Search found 235 matches

by Sasquatch
Tue Oct 09, 2018 9:59 am
Forum: Personal Consumer Issues
Topic: Best headphones under 500 bucks
Replies: 48
Views: 3275

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: 5957

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: 2849

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: 1037

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: 7396

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: 1496

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: 1003

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: 1256

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: 1003

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: 1400

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: 1256

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: 1003

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: 11674

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: 2368

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: 1375

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: 2564

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: 11674

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: 11674

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: 4120

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: 4120

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: 3514

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: 808

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: 1387

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: 239

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: 713

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: 713

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: 2319

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: 2319

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: 5171

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: 6690

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: 1195

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: 11761

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: 4398

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: 835

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...
by Sasquatch
Thu Sep 13, 2018 2:14 pm
Forum: Personal Consumer Issues
Topic: I need a chainsaw to trim branches and limbs!!
Replies: 93
Views: 4398

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

I have one of these except it has a poulan sticker on it. https://www.homedepot.com/p/Remington-RM1025SPS-10-in-8-Amp-2-in-1-Electric-Pole-Saw-Chainsaw-Combo-RM1025SPS-Ranger/203556953 They look the same to me. At any rate, I use this for little stuff around the house. Easy to use. Don’t forget to b...
by Sasquatch
Thu Sep 13, 2018 12:24 am
Forum: Investing - Help with Personal Investments
Topic: Umbrella Policy: Right amount for $7 mil net worth?
Replies: 76
Views: 11160

Re: Umbrella Policy: Right amount for $7 mil net worth?

My arguement is very rudimentary but why not spend as an example $1000 a year to help protect $7M? At the very least just to have the piece of mind that you will get some measure of protection (even if small) in the event of a incident. Insurance + making good life choices = a good nights sleep
by Sasquatch
Wed Sep 12, 2018 9:48 pm
Forum: Investing - Help with Personal Investments
Topic: Flipping a home Resident Physician flipping a home while in debt? help me weigh my pros and cons
Replies: 21
Views: 1451

Re: Flipping a home Resident Physician flipping a home while in debt? help me weigh my pros and cons

Isn’t residency training super rigorous? How would you find time to run subs much less swing your own hammer. Talk with your CPA about tax treatment for sales of this nature. I have zero experience with flipping but we did light industrial buildings and on short term turnarounds you may be classifie...
by Sasquatch
Tue Sep 11, 2018 4:07 pm
Forum: Personal Consumer Issues
Topic: How often do you guys get alignment done on your cars?
Replies: 60
Views: 4020

Re: How often do you guys get alignment done on your cars?

bubbadog wrote:
Tue Sep 11, 2018 3:45 pm
DaftInvestor wrote:
Tue Sep 11, 2018 3:44 pm
When I buy new tires.
+1
Yup
by Sasquatch
Sat Sep 08, 2018 4:20 pm
Forum: Investing - Help with Personal Investments
Topic: Financial Plan
Replies: 13
Views: 1122

Re: Financial Plan

I did find a CFP that was willing to charge a hourly rate for a complete financial plan. However, the bulk of his business is AUM. At the end of the analysis discussion he did mention in passing that he did AUM but never did push it on us. Just offered. It was a positive experience. I have never use...
by Sasquatch
Sat Sep 08, 2018 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Switching Careers - From IT to Police Officer
Replies: 37
Views: 4229

Re: Switching Careers - From IT to Police Officer

Ever thought about using your skills on LE cyber crime. I’ve got 7 family members in a variety of LE roles. The only one that seems happy is the cyber crime guy. He basically follows the money. One thing I have observed (and they readily admit) is a very jaded view of society. They see an enormous a...
by Sasquatch
Sat Sep 08, 2018 3:54 pm
Forum: Personal Consumer Issues
Topic: Using Lastpass as your password manager
Replies: 34
Views: 3733

Re: Using Lastpass as your password manager

Is it perfect....no. Is it better than the alternatives. Yes, Short of committing multiple high entropy passwords to memory it’s the best option available. Slightly off topic suggestion. Have a email account set up for password resets to “point to”. That’s it’s only purpose. The address and password...
by Sasquatch
Fri Sep 07, 2018 7:48 pm
Forum: Investing - Theory, News & General
Topic: Lessons from the financial crisis (Pisani, CNBC)
Replies: 52
Views: 5095

Re: Lessons from the financial crisis (Pisani, CNBC)

It sure seems like a portion of the population didnt learn from the mistakes of the debacle. Mortgage backed securities are back (note date piece was authored) How much toxic debt is packaged this time.... I honestly have no idea https://www.thebalance.com/what-are-mortgage-backed-securities-mbs-417...
by Sasquatch
Fri Sep 07, 2018 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Rent Increase or Not?
Replies: 25
Views: 2608

Re: Rent Increase or Not?

With regard to rent increases............“Keep it small, keep it all”
by Sasquatch
Wed Sep 05, 2018 7:29 pm
Forum: Investing - Help with Personal Investments
Topic: How To Invest Windfall When At Market Top
Replies: 26
Views: 4273

Re: How To Invest Windfall When At Market Top

I am the OP in the linked thread and I feel like I received some sound advise. https://www.bogleheads.org/forum/viewtopic.php?f=1&t=248737 I decided to go “all in” 40% Vanguard 500 extended index 10% Vanguard total international stock index 35% Vanguard total Bond index 15% Stable value Basically a ...
by Sasquatch
Wed Sep 05, 2018 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Should I keep my financial advisor
Replies: 131
Views: 7791

Re: Should I keep my financial advisor

What services does the advisor provide for 3% ? Is Estate planning and taxplanning somehow in the mix? Might be worth investigating this if you like to have a advisors assistance. 10x less fees and you keep a professional advisor https://investor.vanguard.com/financial-advisor/financial-advice IMHO ...
by Sasquatch
Wed Sep 05, 2018 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: MINT Software Or Other For Budgeting/Tracking
Replies: 20
Views: 1449

Re: MINT Software Or Other For Budgeting/Tracking

Quicken for Mac here. I change my financial institutions passwords every 60 days or so.
by Sasquatch
Mon Sep 03, 2018 8:04 pm
Forum: Investing - Help with Personal Investments
Topic: DIY: Three versus One! Are the Advantages Worth it?
Replies: 47
Views: 3850

Re: DIY: Three versus One! Are the Advantages Worth it?

I run a 4 fund portfolio which is very similar to the 3 fund. I consider myself a novice investor. Despite investing for over 30 years this is a recent change for me. I havent been through a major correction with this portfolio so time will tell. I have a simple spreadsheet that tracks portfolio dr...
by Sasquatch
Mon Sep 03, 2018 7:16 pm
Forum: Investing - Help with Personal Investments
Topic: DIY: Three versus One! Are the Advantages Worth it?
Replies: 47
Views: 3850

Re: DIY: Three versus One! Are the Advantages Worth it?

I run a 4 fund portfolio which is very similar to the 3 fund. I consider myself a novice investor. Despite investing for over 30 years this is a recent change for me. I havent been through a major correction with this portfolio so time will tell. I have a simple spreadsheet that tracks portfolio dri...