Search found 133 matches

by ThreeBears
Thu Jun 04, 2020 12:53 pm
Forum: Personal Consumer Issues
Topic: E-Bike recommendations
Replies: 110
Views: 7331

Re: E-Bike recommendations

I bought a Juiced CrossCurrent S2. My only regret is not getting the CrossCurrent X.... mainly for the bigger battery (but it would have been around $700 more... not trivial). I'd like to average around 20 MPH for 20 miles (10 miles each way). I'm fine with pedaling. However, with the CCS2, the batt...
by ThreeBears
Wed May 13, 2020 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Second Mortgage Questions
Replies: 10
Views: 611

Re: Second Mortgage Questions

Have you tried to contact the second mortgage to see if they would extend the mortgage for an additional 15 years?

Many banks would do that. However, the fact that the servicer is not the owner may make such a negotiation very tricky.
by ThreeBears
Wed May 13, 2020 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: how much to charge for two large dogs at rental
Replies: 41
Views: 2603

Re: how much to charge for two large dogs at rental

Sorry if this is off topic.

I do not allow pets because I have hardwood floors. I'm upfront about this. It's never been a problem.

The extra $50/month is something to consider. But, it still wouldn't be worth it. You can't refloor a place for $1200 (2 years).
by ThreeBears
Wed May 13, 2020 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Companies that have a pension and 401k?
Replies: 63
Views: 3583

Re: Companies that have a pension and 401k?

Look at government entities or the few companies that are run like government entities that technically are not.
by ThreeBears
Tue May 12, 2020 9:11 pm
Forum: Personal Consumer Issues
Topic: Fence Paint Peeling
Replies: 26
Views: 1720

Re: Fence Paint Peeling

About 3 or 4 summers ago, I sanded the top (I think it's treated cedar) and reapplied the paint. it looked great. now it looks awful. I did not prime. I have no idea if prime will help. But, NOT-priming certainly didn't work. I doubt it is treated cedar. Cedar has rot resistant properties and doesn...
by ThreeBears
Tue May 12, 2020 9:05 pm
Forum: Personal Consumer Issues
Topic: Fence Paint Peeling
Replies: 26
Views: 1720

Re: Fence Paint Peeling

It's ridiculous how much some of you know. Thank you for all the advice.

I plan to try this myself.

1) Rent Power Sprayer
2) Power Wash
3) Sand
4) Prime
5) Paint

God, i'm tired just typing it out.
by ThreeBears
Tue May 12, 2020 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America unauthorized ATM withdrawal
Replies: 47
Views: 2374

Re: Bank of America unauthorized ATM withdrawal

Debit cards are covered by Regulation E, which provides significant consumer protection.... but there are time limits. If you feel the bank has wronged you, and ignored your request to investigate an alleged fraud, your next step is simple. Immediately complete a complaint with the CFPB. It may take...
by ThreeBears
Tue Apr 28, 2020 10:41 am
Forum: Personal Consumer Issues
Topic: Fence Paint Peeling
Replies: 26
Views: 1720

Re: Fence Paint Peeling

Sand and power wash. Then prime with Zinsser Peel Stop. Then paint. Prep is key. As you know, this is not a fun job :( About 3 or 4 summers ago, I sanded the top (I think it's treated cedar) and reapplied the paint. it looked great. now it looks awful. I did not prime. I have no idea if prime will ...
by ThreeBears
Tue Apr 28, 2020 10:32 am
Forum: Personal Consumer Issues
Topic: Fence Paint Peeling
Replies: 26
Views: 1720

Re: Fence Paint Peeling

Kenkat wrote:
Wed Apr 22, 2020 1:11 pm
What is the fence made of? That is a critical piece of information missing.
Treated wood.
by ThreeBears
Tue Apr 28, 2020 10:30 am
Forum: Personal Consumer Issues
Topic: House Siding for MN - LP / Hardie / Steel?
Replies: 12
Views: 1075

Re: House Siding for MN - LP / Hardie / Steel?

Strange. My house is in MN. We are working on several quotes for siding. The stainless steel quote was ridiculously expensive. $50,000. In general, I am not convinced that "forever" solutions are worth the accompanied hefty premiums. IMO, vendors pitching the forever solution are aiming at anxieties...
by ThreeBears
Wed Apr 22, 2020 8:45 am
Forum: Personal Consumer Issues
Topic: Fence Paint Peeling
Replies: 26
Views: 1720

Fence Paint Peeling

My fence paint is peeling after 4 years.

Any way to improve upon that in the future?

I had a paint guy out here yesterday, and he said it was to be expected.

But, I just can't imagine i need to repaint every 4 years. Seems crazy.
by ThreeBears
Fri Jan 03, 2020 9:33 am
Forum: Personal Finance (Not Investing)
Topic: How much were you able to save this year?
Replies: 142
Views: 10994

Re: How much were you able to save this year?

These posts are fun for the first 20, then they get a bit old. I always struggle with the categories 1) So, extra mortgage principal is savings (I pay around an extra $500 per month)? What about mortgage principal paid as part of 30-year amortization? 2) Is vested employer 401k matching part of gros...
by ThreeBears
Sat Dec 21, 2019 1:02 pm
Forum: Personal Consumer Issues
Topic: African Safari trip
Replies: 22
Views: 1594

Re: African Safari trip

What's the youngest aged kid you'd (anyone who's been there) bring on a safari trip?

Those links look amazing. I want to do a family vacation there.
by ThreeBears
Mon Dec 16, 2019 2:07 pm
Forum: Personal Investments
Topic: How much in 529 is enough to fund college?
Replies: 114
Views: 10728

Re: How much in 529 is enough to fund college?

I have no idea. College is expensive now and will get worse before it gets better. Where will it be in 12 years? I cannot predict. I assume it will not be free. I paid for daycare. After the kid left daycare for public kindergarten, I started putting $500/month in a 529. Prior to that, I put $200/mo...
by ThreeBears
Thu Dec 05, 2019 11:11 pm
Forum: Personal Finance (Not Investing)
Topic: how much to tip the cleaning lady
Replies: 76
Views: 5383

Re: how much to tip the cleaning lady

How did you have the misfortune to get hooked up with this outfit? Did you just go walking thru the Yellow Pages? Or did you have a recommendation from someone you trusted? Even then, know first-hand that doesn't always work either. Did she steal anything else? The company was a recent start up. An...
by ThreeBears
Wed Dec 04, 2019 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: how much to tip the cleaning lady
Replies: 76
Views: 5383

Re: how much to tip the cleaning lady

I used a small company that claimed to have insurance. When i reported the theft, he said he had recently canceled his insurance. Since it was theft and fraud, i didn't actually lose any money. The credit card covered the loss. I'm aware that the $$ should pay for more than the hourly rate. I just t...
by ThreeBears
Wed Dec 04, 2019 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: how much to tip the cleaning lady
Replies: 76
Views: 5383

Re: how much to tip the cleaning lady

Huh, I had a cleaning person. I thought she was expensive, and yet she was cheaper than many of these prices. Anyways, she stole my credit card. And now she no longer cleans for me. I doubt I'll hire someone again. In general, the rates were so high, I felt I had made the wrong career choice. Isn't ...
by ThreeBears
Sun Dec 01, 2019 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Chase - $500 to open business checking account. Worth it?
Replies: 12
Views: 2435

Re: Chase - $500 to open business checking account. Worth it?

agreed about the taxes . . . but I think i've used up most of the credit card deals for a while, as many including Chase have limited how often you can reapply.

Also, I like to think I have no major expense coming up for a few months . . . often i'm wrong about that prediction.
by ThreeBears
Fri Nov 29, 2019 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Chase - $500 to open business checking account. Worth it?
Replies: 12
Views: 2435

Re: Chase - $500 to open business checking account. Worth it?

Yes. the terms say I must leave account open for 6 months. I'm ok with that.


I just wondered if I needed a "business purpose" on hand to tell them.
by ThreeBears
Fri Nov 29, 2019 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Chase - $500 to open business checking account. Worth it?
Replies: 12
Views: 2435

Re: Chase - $500 to open business checking account. Worth it?

If I do this, do I need to have a business plan ready?

Will they ask the purpose of the account?

Do i need to say something like, I'm planning on starting a business doing X?
by ThreeBears
Fri Nov 08, 2019 9:13 am
Forum: Investing - Theory, News & General
Topic: Do you invest in Real Estate ? Why ?
Replies: 145
Views: 22106

Re: Do you invest in Real Estate ? Why ?

I have been an accidental landlord for 12 years. I bought a Condo 2005 and moved out around 2008. In the nearly 15 years (as I lived in it for about 3 years), the property's FMV is roughly equal to what I purchased it for. I have always been cash flow positive, but overall it's been a very long haul...
by ThreeBears
Sat Nov 02, 2019 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1610
Views: 408480

Re: Share your net worth progression

Best post on the site?

I don't get most of the posts. Most posts are completed by people who say, "we started taking taking retirement seriously 3 years ago and now we almost have $1 million dollars." I just think people who post are filtered by those who have a good story.
by ThreeBears
Tue Sep 10, 2019 7:59 pm
Forum: Personal Consumer Issues
Topic: Electric Bicycles
Replies: 116
Views: 10085

Re: Electric Bicycles

To each their own, but for me the choice is clear. Juiced Bike CrossCurrent S2. https://www.juicedbikes.com/products/crosscurrent-s2 Other bikes do not even come close, on a pure specs and cost basis. Mine should ship in late October ... in time for winter, i guess. Given that Juiced Bikes is an opt...
by ThreeBears
Fri Jul 26, 2019 7:36 pm
Forum: Personal Investments
Topic: How much life insurance should I get? (baby on the way)
Replies: 44
Views: 2878

Re: How much life insurance should I get? (baby on the way)

our numbers are pretty similar. we did this. Him: at least 1M 20yr. Term. Her: at least 500k 20yr. Term. I figure that's the minimum that would work. And the longer I live, the more I'll have saved, the less they'll need. I got it about 2 years ago. I have not regretted it. A few times it felt like ...
by ThreeBears
Sun Apr 21, 2019 4:16 pm
Forum: Investing - Theory, News & General
Topic: How and when did you do it - to get to 1 Million
Replies: 129
Views: 29001

Re: How and when did you do it - to get to 1 Million

I'm 42. I'm almost half-way there (total invested assets around $450,000). Honestly, I look around and I'm not sure how I've done so poorly. I'm intending to reach it by 50 at the latest. I'm not planning on retiring until 65. I like my job reasonably well... most days. I guess I didn't know how to ...
by ThreeBears
Sun Apr 21, 2019 12:57 pm
Forum: Personal Consumer Issues
Topic: I need advice on cleaning a toilet. How to you clean this part of the toilet? What is the best thing to use?
Replies: 52
Views: 7368

Re: I need advice on cleaning a toilet. How to you clean this part of the toilet? What is the best thing to use?

So, I've had this problem on my toilet. There is only one solution: muriatic acid. And you obviously have not tried this, as the problem would not still exist. If you do this please take all precautions: (1) full face shield, (2) rubber gloves, (3) open window, (4) ceiling fan on, and (5) no kids ar...
by ThreeBears
Tue Apr 09, 2019 7:06 pm
Forum: Personal Investments
Topic: Pay off mortgage better or worse than investing in bonds?
Replies: 30
Views: 4107

Re: Pay off mortgage better or worse than investing in bonds?

I would not pay off early at 2.6%. I'm at 3.65%. I pay $500 extra a month. I do this in part, as I think i'd like the mortgage to be gone when my kids go to college (not that you asked).
by ThreeBears
Sun Apr 07, 2019 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: How Much Term Life Insurance?
Replies: 56
Views: 4326

Re: How Much Term Life Insurance?

Did you inherit money?

Feel free not to answer.

A million dollars for 20 years are nice round numbers. I did about that with a similar income but significantly less wealth. So, everyone who is saying you can do less has a point.
by ThreeBears
Sat Apr 06, 2019 10:39 am
Forum: Investing - Theory, News & General
Topic: Is there a relatively stable junk bond fund?
Replies: 43
Views: 5730

Re: Is there a relatively stable junk bond fund?

This is a good question, and you have received good answers. The question that you did not ask (but maybe should have) is this: Will junk bonds approximate safe bonds or stocks in the next market downturn? To the extant I have researched this, junk bonds approximate stocks when a recession starts, s...
by ThreeBears
Sat Apr 06, 2019 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Standard Deduction vs Itemizing - Experience this year
Replies: 52
Views: 5966

Standard Deduction vs Itemizing - Experience this year

Our mortgage is about $200,000, and we maxed out our state tax deduction ($10,000). After entering expenses for a few hours, I noticed our itemized deduction was a few hundred dollars more than our standard deduction would have been . . . it almost wasn't worth the effort. Did anyone else have that ...
by ThreeBears
Sat Apr 06, 2019 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Married couples: can you have a team mentality with separate finances?
Replies: 183
Views: 9848

Re: Married couples: can you have a team mentality with separate finances?

i've noticed this board is pretty old school about marital finances.

we have separate accounts. yes, we are a team.

Honestly, it doesn't seem complicated for us.
by ThreeBears
Thu Apr 04, 2019 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: Federal tax refund? What are you doing with it?
Replies: 54
Views: 2822

Re: Federal tax refund? What are you doing with it?

paid about $6k total. we did a ROTH conversion and had limited withholding.
by ThreeBears
Mon Apr 01, 2019 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax from Costco = Neverending phone queue
Replies: 6
Views: 1143

Re: Turbotax from Costco = Neverending phone queue

Glad i found this today while wasting time.

You can also call - 800.358.6057.

I was embarrassed to be part of such a large contingent that made such an obvious oops.

So many people have made this error that the solution was automated.
by ThreeBears
Mon Nov 12, 2018 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Flood Insurance- When is it necessary?
Replies: 15
Views: 1472

Re: Flood Insurance- When is it necessary?

If you are not in a FEMA defined flood zone, the odds are that you will not be able to buy flood insurance. I think FEMA subsidizes insurance companies so that they will offer it. If you are seriously considering this (you can search your address on FEMA's website). You can also call your insurer an...
by ThreeBears
Fri Oct 26, 2018 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Variable Rate Debt - LIBOR
Replies: 6
Views: 640

Re: Variable Rate Debt - LIBOR

I posted about this right after the announcement: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=224415 My documents state: If the Index is no longer available, the Note Holder will choose a new index that is based upon comparable information. So it seems to give them quite a bit of leeway. ...
by ThreeBears
Fri Oct 26, 2018 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Variable Rate Debt - LIBOR
Replies: 6
Views: 640

Re: Variable Rate Debt - LIBOR

Yes, for NEW loans, the most likely replacement appears to be SOFR. Or new lenders will just use "Prime" or some average treasuries rate (like average one-year treasuries). However, for any given borrower on EXISTING debt, what will dictate is what the relevant promissory note states will occur in c...
by ThreeBears
Thu Oct 25, 2018 9:36 pm
Forum: Personal Investments
Topic: Moving money from Tira to Rira
Replies: 3
Views: 309

Re: Moving money from Tira to Rira

Thank you. I need to convert my own and my wife's. I have no other TIRA except the $11,002.50 (where I earned $2.50 in interest from waiting so long to convert). My wife has a TIRA with both pre and post tax money. So, I was going to convert it all so that way I can do the conversion every year afte...
by ThreeBears
Thu Oct 25, 2018 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: Variable Rate Debt - LIBOR
Replies: 6
Views: 640

Variable Rate Debt - LIBOR

I know debt is less common with Boggleheads. But, if you have variable rate debt, now is a good time to see what index the debt is based on. Generally, it's based on average treasuries, Prime, or LIBOR. If it's based on LIBOR, be aware that LIBOR is likely going to disappear in about 2 years. Here's...
by ThreeBears
Thu Oct 25, 2018 9:20 pm
Forum: Personal Investments
Topic: Moving money from Tira to Rira
Replies: 3
Views: 309

Moving money from Tira to Rira

I'm using TDA. Can I do this as an "internal transfer" and just move the money over? I waited and now I have $11,002.50 (so, I made $2.50 in interest). These are my contributions from both last year and this year. Any advice on how to do this? Or what I should NOT do? (I'm trying to do a back door R...
by ThreeBears
Thu Jun 07, 2018 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: How to legally avoid a bank levy?
Replies: 16
Views: 3406

Re: How to legally avoid a bank levy?

Does anyone have advice about how to legal avoid a bank levy, esp. one that would result in actual funds being frozen? My thoughts are that using an esoteric independent bank (no subsidiaries or parent company) that is far from home would be one's best bet? Yet, I wonder if there is a database wher...
by ThreeBears
Wed Jun 06, 2018 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance for Young Couple
Replies: 41
Views: 5290

Re: Term Life Insurance for Young Couple

I'm 40 and recently bought term life insurance. I bought it because I have children and I want them to be financially secure if I die. If I had no children, and my wife could support herself, I would have no reason to get life insurance. So, you need to think about what it is you are trying to insur...
by ThreeBears
Wed May 16, 2018 10:58 pm
Forum: Personal Consumer Issues
Topic: How to think about schools/homes (Greatschools/Niche)
Replies: 70
Views: 7380

Re: How to think about schools/homes (Greatschools/Niche)

I REALLY want to emphasize what an above poster stated -- "GS changed their rating system and now count "equity" and other non-academic metrics as part of the overall rating. Just do some drilling down into the data before making up your mind about whether or not a lower rating is actually deserved ...
by ThreeBears
Wed May 16, 2018 10:47 pm
Forum: Personal Consumer Issues
Topic: Bed Bugs
Replies: 42
Views: 5934

Re: Bed Bugs

barnaclebob wrote:
Mon May 14, 2018 8:54 pm
Itchy stereotypical breakfast lunch and dinner bites in a couple places. .
I could be wrong, but it sounds like you are confusing ticks with bedbugs. . . bedbugs do not just go away.
by ThreeBears
Wed May 16, 2018 10:41 pm
Forum: Personal Consumer Issues
Topic: Bed Bugs
Replies: 42
Views: 5934

Re: Bed Bugs

I manage a multi-unit building that had a significant bedbug infestation. It cost $10,000 to get rid of them. I would ignore the advice of anyone who has not personally faced bedbugs. I would also be very careful about doing a do-it-yourself. For the prices quoted, I would just pay it and hire an ex...
by ThreeBears
Tue Apr 24, 2018 8:42 pm
Forum: Personal Investments
Topic: Allocation Debate - consider all accounts as one?
Replies: 22
Views: 2015

Re: Allocation Debate - consider all accounts as one?

That's a solid point. But, how do you decide between ROTH vs Pre-tax? I just mix mine, and allocate both. I've never found the alternative arguments persuasive. Maybe i'm dense or maybe that's just where I am in life.
by ThreeBears
Tue Apr 24, 2018 8:24 pm
Forum: Personal Investments
Topic: Allocation Debate - consider all accounts as one?
Replies: 22
Views: 2015

Re: Allocation Debate - consider all accounts as one?

I get that it's "all one allocation," but if you have all stocks in one account and all bonds in another account, and stocks go down, then rebalancing doesn't work.

I mix them up. I think it's more functional. This appears to be a minority opinion.
by ThreeBears
Tue Apr 03, 2018 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: Am I Crazy to Consider Relocating 5 Months after Buying a House?
Replies: 28
Views: 3611

Re: Am I Crazy to Consider Relocating 5 Months after Buying a House?

Haha. I bet today's snow really has you wanting to leave!
by ThreeBears
Fri Mar 30, 2018 9:40 am
Forum: Investing - Theory, News & General
Topic: KF Annual Expense Based Personal Finance Strategy
Replies: 149
Views: 9199

Re: KF Annual Expense Based Personal Finance Strategy

So, your income does NOT include

1) company 401k matching
2) company pension contribution
3) bonus from credit cards
4) per diem money from work during travel

I never know what to consider those. But, if I exclude them from income and include them in savings, then my ratios get better... obviously.
by ThreeBears
Sun Mar 18, 2018 7:37 pm
Forum: Personal Consumer Issues
Topic: Buying a new wardrobe tomorrow | Indochino or other options?
Replies: 9
Views: 1932

Re: Buying a new wardrobe tomorrow | Indochino or other options?

I would not recommend buying a tailor made suit in the US. Period.

Why not take a lovely vacation to Hoi An, Vietnam?

They are known for making great suits.

Bebe ClothShop is what i'd personally recommend.

Also, the beaches there are lovely.
by ThreeBears
Sat Mar 17, 2018 7:06 pm
Forum: Personal Consumer Issues
Topic: 5/24 rule for rewards credit cards - bunching applications
Replies: 31
Views: 4005

Re: 5/24 rule for rewards credit cards - bunching applications

" it is clearly stated in the terms you have to agree to that the card is only for business use and not household or personal use" -- i think they may be for regulatory purposes . . . some consumer protection regulations do not apply to small business cards. A sole proprietor wouldn't have separate ...