Search found 37 matches

by TrustButVerifying
Tue Feb 02, 2021 4:37 pm
Forum: Personal Investments
Topic: Having such a hard time with investing now
Replies: 70
Views: 5485

Re: Having such a hard time with investing now

OP, at your age you could be working and investing for 30 plus more years before retiring. With that in mind, perhaps it would help lower your anxiety levels if you took a longer-term view of things. What has worked for me is to look at the chart of the SP 500 Index over the last 30 years. From that...
by TrustButVerifying
Tue Dec 29, 2020 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Shopping for an Estate Planning Lawyer
Replies: 34
Views: 1945

Re: Shopping for an Estate Planning Lawyer

Sorry to hear about your situation. We chose our Estate Planning Lawyer after interviewing a list of referrals given to us by our bank. I can’t remember exactly how we chose our lawyer but one factor was that she was a Fellow of the American College of Trust and Estate Counsel (ACTEC). The Estate Pl...
by TrustButVerifying
Sun Dec 20, 2020 11:48 am
Forum: Personal Finance (Not Investing)
Topic: What is the Worst Financial Decision/Mistake You Have Made?
Replies: 230
Views: 18407

Re: What is the Worst Financial Decision/Mistake You Have Made?

I am satisfied enough with my job running a lab in the food industry though I detest living in Illinois. Running a lab sounds great. The contact thing is annoying, but contract-to-permanent is pretty common. Not really common. My previous job I worked for 3 years contract no benefits for a big soft...
by TrustButVerifying
Sat Nov 14, 2020 5:00 pm
Forum: Personal Consumer Issues
Topic: Items that are worth the money for the quality
Replies: 490
Views: 41692

Re: Items that are worth the money for the quality

I dropped about $3500 for a good quality carbon road bike about two years ago (albeit the $3500 is somewhat of an entry price to quality bikes and can go way up from there) It is superb in its performance to what I was using previously - makes the miles that much more enjoyable I agree if you are a...
by TrustButVerifying
Thu Nov 05, 2020 11:52 am
Forum: Personal Consumer Issues
Topic: Steelcase Gesture: Headrest? Other Models? (Office Chair)
Replies: 23
Views: 1793

Re: Steelcase Gesture: Headrest? Other Models? (Office Chair)

Another vote for the Steelcase Leap V2 Chair. When I did my research for a new office chair, the online reviews generally favored the Gesture. With that in mind, we went to a store that carried all of the high end brands and test sat the chairs. We ended up purchasing the Steelcase Leap V2 chair ins...
by TrustButVerifying
Thu May 28, 2020 2:05 pm
Forum: Personal Consumer Issues
Topic: Buy, Lease or Wait on a new car: Opinions?
Replies: 10
Views: 1091

Buy, Lease or Wait on a new car: Opinions?

The lease on our 2017 Lexus RX 350 will be up in November. Right now, Lexus is offering 0 percent financing for up to 60 months on a 2020 model. They will also forgive the remaining lease payments due. We don’t have to do anything but this offer is tempting us. Factors that are causing us analysis p...
by TrustButVerifying
Wed Apr 15, 2020 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Quarterly Taxes
Replies: 43
Views: 2668

Re: Quarterly Taxes

I live in Illinois where they only deferred the April 15 Tax filing to July. They did not change the estimated tax payment due dates. So today, April 15th, I am paying my estimated state tax. In June, I will pay estimated taxes for both State & Federal. In July I will pay the 2019 taxes for Fed ...
by TrustButVerifying
Wed Apr 15, 2020 11:12 am
Forum: Personal Consumer Issues
Topic: Best Way to Watch British Mystery Shows
Replies: 96
Views: 9150

Re: Best Way to Watch British Mystery Shows

Many of my favorite series are available on Acorn TV and currently, Acorn TV is offering a 30 free trial with a promotion code. If you like a bit of goofy humor with your murders, I recommend The Broken Wood Mysteries, Midsomer Murders and Agatha Raisin. If you want serious crime dramas like Foyle's...
by TrustButVerifying
Tue Apr 14, 2020 10:42 am
Forum: Personal Consumer Issues
Topic: Home Security Cameras
Replies: 13
Views: 1426

Re: Home Security Cameras

I have have been very happy with our Ring Video Doorbell Pros and also Ring Stickup Cams. I have had to recharge the battery on the Stickup Cam once (maybe twice) in a year. I think that is pretty good considering it is mounted outdoors. I don't use the Ring Protection Plan with monitoring because i...
by TrustButVerifying
Mon Dec 30, 2019 5:16 pm
Forum: Personal Consumer Issues
Topic: Have you switched from Android to iPhone? What were the pluses and minuses?
Replies: 51
Views: 4706

Re: Have you switched from Android to iPhone? What were the pluses and minuses?

Wouldn't you need a connection to the internet to use an ipod touch for directions in a car ? You would still have to tether it . You would certainly have to tether it. But, I don't believe the iPod Touch has a GPS chip and uses wifi triangulation to determine location. So, my question related more...
by TrustButVerifying
Mon Dec 30, 2019 12:48 pm
Forum: Personal Consumer Issues
Topic: Have you switched from Android to iPhone? What were the pluses and minuses?
Replies: 51
Views: 4706

Re: Have you switched from Android to iPhone? What were the pluses and minuses?

For a while, I was using a dedicated Android phone in my car because CarPlay didn't yet support Google Maps or Waze. My primary phone was an iPhone. Along those lines - one option for you is to get an older iPhone that you keep in your car. Don't get a SIM card for it, just tether it to your Androi...
by TrustButVerifying
Wed Dec 25, 2019 11:26 am
Forum: Personal Consumer Issues
Topic: Safety data - Volvo & others
Replies: 10
Views: 690

Re: Safety data - Volvo & others

That article referenced was from June 2017. When I looked at the IIHS website (https://www.iihs.org/) some of the current Volvo models are listed as Top Safety Picks.
by TrustButVerifying
Tue Nov 12, 2019 11:24 am
Forum: Personal Consumer Issues
Topic: Hard Wired smoke alarms. Recommendations.
Replies: 49
Views: 3918

Re: Hard Wired smoke alarms. Recommendations.

Ram, I wish I had posted your question here a few months ago when I had to replace my 8 Smoke and 2 CO alarms. There is a lot of good information posted here. I replaced my FireX alarms with First Alert alarms. The things I learned were: 1) I found that Amazon had the best pricing. 2) The old FireX ...
by TrustButVerifying
Sat Apr 27, 2019 1:18 pm
Forum: Personal Consumer Issues
Topic: How much cash in London?
Replies: 54
Views: 3873

Re: How much cash in London?

ResearchMed wrote: Sat Apr 27, 2019 11:12 am Will you possibly be in situations where you would want to tip someone using cash?

If so, then do have at least a few small bills/coins/whatever is in vogue on hand.

RM
I would also add the situation where coins are needed to enter a public toilet.
by TrustButVerifying
Sun Apr 21, 2019 3:41 pm
Forum: Personal Consumer Issues
Topic: River cruise, Avignon to Lyon, France
Replies: 36
Views: 2688

Re: River cruise, Avignon to Lyon, France

Your planned trip brought back fond memories of the river cruise from Lyon to Avignon we did a couple of years ago. After the cruise, we rented a car, stayed in Provence for a few days then took the TGV from Avignon to Paris and stayed there for a few days. If I were doing your trip, I would definit...
by TrustButVerifying
Fri Mar 29, 2019 11:11 am
Forum: Personal Consumer Issues
Topic: Best place to buy Microsoft Office 2019....
Replies: 102
Views: 11375

Re: Best place to buy Microsoft Office 2019....

Valuethinker, I don't trust bundled services and services available only through the cloud. Many things can go wrong. People who develop these bundles don't always understand feature interactions. As a user I may have vulnerabilities that I don't know about or can't control even if I know about the...
by TrustButVerifying
Sun Feb 17, 2019 11:56 am
Forum: Personal Finance (Not Investing)
Topic: I want a new Audi A6 2018 (50k) - Can I afford it? Or is this just a really dumb decision...
Replies: 136
Views: 8976

Re: I want a new Audi A6 2018 (50k) - Can I afford it? Or is this just a really dumb decision...

You have plenty of opinions so I will not comment on your original question but I did want to point out something you should consider. One of features that I really like and impresses people is Audi Navigation's Google Earth Map display feature. Google is changing Google Earth in 2020 and when that ...
by TrustButVerifying
Fri Jan 25, 2019 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Switching from Accumulating to Drawing
Replies: 24
Views: 2579

Re: Switching from Accumulating to Drawing

I was in your situation a few years ago and had the same anxieties. In my case, I worried about not knowing what I didn't know. I recommend getting at least one financial plan done. You may be able to get one done for free from whomever has your investment assets (TIAA, Vanguard, Fidelity, etc). We ...
by TrustButVerifying
Sat Nov 10, 2018 12:49 pm
Forum: Personal Consumer Issues
Topic: Paper or Paperless? How and what financial records do you keep?
Replies: 51
Views: 4706

Re: Paper or Paperless? How and what financial records do you keep?

The key to workable electronic filing is organization. You need a way to find something when you want it. In paper times, that is why we used file folders. Mine is very simple...the PC’s standard file structure. I have a data directory literally called “Filing Cabinet”. Within that, are subfolders ...
by TrustButVerifying
Tue Jun 12, 2018 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Social Security: Effect of early claiming on spousal benefit
Replies: 20
Views: 1954

Re: Social Security: Effect of early claiming on spousal benefit

. . . . My wife just filed at age 65. We were born on the same date, with me being 1 year older. I filed for spousal beginning at my FRA, which is based on 1/2 of her PIA, even though she filed 1 year prior to her FRA. . . . Both of our FRA's are age 66. Her age 65 benefit (actually 64 and 11 month...
by TrustButVerifying
Tue Jun 12, 2018 10:45 am
Forum: Personal Consumer Issues
Topic: Recommendation for good charging station to charge phones, tablets
Replies: 11
Views: 1037

Re: Recommendation for good charging station to charge phones, tablets

The chargers already suggested all seem to be good choices. I needed a charger which could also serve as an extension chord when we travel so I got the ZettaGuard Mini 4-Outlet Travel Power Strip https://www.amazon.com/gp/product/B01KZDY7GE/ref=s9_acsd_hps_bw_c_x_4_w?th=1 One thing you also might wa...
by TrustButVerifying
Sun Jun 10, 2018 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Car Lease for parents
Replies: 37
Views: 3311

Re: Car Lease for parents

It seems to me that the most important thing to consider is that today’s cars are far safer than that 20 year old Buick. Does that Buick even have airbags? Current car technology like blind spot monitoring and lane departure warning will help keep you parents from causing an accident. Today’s cars a...
by TrustButVerifying
Sun Jun 10, 2018 10:03 am
Forum: Personal Consumer Issues
Topic: Best solution for digitizing documents?
Replies: 55
Views: 7429

Re: Best solution for digitizing documents?

When I had to replace my printer, the scanning features I looked for were a document feeder and the ability to scan BOTH sides of a page. I ended up getting the HP Officejet Pro 6970 which on sale costed around $100 (the refill ink cartridges cost more) I don’t trust cloud storage and am not comfort...
by TrustButVerifying
Thu May 24, 2018 12:46 pm
Forum: Personal Consumer Issues
Topic: Rental cars in Europe
Replies: 33
Views: 2798

Re: Rental cars in Europe

Looks like you are getting plenty of good input to your questions. I just wanted to relate my experience as a cautionary tale. We rented a car from Avis in Avignon and when we returned the car, the rental office was closed. We knew this would happen so after parking the rental in their lot, we drop...
by TrustButVerifying
Wed May 23, 2018 2:17 pm
Forum: Personal Consumer Issues
Topic: Rental cars in Europe
Replies: 33
Views: 2798

Re: Rental cars in Europe

Looks like you are getting plenty of good input to your questions. I just wanted to relate my experience as a cautionary tale. We rented a car from Avis in Avignon and when we returned the car, the rental office was closed. We knew this would happen so after parking the rental in their lot, we dropp...
by TrustButVerifying
Wed May 23, 2018 1:33 pm
Forum: Personal Consumer Issues
Topic: Lexus RX 350, Audi Q5, or Volvo XC 60 (update)
Replies: 121
Views: 17995

Re: Lexus RX 350, Audi Q5, or Volvo XC 60

Last year, we had to replace my wife's car and looked at the 2018 Audi Q5, Mercedes GLC and the 2017 Lexus RX F-Sport. These are all excellent cars but we went with the Lexus primarily because the leasing terms were significantly better for the Lexus than the others. We have had the car for 6 months...
by TrustButVerifying
Wed Mar 14, 2018 12:17 am
Forum: Personal Consumer Issues
Topic: Sump Pump Issues - What can I do, if anything?
Replies: 31
Views: 7823

Re: Sump Pump Issues - What can I do, if anything?

I would try the blocks under the pump. You may be pumping much more water than required to have a dry basement. I think this (along with replacing the Check Valves) have merit. The plumber installed a battery backup sump pump for me and after listening to my problems with sump pumps failing regular...
by TrustButVerifying
Tue Mar 13, 2018 11:32 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice re: Liberal Arts Colleges...
Replies: 235
Views: 18333

Re: Need advice re: Liberal Arts Colleges...

Thanks for all the thoughtful and useful comments and advice on this thread. After reading many of these comments, I am more encouraged about LACs. As many posters have mentioned, I think my daughter would be quite miserable if I were to force her into a STEM program - she clearly enjoys her Englis...
by TrustButVerifying
Fri Mar 09, 2018 4:20 pm
Forum: Personal Consumer Issues
Topic: Sump Pump Issues - What can I do, if anything?
Replies: 31
Views: 7823

Re: Sump Pump Issues - What can I do, if anything?

During the last 12 hours of that rain event, our sump pump was kicking on every minute, actually every 45 seconds and on for about 5 seconds at a time. Regardless of anything else the pump only running for 5 seconds is a problem. Short cycling the pump is inefficient and will shorten the life of th...
by TrustButVerifying
Mon Mar 05, 2018 4:01 pm
Forum: Personal Consumer Issues
Topic: Luggage/travel recommendations?
Replies: 54
Views: 5336

Re: Luggage/travel recommendations?

We started traveling abroad a few years ago and it turns out that the dimensions for a Carry On for Foreign Airlines are smaller than they are for US airlines. So for Carry On luggage, we got a Travel Pro Crew 10 and an Osprey Farpoint 40. However, the best recommendation I can make is to get Packin...
by TrustButVerifying
Mon Mar 05, 2018 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Save paper copies of tax returns and other docs, or is digital OK?
Replies: 23
Views: 2765

Re: Save paper copies of tax returns and other docs, or is digital OK?

I feel completely secure and future-proof saving documents exclusively in PDF. There are thousands of companies that save contracts in PDF. My company digitized all of our old paper contracts, and we exclusively use PDFs for new contracts, 99% of which are digitally-signed, with pen never touching ...
by TrustButVerifying
Mon Mar 05, 2018 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: What is the tax situation look like for an inherited trust?
Replies: 11
Views: 973

Re: What is the tax situation look like for an inherited trust?

My understanding is that Trust income is taxed at a higher rate than personal income. Therefore to be tax efficient, all trust generated income (interest, dividends or capital gains) is distributed to me every year because my personal tax rate is way lower than the Trust's. This is allowable under t...
by TrustButVerifying
Thu Jan 25, 2018 5:07 pm
Forum: Personal Consumer Issues
Topic: Smart home lighting: which lights to automate?
Replies: 19
Views: 2338

Re: Smart home lighting: which lights to automate?

Based on my recent experience and information gathered on-line, I would recommend against the Insteon brand of switches. They seem to have a short lifetime/high failure rate. I have had Insteaon Switches in my home for about 10 years now and have to agree. I have about 10 switches and have had to r...
by TrustButVerifying
Thu Jan 25, 2018 4:43 pm
Forum: Personal Investments
Topic: Holding stock in certificates --> good reasons to do this?
Replies: 15
Views: 2257

Re: Holding stock in certificates --> good reasons to do this?

These days I don't think there are any advantages to holding stock in certificate form. If it's in book entry form you can sell it instantly (assuming the market is open). My bet would be that he has a sentimental attachment to the paper certificates, they represent something to him that is not app...
by TrustButVerifying
Tue Jan 16, 2018 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Executor/Trustee question
Replies: 20
Views: 1856

Re: Executor/Trustee question

I had a similar situation when my parents died (in California). They had a trust but the only asset titled in the Trust was their home. All of their other assets (stocks, CDs, checking, etc) were titled as joint. The lawyer who created the Estate documents for my parents said that their will had a ...
by TrustButVerifying
Mon Jan 15, 2018 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Executor/Trustee question
Replies: 20
Views: 1856

Re: Executor/Trustee question

I had a similar situation when my parents died (in California). They had a trust but the only asset titled in the Trust was their home. All of their other assets (stocks, CDs, checking, etc) were titled as joint. The lawyer who created the Estate documents for my parents said that their will had a p...
by TrustButVerifying
Mon Jan 15, 2018 11:48 am
Forum: Personal Consumer Issues
Topic: Recommend an A.C. powered auto tire inflator
Replies: 43
Views: 4750

Re: Recommend an A.C. powered auto tire inflator

I have been very happy with the Kobalt Dual Power Inflator that I purchased from Lowes a number of years ago. I bought it because of the digital read out and because you can set the pressure and it will stop pumping when it reaches that pressure. It can be plugged into a house outlet or into your ca...