Search found 249 matches

by Sasquatch
Fri Dec 14, 2018 11:06 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring next year, would appreciate some advice
Replies: 27
Views: 2025

Re: Retiring next year, would appreciate some advice

Consider selling your Megacorp stock. Talk with a CPA before you do this. You may want to discuss if NUA (Net Unrealized Appreciation) rules might be a viable solution. https://www.kitces.com/blog/net-unrealized-appreciation-irs-rules-nua-from-401k-and-esop-plans/ https://www.bogleheads.org/forum/vi...
by Sasquatch
Mon Dec 10, 2018 6:07 pm
Forum: Personal Consumer Issues
Topic: safest downhill ski helmet
Replies: 30
Views: 982

Re: safest downhill ski helmet

White Coat Investor wrote:
Mon Dec 10, 2018 5:24 pm
I hear it more often with avalanche beacons and now airbags too. Nevertheless, I still haul all three up the mountain
Heli? Cat? Skinning/touring?
by Sasquatch
Mon Dec 10, 2018 2:41 pm
Forum: Personal Consumer Issues
Topic: portable jump starters
Replies: 56
Views: 3768

Re: portable jump starters

I was skeptical about portable jump starters and got a rather large battery jump starter from costco (it was about the size of regular car battery, even slightly bigger). It worked fine few times but then once failed to start the car even though it was full charged. Then I recalled about a portable...
by Sasquatch
Mon Dec 10, 2018 2:03 pm
Forum: Personal Consumer Issues
Topic: safest downhill ski helmet
Replies: 30
Views: 982

Re: safest downhill ski helmet

I would say that you probably need a helmet most on a Blue run where you let your guard down and there are lots of other snow riders. Some riding/skiing too fast and above their abilities can take you out when you least expect it. Yes, always wear a helmet. My point is nothing replaces good judgeme...
by Sasquatch
Mon Dec 10, 2018 1:16 pm
Forum: Personal Consumer Issues
Topic: safest downhill ski helmet
Replies: 30
Views: 982

Re: safest downhill ski helmet

I will say I skied the first 35 years 50-70 days a year on snow with nothing more than a plain old wool winter hat. Double blacks, trees the works. I’m still alive with no brain damage lol. Assessing risk, knowing your “true” ability and skiing terrain accordingly is your best bet. No helmet can sav...
by Sasquatch
Mon Dec 10, 2018 11:31 am
Forum: Personal Consumer Issues
Topic: safest downhill ski helmet
Replies: 30
Views: 982

Re: safest downhill ski helmet

Another vote for Giro. Here’s the one I have

https://www.giro.com/us_en/snow/mens/sn ... union.html
by Sasquatch
Fri Nov 30, 2018 11:02 pm
Forum: Personal Consumer Issues
Topic: Auto battery charger recommendation?
Replies: 8
Views: 944

Re: Auto battery charger recommendation?

I use Batteryminder to keep my RV batteries topped off in storage. The battery’s work great when I put them back into service every spring. Accept a charge well and last a long time when dry camping. http://www.batteryminders.com/ I use this one but it is not certified for AGM https://www.amazon.com...
by Sasquatch
Thu Nov 29, 2018 11:39 pm
Forum: Personal Consumer Issues
Topic: Winter boot recommendation
Replies: 26
Views: 2340

Re: Winter boot recommendation

Ive had my Sorel Caribous for years but I usually go to my Wolverene 8" tall all leather work boot vibram sole/ gore tex liner / 200 gram thinsulate. With a pair of midweight merino wool socks I am good down to about 20 degrees. Heavy slush, water, snow, no problem.
by Sasquatch
Wed Nov 28, 2018 7:30 pm
Forum: Personal Consumer Issues
Topic: Calling all 50-60 year old homeowners with kids/families
Replies: 36
Views: 4164

Re: Calling all 50-60 year old homeowners with kids/families

Early 50s here.We downsized into a 1979 basic ranch when our kids were out on there own. The whole house was still vintage 79 as most fixtures were original. We stayed in the house as is for 7 years to make sure we liked the area, neighbors, etc and found we loved the setup. We gutted the home with ...
by Sasquatch
Tue Nov 27, 2018 3:04 pm
Forum: Personal Consumer Issues
Topic: Car advice - new attending - what to buy?
Replies: 37
Views: 3744

Re: Car advice - new attending - what to buy?

The best all wheel drive vehicle on the planet will not stop any better than any other car. That’s why I run studless snow tires. Heck, in the winter I spend more time trying to avoid the knuckle head that is using poor judgement in a ill equipped vehicle. To address the “I don’t have time issue”. I...
by Sasquatch
Mon Nov 26, 2018 9:56 pm
Forum: Personal Consumer Issues
Topic: Car advice - new attending - what to buy?
Replies: 37
Views: 3744

Re: Car advice - new attending - what to buy?

We really like our Subaru Outback. In hindsight I would have gone with the larger 3.6 engine and eyesight equipped. We are in a mountain region. Our local ski hill got 600+ inches of snow two years ago during “snowzilla” I feel very safe driving up there. Studless snow tires along with good judgemen...
by Sasquatch
Thu Nov 22, 2018 2:47 pm
Forum: Personal Consumer Issues
Topic: Budget Laptops
Replies: 17
Views: 1977

Re: Budget Laptops

Amongst several family members we have had issues with HP laptop and desktops. Lenovo has been much better in our experience. I have a friend in tech that says ASUS also makes a very good machine.
by Sasquatch
Thu Nov 08, 2018 4:09 pm
Forum: Personal Consumer Issues
Topic: 2019 Subaru Outback 2.5 vs 3.6
Replies: 43
Views: 4909

Re: 2019 Subaru Outback 2.5 vs 3.6

It’s a shame they discontinued the 2.5 XT turbocharged engine in the Forester. 224hp. Great mileage if you stay off the turbo but the power is there when you need it. I’m not sure if it was ever offered in a Outback though.
by Sasquatch
Wed Oct 31, 2018 12:31 pm
Forum: Personal Consumer Issues
Topic: 2019 Subaru Outback 2.5 vs 3.6
Replies: 43
Views: 4909

Re: 2019 Subaru Outback 2.5 vs 3.6

2014 Outback 2.5i here. We are in the Mountains. Snowy mountain passes, ski hills, etc. I would definitely go 3.6. I would happily pay the extra fuel cost. Best snow car by far I have ever owned. Way better than our pickup in 4wd. That being said there are literally hundreds of Subaru’s in our town ...
by Sasquatch
Tue Oct 09, 2018 9:59 am
Forum: Personal Consumer Issues
Topic: Best headphones under 500 bucks
Replies: 79
Views: 6389

Re: Best headphones under 500 bucks

I like my grado SR60s. Great bang for the buck. Many different price points to choose from in their line up.
by Sasquatch
Mon Oct 01, 2018 12:20 am
Forum: Personal Consumer Issues
Topic: How to tell contractor you don't plan to pay him. [Roofing]
Replies: 65
Views: 6148

Re: How to tell contractor you don't plan to pay him.

After you have collected all your information to make a strong case.......... couldn’t you post a claim against their bond? If they are licensed you could file a complaint. File a complaint with the builders association / contractors board. Hopefully the two of you can sit down and come to an agreem...
by Sasquatch
Fri Sep 28, 2018 5:13 pm
Forum: Personal Consumer Issues
Topic: Old Costco American Express 2-Year Warranty Extension
Replies: 18
Views: 3104

Re: Old Costco American Express 2-Year Warranty Extension

After being on the phone with Costco, AmEx, and Citi (who knows why??) all day, I was informed this afternoon for the first time that the 2 year manufacturers warranty we were told came with the TV, is in fact only one year and we are SOL. When I asked Costco why everyone from their salesman up unt...
by Sasquatch
Thu Sep 27, 2018 6:27 pm
Forum: Investing - Help with Personal Investments
Topic: Payoff rental house mortgage?
Replies: 10
Views: 1058

Re: Payoff rental house mortgage?

Might want to look at your tax return from last year and see what number you carried to your 1040 from schedule E. You only pay taxes on proceeds after certain expenses, depreciation, interest paid on loan, repairs, maint, prop mgmt. just to name a few (last years sched E would give you somewhat of ...
by Sasquatch
Mon Sep 24, 2018 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Fed up with health insurance situation
Replies: 117
Views: 7576

Re: Fed up with health insurance situation

Just my opinion, but the issue/cause is not, primarily at least, "Health Insurance" - but, rather, the large (and growing) costs/expenditures on health and medical care. There are: - Over utilization of services - Over pricing of services - Large bureaucracy at providers - Large and growing increas...
by Sasquatch
Mon Sep 24, 2018 2:51 pm
Forum: Personal Consumer Issues
Topic: Does health insurance cover hearing aids
Replies: 21
Views: 1528

Re: Does health insurance cover hearing aids

I have Aetna from Megacorp. They paid $1750 toward my aids. I needed a special hearing aid that Costco did not carry so I went to a small private shop.
by Sasquatch
Sun Sep 23, 2018 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Should I try to sell Rental prop or Refi to generate cash?
Replies: 9
Views: 1022

Re: Should I try to sell Rental prop or Refi to generate cash?

Have you considered offering the property to the tenant? Perhaps with some sort of seller-finance incentive. I would rather have the cash and just move on. In review of the tenant application I dont think they make enough to have a $2300 house pmt even if I do kick back $20k to help with 5% down. I...
by Sasquatch
Sun Sep 23, 2018 3:36 pm
Forum: Personal Consumer Issues
Topic: Slip on loafer shoes for working guy?
Replies: 8
Views: 1324

Re: Slip on loafer shoes for working guy?

These aren't cheap https://www.zappos.com/p/merrell-jungle-moc-taupe-suede/product/7460781/color/691 OP could consider these https://www.amazon.com/Georgia-Boot-Romeo-Loafer-Medium/dp/B071GPGPDF/ref=sr_1_16?ie=UTF8&qid=1537735942&sr=8-16&keywords=georgia%2Bboot%2Bromeo&th=1&psc=1 Sturdy shoe, steel...
by Sasquatch
Sun Sep 23, 2018 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Should I try to sell Rental prop or Refi to generate cash?
Replies: 9
Views: 1022

Re: Should I try to sell Rental prop or Refi to generate cash?

Thank you for the reply. I agree selling is the right decision. I have been watching the local market and things are softening slightly. I don't know if that is due to heading into winter here=snow or a overall economic shift. Exact same floor plan is for sale one street over for $380k. My lot is tw...
by Sasquatch
Sun Sep 23, 2018 2:29 pm
Forum: Investing - Help with Personal Investments
Topic: What investment company does your employer use?
Replies: 21
Views: 1437

Re: What investment company does your employer use?

T Rowe price through Megacorp. Fortunately its has some nice Vanguard offerings with .04 ER for TBM to .09 ER for 500 index.
by Sasquatch
Sun Sep 23, 2018 11:58 am
Forum: Personal Consumer Issues
Topic: Slip on loafer shoes for working guy?
Replies: 8
Views: 1324

Re: Slip on loafer shoes for working guy?

How about something like this? Waterproof membrane. Put some nikwax or snoseal on the uppers to help fend off stains https://www.cabelas.com/product/CABELAS-MN-SERIES-ROMEO/1841619.uts?slotId=0 For changing oil and repair on the cars I bought a set of used coveralls from the local commercial laundry...
by Sasquatch
Sat Sep 22, 2018 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: Should I try to sell Rental prop or Refi to generate cash?
Replies: 9
Views: 1022

Should I try to sell Rental prop or Refi to generate cash?

UPDATE TO POST 9/22/18 9:15 PST I feel like we need more info, what's your household income from employment, No longer employed, 72t / Roth ladder starting this December value of all assets: Net Worth $3.1M ($2.25M 401k, $500k primary res, $380k rental, personal property $90k, total debt $148k, rent...
by Sasquatch
Thu Sep 20, 2018 4:23 pm
Forum: Personal Consumer Issues
Topic: Did you really have something to retire to?
Replies: 133
Views: 11880

Re: Did you really have something to retire to?

Work provides more than a paycheck. It gives you: a social environment (people to interact with) an intellectual stimulation an entertainment a source of pride (helping others) a time/place structure wife" at home whose company you enjoy? Fair enough. I stand corrected. Wife still works (7 working ...
by Sasquatch
Thu Sep 20, 2018 4:08 pm
Forum: Personal Consumer Issues
Topic: YouTube Home workout vidoes
Replies: 33
Views: 2456

Re: YouTube Home workout vidoes

I like first gen regular P90 No weights. X was too much for me so maybe regular P90 will be too easy

https://www.youtube.com/watch?v=wPCG346se-Y
by Sasquatch
Thu Sep 20, 2018 12:59 pm
Forum: Personal Consumer Issues
Topic: Painting kitchen cabinet
Replies: 23
Views: 1403

Re: Painting kitchen cabinet

We refinished our circa 1979 cabinets. A product called Flotrol was really helpful. Made the paint more forgiving for us newbies. We pulled the doors off and had a pro shoot them ($300) and rolled the boxes.
by Sasquatch
Thu Sep 20, 2018 12:56 pm
Forum: Personal Consumer Issues
Topic: BlackFriday Shopping - what do you usually buy? (other than Christmas gifts)
Replies: 36
Views: 2631

Re: BlackFriday Shopping - what do you usually buy? (other than Christmas gifts)

magicrat wrote:
Thu Sep 20, 2018 12:54 pm
The only thing I"ll be buying on black friday is takeout so I can stay home.
Amen
by Sasquatch
Thu Sep 20, 2018 11:18 am
Forum: Personal Consumer Issues
Topic: Did you really have something to retire to?
Replies: 133
Views: 11880

Re: Did you really have something to retire to?

Work provides more than a paycheck. It gives you: a social environment (people to interact with) an intellectual stimulation an entertainment a source of pride (helping others) a time/place structure Most people are immerse in a large or small family, so the family provides all of that. There might...
by Sasquatch
Wed Sep 19, 2018 5:58 pm
Forum: Personal Consumer Issues
Topic: Did you really have something to retire to?
Replies: 133
Views: 11880

Re: Did you really have something to retire to?

No clue, and I'm good with that :sharebeer
by Sasquatch
Wed Sep 19, 2018 12:20 pm
Forum: Investing - Theory, News & General
Topic: “Majority of working-age Americans have no retirement savings”
Replies: 73
Views: 4231

Re: “Majority of working-age Americans have no retirement savings”

AlohaJoe wrote:
Wed Sep 19, 2018 11:15 am
Sasquatch wrote:
Wed Sep 19, 2018 10:46 am
Why in the world would I want to reveal my financial status to a government agency?
There's no government agency involved in this story. Why do you think there is?
Data came from US Census Bureau according to article.
by Sasquatch
Wed Sep 19, 2018 10:46 am
Forum: Investing - Theory, News & General
Topic: “Majority of working-age Americans have no retirement savings”
Replies: 73
Views: 4231

Re: “Majority of working-age Americans have no retirement savings”

livesoft wrote:
Wed Sep 19, 2018 10:22 am
So where do all these retired people that I see all over the US come from? I suspect people do not tell pollsters the truth about their savings.
+1

Why in the world would I want to reveal my financial status to a government agency?
by Sasquatch
Tue Sep 18, 2018 12:28 pm
Forum: Investing - Theory, News & General
Topic: Equity in house / Do you use it?
Replies: 56
Views: 3608

Re: Equity in house / Do you use it?

Getting a HELOC while retired may not be as easy as people think. You would have to show sufficient income to pay back the loan. If you haven't been taking RMDs, money out of tax deferred accounts that counts as income and/or get sufficient pension/social security you may not qualify. Those are inc...
by Sasquatch
Mon Sep 17, 2018 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: retiring soon, any advice on moving 401k?
Replies: 6
Views: 824

Re: retiring soon, any advice on moving 401k?

Something to consider before rolling your 401k. https://www.investopedia.com/terms/e/erisa.asp https://en.wikipedia.org/wiki/Employee_Retirement_Income_Security_Act_of_1974 IRAs also have protection. Sometimes they very by state. 401k plans are considered the "gold standard" with regard to creditor ...
by Sasquatch
Sun Sep 16, 2018 1:27 pm
Forum: Personal Consumer Issues
Topic: Embarking on a large-scale home update
Replies: 26
Views: 1418

Re: Embarking on a large-scale home update

We moved in with family for 6 months and completely gutted the house we were renovating. It was worth it to do it all at once.
by Sasquatch
Sun Sep 16, 2018 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance Help
Replies: 1
Views: 243

Re: Health Insurance Help

These were a good start for me when I was starting to learn. https://www.healthsherpa.com https://www.healthcare.gov https://thefinancebuff.com/federal-poverty-levels-for-obamacare.html https://www.kff.org http://www.early-retirement.org/forums/f38/planning-for-health-care-in-retirement-vanguard-901...
by Sasquatch
Sat Sep 15, 2018 10:06 pm
Forum: Investing - Help with Personal Investments
Topic: Purchase duplex for retirement real estate income stream?
Replies: 6
Views: 722

Re: Purchase duplex for retirement real estate income stream?

Thanks. That's a great analogy. Just one follow-up question: does it make a difference to this analogy if I say that this one stock not only shows a profit in dollars, but also provides the only circumstance under which I could own a home (rather than a condo) in a really expensive town? I realize ...
by Sasquatch
Sat Sep 15, 2018 9:09 pm
Forum: Investing - Help with Personal Investments
Topic: Purchase duplex for retirement real estate income stream?
Replies: 6
Views: 722

Re: Purchase duplex for retirement real estate income stream?

I would liken that to owning 75% of your assets in one stock. Would you be comfortable with that? My primary res and rental prop combined account for 28% of my NW. The rental is 18% by itself. Thats enough for my personal risk tolerance. However, each person is different. Moreover, both properties a...
by Sasquatch
Sat Sep 15, 2018 8:17 pm
Forum: Personal Consumer Issues
Topic: ACA - Silver plan cost sharing worth it?
Replies: 29
Views: 2388

Re: ACA - Silver plan cost sharing worth it?

I have to decide between utilizing my last year of COBRA or jumping to ACA for 2019. ] I'm not sure you can voluntarily give up cobra and receive ACA subsidies. When you are no longer eligible for cobra, that becomes a qualifying life event change, and you may enroll in ACA outside of the usual ope...
by Sasquatch
Sat Sep 15, 2018 7:57 pm
Forum: Personal Consumer Issues
Topic: ACA - Silver plan cost sharing worth it?
Replies: 29
Views: 2388

Re: ACA - Silver plan cost sharing worth it?

I'm going thru the same exercise right now. I have to decide between utilizing my last year of COBRA or jumping to ACA for 2019. I made a simple spreadsheet with tabs subsidized, unsubsidized, and CSR. I then went through my medical bills from 2017 and the last 8 months of 2018 to get a rough monthl...
by Sasquatch
Sat Sep 15, 2018 7:30 pm
Forum: Personal Consumer Issues
Topic: The twenty dollar rule revisited
Replies: 44
Views: 5213

Re: The twenty dollar rule revisited

Would having YNAB, or Mint on each of your mobile devices help raise awareness? Budget available on the fly. We do Quicken. We are on the same page as far as spending and setting goals. We crafted a budget together. We go through our combined receipts once a week and code them in Quicken with a quic...
by Sasquatch
Fri Sep 14, 2018 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: Job burnout - Keep grinding or change?
Replies: 62
Views: 6790

Re: Job burnout - Keep grinding or change?

Are you exersizing daily? Eating right? Are you taking your lunches and breaks at work. Go take a walk on your lunch break. Get out of the workplace. Do you have a annual physical done? It would be a good time to talk to your family doc. about your situation. At age 41 I stuck it out for 10 years an...
by Sasquatch
Fri Sep 14, 2018 7:18 pm
Forum: Personal Consumer Issues
Topic: Selling car to out of state buyer- funds
Replies: 19
Views: 1209

Re: Selling car to out of state buyer- funds

I bought a Truck 2 states away. I went to pick up the truck in person. Me and seller both went to my banks local branch in their town. Seller saw me receive cashiers check as they were in the lobby. We then both went to the sellers Credit union where he had the loan for the truck. Clerk came out I h...
by Sasquatch
Fri Sep 14, 2018 3:02 pm
Forum: Investing - Theory, News & General
Topic: Age in Bonds - Still Recommended?
Replies: 152
Views: 12069

Re: Age in Bonds - Still Recommended?

Slowly I've adopted the idea that "if you've already won the game why continue to play"? (Bernstein) Also "a retiree should not hold anything near his risk tolerance". (Ferri). +1 52y.o. retired. AA 50/35/15 A hourly fee based financial planner ran us through a bunch of questions to get an idea of ...
by Sasquatch
Fri Sep 14, 2018 12:46 pm
Forum: Personal Consumer Issues
Topic: I need a chainsaw to trim branches and limbs!!
Replies: 93
Views: 4478

Re: I need a chainsaw to trim branches and limbs!!

Cheap and manditory IMHO. Will last a long time with proper care. https://www.amazon.com/Oregon-563474-Chainsaw-Safety-Protective/dp/B016YVOHPM/ref=asc_df_B016YVOHPM/?tag=hyprod-20&linkCode=df0&hvadid=198092870787&hvpos=1o1&hvnetw=g&hvrand=8166700815875868541&hvpone=&hvptwo=&hvqmt=&hvdev=c&hvdvcmdl=...
by Sasquatch
Thu Sep 13, 2018 2:20 pm
Forum: Personal Consumer Issues
Topic: Outback, Legacy, Camry Hybrid
Replies: 14
Views: 850

Re: Outback, Legacy, Camry Hybrid

I’m a huge Outback fan. If you need to haul stuff the Forester / Outback is a slam dunk. If not, I think the Camry might be the better tool for the job. I am very tall and the Outback fits me the best. The Outback sits up a bit higher off the ground which makes it easier for me to get out of. You me...