggled through many different brands of these on my house, until I found these: RAB Lighting STL360HBW They are worlds better than the ones they replaced, I had so ...
by ZapRowsdower
Wed Sep 30, 2020 9:27 am
Forum: Personal Consumer Issues
Topic: Buying an elliptical machine - please recommend
Replies: 15
Views: 1299

Re: Buying an elliptical machine - please recommend

I've had a Sole E35 for about 6 years now, used multiple times per week by multiple people for the most part. There are certainly weeks with nice weather where we exercise outside instead... I had one issue early on with one of the glides that the wheels ride on, Sole replaced it without much hassle...
by ZapRowsdower
Fri Aug 28, 2020 9:52 am
Forum: Personal Consumer Issues
Topic: Itching for AirPod Pro
Replies: 32
Views: 2904

Re: Itching for AirPod Pro

I've had the pros for a couple months now, I really struggled with laying out this much money for headphones beforehand. I have zero regrets with my purchase. I bought mine to use for working from home, I'm on webex or slack calls anywhere from 6-8 hours per day. They have been excellent for this, f...
by ZapRowsdower
Tue May 05, 2020 12:48 pm
Forum: Personal Consumer Issues
Topic: Best [BBQ grill] for the money?
Replies: 94
Views: 6920

Re: Best [BBQ grill] for the money?

Thank you for that write up. You sound like quite the grilling enthusiast! Quick question. How would you describe cooking on the griddle vs a normal BBQ? DW feels like a griddle would be similar to cooking on a flat top in a pizza shop, would get the job done but may not be the same as BBQ'ing on a...
by ZapRowsdower
Thu Jan 30, 2020 9:23 am
Forum: Personal Consumer Issues
Topic: Bench seats vs captains chairs in SUV second row?
Replies: 32
Views: 8780

Re: Bench seats vs captains chairs in SUV second row?

Friends, I'm considering a new 3-row SUV and the second row seating options are either bench seats or 2 captain's chairs. I would rarely have more than 4 people in the vehicle, including myself as the driver. For those of you who have second row captain's chairs, do you miss having a bench seat? Th...
by ZapRowsdower
Thu Oct 17, 2019 8:21 am
Forum: Personal Consumer Issues
Topic: Help me find some high quality cargo pants.
Replies: 63
Views: 6775

Re: Help me find some high quality cargo pants.

I like Prana cargo pants. I've gone on 100+ mile bike trips in their Zion pants and numerous hikes. This is my recommendation. I have several pair of Prana's Zion pants and they're excellent. I wouldn't wear them in a social setting though...unless you're already married or are not interested in at...
by ZapRowsdower
Mon Sep 09, 2019 10:57 am
Forum: Personal Consumer Issues
Topic: Did humanity ever make good Gas cans
Replies: 70
Views: 7025

Re: Did humanity ever make good Gas cans

Another vote for No Spill. My 5 gallon container went 8 or 9 years before I had to replace the top at a cost of about 12 bucks. I have the smaller 1.25 gallon No Spill now as well with the small extension hose. Easy to use and they don't make a mess, even has that apple like push button to let out t...
by ZapRowsdower
Wed Aug 14, 2019 8:44 am
Forum: Personal Consumer Issues
Topic: Portable gas tank
Replies: 7
Views: 714

Re: Portable gas tank

"No Spill" (brand) is more expensive but much better than the usual cheap cans. It stays sealed so less evaporation and potential for spills, as the name says. +1 - I replaced all of my cans with No Spill ones many years ago. I had to replace the cap on my 5 gallon one after 8 years or so...
by ZapRowsdower
Fri Aug 09, 2019 8:29 am
Forum: Personal Consumer Issues
Topic: which stud finder?
Replies: 52
Views: 3738

Re: which stud finder?

I went through several cheap ones before I found this one and threw all the rest away. It is awesome and better than any other I've used by a longshot. https://www.homedepot.com/p/Franklin-Sensors-Professional-Stud-Finder-FS710-02B/302886762?cm_mmc=Shopping%7CG%7CBase%7CD25T%7C25-1_HAND+TOOLS%7CNA%...
by ZapRowsdower
Thu Aug 08, 2019 7:51 am
Forum: Personal Finance (Not Investing)
Topic: Mentoring in the office - what to expect?
Replies: 25
Views: 3291

Re: Mentoring in the office - what to expect?

As others have said, be careful not to badmouth coworkers, managers, reports etc. As far as what TO do, I'd recommend talking with them about your career goals and see if they can give you advice to help you get there. You could also ask them what their career path was and if there's anything they'd...
by ZapRowsdower
Tue Jul 16, 2019 6:22 am
Forum: Personal Consumer Issues
Topic: Buying a Smoker
Replies: 154
Views: 13538

Re: Buying a Smoker

Glad to hear you stuck with it and took the plunge OP, welcome to the tastiest hobby you can have! I'll be interested to see where you're at in a few months or a year, you'll be a pro by then :sharebeer
by ZapRowsdower
Wed Jul 10, 2019 12:41 pm
Forum: Personal Consumer Issues
Topic: Buying a Smoker
Replies: 154
Views: 13538

Re: Buying a Smoker

An option I haven't seen mentioned yet(apologies if I missed it) is a Pit Barrel Cooker.(https://pitbarrelcooker.com/) I have several other grills and smokers, including an 18" Weber Smokey Mountain, 3 different weber kettle grills and a weber gas grill, and each is great for certain things. Wh...
by ZapRowsdower
Fri Apr 26, 2019 3:34 pm
Forum: Personal Consumer Issues
Topic: Wifi extenders vs Mesh network
Replies: 54
Views: 4836

Re: Wifi extenders vs Mesh network

I've tried it both ways. I started out with a wifi extender that was a nightmare of reboots and confused phones not knowing when to be on each network no matter how many times I tweaked things. I finally got fed up with this and went with the Google Mesh system and couldn't be happier with it. Piece...
by ZapRowsdower
Tue Nov 06, 2018 4:37 pm
Forum: Personal Consumer Issues
Topic: Need ideas for unusual gifts for preteen boy
Replies: 27
Views: 1945

Re: Need ideas for unusual gifts for preteen boy

A successful gift strategy I've used with my son(now 16) for years is to give him things that will encourage us to spend time together. For example, one year I got him camping gear for our yearly trips together, it really got him excited for our first trip that spring. Another year an RC truck(Traxx...
by ZapRowsdower
Tue Sep 25, 2018 7:14 am
Forum: Personal Consumer Issues
Topic: Oil change interval for low-mileage vehicles
Replies: 89
Views: 13417

Re: Oil change interval for low-mileage vehicles

I'm in the same boat as you, I'm a telecommuter and put about 4k per year on my vehicle. My service manual recommends once per year or every 10k with synthetic, bumping that up to once every 6 months or 5k if you have frequent short trips. A fair amount of my trips are short, so I stick with their r...
by ZapRowsdower
Fri Sep 21, 2018 9:27 am
Forum: Personal Consumer Issues
Topic: Need iPhone case recommendations
Replies: 19
Views: 1436

Re: Need iPhone case recommendations

Another vote for the OtterBox Defender, if available for your phone. I've had one of these on every iPhone I've owned for the last 8 years and never had so much as a scratch on them under the case. I've dropped or accidentally thrown my phones many times in these and wouldn't own a phone without one...
by ZapRowsdower
Tue Jul 24, 2018 7:29 am
Forum: Personal Consumer Issues
Topic: New mailbox and post, plus install
Replies: 16
Views: 1374

Re: New mailbox and post, plus install

ETA: Looks like someone posted while I was writing this that is using the same setup, two votes for the easy way :happy My mailbox was installed with something similar to this: https://www.homedepot.com/p/Simpson-Strong-Tie-12-Gauge-Black-Powder-Coated-E-Z-Spike-FPBS44/100655352. The one I have does...
by ZapRowsdower
Mon Jul 16, 2018 3:33 pm
Forum: Personal Consumer Issues
Topic: How much did your braces/invisalign braces cost?
Replies: 32
Views: 4856

Re: How much did your braces/invisalign braces cost?

First kid was about 6500, second kid was 6200 as they gave me a family discount. I shopped around some, and prices didn't vary all that much around here. Might be dependent on location. I will say that the orthodontist we chose has been wonderful and I'm glad I didn't shop by price alone. FWIW one w...
by ZapRowsdower
Tue Jul 03, 2018 10:49 am
Forum: Personal Consumer Issues
Topic: How do I fix my heating bill?
Replies: 73
Views: 3926

Re: How do I fix my heating bill?

Have you considered adding a pellet stove if burning wood isn't an attractive option? It does require some work and delivery/storage/moving of pellets, but electricity usage to run it should be minimal. You can get a model with a thermostat that would allow you to regulate temperature pretty well. Y...
by ZapRowsdower
Mon Jun 04, 2018 7:56 am
Forum: Personal Finance (Not Investing)
Topic: What have you tapped your emergency fund for?
Replies: 15
Views: 2054

Re: What have you tapped your emergency fund for?

Medical expenses for me(hospital visit), two sets of braces(discount if paid in full up front) for my children.
by ZapRowsdower
Fri Apr 06, 2018 9:39 am
Forum: Personal Consumer Issues
Topic: Waterbury, Stowe, Burlington, VT
Replies: 12
Views: 1137

Re: Waterbury, Stowe, Burlington, VT

I visit Burlington pretty frequently for work and the farmhouse(http://www.farmhousetg.com/) is a place that I always stop at. They have a great selection of beers on tap, and the food is good too, although a bit pricey. If you're looking for a great sandwich shop, check out Martones over in Essex.
by ZapRowsdower
Tue Mar 27, 2018 3:52 pm
Forum: Personal Consumer Issues
Topic: Recurring brake rotor problem
Replies: 31
Views: 2612

Re: Recurring brake rotor problem

I had to put a 4' cheater pipe on my lug wrench to loosen them after I had new tires installed. I'd avoid wherever you had the install done. 80 foot pounds is about average for max torque on lug nuts. This requires only about 9 inches of lug wrench for an average person. Putting lug nuts on with a ...
by ZapRowsdower
Mon Mar 26, 2018 3:33 pm
Forum: Personal Consumer Issues
Topic: Recurring brake rotor problem
Replies: 31
Views: 2612

Re: Recurring brake rotor problem

Severe over tightening of the lug nuts can cause this over time. Those lug nuts should be tightened to a manufacturer specified range of ft lbs. Many mechanics put an impact gun on them and crank the snot out of them. Sometimes this can be 1.5x, 2x or more of the requirements. I've seen professiona...
by ZapRowsdower
Mon Jan 22, 2018 2:51 pm
Forum: Personal Consumer Issues
Topic: Cutting cable
Replies: 51
Views: 4568

Re: Cutting cable

We already had Netflix and Amazon Prime channels, so with Sling we get most of what we want. Sling is a good interface, feels like a modern interpretation of the cable box. Sometimes the interface is a bit slow. They do their own ad insertion on some networks which can be annoying (playing the same...
by ZapRowsdower
Fri Jan 12, 2018 1:27 pm
Forum: Personal Consumer Issues
Topic: 0W-20 Synthetic Motor Oil
Replies: 58
Views: 8439

Re: 0W-20 Synthetic Motor Oil

The last couple years Mobil has been doing a rebate offer in the spring..$12 back for each of (max 2) 5 quart jugs. Basically 50% off. I use 0w-20 Mobil 1 in my Toyota 5.7L and will be looking for the rebate again this year.. This is exactly what I do, they've been pretty consistent the last few ye...
by ZapRowsdower
Wed Nov 08, 2017 8:23 am
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 244
Views: 38887

Re: How old are you and how much do you save for retirement a year

I'll be 39 next week, currently have: 416k in 401k(This would be much more, but I'm still recovering from a divorce) 13k in Roth 10k in HSA 63k in Taxable Savings each year: 18k in 401k plus ~10k employer match 5500 in Roth 6750 in HSA 2400 in 529s 17k in Taxable So total for me is about 50k plus my...
by ZapRowsdower
Tue Nov 07, 2017 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Poll-How much do you have in your HSA?
Replies: 50
Views: 6786

Re: Poll-How much do you have in your HSA?

Started in 2015, currently have ~10k, all invested in FSTMX. This is the first year I've maxed it out, and it's all thanks to this forum where I learned what an amazing account it is. I'll continue to max it out every year unless unforeseen circumstances pop up, and I'll continue to save receipts an...
by ZapRowsdower
Mon Nov 06, 2017 2:01 pm
Forum: Personal Consumer Issues
Topic: Got an iPhoneX
Replies: 157
Views: 16299

Re: Got an iPhoneX

@masterakeph, good point about TouchID after washing hands or taking a shower. Current owners, what case and screen protector did you select? I usually don’t spring for the insurance, but those screen repair prices are scary. I've always used Otterbox Defender. Tough as nails. I have one on my iPho...
by ZapRowsdower
Mon Nov 06, 2017 1:52 pm
Forum: Personal Consumer Issues
Topic: I Cut the Cord yesterday!
Replies: 51
Views: 5998

Re: I Cut the Cord yesterday!

Just wanted to say loud and proud that I finally cut the cord from cable yesterday! I now only get internet from Spectrum and we have youtube TV (I had to have access to ESPN) for our channels along with hulu and netflix. It feels great to return all of the equipment to Spectrum. It was funny becau...
by ZapRowsdower
Thu Sep 28, 2017 8:55 am
Forum: Personal Consumer Issues
Topic: liability of selling used car
Replies: 14
Views: 2738

Re: liability of selling used car

I just went through this same decision process with my old truck that I used for around the house chores. Still ran well, but was rusty and had some issues. I decided to take the loss and just donate it instead of dealing with the sale, might have cost me 1000-1500 to do so, but to me it wasn't wort...
by ZapRowsdower
Thu Aug 10, 2017 12:47 pm
Forum: Investing - Theory, News & General
Topic: What Percentage CASH are you?
Replies: 168
Views: 22414

Re: What Percentage CASH are you?

3% - In emergency funds, in a savings account.
by ZapRowsdower
Wed Aug 02, 2017 8:07 am
Forum: Personal Consumer Issues
Topic: Any problem leaving a hole in ceiling of garage?
Replies: 27
Views: 5030

Re: Any problem leaving a hole in ceiling of garage?

How about one of these?

https://www.amazon.com/Oatey-34044-Acce ... B005SRVJ0U

Not sure if this is approved for a garage ceiling since it isn't airtight, but I've used these in many places that I've updated plumbing so I can get back in if need be.
by ZapRowsdower
Thu Apr 20, 2017 1:31 pm
Forum: Personal Consumer Issues
Topic: Should I purchase Apple Care for my new Apple Watch?
Replies: 25
Views: 7753

Re: Should I purchase Apple Care for my new Apple Watch?

I've had a series 1 watch for about 15 months now and I've had no damage or issues with it. I wear it while chopping firewood, painting, working on cars etc, so it's certainly not babied. I did buy a bumper style case for it that I think really cuts down on how many things I knock it into. If/when i...
by ZapRowsdower
Tue Jan 17, 2017 8:14 am
Forum: Personal Consumer Issues
Topic: Heavy duty cordless drill/hammerdrill recommendation
Replies: 42
Views: 4626

Re: Heavy duty cordless drill/hammerdrill recommendation

I have a Bosch 18v cordless hammerdrill that I bought along with an impact driver and can't say enough good things about it. I upgraded from a Milwaukee set that I also loved, but couldn't find batteries for a reasonable price anymore. The Bosch in my opinion just feels better in your hand and the b...
by ZapRowsdower
Fri Dec 02, 2016 8:36 am
Forum: Personal Consumer Issues
Topic: Rock hit car windshield, where to repair?
Replies: 24
Views: 3767

Re: Rock hit car windshield, where to repair?

Another vote for Safelite, I've had them replace windshields both out of pocket and through my insurance in the past with great results and zero inconvenience. As far as replace vs repair, one thing to consider is that with an area that large, you may try a repair and then end up replacing down the ...
by ZapRowsdower
Fri Dec 02, 2016 8:32 am
Forum: Personal Consumer Issues
Topic: Lexus (and Toyota) Owners --- Routine Service ??
Replies: 29
Views: 5670

Re: Lexus (and Toyota) Owners --- Routine Service ??

I bought a new Toyota Highlander last year that came with 2 years of free maintenance(upped to 3 because of some issues with the purchase process). Because of this, it's the first vehicle I've taken to the dealership for service. Working from home, my visits are time based instead of mileage, so my ...
by ZapRowsdower
Tue Nov 08, 2016 3:35 pm
Forum: Personal Consumer Issues
Topic: Battery backup for cable modem and router.
Replies: 36
Views: 12575

Re: Battery backup for cable modem and router.

Dottie57 wrote:
What a great 2 in 1 idea. Car and office. Thanks!
You're very welcome Dottie!
by ZapRowsdower
Tue Nov 08, 2016 9:16 am
Forum: Personal Consumer Issues
Topic: Battery backup for cable modem and router.
Replies: 36
Views: 12575

Re: Battery backup for cable modem and router.

I work from home and need to stay connected when the power goes out. For short durations I don't bother getting my generator out. Instead I rely on a portable jump starter/power station which I already have for use when camping or jumping a car if noone else is home. To do this I have my cable modem...