Search found 35 matches

by FireFool
Wed Sep 16, 2020 11:32 am
Forum: Investing - Theory, News & General
Topic: Moving my wife's investments to Schwab?
Replies: 64
Views: 4359

Re: Moving my wife's investments to Schwab?

Have you considered staying with Vanguard but adding using their "Agent Authorization Form" to add a (really) trusted child onto both your accounts? Per their website - "Use this process to add or maintain various levels of access or establish Power of Attorney on your account(s)". At age 80+ alread...
by FireFool
Sun Sep 13, 2020 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Which Other Insurance Companies To Get Quotes From?
Replies: 13
Views: 1170

Re: Which Other Insurance Companies To Get Quotes From?

Insurance is a highly competitive marketplace with 100's of companies in any given state offering coverage. At a national level the largest carriers are: State Farm, GEICO, Progressive, Allstate and Farmers. For some carriers the rate that you can self-quote on the internet may be different than tha...
by FireFool
Sun Sep 13, 2020 9:34 am
Forum: Personal Finance (Not Investing)
Topic: What is the best company for auto/property/renters/umbrella insurance?
Replies: 36
Views: 3162

Re: What is the best company for auto/property/renters/umbrella insurance?

In general I agree with the importance of price in making your insurance decision, but I'd add that claims servicing reputation also matters (talk with your friends in regards to any claims experiences they may have had and sort out the bad experiences that can be attributed to them buying/under-buy...
by FireFool
Tue Sep 08, 2020 10:06 am
Forum: Personal Consumer Issues
Topic: What do you guys think of oil extractors?
Replies: 67
Views: 3099

Re: What do you guys think of oil extractors?

... My father-in-law's Nissan has a side-mounted canister that can be reached through the passenger-side wheel well if you turn the wheels all the way to the left. I'ts been more than a decade since I've had to use a jack to change the oil on any of our cars. :) Guessing your FIL has a Frontier tru...
by FireFool
Thu Sep 03, 2020 7:33 pm
Forum: Personal Investments
Topic: Family member has one million in one stock , doesn't want to cash out
Replies: 261
Views: 28354

Re: My dad has 1 million in Tesla, I told him to cash out, he doesn't want too

People here need to stop saying index is the only way to make money. The truth is indexing is one of the ways to make money. It's been said that indexing is a way of PROTECTING wealth, while individual investments create wealth. But I agree different people will have different investment approaches...
by FireFool
Thu Sep 03, 2020 7:24 pm
Forum: Personal Investments
Topic: Family member has one million in one stock , doesn't want to cash out
Replies: 261
Views: 28354

Re: My dad has 1 million in Tesla, I told him to cash out, he doesn't want too

I'll admit towards the latter posts I started skimming, but I never saw any discussion in regards to "Dad's" expenses/withdrawal needs. For all we know his expenses could be running lower than his expected SS benefits/defined benefit pension. If that were the case with as large of a portfolio as he ...
by FireFool
Sun Aug 09, 2020 10:19 am
Forum: Personal Consumer Issues
Topic: Car Insurance Tracking Apps
Replies: 10
Views: 1107

Re: Car Insurance Tracking Apps

The only discount you lose is the low-mileage discount. Usage-Based Insurance is advertised as a way for good drivers to save money. In reality, mileage is the most important factor in UBI programs. Actually hard braking is the most important factor for UBI programs. Probably correlated with traffi...
by FireFool
Sun Aug 09, 2020 9:57 am
Forum: Personal Consumer Issues
Topic: Groundhog in crawl space
Replies: 34
Views: 2449

Re: Groundhog in crawl space

I've had success with fresh apple slices to trap - then I give them a lead supplement. There tunnels can do major foundation damage.
by FireFool
Thu Jul 16, 2020 8:38 pm
Forum: Personal Consumer Issues
Topic: What surprised you the most once you retired?
Replies: 267
Views: 31339

Re: What surprised you the most once you retired?

How time is still in short supply - busier than ever and have no idea how I had time to work before. Less of a surprise is the lack of stress - I control what and when I do things, before I had to worry about keeping a whole department of people moving - now it's only me and there's usually always t...
by FireFool
Tue Jun 30, 2020 1:10 pm
Forum: Personal Consumer Issues
Topic: New laptop/desktop for [Work From Home]?
Replies: 58
Views: 4347

Re: New laptop/desktop for [Work From Home]?

I think after a ton of paralysis in the analysis ... I’ve found one I really like (love lightweight): Acer Swift 3 Thin & Light Laptop, 14" Full HD IPS, AMD Ryzen 7 4700U Octa-Core Processor with Radeon Graphics, 8GB LPDDR4, 512GB NVMe SSD, WiFi 6, Backlit Keyboard, Fingerprint Reader, SF314-42-R9Y...
by FireFool
Sat Jun 27, 2020 7:44 pm
Forum: Personal Consumer Issues
Topic: [Insurance] storing a car for 0~2 years
Replies: 16
Views: 888

Re: [Insurance] storing a car for 0~2 years

If she truly doesn't drive at all, the need for insurance is only dependent on if she still has a loan or lease out on the car. If she has a LEASE she's stuck having "full" coverage (Liability and Physical Damage). If she doesn't drive AND has a LOAN she can get what's referred to as a physical dama...
by FireFool
Fri Jun 12, 2020 10:54 am
Forum: Personal Consumer Issues
Topic: Deck railings
Replies: 26
Views: 2185

Re: Deck railings

These railing were made on site, so you won't find pre-manufactured ones. This style of railing is often made out of 2x treated lumber, it appears yours may be made out of 1x decking for the top and horizontal side rails and 2x2's for the vertical spindles. If you're attempting to replicate this rai...
by FireFool
Fri Apr 17, 2020 3:55 pm
Forum: Personal Consumer Issues
Topic: Please share some lifestyle creep you regret.
Replies: 226
Views: 27845

Re: Please share some lifestyle creep you regret.

I'm surprised I didn't see it, but living room furniture - or for that matter a house with a living room in addition to a family room. We bought very high end living room furniture and have literally sat in it 2-4 times over a 30 year period. As we're planning out our future our furniture, all of it...
by FireFool
Fri Apr 10, 2020 2:23 pm
Forum: Personal Consumer Issues
Topic: Shopping for a new printer for wfh. Laser or ink? And what brand?
Replies: 22
Views: 1221

Re: Shopping for a new printer for wfh. Laser or ink? And what brand?

After going through a series of color ink jet printers I finally bought a Brother HL-L2340DW many a year ago. I have been 100% satisfied with it and am no longer frustrated over dried up, expensive, ink cartridges - laser toner doesn't go bad. Despite past thoughts over my need for a color printer I...
by FireFool
Sun Apr 05, 2020 3:46 am
Forum: Personal Finance (Not Investing)
Topic: Canceling Auto Insurance for Few Months? Any down sides?
Replies: 56
Views: 4415

Re: Canceling Auto Insurance for Few Months? Any down sides?

A good deal of the reason for the responses you're getting being all over the place is that auto insurance is regulated at a state level. The registration/mandatory insurance regulations will vary depending on what state you live in. Not knowing the state you live in I can't share the nuances I migh...
by FireFool
Mon Mar 30, 2020 8:15 pm
Forum: Personal Consumer Issues
Topic: New Gutters Now or Later?
Replies: 12
Views: 1024

Re: New Gutters Now or Later?

If you plan to replace the soffit and fascia when you reside wait until the residing to replace your gutters. You don't say what kind of siding you presently have or plan to put on. If it's going to be vinyl or aluminum I would wait until then (presuming your gutters are currently functioning ok). I...
by FireFool
Sat Mar 07, 2020 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: Is buying a rental property even worth it?
Replies: 58
Views: 4432

Re: Is buying a rental property even worth it?

I didn't see anyone else point out this aspect of investing in RE - it's a bit more complex for your executor/heirs to liquidate when you die. I very much appreciate that we were able to sell my parents rental while my Mom was still alive. It was a PITA because the area declined over the years and t...
by FireFool
Fri Jan 24, 2020 6:26 pm
Forum: Personal Consumer Issues
Topic: Amount of cash wedding gift?
Replies: 57
Views: 4884

Re: Amount of cash wedding gift?

I think conventions and opinions on appropriate dollar amounts for wedding gifts are really relative to your and their family's wealth. If your net worth is in the 10's or 100's of millions then a $100 gift is completely out of line as being the ultimate cheapskate, but if you/they are lower blue co...
by FireFool
Mon Dec 30, 2019 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: How do you spend $$ on yourself?
Replies: 108
Views: 12455

Re: How do you spend $$ on yourself?

I'm FatFire'd so I no longer am in the mode of deciding between saving vs. spending, but the one thing I've learned to spend money on for myself is things that buy me time. I only really started doing that post retirement, and it's something that I regret that I didn't do while working, when time wa...
by FireFool
Tue Dec 10, 2019 4:56 pm
Forum: Personal Consumer Issues
Topic: Auto oil change
Replies: 54
Views: 4159

Re: Auto oil change

Also your Fit does NOT require synthetic oil, although using it is permissible
by FireFool
Tue Dec 10, 2019 4:48 pm
Forum: Personal Consumer Issues
Topic: Auto oil change
Replies: 54
Views: 4159

Re: Auto oil change

I do what the dashboard indicator, or the manual says. Why over-think these things? Mixed message. Dashboard says he's got about another 1500 miles to go, which could be another 18 months. Manual says he should have changed it 6 months ago and will need to change it again in 6 months or 12 months, ...
by FireFool
Tue Jan 29, 2019 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance and teenagers
Replies: 29
Views: 1721

Re: Auto Insurance and teenagers

When I was recently shopping for insurance for my newly licensed teen in NC an agent told me that her kid did not want to drive but she had him get his license and then turn it back in after a very short period of time. Supposedly this starts the clock ticking for the high insurance as it is determ...
by FireFool
Tue Jan 29, 2019 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance and teenagers
Replies: 29
Views: 1721

Re: Auto Insurance and teenagers

Sharing some industry knowledge from when I worked - first addressing your comment in regards to lowering coverage levels and getting an umbrella policy - first off umbrella policies usually require minimum $250k liability limits on the underlying auto policy and usually an umbrella policy’s lowest ...
by FireFool
Tue Dec 04, 2018 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: My Social Security Online question
Replies: 15
Views: 1888

Re: My Social Security Online question

At this moment it's terrible! I got an email saying there was a message for me, but have tried to log in several times and the confirming text is never received. One did show up 15 minutes later. Are they already down for the federal holiday tomorrow?? Wow, was your post ever timely for me. Yes, sa...
by FireFool
Tue Dec 04, 2018 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Proper way to retire
Replies: 57
Views: 6966

Re: Proper way to retire

[quote=MikeG62 post_id=4242196 time=1543936706 user_id=114308 Agree. Also what about you co-workers and friends who are going to need to pick up your responsibilities? They really need zero transition to pick up what you do without a lot of hardship in them? When I announced my intention to retire (...
by FireFool
Tue Dec 04, 2018 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Proper way to retire
Replies: 57
Views: 6966

Re: Proper way to retire

Be prepared that the moment you give notice of a planned retirement date that the company can treat that as notice of resignation and they can tell you to leave that day. For many HR organizations it's their obligation to protect the company's interest by minimizing it's payroll/benefit obligations ...
by FireFool
Fri Oct 19, 2018 5:40 pm
Forum: Personal Consumer Issues
Topic: Selling to CarMax if maintenance light is on?
Replies: 33
Views: 4736

Re: Selling to CarMax if maintenance lights on?

Honda/Acura has Maintenance Reminders codes that display from there Maintenance Interval Device. At least for my Acura RDX a MID of B1 means an oil & filter change, a tire rotation and a general inspection. A MID of B2 adds the replacement of the air and cabin filters. The $350 you are quoting for p...
by FireFool
Mon Oct 01, 2018 12:58 am
Forum: Personal Consumer Issues
Topic: Car accident, diminished value claim?
Replies: 18
Views: 3420

Re: Car accident, diminished value claim?

Within the past year I filed a DV claim with Geico. My takeaway was that they seem to purposefully make it a convoluted process to discourage paing out these claims. After being told by Geico's physical damage claims adjuster that I needed to discuss/file my claim with a whole separate Geico departm...
by FireFool
Tue Sep 25, 2018 10:43 am
Forum: Personal Consumer Issues
Topic: Losing Passion for Hobbies. Cheap or normal aging?
Replies: 71
Views: 9630

Re: Losing Passion for Hobbies. Cheap or normal aging?

I'm first going to reiterate another reply before I give my two cents - "At 33, I would not be concerned about aging being the cause. I would be concerned about depression or an unhealthy obsession with finances. If you can safely rule out those two issues, I would not be concerned about it and woul...
by FireFool
Tue Sep 25, 2018 10:10 am
Forum: Personal Consumer Issues
Topic: Oil change interval for low-mileage vehicles
Replies: 89
Views: 12050

Re: Oil change interval for low-mileage vehicles

There are a lot of variables that go into what a proper oil change interval (OCI) should be. How you drive is an important one. If your 4,000 miles are 4,000 1 mile local trips vs. 8 500 mile highway trips then the oil contamination from water vapor/sludge build up will be different (short trips are...
by FireFool
Thu Sep 20, 2018 4:17 pm
Forum: Personal Consumer Issues
Topic: Did you really have something to retire to?
Replies: 132
Views: 12997

Re: Did you really have something to retire to?

My plan was to not have a plan i.e. no commitments short of vacation plans (three domestic and one overseas this year, last year two domestic and two overseas). For the most part each day I do what I feel like doing. Sometimes it's helping my kids with house projects, sometimes it's helping my in-la...
by FireFool
Wed Aug 22, 2018 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Suggestions for a Generous Grandparent?
Replies: 53
Views: 4614

Re: Suggestions for a Generous Grandparent?

Just a heads up. I was the trustee for a small family educational trust. All the kids have been out of college for more than at least 10 years now and I still haven't heard the end of the griping of how the trust favored one family over another. YMMV. In this case, one family has three children, th...
by FireFool
Tue Jul 24, 2018 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Job vs term life insurance
Replies: 35
Views: 3408

Re: Job vs term life insurance

I'll share another perspective in regards to life insurance through work. An employee of mine's husband was diagnosed with cancer - he ultimately died. They were both in their early 50's and had led a very financially responsible life and were on track to retire early in a few years. The treatments ...
by FireFool
Sat Jun 23, 2018 2:45 pm
Forum: Personal Consumer Issues
Topic: car for long-distance driving
Replies: 80
Views: 6405

Re: car for long-distance driving

As others have mentioned trying a rental car might be your best bet at first. If you have a Costco membership they have very good rates with car rentals, especially if you’re willing to wait for last minute deals. Most credit cards also offer rental car insurance coverage making the total cost of t...
by FireFool
Sat Jun 23, 2018 2:29 pm
Forum: Personal Consumer Issues
Topic: Am I wasting money on my old car?
Replies: 34
Views: 3864

Re: Am I wasting money on my old car?

While Corolla's have a reputation for easily going 250k miles the issue you are/will be facing is age. I owned a vehicle from new for 18 years and like yours it didn't have all that many miles (128k) . While the engine/drivetrain may have a lot of life left you will see more and more issues just due...