Search found 391 matches

by Jimmie
Tue Sep 17, 2019 2:32 pm
Forum: Personal Consumer Issues
Topic: Butcher Box
Replies: 14
Views: 2352

Re: Butcher Box

Do you already spend $150 a month on beef? If not, this "discount" price is still just a way to spend more money. These subscription boxes are a total mystery to me. My wife's friend gets ones for make-up, clothing, and fitness-related snacks; they send you a box of random stuff which you probably ...
by Jimmie
Tue Sep 17, 2019 2:14 pm
Forum: Personal Consumer Issues
Topic: Best Leaf Blower?
Replies: 70
Views: 4309

Re: Best Leaf Blower?

DanMahowny wrote:
Tue Sep 17, 2019 1:55 pm
I keep an electric blower in my golf cart. I use it to blow the leaves out of my line before I putt (Oct-Dec).
And a chainsaw for those pesky trees you hit behind? :D
by Jimmie
Tue Sep 17, 2019 1:17 pm
Forum: Personal Investments
Topic: What else can I be doing to maximize investments?
Replies: 5
Views: 942

Re: What else can I be doing to maximize investments?

Why is contributing to your HSA on hold waiting for your kids to be older?

If I could do one, I would. My GF is jumping all over hers.
by Jimmie
Tue Sep 17, 2019 1:14 pm
Forum: Personal Investments
Topic: 401-K versus Social Security
Replies: 26
Views: 2171

Re: 401-K versus Social Security

You don’t need to find a posthumous post. You could ask if anyone already has lived long enough to reap the benefits of delaying SS. Or lived long enough to determine that they should have delayed but didn’t. My post was mostly tongue-in-check. I would think most people do the research, make a deci...
by Jimmie
Tue Sep 17, 2019 12:56 pm
Forum: Personal Investments
Topic: 401-K versus Social Security
Replies: 26
Views: 2171

Re: 401-K versus Social Security

All good posts with informative strategies from several knowledgeable Bogleheads. I have visited the Open Social Security website several times and looked at various scenarios. Since I am single and so is my GF (for many reasons), the SS filing scenarios are much simpler. The problem is that no Bogl...
by Jimmie
Mon Sep 16, 2019 4:05 pm
Forum: Personal Consumer Issues
Topic: Best Dog Car?
Replies: 70
Views: 4657

Re: Best Dog Car?

longterm100 wrote:
Wed Sep 11, 2019 7:23 pm
For two large dogs I get a lot of use out of a landrover LR4. Rugged but has some luxury features.
It's important to be some kind of Rover. The thread is about dogs.
by Jimmie
Mon Sep 16, 2019 3:11 pm
Forum: Personal Consumer Issues
Topic: Anyonw driving Uber for fun and pocket money in retirement?
Replies: 111
Views: 11604

Re: Anyonw driving Uber for fun and pocket money in retirement?

post script: out of interest I called one well-known car insurance provider..once you're an Uber driver you are instantly a "commercial" driver and your policy costs quadruple (in my case). Yikes. But you're taking a huge risk without the right insurance. For fun, I checked with my insurance carrie...
by Jimmie
Mon Sep 16, 2019 1:57 pm
Forum: Personal Consumer Issues
Topic: Water alarm just saved me a lot of $$$. Do you have them?
Replies: 62
Views: 6921

Re: Water alarm just saved me a lot of $$$. Do you have them?

Using my electrical engineering background and a few hundred bucks, mostly for the sensors, I designed and built a home-grown version of the Watercop. I use fifteen Insteon leak detectors around the house where there is water: toilets, dishwasher, washer, sinks, water heater, etc. These are programm...
by Jimmie
Tue Mar 05, 2019 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Median net worth of Bogleheads?
Replies: 17
Views: 3089

Re: Median net worth of Bogleheads?

I would think median, not average, would be fairly low - not anywhere close to a million and the previous surveys indicate this. With 20/20 hindsight and based on the posts, it would not be a far stretch for those who post and reply here to fall into one of two categories: Seeking advice - starting ...
by Jimmie
Tue Mar 05, 2019 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Start Social Security at year end, or in new year?
Replies: 27
Views: 2359

Re: Start Social Security at year end, or in new year?

I get tired of hearing the noise that you only have three options: 62, FRA, and 70. Where did you hear that noise? You might wish to change your sources of Social Security information. Often, the "noise" is right here. :twisted: What I meant by my rant was that few financial articles address that t...
by Jimmie
Mon Mar 04, 2019 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: Start Social Security at year end, or in new year?
Replies: 27
Views: 2359

Re: Start Social Security at year end, or in new year?

Yes, your SS benefit will grow at 8% per year that you defer benefits ... A quick reminder (we tend to talk in “years”) that strictly speaking your benefit goes up 8/12 of 1% every single month that your delay filing. Yes, that's what's nice about reaching 62. If you don't take it then for whatever...
by Jimmie
Sun Mar 03, 2019 10:32 am
Forum: Personal Consumer Issues
Topic: Replacement vinyl windows
Replies: 14
Views: 1231

Re: Replacement vinyl windows

We replaced our low quality big box store windows with Pella windows and we love them. Mind you these aren’t the Pella windows you can order from a big box store they were ordered from a Pella showroom. The quality difference between the Pella showroom window and the Pella big box store window is a...
by Jimmie
Sun Mar 03, 2019 9:31 am
Forum: Personal Consumer Issues
Topic: Replacement vinyl windows
Replies: 14
Views: 1231

Re: Replacement vinyl windows

Usually, at least in my experience, the big box stores will special order "higher quality" SKUs from manufacturers they carry. At that point, it is easier to just order it directly yourself. Another consideration is installation. Reading reviews of windows, you will often see disappointed customers...
by Jimmie
Sat Mar 02, 2019 10:00 pm
Forum: Personal Consumer Issues
Topic: Replacement vinyl windows
Replies: 14
Views: 1231

Re: Replacement vinyl windows

Nothing wrong with the "big box" manufacturers Pella and Anderson. The problem is that the big box stores only carry what will sell better to the average customer. My GF and I bought a high-end Pella patio door, but what the big box stores had was only low-end. We want to replace some windows and ar...
by Jimmie
Sat Mar 02, 2019 7:44 am
Forum: Personal Consumer Issues
Topic: Tired of gas grills rusting out...
Replies: 120
Views: 16748

Re: Tired of gas grills rusting out...

To those mentioning moisture build-up under the cover. I don't believe that wetness is from water produced as the byproduct of combustion. The grill is so darn hot, any moisture is being dissipated. I think the moisture comes later, after the grilling is done, from condensation on the metal, particu...
by Jimmie
Sat Mar 02, 2019 7:38 am
Forum: Personal Consumer Issues
Topic: Home DIY - increasingly complex repairs and cost savings by DIY
Replies: 38
Views: 3309

Re: Home DIY - increasingly complex repairs and cost savings by DIY

I also have installed completely smart dimmers on almost all my switches and replaced most of my ceiling fans to DC from AC before the summer. what does dc from ac do?? DC versus AC provides: Energy savings (up to 70%) Quieter More speed options Reverse on the remote Faster to stop/start and reverse
by Jimmie
Fri Mar 01, 2019 2:39 pm
Forum: Personal Consumer Issues
Topic: Priority boarding - Why?
Replies: 147
Views: 9145

Re: Priority boarding - Why?

Starfish wrote:
Fri Mar 01, 2019 2:04 pm
So the problem is as stated: lack of daily contact with people. The effects are lack of immunity and/or misanthropy.
Lack of immunity is nothing to sneeze at. :D
by Jimmie
Fri Mar 01, 2019 2:01 pm
Forum: Personal Consumer Issues
Topic: Tired of gas grills rusting out...
Replies: 120
Views: 16748

Re: Tired of gas grills rusting out...

http://pitmaker.com/product/vin/?vin=93705385 Heirloom quality. I bought one of their smokers years ago. Looks like brand new. If it lasts 50 years I suspect I'll be happy. At $2,895, you won't see many BH's jumping to purchase. They are still rinsing out the sandwich bags they used last year to us...
by Jimmie
Fri Mar 01, 2019 10:34 am
Forum: Personal Consumer Issues
Topic: Priority boarding - Why?
Replies: 147
Views: 9145

Re: Priority boarding - Why?

Why would I want to wait for my bag if I don't have to? The "pain" of boarding early is much less than the "pain" of waiting for my bag unnecessarily. Many of us "have to" due to the need to travel with tools and other items that TSA will not allow in carry on bags. Since I often need to check a ba...
by Jimmie
Fri Mar 01, 2019 9:01 am
Forum: Personal Consumer Issues
Topic: Priority boarding - Why?
Replies: 147
Views: 9145

Re: Priority boarding - Why?

Free checked bags, carry ons $50. I'm guessing that airlines can't afford to leave unused overhead bin space. They would have to redesign their aircraft. What makes you think this? If I am traveling for work (which many airline travelers do) there are many reasons you may not want to check a bag. A...
by Jimmie
Thu Feb 28, 2019 8:59 pm
Forum: Personal Consumer Issues
Topic: Priority boarding - Why?
Replies: 147
Views: 9145

Re: Priority boarding - Why?

DanMahowny wrote:
Thu Feb 28, 2019 7:06 pm
Last to board on Southwest are the poor souls that get stuck in a middle seat.
Best seat on the plane!

I pick the most forward row that has two good looking, skinny young ladies sitting in the aisle and window seats. :D

When the plane is full, you have limited choices anyway.
by Jimmie
Thu Feb 28, 2019 7:34 pm
Forum: Personal Consumer Issues
Topic: Retirement in Switzerland
Replies: 53
Views: 5218

Re: Retirement in Switzerland

Their flag is a big plus.
by Jimmie
Thu Feb 28, 2019 11:01 am
Forum: Personal Consumer Issues
Topic: Going to "cash-only" restaurants?
Replies: 109
Views: 4865

Re: Going to "cash-only" restaurants?

I understand a small diner with limited seating taking cash only. If the seats are occupied from open to close, the owner can call the shots on payment methods. He is not losing business. With other businesses, I believe the best way to operate is to give the customer as many ways to pay as possible...
by Jimmie
Thu Feb 28, 2019 10:19 am
Forum: Personal Consumer Issues
Topic: Going to "cash-only" restaurants?
Replies: 109
Views: 4865

Re: Going to "cash-only" restaurants?

Does the possibility that the owners of these restaurants are committing tax fraud actually bother anyone? I feel like it's 100% immaterial to me. Just like I don't care if my friends or family are committing tax fraud. It's none of my business. I can only control what I do. Yes. Me. I get offended...
by Jimmie
Thu Feb 28, 2019 8:52 am
Forum: Personal Consumer Issues
Topic: Going to "cash-only" restaurants?
Replies: 109
Views: 4865

Re: Going to "cash-only" restaurants?

I was bothered by that experience, and like you I wondered how a business could refuse to accept legal tender. I learned that a business is free to accept or not accept any form of payment (cash, coins, credit cards) as they see fit, so long as the good or service has not yet been provided. It woul...
by Jimmie
Thu Feb 28, 2019 8:36 am
Forum: Personal Consumer Issues
Topic: Going to "cash-only" restaurants?
Replies: 109
Views: 4865

Re: Going to "cash-only" restaurants?

I've seen more bars that are "cash-only" than restaurants. I sense that somebody (the owner?) is doing something below board, particularly for tax purposes. What I don't understand is a trend toward "no cash" restaurants like I saw in a news article last week. I understand a convenience store or piz...
by Jimmie
Thu Feb 28, 2019 1:27 am
Forum: Personal Investments
Topic: 1st Generation Investor Needing Assurance
Replies: 3
Views: 520

Re: 1st Generation Investor Needing Assurance

If you are contributing to SS, that will also be more taxable retirement money. For most middle class wage earners, 85% of SS is taxable. I don't think the OP would ever see tax rates this high on SS unless they have over $32,000 of combined "other" annual income, since they would be married filing...
by Jimmie
Thu Feb 28, 2019 12:41 am
Forum: Personal Investments
Topic: portfolio for a 4% plus return
Replies: 35
Views: 3413

Re: portfolio for a 4% plus return

Unfortunately, I found this on Vanguard's website: All investing is subject to risk, including the possible loss of the money you invest. Past performance is no guarantee of future results. Be aware that fluctuations in the financial markets and other factors may cause declines in the value of your ...
by Jimmie
Thu Feb 28, 2019 12:30 am
Forum: Personal Consumer Issues
Topic: Home DIY - increasingly complex repairs and cost savings by DIY
Replies: 38
Views: 3309

Re: Home DYI - increasingly complex repairs and cost savings by DYI

My state does not have mandatory HVAC licensing. I installed my own system, it is not that difficult. Required several hundred$ in vacuum pump, gauges, etc...), but typically 2/3 - 3/4 of HVAC installation costs are equipment markup and labor. I saved 70% factoring all the costs. That is truly impr...
by Jimmie
Wed Feb 27, 2019 6:34 pm
Forum: Personal Consumer Issues
Topic: $5000 water bill-Help!
Replies: 68
Views: 6875

Re: $5000 water bill-Help!

andypanda wrote:
Wed Feb 27, 2019 6:29 pm
If I go away for a week or more I just close the valve in the basement where the water line enters from the street.
I do the same, even for a long weekend. Before closing the valve, I also flush all the toilets and run every sink for a few seconds to ensure the traps are full.
by Jimmie
Wed Feb 27, 2019 5:21 pm
Forum: Personal Consumer Issues
Topic: Home DIY - increasingly complex repairs and cost savings by DIY
Replies: 38
Views: 3309

Re: Home DYI - increasingly complex repairs and cost savings by DYI

gmc4h232 wrote:
Wed Feb 27, 2019 5:15 pm
I dont mess with gas and HVAC refrigerant piping. Everything else is fair game.
EPA requires certification and many states require technicians to be licensed to work on systems containing refrigerant. Forgot to add HVAC to my list of what I won't do.
by Jimmie
Wed Feb 27, 2019 4:53 pm
Forum: Personal Consumer Issues
Topic: Home DIY - increasingly complex repairs and cost savings by DIY
Replies: 38
Views: 3309

Re: Home DYI - increasingly complex repairs and cost savings by DYI

I consider myself handy and am not intimidated by very many home improvement tasks, thanks to my Dad who taught me everything. Now that I'm older, there are many things I won't do for and for these reasons: (1) Anything involving natural gas, short of attaching the appliance to the end fitting. (Too...
by Jimmie
Wed Feb 27, 2019 1:40 pm
Forum: Personal Consumer Issues
Topic: Anyone Keep a Second Fridge in Garage?
Replies: 56
Views: 4572

Re: Anyone Keep a Second Fridge in Garage?

There are problems when running a fridge or freezer in an unheated garage, particularly when it gets close to freezing. This is true of older model freezers, but less so with more modern units. The cheap Best Buy Insignia chest freezer claims to run fine in any temperature range between -4F and 109...
by Jimmie
Tue Feb 26, 2019 6:58 pm
Forum: Personal Consumer Issues
Topic: Anyone Keep a Second Fridge in Garage?
Replies: 56
Views: 4572

Re: Anyone Keep a Second Fridge in Garage?

There are problems when running a fridge or freezer in an unheated garage, particularly when it gets close to freezing. These appliances are designed to move heat from inside the fridge to the warmer outside. If the thermostat gets tricked, the compressor will never operate. The freezer could warm u...
by Jimmie
Tue Feb 26, 2019 12:34 pm
Forum: Personal Consumer Issues
Topic: Anyone Keep a Second Fridge in Garage?
Replies: 56
Views: 4572

Re: Anyone Keep a Second Fridge in Garage?

I have the luxury of having our old, huge, fully-functional fridge in my basement alongside a large chest freezer. If I were you, I would buy a beverage refrigerator for under a counter somewhere and perhaps a dorm-size fridge that could be hidden in a cabinet. There is nothing that can replace a la...
by Jimmie
Tue Feb 26, 2019 11:10 am
Forum: Personal Consumer Issues
Topic: $5000 water bill-Help!
Replies: 68
Views: 6875

Re: $5000 water bill-Help!

The OP never noticed anything like this over the course of six months? The OP did say "little used toilet". We have 4 toilets in our home, and 2 of the 4 are rarely used and in an area that is often not occupied for a month or more at a time. Easy to overlook. I did see that. This toilet appears to...
by Jimmie
Tue Feb 26, 2019 10:54 am
Forum: Personal Consumer Issues
Topic: $5000 water bill-Help!
Replies: 68
Views: 6875

Re: $5000 water bill-Help!

I believe the term "leak" is confusing in this post. If the toilet flapper fails to seal the opening in the bottom of the tank, the water that fills the tank continues to run. To me this is not a "leak" since the water stays contained in the pipes. A leak would be indicated with water found on the f...
by Jimmie
Tue Feb 26, 2019 10:26 am
Forum: Personal Consumer Issues
Topic: Suggestion on high ceiling condo heat issues
Replies: 34
Views: 2135

Re: Suggestion on high ceiling condo heat issues

No dampers but thought maybe it would work putting them in. That would be the best form of heat regulation I think. Whenever you do anything more than small tweaks of damper positions, you may wish to involve an HVAC technician for input. Ask him about it when he does the annual tune-up inspection ...
by Jimmie
Tue Feb 26, 2019 10:14 am
Forum: Personal Consumer Issues
Topic: Tired of gas grills rusting out...
Replies: 120
Views: 16748

Re: Tired of gas grills rusting out...

All this talk from people to diversify. How about this "asset allocation"? Big Green Egg (large model) bought in 2013 for smaller barbecues, primarily to smoke meats - burns lump charcoal and wood chips/chunks Upright propane cabinet smoker bought in 2015 for medium barbecues - uses wood chips/chunk...
by Jimmie
Mon Feb 25, 2019 10:15 am
Forum: Investing - Theory, News & General
Topic: Vanguard Total World Stock Market (VTWAX) Now in Google Finance
Replies: 4
Views: 620

Re: Vanguard Total World Stock Market (VTWAX) Now in Google Finance

lostdog wrote:
Mon Feb 25, 2019 10:11 am
This function is still not working in my google spreadsheet.

=GOOGLEFINANCE("VTWAX", "expenseratio")/100
I can't vouch for the functionality of all data. I usually track only "price" and "change".
by Jimmie
Mon Feb 25, 2019 10:10 am
Forum: Personal Consumer Issues
Topic: Friday Harbor to SeaTac Airport
Replies: 19
Views: 1106

Re: Friday Harbor to SeaTac Airport

dknightd wrote:
Sun Feb 24, 2019 11:57 am
Life is a crap shoot. This why we have a slush fund. I'd allow 1 full day to get from Friday Harbor to SeaTac. Stay over night in Seattle if needed.
+1

I do this on almost every vacation near any big city. Well worth the couple of hundred bucks or so.
by Jimmie
Mon Feb 25, 2019 9:45 am
Forum: Investing - Theory, News & General
Topic: Vanguard Total World Stock Market (VTWAX) Now in Google Finance
Replies: 4
Views: 620

Vanguard Total World Stock Market (VTWAX) Now in Google Finance

I have a spreadsheet using data pulled from Google Finance. When Vanguard's Total World Stock Market (VTWAX) was recently introduced, their information was not available.

Now it is. Just an FYI, but actionable if you wish to update your spreadsheets to reflect this fund's information.
by Jimmie
Sat Feb 23, 2019 11:30 pm
Forum: Personal Consumer Issues
Topic: How many minutes to change the bed sheets?
Replies: 31
Views: 2929

Re: How many minutes to change the bed sheets?

baconavocado wrote:
Sat Feb 23, 2019 11:16 pm
My wife used to complain endlessly about doing this - it actually took her all day to finish - so I started doing it after we retired.
I'm no expert in the field of retirement, but it looks like your wife is the one who is retired. :D
by Jimmie
Fri Feb 22, 2019 9:28 pm
Forum: Personal Consumer Issues
Topic: Wife filled our gas engine car with diesel fuel
Replies: 111
Views: 12032

Re: Wife filled our gas engine car with diesel fuel

Time to take your special wife out for a nice dinner and treat her with champagne for her handling this mess with strength and determination in the middle of a snow storm while taking care of her loved one hundreds of miles from home :beer Make sure YOU pick out the champagne. If you let your wife ...
by Jimmie
Fri Feb 22, 2019 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Power of attorney necessary?
Replies: 12
Views: 866

Re: Power of attorney necessary?

A general durable power of attorney is a good idea. However, banks will try to make you to use their own forms, and (as part of the federal government) Social Security will pay no attention to it as all. Great point. I just visited my attorney yesterday to have my will revised and have a will filed...
by Jimmie
Thu Feb 21, 2019 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Do we need a will/trust/etc?
Replies: 59
Views: 4048

Re: Do we need a will/trust/etc?

This afternoon, my GF and I have a long-overdue appointment with my attorney. (GF is 63. I am 61. My attorney is 74 if that matters. :D ) I wish to primarily update my will and have him generate a will for my GF, since she never had one. Since I filed my existing will after my divorce 25 years ago, ...
by Jimmie
Tue Feb 19, 2019 3:24 pm
Forum: Personal Consumer Issues
Topic: How Much Home Value Added by Finishing Basement?
Replies: 35
Views: 2887

Re: How Much Home Value Added by Finishing Basement?

I didn't take out permits. Permits arent required here before a home sale can close. I figured I will live here 20 years, so at that point when I go to sell I dont imagine the permits being an issue. It will probably be remodeled again anyways in the next 20 years. Although it may have worked okay ...
by Jimmie
Tue Feb 19, 2019 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Do we need a will/trust/etc?
Replies: 59
Views: 4048

Re: Do we need a will/trust/etc?

Go see an attorney. Now. You have too much at stake to screw anything up. Don't even try to save a buck with canned will-making forms. There is lots of anecdotal information here and I believe everyone means well. The only one who serves your BEST interest and knows your state's laws is an attorney....
by Jimmie
Tue Feb 19, 2019 10:55 am
Forum: Personal Finance (Not Investing)
Topic: To: Taylor Larimore: Early Withdrawals
Replies: 46
Views: 7278

Re: To: Taylor Larimore: Early Withdrawals

I retired in June of 1982 at the age of 57. We had about a $1 million dollar portfolio to last us the rest of our lives. I didn't know about safe withdrawal rates (the Trinity Study wasn't published until 1998). We had no computers, Internet, Monte Carlo, or sophisticated calculators. We only knew ...
by Jimmie
Sat Feb 16, 2019 8:41 am
Forum: Personal Consumer Issues
Topic: Renting a car for 30 days or more
Replies: 11
Views: 1162

Re: Renting a car for 30 days or more

There are some companies that rent for longer periods, but you will likely have to pick-up and return at an off airport location ....or try Enterprise, which advertises home delivery. Next time you rent a car from an airport location, be sure to note all the special airport fees and surcharges. I f...