Search found 243 matches

by Ruger
Fri Nov 09, 2018 11:04 am
Forum: Personal Consumer Issues
Topic: Too many choices for my next TRUCK
Replies: 94
Views: 6832

Re: Too many choices for my next TRUCK

I just found and bought a 2017 Ram 1500. Brand Spanking new, with the 5.7L hemi, 4x4 quad cab and big horn package. I absolutely love the thing. out of all the trucks on the market, dollar for dollar you get more truck for the money with the ram. And with the 2019 models having a new body style you...
by Ruger
Wed Nov 07, 2018 11:24 pm
Forum: Personal Consumer Issues
Topic: Filing cabinet recommendations
Replies: 10
Views: 752

Re: Filing cabinet recommendations

I second Hon. Very well made. I actually have found a couple at the Goodwill and snapped them up.
by Ruger
Wed Sep 26, 2018 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: Best Way to Apply for Social Security Widow Benefits and More
Replies: 15
Views: 1303

Re: Best Way to Apply for Social Security Widow Benefits and More

You cannot apply online for widow's benefits, you have to go into the office in person. I don't believe this is true. What happened to the telephone appointments? That is how I applied for mine (widow's benefit) in 2009. When I made the appointment they told me to mail them the death certificate, m...
by Ruger
Sat Sep 22, 2018 9:57 pm
Forum: Personal Consumer Issues
Topic: How to get rid of rabbits
Replies: 66
Views: 3802

Re: How to get rid of rabbits

Alexa9 wrote:
Sat Sep 22, 2018 9:52 pm
Pesky widdle wabbits. I'd try a plastic explosive shaped like their best friend the gopher.
Maybe Elmer Fudd and his shotgun would do the job.
by Ruger
Sat Sep 22, 2018 9:56 pm
Forum: Personal Consumer Issues
Topic: How to get rid of rabbits
Replies: 66
Views: 3802

Re: How to get rid of rabbits

Trapping works very well. Trap and relocate.
by Ruger
Thu Sep 20, 2018 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Best Way to Apply for Social Security Widow Benefits and More
Replies: 15
Views: 1303

Re: Best Way to Apply for Social Security Widow Benefits and More

Two questions: 1. I want to preserve the option of filing for my own benefit at age 70. I have read about the widows/widowers who have not had this option clearly explained to them and, as a result, lost money. What can I do to preserve my benefit? I am sorry for your loss. I am in the same situati...
by Ruger
Tue Sep 18, 2018 4:32 pm
Forum: Personal Consumer Issues
Topic: Inexpensive source for greeting cards?
Replies: 27
Views: 1648

Re: Inexpensive source for greeting cards?

I second Dollar Store. Nice selection of cards, two for $1.00.
Wal-Mart also have a choice of cards from .49-.97.
by Ruger
Sat Sep 08, 2018 10:50 pm
Forum: Personal Consumer Issues
Topic: Getting Top Dollar for Selling our Condo
Replies: 16
Views: 1300

Re: Getting Top Dollar for Selling our Condo

Fresh paint in trendy but neutral color. Nothing worse than a beat up paint job.
by Ruger
Sat Sep 08, 2018 10:45 pm
Forum: Personal Consumer Issues
Topic: Older Toyota/Honda/Similar owners: How often do you clean your car?
Replies: 36
Views: 2219

Re: Older Toyota/Honda/Similar owners: How often do you clean your car?

1. Wash the exterior of your car? (whether yourself, or a drive-through carwash, or dealer-service included thing) Almost never. I live on a gravel road, so trying to keep it clean is impossible. I let the rain wash it off, or once in a blue moon if I need to have the car presentable I will wash it...
by Ruger
Wed Sep 05, 2018 10:24 am
Forum: Personal Consumer Issues
Topic: Your experience with Nitrous for a dental implant?
Replies: 27
Views: 1270

Re: Your experience with Nitrous for a dental implant?

Although I haven't had dental implants, I had general when I had my wisdom teeth removed and nitrous when I have a crown put on. Both worked fine. With the nitrous I can remember hearing a distorted version of the dentist talking to his assistant, but that is is. Don't remember anything about the pr...
by Ruger
Thu Aug 30, 2018 12:21 pm
Forum: Personal Consumer Issues
Topic: Mega Downsize....
Replies: 91
Views: 8604

Re: Mega Downsize....

There are businesses that will come clean out your garage or storage shed or whatever for free but they keep everything in it. If you are sure there is nothing in there you want, you might think about hiring one of them.
by Ruger
Wed Aug 15, 2018 7:15 am
Forum: Personal Finance (Not Investing)
Topic: Using ACA for early retirement years
Replies: 103
Views: 7496

Re: Using ACA for early retirement years

Yes, I have been on ACA since I retired. Next year I go on Medicare.
Without ACA I probably wouldn't have been able to retire, given the cost of the insurance without the subsidy.
by Ruger
Wed Aug 15, 2018 7:05 am
Forum: Personal Consumer Issues
Topic: How often do you check your brokerage accounts
Replies: 77
Views: 5327

Re: How often do you check your brokerage accounts

I look at my total balance daily just to make sure nothing funny is going on. Got a voice mail yesterday from my financial advisor at Fidelity wanting to know why I had moved my money out of Fidelity. I had not made any such move, and knew from having checked my balance that morning everything was s...
by Ruger
Fri Aug 10, 2018 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: Rental Property as an Investment?
Replies: 20
Views: 1156

Re: Rental Property as an Investment?

It's been listed since May, 2018. How many real estate investors have looked at the property and taken a pass at it since then....my guess is for good reason. If it were a deal, it would had been swept up by now in this hot market. Not only that, but it had two sales that fell through in less than ...
by Ruger
Mon Aug 06, 2018 12:55 pm
Forum: Personal Consumer Issues
Topic: Best Counter Depth Side by Side refrigerator
Replies: 24
Views: 2425

Re: Best Counter Depth Side by Side refrigerator

I bought a Samsung about seven years ago and I've never had a problem with it. I was also told it can be hard to get parts of LG and to avoid it.
by Ruger
Mon Aug 06, 2018 12:52 pm
Forum: Personal Consumer Issues
Topic: "Dollar Tree Store" favorites
Replies: 84
Views: 6905

Re: "Dollar Store" favorites

Lots of greeting cards, kitchen utensils.
by Ruger
Mon Jul 23, 2018 11:21 pm
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 433
Views: 57426

Re: Flaunt Your High-Mileage Car

1999 Camry XLE with 322,000 miles on it. Still runs great but just gave it to my nephew so he could have a car to get to work.
by Ruger
Thu Jul 19, 2018 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone not have a Budget?
Replies: 115
Views: 7838

Re: Anyone not have a Budget?

I don't have a budget, but I do keep a spreadsheet where I keep track of every penny I spend. At the end of the month I check to see if I have brought more money in than I have spent. So far so good, but if I ever start trending to spending more than comes in, I'll start cutting expenses.
by Ruger
Fri Jul 13, 2018 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Logging out 20 acre lot?
Replies: 37
Views: 2722

Re: Logging out 20 acre lot?

I logged part of my property many years ago, so I don't remember the details. First, check with the county and the state before you do anything. The state insisted that we had a stream on our property and that we could not log around it and had to take precautions. Only problem was there was not a s...
by Ruger
Fri Jul 13, 2018 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Anyone experienced landlords here? Caught some of my tenants renting out rooms. Anything I should do?
Replies: 33
Views: 6174

Re: Anyone experienced landlords here? Caught some of my tenants renting out rooms. Anything I should do?

dknightd wrote:
Thu Jul 12, 2018 7:45 pm



As long as they are not causing a problem, or breaking a law, I would not worry about it.
I would however make sure they know I know what is going on, and I would raise the rent to cover the increased wear and tear on the property from three tenants being there instead of one.
by Ruger
Fri Jun 08, 2018 10:34 am
Forum: Personal Consumer Issues
Topic: good place to buy window curtains
Replies: 9
Views: 949

Re: good place to buy window curtains

JC Penny has a huge selection at reasonable prices, especially if you get them on sale plus another % off for using your Penny's credit card.
by Ruger
Sun May 20, 2018 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: What’s your phone/internet bill?
Replies: 92
Views: 6941

Re: What’s your phone/internet bill?

Where I live Frontier is the only option for internet. I pay about $78 a month for the land line and internet service.
by Ruger
Sun May 20, 2018 5:10 pm
Forum: Personal Consumer Issues
Topic: Home Depot's Life Proof Rigid Core Vinyl Flooring
Replies: 6
Views: 984

Re: Home Depot's Life Proof Rigid Core Vinyl Flooring

I've purchased sheet vinyl and plank vinyl flooring from HD and not had problems with it. However, I installed in my self so can't give you any feedback on their installers. However, I have had appliances installed via HD when I purchased them there and was happy with the service. I would hope HD wo...
by Ruger
Tue May 15, 2018 12:18 pm
Forum: Personal Consumer Issues
Topic: keyless ignitions and carbon monoxide
Replies: 83
Views: 5708

Re: keyless ignitions and carbon monoxide

I have the keyless start on my car, and I love it. I don't understand how people can walk away with their car running. Pushing the button is just as easy to remember as turning the key and removing it before leaving the vehicle. +1 I wonder if anyone keeps stats on carbon monoxide deaths from peopl...
by Ruger
Tue May 15, 2018 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Tenant/Landlord Question
Replies: 12
Views: 1297

Re: Tenent/Landlord Question

Yes, check the lease and state and local laws. If nothing is said about it (which I find hard to believe) I would think 60 days would be adequate.
by Ruger
Mon May 14, 2018 10:39 am
Forum: Personal Consumer Issues
Topic: keyless ignitions and carbon monoxide
Replies: 83
Views: 5708

Re: keyless ignitions and carbon monoxide

I have the keyless start on my car, and I love it. I don't understand how people can walk away with their car running. Pushing the button is just as easy to remember as turning the key and removing it before leaving the vehicle.
by Ruger
Fri May 11, 2018 1:00 pm
Forum: Personal Consumer Issues
Topic: Anyone buy carbon offsets when flying?
Replies: 111
Views: 5730

Re: Anyone buy carbon offsets when flying?

Assuming this is a serious post: I don't consider the carbon footprint in anything I do. It does not make any difference. You are kidding yourself. This is all a big scam. Put your money in mutual funds. You and your heirs will both be better off. Two thumbs up! Invest in yourself, not "carbon offs...
by Ruger
Fri May 11, 2018 12:59 pm
Forum: Personal Consumer Issues
Topic: Anyone buy carbon offsets when flying?
Replies: 111
Views: 5730

Re: Anyone buy carbon offsets when flying?

DanMahowny wrote:
Fri May 11, 2018 9:28 am
No moral dilemma here. In my view it's a complete waste of money. Sorry man.
I agree. I'm keeping my money.
by Ruger
Fri May 11, 2018 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: ques
Replies: 47
Views: 4870

Re: Should I pay cash for a house?

mortfree wrote:
Fri May 11, 2018 2:42 am
1.5 baths?

If you plan to stay single, ok.

If not then this may not be the house for you.

Although this is off the OP question, I agree with it. 1 1/2 bath houses are not as desirable as at least 2 full baths.
I wouldn't purchase anything less than 2.
by Ruger
Fri Apr 27, 2018 3:51 pm
Forum: Personal Consumer Issues
Topic: Do you sell or donate unused items?
Replies: 46
Views: 3290

Re: Do you sell or donate unused items?

I donate. It's not worth my time to try to sell stuff just to make a few bucks.
If I had anything worth real money that I no longer wanted, that I would sell. But so far that situation has never happened.
by Ruger
Fri Apr 27, 2018 2:13 am
Forum: Personal Consumer Issues
Topic: Ikea Quality
Replies: 37
Views: 3418

Re: Ikea Quality

What do folks think about the quality of Ikea accent and storage furniture? In particular, their Besta, Billy, or Kallax series (but open to other suggestions)? I have all three of those, plus a desk and a metal storage cabinet. I wasn't expecting them to last long, and kind of considered them temp...
by Ruger
Tue Apr 03, 2018 9:55 am
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Portland, Oregon
Replies: 141
Views: 45828

Re: Master Thread for Portland, Oregon

Hi, just found out about these meetings. Although I don't live in Portland, I'm near enough that I don't mind the drive.
Looking forward to coming to the next meeting.
by Ruger
Sun Mar 25, 2018 9:59 pm
Forum: Personal Consumer Issues
Topic: Going to Israel need help planning
Replies: 12
Views: 1487

Re: Going to Israel need help planning

A lot depends on what things you want to see- the first time I went to Israel I went with an El Al tour. It was in the early 90's but it was very good and there were a lot of people in the age range you mention. They have several packages available. https://www.elal.com/SiteCollectionDocuments/Branc...
by Ruger
Fri Mar 16, 2018 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Cost of a quality will?
Replies: 17
Views: 2009

Re: Cost of a quality will?

I just redid my will. It was $700 which included not only the will but POA and advanced health directive.
by Ruger
Fri Mar 09, 2018 12:01 pm
Forum: Personal Consumer Issues
Topic: No hot air or hot water, what are my options with the landlord?
Replies: 20
Views: 1090

Re: No hot air or hot water, what are my options with the landlord?

Check the tenants' rights in your area. Landlords are required to provide hot water and heat--or at least a supply to them. Lack of hot water and heat (either or both) renders the unit uninhabitable (unlivable). This. The landlord needs to supply a unit that is habitable. If they don't take care of...
by Ruger
Wed Mar 07, 2018 9:55 pm
Forum: Personal Consumer Issues
Topic: Replacing vanities?
Replies: 21
Views: 2154

Re: Replacing vanities?

Make sure the vanity is level and plumb or the drawers may not function properly.
I learned this the hard way :)
by Ruger
Mon Mar 05, 2018 4:22 pm
Forum: Personal Consumer Issues
Topic: Etiquette of hanging up on live telemarketers
Replies: 77
Views: 4348

Re: Etiquette of hanging up on live telemarketers

I just hang up on them. It's rude of them to call me.
However, I also realize they are trying to make a living so I don't act abusive towards them. I'm sure they are used to getting hung up on.
by Ruger
Fri Mar 02, 2018 10:54 am
Forum: Personal Consumer Issues
Topic: Kitchen features
Replies: 108
Views: 9108

Re: Kitchen features

Undermount sink
Pantry
Hard surface counters of your choice (I still prefer granite)
Open concept
by Ruger
Wed Feb 21, 2018 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Clever phishing -- be careful!
Replies: 21
Views: 1982

Re: Clever phishing -- be careful!

A couple of weeks ago I got an email supposedly from Wells Fargo claiming that there was fraudulent activity on my account and I needed to follow a link to verify my identity and reset my password, etc. Obviously it was a fraud, but especially so since I don't have any accounts at WF. Obviously the...
by Ruger
Wed Feb 21, 2018 2:35 pm
Forum: Investing - Theory, News & General
Topic: How many of you use the "4% rule" during retirement?
Replies: 68
Views: 10321

Re: How many of you use the "4% rule" during retirement?

I haven't used it because my income from rentals and SS covers all my expenses. In a couple of years I'll loosen the purse strings and start spending liberally, but I won't need anywhere near 4%.
by Ruger
Wed Feb 21, 2018 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Clever phishing -- be careful!
Replies: 21
Views: 1982

Re: Clever phishing -- be careful!

A couple of weeks ago I got an email supposedly from Wells Fargo claiming that there was fraudulent activity on my account and I needed to follow a link to verify my identity and reset my password, etc. Obviously it was a fraud, but especially so since I don't have any accounts at WF. Obviously they...
by Ruger
Wed Feb 21, 2018 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Giving up on first home
Replies: 43
Views: 4954

Re: Giving up on first home

NYC_Guy wrote:
Tue Feb 20, 2018 10:29 pm
It’s called buyer’s remorse. You’ll get over it.
Exactly what I was going to say. Almost everyone who buys their first house suffers from it. And some of us after our first house :)
It will work out great, and you will be happy being a home owner. Beats renting any day.
by Ruger
Wed Feb 21, 2018 11:22 am
Forum: Personal Consumer Issues
Topic: When is Costco cash back coupon arriving?
Replies: 23
Views: 4336

Re: When is Costco cash back coupon arriving?

cheese_breath wrote:
Wed Feb 21, 2018 10:37 am
Mine was printed on the last page of my last bill.
Yes, be sure to check last page of bill. I almost threw mine out. It came two weeks ago.
by Ruger
Fri Feb 16, 2018 5:33 pm
Forum: Personal Consumer Issues
Topic: Repairing Stucco: A Case of Contractor Gouging
Replies: 39
Views: 3452

Re: Repairing Stucco: A Case of Contractor Gouging

Every time I have a contractor out, their first question to me is if I own or rent my place. I’m not sure which way is better or worse to answer. They are asking because they don't want to do the work on a rental without the owners permission. I run into this all the time when I need to have work d...
by Ruger
Mon Feb 12, 2018 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: Tenants want to break lease early and is pregnant
Replies: 105
Views: 10364

Re: Tenants want to break lease early and is pregnant

I have had this happen twice. Both times I told the tenants that if I did not find a renter to replace them they would continue to owe me rent. Both times I found renters immediately and it timed out that when the old renters moved out, the new ones moved in. No loss of income for me so they old ren...
by Ruger
Tue Feb 06, 2018 10:54 am
Forum: Personal Consumer Issues
Topic: home security against burglaries
Replies: 11
Views: 1491

Re: home security against burglaries

My main concern with burglaries is personal safety. Things can be replaced. I live in the country so I don't own a security system. By the time the sheriff got there the burglars would be long gone. I have a mercury vapor light in the drive on at night, and I keep a light on in the house if I am gon...
by Ruger
Tue Jan 30, 2018 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Change in "career", PA or Optometry?
Replies: 79
Views: 8134

Re: Change in "career", PA or Optometry?

Retired Optometrist here. I would recommend optometry if a person is aware of the changes that have happened in the last several years. Although many optometrists open or buy a private practice, they generally work for corporate/commercial optometry to start and many work part time after opening a ...
by Ruger
Tue Jan 30, 2018 11:39 am
Forum: Personal Finance (Not Investing)
Topic: 2017 income changed and wife no longer qualifies for ACA subsidy
Replies: 21
Views: 1930

Re: 2017 income changed and wife no longer qualifies for ACA subsidy

I'm in the same boat, but for a different reason. Inherited money which had a large amount of capital gains, so my income for this one year went over the ACA limit. Couldn't find anyway to reduce income (retired, so no IRA contributions possible and no HSA to contribute to). So I'm going to pay bac...
by Ruger
Tue Jan 30, 2018 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Change in "career", PA or Optometry?
Replies: 79
Views: 8134

Re: Change in "career", PA or Optometry?

Retired Optometrist here. I would recommend optometry if a person is aware of the changes that have happened in the last several years. Although many optometrists open or buy a private practice, they generally work for corporate/commercial optometry to start and many work part time after opening a p...
by Ruger
Mon Jan 29, 2018 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: 2017 income changed and wife no longer qualifies for ACA subsidy
Replies: 21
Views: 1930

Re: 2017 income changed and wife no longer qualifies for ACA subsidy

I'm in the same boat, but for a different reason. Inherited money which had a large amount of capital gains, so my income for this one year went over the ACA limit. Couldn't find anyway to reduce income (retired, so no IRA contributions possible and no HSA to contribute to). So I'm going to pay back...