Search found 289 matches

by Sasquatch
Thu Oct 03, 2019 11:02 pm
Forum: Personal Consumer Issues
Topic: Camper Trailers
Replies: 17
Views: 2219

Re: Camper Trailers

Buy used and STILL prepare to loose your shirt when you sell it somewhere down the line. I am selling my old toyhauler tomorrow. I bought it used 3 years old at roughly 40% discount to new retail list price. Kept it 4 years (had a ball using it!) and I am taking a depreciation hit of 28% against wha...
by Sasquatch
Sun Sep 08, 2019 12:27 am
Forum: Personal Consumer Issues
Topic: Winter (snow) tires for Volvo XC-70
Replies: 26
Views: 1650

Re: Winter (snow) tires for Volvo XC-70

I've had Nokian Haka's, Michelin x-ice, Nordman (Nokian). We have had the best luck with Toyo's for our PNW snow conditions. I bought used OEM wheels & sensors to keep summer & winter on wheels.

https://www.toyotires.com/tire/pattern/ ... serve-gsi5
by Sasquatch
Mon Sep 02, 2019 10:46 pm
Forum: Personal Consumer Issues
Topic: Subaru Outback issue
Replies: 38
Views: 3933

Re: Subaru Outback issue

OP, I also have 2014 Outback 4cyl. Fortunately, not one single issue in 50k miles. I do have a question for you regarding the CVT. Did you come to a complete stop when selecting P/D/R and stay stopped to allow the trans to engage? My trans engages painfully slow. We tough it out and wait with the fo...
by Sasquatch
Fri Jul 19, 2019 11:24 am
Forum: Personal Consumer Issues
Topic: Glacier National Park
Replies: 19
Views: 2333

Re: Glacier National Park

We camped at glacier many years ago in late August. We headed home the first week of September in a snow flurry. Thought I would throw that in so you can pack a couple of extra layers just in case. It’s an epic place for sure
by Sasquatch
Wed Jul 03, 2019 8:09 pm
Forum: Personal Consumer Issues
Topic: Cleaning bugs off car bumper
Replies: 32
Views: 2693

Re: Cleaning bugs off car bumper

Stoners Tarminator. It took multiple nasty pitch spots off easy with no aggressive scrubbing. It’s a harsh chemical so follow the directions. I wash the area I treated than reseal it with Meguires ultimate fast finish or Menzerna power lock https://www.amazon.com/Stoner-Car-Care-91154-Tarminator/dp/...
by Sasquatch
Wed Jul 03, 2019 2:06 pm
Forum: Personal Investments
Topic: Asset allocation questions due to change of income streams
Replies: 10
Views: 1388

Re: Asset allocation questions due to change of income streams

Have you actually started this SEPP? If yes, you need to be careful that you do not bust it (or be prepared to pay the penalties if you want to bust it). No, I have not started a 72t/SEPP plan. I had everything in place to proceed but did not pull the trigger. Ya, that extra 10% early withdrawl pen...
by Sasquatch
Tue Jul 02, 2019 11:48 pm
Forum: Personal Investments
Topic: Asset allocation questions due to change of income streams
Replies: 10
Views: 1388

Re: Asset allocation questions due to change of income streams

What are your expectations for Social Security benefits There are portions of a passage of the policy titled "What are deductible sources of income?" "The plan will subtract from your gross disability payment the following deductible sources of income" "The amount that you, your spouse and your chi...
by Sasquatch
Tue Jul 02, 2019 9:27 pm
Forum: Personal Investments
Topic: Asset allocation questions due to change of income streams
Replies: 10
Views: 1388

Re: Asset allocation questions due to change of income streams

Watty wrote:
Tue Jul 02, 2019 8:08 pm
What are your expectations for Social Security benefits and do the disability payments end when you turn 65?
Thanks for your reply Watty. I will re-read the policy details in full and report back.
by Sasquatch
Tue Jul 02, 2019 6:20 pm
Forum: Personal Investments
Topic: Asset allocation questions due to change of income streams
Replies: 10
Views: 1388

Asset allocation questions due to change of income streams

Hello all, I recently received formal written notification that I have been approved for a monthly long term private disability insurance policy payment. Me and my wife officially retired in November 2018. I had not planned on this income. I was going to draw down my nest egg using a 72t strategy. I...
by Sasquatch
Fri Jun 28, 2019 9:17 am
Forum: Personal Consumer Issues
Topic: how much to finance a new car at .9%
Replies: 57
Views: 4399

Re: how much to finance a new car at .9%

I would pay cash. Not enough of a spread to make it worthwhile for me.
by Sasquatch
Sat Apr 13, 2019 12:35 am
Forum: Personal Consumer Issues
Topic: Approx. cost of 2 new garage doors?
Replies: 14
Views: 1451

Re: Approx. cost of 2 new garage doors?

Had 2 doors replaced December 2018

9’x7’ Wayne Dalton model 9700 (r10)
14’ radius track
White, Hampton panel, no windows
Installed & haul away, dispose of old doors
$2700.00

I’m in Oregon so no sales tax.
by Sasquatch
Fri Feb 22, 2019 2:42 pm
Forum: Personal Consumer Issues
Topic: Touring Southern Utah national parks by RV: RV park recommendations
Replies: 5
Views: 330

Re: Touring Southern Utah national parks by RV: RV park recommendations

Do you always stay in parks or do you go boondocking? There is so much open land, and much of it BLM land, that boondocking opportunities are plentiful in that whole region. When camping in our home state of Oregon we almost always dry camp at state parks. We carry 110 gal of fresh water and have g...
by Sasquatch
Fri Feb 22, 2019 2:36 pm
Forum: Personal Consumer Issues
Topic: Touring Southern Utah national parks by RV: RV park recommendations
Replies: 5
Views: 330

Re: Touring Southern Utah national parks by RV: RV park recommendations

When are you going to squeeze in the Grand Canyon? As the prior poster noted, the north rim won't be open until May 15, so it may be a long detour. I haven't camped out of state for probably 20 years so I am kinda clueless and learning as I go. Great info on Grand Canyon. I could do the loop starti...
by Sasquatch
Fri Feb 22, 2019 1:58 pm
Forum: Personal Consumer Issues
Topic: Touring Southern Utah national parks by RV: RV park recommendations
Replies: 5
Views: 330

Touring Southern Utah national parks by RV: RV park recommendations

Hello all, We would like to go see the national parks of southern Utah late April into May. Does anybody have RV Park or Campsite recommendations? We are thinking about this route with a detour south to the Grand Canyon. https://www.visitutah.com/plan-your-trip/recommended-itineraries/iconic-classic...
by Sasquatch
Mon Feb 11, 2019 1:36 am
Forum: Personal Consumer Issues
Topic: Protecting vinyl plank floor from sofa
Replies: 12
Views: 1057

Re: Protecting vinyl plank floor from sofa

Thank you everyone for the replies. It's a sectional, with recliners. I don't there there will be legs. I think it's metal rails. But I don't know for sure. Which is why I was thinking an area rug or something. I have tons of extra vinyl flooring planks left. I was gonna put some pieces under the s...
by Sasquatch
Wed Feb 06, 2019 2:44 pm
Forum: Personal Consumer Issues
Topic: What do you blame for unhappiness in retirement?
Replies: 53
Views: 4057

Re: What do you blame for unhappiness in retirement?

After only a short time retired I find I am bored part of the time which I accept complete responsibility for. My job was in the service industry and I am finding I am really missing helping people. I look after my MIL & FIL run errands, yard work, dr. Appts and on and on. I really feel joy when I a...
by Sasquatch
Fri Jan 25, 2019 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Pay Cash for Primary Residence?
Replies: 44
Views: 4772

Re: Pay Cash for Primary Residence?

I’m in my 50s and just paid off all of our debt. There may or may not be a spread on opportunity cost on the money but debt free has always been a goal and it feels great.
by Sasquatch
Wed Jan 23, 2019 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance for Retirees, % escalation
Replies: 52
Views: 3933

Re: Health Insurance for Retirees, % escalation

Where the heck has productive discourse gone? Now, I'm not going throw that blanket statement across all. However, I think there is a pretty good chance there is some really valuable real world experience from folks who are sitting this one out for fear of getting flamed. Thats a shame. Willthrill I...
by Sasquatch
Thu Jan 17, 2019 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 690
Views: 69612

Re: Why are you NOT buying rental properties?

I had to chuckle to myself about today. As I write this I am waiting for the plumbers to finish at my recently sold rental. Tenants moved out today and I am turning over the keys to the new owners today. Noticed a leak under the kitchen sink on final move out inspection. Probably a $500 bill today. ...
by Sasquatch
Thu Jan 17, 2019 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Banktivity 7 versus Quicken 2019 (Mac)
Replies: 1
Views: 554

Re: Banktivity 7 versus Quicken 2019 (Mac)

Yes, I have tried both and went back to Quicken for Mac as I have been using the windows product since the early 90s. I had a number of issues with error messages in Banktivity and the support team was very slow to respond often taking 1-2 weeks before they even replied to my ticket request. Not a g...
by Sasquatch
Wed Jan 16, 2019 10:51 pm
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 690
Views: 69612

Re: Why are you NOT buying rental properties?

I sold my last rental last month. In my area a $400k SFH rents for $1800 - $2,000 / mo. Talk of rent control looms in city council public hearings.

The risk / reward is not there for me.
by Sasquatch
Wed Jan 16, 2019 10:11 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 57113

Re: John Bogle has died at age 89

RIP Mr. Bogle, a life well lived. An incredible contribution to society.
by Sasquatch
Sat Jan 12, 2019 2:09 am
Forum: Personal Consumer Issues
Topic: Anyone raised 3 kids WITHOUT buying a 3-row vehicle?
Replies: 82
Views: 6172

Re: Anyone raised 3 kids WITHOUT buying a 3-row vehicle?

Minivans with a sliding door are awesome. Your life will be SO much easier. Get 2nd row captain chairs, not a bench in the 2nd row. Keeps the kids apart, plenty of room to put a cooler right there between the kids. This. Been there done that. Probably made half dozen round trips (1,850 miles one wa...
by Sasquatch
Fri Jan 11, 2019 9:56 pm
Forum: Investing - Theory, News & General
Topic: Did you ever "win" big?
Replies: 133
Views: 10564

Re: Did you ever "win" big?

It’s been forever ago. In the early 90s was loading the floppy disc called DOS on the computer to use it. Then Quattro 1-2-3 then this thing called Microsoft Excel came along and it worked great for stuff I was doing at work. I bought $5k ish of MSFT. Sold for $15k ish to buy our first house. Super ...
by Sasquatch
Fri Jan 11, 2019 7:07 pm
Forum: Personal Investments
Topic: What financial instution do you use for cash?
Replies: 14
Views: 1183

Re: What financial instution do you use for cash?

My point is that it may not matter what you put your after tax money into, as long as it is seen as part of your AA. Since you are required to take money out of your IRAs anyway, you will always be rebalancing things. That was another question I had. Thanks for bringing it up. I will need to move s...
by Sasquatch
Fri Jan 11, 2019 7:03 pm
Forum: Personal Investments
Topic: What financial instution do you use for cash?
Replies: 14
Views: 1183

Re: What financial instution do you use for cash?

No amount of money could pay for the half hour my eyes spent glued on the yellowish quarter moon last night as it slid down the night sky before melting into the silhouetted mountains. What a sight! Agreed! Spent yesterday in the mountains at 8000 ft elevation. Beautiful snow covered mountain peaks...
by Sasquatch
Fri Jan 11, 2019 2:41 pm
Forum: Personal Investments
Topic: What financial instution do you use for cash?
Replies: 14
Views: 1183

Re: What financial instution do you use for cash?

wolf359 wrote:
Fri Jan 11, 2019 2:16 pm
You may want to structure your question in the form of the portfolio advice format. This will identify your goals, income requirements, and assets.
Thanks wolf, I just went back and read the wiki information again. I will try to be more clear going foreword
by Sasquatch
Fri Jan 11, 2019 2:12 pm
Forum: Personal Investments
Topic: What financial instution do you use for cash?
Replies: 14
Views: 1183

Re: What financial instution do you use for cash?

englishgirl, Thank you very much for your reply! :happy I really don't have any experience in the "cash" arena. I primarily focused my learning on 401k while I was working so every shred of info is really helpful to me. The small novel I wrote was mainly to provide context for which the money was to...
by Sasquatch
Thu Jan 10, 2019 2:15 pm
Forum: Personal Investments
Topic: What financial instution do you use for cash?
Replies: 14
Views: 1183

What financial instution do you use for cash?

Hello to all, I've been using the Bogleheads search feature and doing a lot of reading the past few days. We recently sold our last rental property. With the proceeds we paid off all our debt including our home and paid our 4th quarter estimated capital gains and depreciation recapture tax on the pr...
by Sasquatch
Sun Jan 06, 2019 1:04 am
Forum: Personal Consumer Issues
Topic: washer dryer rec
Replies: 22
Views: 1644

Re: washer dryer rec

DTalos wrote:
Sat Jan 05, 2019 10:12 pm
I recommend a Speed Queen top loading washer and dryer. Mine are still running great after 23 years.
+1. Ours are about 4yrs old now not one issue. Plain old mechanical controls. My big box Maytag units lasted a whole year before the main circuit board went out.
by Sasquatch
Sat Jan 05, 2019 6:44 pm
Forum: Personal Consumer Issues
Topic: Strategies to combat or justify lifestyle creep
Replies: 91
Views: 7511

Re: Strategies to combat or justify lifestyle creep

Why do we work our brains out? To make sure that our basic needs are met, save for the future, have a little fun along the way. If the first two are in the net have a little fun. If you can transfer $50k cash without reservation (ie. no financing) I would feel pretty good about the purchase.
by Sasquatch
Fri Jan 04, 2019 3:47 pm
Forum: Personal Consumer Issues
Topic: Your ideal home size
Replies: 130
Views: 9097

Re: Your ideal home size

Family of 2 (empty nesters) 3br / 2ba / 2garage 1500sf basic ranch. Just right

For us it was location and lot size. We remodeled the home to make it our own. As a original condition 1979 build a remodel was due.
by Sasquatch
Fri Jan 04, 2019 1:48 am
Forum: Personal Consumer Issues
Topic: Sound bar as only music speaker?
Replies: 38
Views: 2742

Re: Sound bar as only music speaker?

For those of you who are using Sonos sound bars, how do you find needing to use a phone app to adjust volume? Can you get around this with use of a universal remote like Harmony, or a learning remote such as what Xfinity uses? Both our Roku streaming stick remote and the Samsung remote that came wi...
by Sasquatch
Mon Dec 31, 2018 12:52 am
Forum: Personal Consumer Issues
Topic: Sound bar as only music speaker?
Replies: 38
Views: 2742

Re: Sound bar as only music speaker?

We have a SONOS playbase and have really enjoyed it. Easy to use and stream music or use in sound bar mode. We had circa 80s class B seperates system. It sounded great but when my hearing went kaput sonic fidelity kinda went out the window anyway. The sonos is great cause it’s easy and so accessible...
by Sasquatch
Thu Dec 20, 2018 4:25 pm
Forum: Personal Consumer Issues
Topic: Lap top recommendation
Replies: 42
Views: 2309

Re: Lap top recommendation

The brown truck dropped off a new N705U ASUS laptop for my wife yesterday. We have been Lenovo fans but this ASUS Is the cats meow. They do have more moderately priced units that have pretty darn good specs. A larger screen than you are probably looking for but just an example. https://www.amazon.c...
by Sasquatch
Thu Dec 20, 2018 2:46 pm
Forum: Personal Consumer Issues
Topic: Lap top recommendation
Replies: 42
Views: 2309

Re: Lap top recommendation

I would insist that a new laptop should have the option to use Ethernet to access the internet. Not knowing better I bought a $250 Dell laptop which only has Wifi and wanted to use it for access to financial sites, but then read that some criminals can learn Wifi passwords. Adding Ethernet to a lap...
by Sasquatch
Thu Dec 20, 2018 2:42 pm
Forum: Personal Consumer Issues
Topic: Best Albums of 2018
Replies: 36
Views: 2901

Re: Best Albums of 2018

Great posts, I am always on the lookout for new music. Seeing others viewpoints is pretty useful to check out new stuff. My listening is a bit repetitive lately so these will be good to have a listen to.
by Sasquatch
Thu Dec 20, 2018 2:00 pm
Forum: Personal Consumer Issues
Topic: Lap top recommendation
Replies: 42
Views: 2309

Re: Lap top recommendation

The brown truck dropped off a new N705U ASUS laptop for my wife yesterday. We have been Lenovo fans but this ASUS Is the cats meow. They do have more moderately priced units that have pretty darn good specs. A larger screen than you are probably looking for but just an example. https://www.amazon.co...
by Sasquatch
Sun Dec 16, 2018 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Should I sell my last rental property in major west coast city?
Replies: 11
Views: 1340

Re: Should I sell my last rental property in major west coast city?

I am under contract on my last rental. Our city council has already put one minor ordinance in place that does not benefit landlords. It would not surprise me if more were on the way. Finally, unlike yours, the ROI is not very good on mine which sealed the deal for me. The proceeds will pay off the ...
by Sasquatch
Fri Dec 14, 2018 11:06 pm
Forum: Personal Investments
Topic: Retiring next year, would appreciate some advice
Replies: 30
Views: 3414

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: 31
Views: 1429

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: 72
Views: 6529

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: 31
Views: 1429

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: 31
Views: 1429

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: 31
Views: 1429

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: 1020

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: 34
Views: 3623

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: 4407

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: 4071

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...