Search found 823 matches

by IMO
Fri May 29, 2020 7:00 pm
Forum: Personal Consumer Issues
Topic: Face mask recommendations
Replies: 52
Views: 3633

Re: Face mask recommendations

The most important thing is not to get a mask that has a exhalation valve because as a previous poster mentioned, the point of the mask is mainly to protect others, and the exhalation valve defeats the purpose of the mask since it allows unfiltered air to leave you. Many masks made for construction...
by IMO
Fri May 29, 2020 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: Am I spending too much on rent?
Replies: 13
Views: 1238

Re: Am I spending too much on rent?

For comparison my rent is $1600 (not including trash, utilities etc) in HCOL area (Bay Area, CA). I split the rent with my GF. Take home pay after maxing 401k/HSA is $5400. There is no way I would buy a house around here. Pretty happy only paying $1600/mo, I would even be happy paying 500-600 more ...
by IMO
Wed May 27, 2020 1:32 am
Forum: Personal Consumer Issues
Topic: If Jeep has such poor reliability, how come they are everywhere?
Replies: 155
Views: 11466

Re: If Jeep has such poor reliability, how come they are everywhere?

Funny, no one has mentioned a Jeep Grand Wagoneer. A classic. Personally really liked this vehicle that we bought used and donated many many years ago. Ironically, these things get fixed up and are sold for quite a bit of money :oops: https://bringatrailer.com/listing/1989-jeep-grand-wagoneer-22/ So...
by IMO
Tue May 26, 2020 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: State domicile & taxes
Replies: 7
Views: 433

Re: State domicile & taxes

Hello Bogleheads, We have been an expats for the past 8 yrs and have unique situation to deal with. I have domicile in Texas i.e. to avoid state income taxes. My DW wants to stay with my 20y old son who is going to college in Iowa and my daughter who plans to also attend this fall (both on out of s...
by IMO
Tue May 26, 2020 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Simple jobs during FATFire?
Replies: 99
Views: 6204

Re: Simple jobs during FATFire?

This question gets posted over & over (search Barista FIRE to find other threads) and I think it's so patronizing. Don't you think if there were low stress, mentally stimulating, part time jobs that provided health insurance that the hundreds of thousands of unemployed people in our country would b...
by IMO
Tue May 26, 2020 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Budgeting for Gifts?
Replies: 17
Views: 961

Re: Budgeting for Gifts?

I handle gifts 2 ways: a) When they are to/from our immediate family, they simply fall under the budget category of that expense. So if I bought or received an expensive bike as a gift for/from my spouse, then that gift just goes under the "sports" category of our expenses and not under "gifts." b) ...
by IMO
Tue May 26, 2020 3:21 am
Forum: Personal Finance (Not Investing)
Topic: Want to retire, help please.
Replies: 10
Views: 1946

Re: Want to retire, help please.

Seems like once you get past the next 6 yrs with until your child goes to school and the the private school expenses go away, then you have a lot of breathing room with your pensions/expenses. I think the only gap would be if someone died tomorrow and you didn't have any life insurance to make up th...
by IMO
Tue May 26, 2020 2:56 am
Forum: Personal Finance (Not Investing)
Topic: The axe falls and I am prepared. What's next?
Replies: 365
Views: 27893

Re: The axe falls and I am prepared. What's next?

Reading through your thread and the various responses, I must admit, it sort of comes off as your going to die and no longer going to post on the forum from some people's responses. Not sure why. It seems you've definitively made up your mind, and I presume your answers to various questions is sort ...
by IMO
Tue May 26, 2020 1:59 am
Forum: Personal Consumer Issues
Topic: What will you NOT buy online?
Replies: 94
Views: 5907

Re: What will you NOT buy online?

tvubpwcisla wrote:
Mon May 25, 2020 10:24 am
It seems like everything is being sold online these days. Heck, you can even buy a car online and they will deliver it to you. It got me thinking, what would you not buy online?

:confused
A spouse.
by IMO
Sun May 24, 2020 2:46 am
Forum: Personal Consumer Issues
Topic: Hertz is declaring bankruptcy
Replies: 73
Views: 7339

Re: Hertz is declaring bankruptcy

Refund? Did you pre-pay? Good point. I just remembered that I used to prepay, but they lately haven't even allowed people to prepay. gasdoc Pre-paying can save one some money, but are not refundable. Putting bankruptcy aside, I don't advise anyone to prepay for rental cars. Yes it costs a little mo...
by IMO
Sun May 24, 2020 2:38 am
Forum: Personal Consumer Issues
Topic: Self Isolating Winter Getaway Ideas
Replies: 19
Views: 1725

Re: Self Isolating Winter Getaway Ideas

We've had to cancel a couple trips already due to c19 and being home so much is making daydream about a winter trip someplace. Warm weather (60+ highs) is desirable and something where we can get out in nature is a must. Also avoiding big crowds and big cities would be critical. East Coast would sa...
by IMO
Sun May 24, 2020 2:08 am
Forum: Personal Finance (Not Investing)
Topic: What do people spend money on?
Replies: 52
Views: 4982

Re: What do people spend money on?

Sandtrap wrote:
Sat May 23, 2020 9:03 pm
Is there an actionable financial question here?

Unsure.
j :happy
The post just sounds sort like a humble brag honestly. Presuming it's even valid.

OP, you'll figure it out.
by IMO
Fri May 22, 2020 1:31 am
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 472
Views: 16294

Re: Bird watchers – what birds are you seeing?

And our cats are indoor only. Our cat is indoors. Eagle can take a cat easily but we live on the water so fish are plentiful. As killing machines, not much can top a Great Horned Owl which are regulars around here. GHOs have been known to take a porcupine. Did get to see some GHO offspring for the ...
by IMO
Thu May 21, 2020 10:37 pm
Forum: Personal Consumer Issues
Topic: Remote teaching a 15 year old [about stocks]
Replies: 30
Views: 1262

Re: Remote teaching a 15 year old

First, I think you are basically spot on. I am carefully trying to engage constructively - just not sure how. "Hey, Johnny, you won't believe it, I made $$$ by doing "xyz" while all these wannabes are failing miserably trying to beat the market. It's so easy, yada yada. Would you ever be interested...
by IMO
Thu May 21, 2020 10:24 pm
Forum: Personal Consumer Issues
Topic: Do you dislike recurring billing for gyms?
Replies: 68
Views: 3421

Re: Do you dislike recurring billing for gyms?

I'm not sure how "recurring billing for gyms" is different from recurring billing for many other services that I have. Internet, streaming services, pest control, etc. all have recurring billing, which I choose to put on a cash-back credit card. With all of those services, I must take affirmative a...
by IMO
Thu May 21, 2020 1:30 am
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 472
Views: 16294

Re: Bird watchers – what birds are you seeing?

And our cats are indoor only. Our cat is indoors. Eagle can take a cat easily but we live on the water so fish are plentiful. As killing machines, not much can top a Great Horned Owl which are regulars around here. GHOs have been known to take a porcupine. Did get to see some GHO offspring for the ...
by IMO
Thu May 21, 2020 1:18 am
Forum: Personal Consumer Issues
Topic: Safely disinfecting frozen food packages from corona virus?
Replies: 51
Views: 3578

Re: Safely disinfecting frozen food packages from corona virus?

I think the basic thought on food packages is that while it is possible that it was contaminated with Covid somewhere in the supply chain, the reality is that there is not likely a significant number of people handling a food package down the supply chain. This doesn't mean it couldn't, for example,...
by IMO
Wed May 20, 2020 3:12 am
Forum: Personal Consumer Issues
Topic: How to get disinfecting wipes..seriously
Replies: 87
Views: 6167

Re: Wipes can spread bacteria

This study showed that wipes can spread MRSA: https://www.webmd.com/a-to-z-guides/news/20080603/germicidal-wipes-can-spread-bacteria#1 This is due to improper use. You might want to check the instructions on your wipes. My package of wipes say that you need to keep the surface wet for 4 minutes to ...
by IMO
Wed May 20, 2020 3:03 am
Forum: Personal Consumer Issues
Topic: Choices of and precautions at hotels in this summer
Replies: 52
Views: 2940

Re: Choices of and precautions at hotels in this summer

From what I have been reading, hotels are not cleaning during your stay, something called "grab n go " for breakfast now, and some are using self check in. I am going to skip hotels for a while and just go camping instead. I am just curious, is it legal to camp on a beach Directly on the beach? No,...
by IMO
Wed May 20, 2020 2:59 am
Forum: Personal Consumer Issues
Topic: Ring video doorbell question
Replies: 11
Views: 1110

Re: Ring video doorbell question

I have a ring doorbell and 3 other separate video camera's (3 different brands). The one that fails to always work/connect in a very timely fashion is my ring doorbell. It's not an issue of the internet signal as it's much closer to the router than a couple of the other camera's or a few other inter...
by IMO
Tue May 19, 2020 2:55 pm
Forum: Personal Consumer Issues
Topic: Choices of and precautions at hotels in this summer
Replies: 52
Views: 2940

Re: Choices of and precautions at hotels in this summer

OP, on the serious side: I have recently stayed at a motel for a few nights. It wasn't a fancy high end place either. But here's some thoughts on the experience: a. Book/pay ahead of time on line. You want to avoid as much face to face interaction. b. Go in by yourself, don't bring your whole family...
by IMO
Tue May 19, 2020 2:27 pm
Forum: Personal Consumer Issues
Topic: Choices of and precautions at hotels in this summer
Replies: 52
Views: 2940

Re: Choices of and precautions at hotels in this summer

From what I have been reading, hotels are not cleaning during your stay, something called "grab n go " for breakfast now, and some are using self check in. I am going to skip hotels for a while and just go camping instead. I am just curious, is it legal to camp on a beach Directly on the beach? No,...
by IMO
Tue May 19, 2020 2:25 pm
Forum: Personal Consumer Issues
Topic: Choices of and precautions at hotels in this summer
Replies: 52
Views: 2940

Re: Choices of and precautions at hotels in this summer

From what I have been reading, hotels are not cleaning during your stay, something called "grab n go " for breakfast now, and some are using self check in. I am going to skip hotels for a while and just go camping instead. I am just curious, is it legal to camp on a beach, or at a rest area along t...
by IMO
Tue May 19, 2020 2:15 pm
Forum: Personal Consumer Issues
Topic: Vault Safe in the attic; welded, anyone ?
Replies: 78
Views: 4039

Re: Vault Safe in the attic; welded, anyone ?

1st, how many gold bars are you talking about? 2nd, where do you live again? There is lots of good advice given. I do think one always has to be careful a safe is ever visible to someone coming into your house for a variety of reasons, such as a contractor/repair person. In your case, I suppose if i...
by IMO
Sun May 17, 2020 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: Mountain cabin?
Replies: 24
Views: 3760

Re: Mountain cabin?

It's not crazy. You bought the property for a reason, correct? Start with the 750 sq ft space. Honestly, if you're a diy person, that's a pretty easy space to get up to speed without spending a fortune. The larger home, just make sure it's got a solid roof to not allow it to get destroyed. After you...
by IMO
Sun May 17, 2020 10:05 pm
Forum: Personal Consumer Issues
Topic: June vacation
Replies: 21
Views: 2291

Re: June vacation

Same here. I'm planning to travel to Europe (Austria) in a couple of weeks and mostly everyone I talk to (in the United States) tells me that's too risky. I can enter Austria because I'm an Austrian citizen. I should be able to re-enter the United States as I'm a permanent resident. The airport in ...
by IMO
Sun May 17, 2020 12:59 pm
Forum: Personal Consumer Issues
Topic: Is anyone on the road?
Replies: 35
Views: 4043

Re: Is anyone on the road?

Don't drive a car on a trip. You might get in an accident diverting medical resources overwhelming the healthcare system. Also don't take a walk or you might step on a crack and break your mother's back and overwhelm the healthcare system. I agree that the advice makes little sense. Might as well a...
by IMO
Sun May 17, 2020 12:45 pm
Forum: Personal Consumer Issues
Topic: How to get disinfecting wipes..seriously
Replies: 87
Views: 6167

Re: How to get disinfecting wipes..seriously

Make your own. Take whatever disinfectant you have (we use this stuff called OdoBan where the 1 gallon concentrate makes 15 gallons), put some in a big ziplock bag and then fill it up with paper towels to the point where they are definitively soaked). +1 - we did this but use dish cloths plus bleac...
by IMO
Sun May 17, 2020 12:34 pm
Forum: Personal Consumer Issues
Topic: Is anyone on the road?
Replies: 35
Views: 4043

Re: Is anyone on the road?

We are considering a driving trip from Arizona to Washington State in mid-June. Things are "opening up" slowly in our area, and we would check conditions on our proposed route. Wondering if hotels are open and what experiences people are having "on the road again". (on topic, actionable) OP: DW and...
by IMO
Sun May 17, 2020 12:23 pm
Forum: Personal Consumer Issues
Topic: How to get disinfecting wipes..seriously
Replies: 87
Views: 6167

Re: How to get disinfecting wipes..seriously

The CDC has still not recorded a single case of transmission off a surface. You should probably worry less about this route. :sharebeer That's kinda funny. It's a bit hard to record if a transmission occurred via a contaminated surface vs. exposure to airborne droplets. I didn't know the CDC was ac...
by IMO
Sat May 16, 2020 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Hacked ID and credit card
Replies: 3
Views: 517

Re: Hacked ID and credit card

I'm a little confused. The fake ID does or doesn't have your name? I understand it's your address on the ID. Everytime I rent a car, I have to show my driver's license and the name has to match my credit card. I could possibly see it not matching if they did a prepaid rental which I know some places...
by IMO
Sat May 16, 2020 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking of buying a boat during pandemic – am I CRAZY?
Replies: 80
Views: 5337

Re: Thinking of buying a boat during pandemic – am I CRAZY?

You make 1.2 million per year and you have a lakeside home and you have children and your looking at a 65K boat which is relatively inexpensive when it comes to something like the current model wakeboard boats. What does/doesn't a pandemic with self-infected recession have to do with your decision. ...
by IMO
Sat May 16, 2020 8:20 pm
Forum: Personal Consumer Issues
Topic: How to get disinfecting wipes..seriously
Replies: 87
Views: 6167

Re: How to get disinfecting wipes..seriously

Make you own. Take whatever disinfectant you have (we use this stuff called OdoBan where the 1 gallon concentrate makes 15 gallons), put some in a big ziplock bag and then fill it up with paper towels to the point where they are definitively soaked).
by IMO
Sat May 16, 2020 1:05 pm
Forum: Personal Consumer Issues
Topic: Moving Furniture Yourself
Replies: 40
Views: 2930

Re: Moving Furniture Yourself

What do you all think it a fair price to pay two people in a major metro area to move furniture from room to room and from some rooms to a garage about 100 feet away? Job will take about an hour. You don’t have bored teenagers in your neighborhood? $15 - $20 each? OP, people have given good advice ...
by IMO
Sat May 16, 2020 12:37 pm
Forum: Personal Consumer Issues
Topic: Is anyone on the road?
Replies: 35
Views: 4043

Re: Is anyone on the road?

We are considering a driving trip from Arizona to Washington State in mid-June. Things are "opening up" slowly in our area, and we would check conditions on our proposed route. Wondering if hotels are open and what experiences people are having "on the road again". (on topic, actionable) OP: DW and...
by IMO
Fri May 15, 2020 2:47 am
Forum: Personal Consumer Issues
Topic: Percentage of savings to "prepping"?
Replies: 132
Views: 8273

Re: Percentage of savings to "prepping"?

OP, I don't think it's wise to put what one spends on prepping as a percentage of one's savings. How much one should prepare is dependent on many factors. I think it is important to 1st define what you are "prepping" for specifically. This varies from a local issue all the way to a global pandemic o...
by IMO
Wed May 13, 2020 1:48 pm
Forum: Personal Consumer Issues
Topic: Is anyone on the road?
Replies: 35
Views: 4043

Re: Is anyone on the road?

Don't drive a car on a trip. You might get in an accident diverting medical resources overwhelming the healthcare system. Healthcare systems are not overwhelmed. In fact, they are laying off personnel because of a lack of business. I agree. I think not operating on a cancer patient and allowing the...
by IMO
Wed May 13, 2020 12:29 pm
Forum: Personal Consumer Issues
Topic: Is anyone on the road?
Replies: 35
Views: 4043

Re: Is anyone on the road?

We are considering a driving trip from Arizona to Washington State in mid-June. Things are "opening up" slowly in our area, and we would check conditions on our proposed route. Wondering if hotels are open and what experiences people are having "on the road again". Don't drive a car on a trip. You ...
by IMO
Wed May 13, 2020 12:22 pm
Forum: Personal Consumer Issues
Topic: Termites - Bait (Sentricon) vs Liquid (Termidor)
Replies: 17
Views: 861

Re: Termites - Bait (Sentricon) vs Liquid (Termidor)

Anyone compare the bait verse liquid for termite treatment? Sentricon is much more expensive, but is it worth the extra $$ over Termidor? Didn't compare Termidor to Sentricon, but just recently did the simple trenching and treatment myself with Termidor for a total cost of $100. This saved at least...
by IMO
Tue May 12, 2020 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Asking renter to obtain renter's insurance; what benefits to highlight?
Replies: 18
Views: 942

Re: Asking renter to obtain renter's insurance; what benefits to highlight?

OP, I'm presuming that your dad (and you) are opting to not raise the rent on the month to month lease. I would just advise the tenant that you are not directly raising the rent, however you will be requiring the tenant to obtain and maintain a basic renter's insurance policy. You can stipulate if y...
by IMO
Mon May 11, 2020 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Advice needed - sister's home in foreclosure - terminal cancer
Replies: 26
Views: 2844

Re: Advice needed - sister's home in foreclosure - terminal cancer

1st, very sorry about your sister. Home is worth $600K with a $95K mortgage and $12K past due and going into foreclosure soon. SOMEONE come up with $12K to get home out of foreclosure, and put the house up for sale asap. SOMEONE gets their money back plus interest after the sale. Presuming she won't...
by IMO
Mon May 11, 2020 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Unhappy with job (MD) - need perspective
Replies: 27
Views: 4355

Re: Unhappy with job (MD) - need perspective

On another thread, you posted you had all these benefits not available in the US - universal healthcare - unemployment insurance which pays 60 % of income for 12 months and then social security - a pension that will cover about 70 % of my averaged salary - zero or very low student debt for me and f...
by IMO
Mon May 11, 2020 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: What age do you use for retirement end date?
Replies: 68
Views: 4100

Re: What age do you use for retirement end date?

Hello I'm deciding to retire. I have governerment pension and other income. We will have money but won't be rich rich. I will post more about that later. The longer I work the more I get per month. Although I'm thinking of retiring, early 50's. I have plenty to do and would like to spend more time ...
by IMO
Mon May 11, 2020 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage lender asking for copy of parents trust
Replies: 12
Views: 793

Re: Mortgage lender asking for copy of parents trust

Hi all, I am currently refinancing my home and the lender said that my wife’s parent’s home came up on a fraud report. I’m not sure what the trust says but presumably my wife will inherit some assets when both her parents die (her father died last year and her stepmother is still alive). The lender...
by IMO
Mon May 11, 2020 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Estimating social security in the future
Replies: 29
Views: 2117

Re: Estimating social security in the future

OP your simply asking people to speculate on future unknowns. Make your own personal guess on what social security will be and go from there. You could also speculate and worry that other things will change since there seems to be a push by many for more socialized programs, such as free education, ...
by IMO
Fri May 08, 2020 12:27 pm
Forum: Personal Consumer Issues
Topic: Does keeping ice packs in fridge save energy?
Replies: 27
Views: 2698

Re: Does keeping ice packs in fridge save energy?

What can save money during the summer months is to freeze small plastic bottles and use them for your coolers (without otherwise having to deplete all your ice). Buying ice is very expensive. Even better, freeze some drinks that can be frozen (such as gatorades) and use those for dual purpose in the...
by IMO
Fri May 08, 2020 2:08 am
Forum: Personal Consumer Issues
Topic: Cross Country Drive-Best route? Safest way to do it?
Replies: 40
Views: 3781

Re: Cross Country Drive-Best route? Safest way to do it?

I would add that I would choose lodging where the rooms open to the outside when possible. I would also get a couple cans of Clorox 4 in 1 spray, wipes, and alcohol. Have one person go in the room first, no personal belongings. Spray and wipe all the hard surfaces. Wait 15 minutes before you bring ...
by IMO
Sun Mar 15, 2020 9:45 pm
Forum: Personal Consumer Issues
Topic: Tire question on AWD car
Replies: 14
Views: 899

Re: Tire question on AWD car

Why not go ahead and replace 2 tires. Keep the 14,000 mile tire as a spare because based on what I've read, there seems to be lots of issues with the run flat tires.
by IMO
Sun Mar 15, 2020 9:37 pm
Forum: Personal Consumer Issues
Topic: Coronavirus Flight Cancel Thread
Replies: 224
Views: 13334

Re: Coronavirus Flight Cancel Thread

Me/family.

Southwest.

However, anyone who uses them regularly knows you can cancel on-line without issue (or need to hold for long periods for a customer service rep)and use the funds for up to 1 year.
by IMO
Sun Mar 15, 2020 9:34 pm
Forum: Personal Consumer Issues
Topic: Coronavirus - Helping Others
Replies: 19
Views: 1370

Re: Coronavirus - Helping Others

Take care of the elderly if they need supplies or other items. This includes both family and neighbors. They are the high risk group. Also, encourage people who are more cavalier about this is that just because to they are low risk, it doesn't mean to their actions won't affect others. RM Absolutel...