Search found 476 matches

by Smoke
Fri Dec 13, 2019 6:22 pm
Forum: Investing - Theory, News & General
Topic: Too poor to invest - living in the 12% bracket
Replies: 114
Views: 12086

Re: Too poor to invest - living in the 12% bracket

Chiming in as a retiree that has lots of money, but now lives in a low tax bracket isn't really what the OP is looking for. Let's keep it to folks still making a living and earning less than $40k/year one one salary with 2 kids and a no working spouse, rather than what tax bracket someone might be ...
by Smoke
Fri Dec 13, 2019 5:48 pm
Forum: Investing - Theory, News & General
Topic: Too poor to invest - living in the 12% bracket
Replies: 114
Views: 12086

Re: Too poor to invest - living in the 12% bracket

10% tax bracket here, although I am retired for 15 yrs now.
by Smoke
Fri Dec 13, 2019 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Your New Benefit Amount from Social Security
Replies: 17
Views: 1737

Re: Your New Benefit Amount from Social Security

Smoke - There are two social security documents that start appearing in the mail this time of year; the annual Statement of Benefits for the upcoming new year (2020) and the SSA-1099 tax reporting document for 2019 which may be used for 2019 federal tax reporting. I think the original poster was re...
by Smoke
Fri Dec 13, 2019 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Your New Benefit Amount from Social Security
Replies: 17
Views: 1737

Re: Your New Benefit Amount from Social Security

Okay Smoke - What week is your check issued each month and how does the receipt of your statement compare? My direct deposit is the 3rd week of the month, statement matches payment. Statement shows medicare reduction amount as well which also matches. EDIT... I may have misunderstood the original q...
by Smoke
Fri Dec 13, 2019 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Your New Benefit Amount from Social Security
Replies: 17
Views: 1737

Re: Your New Benefit Amount from Social Security

Just got mine 2 days ago.
by Smoke
Fri Dec 13, 2019 12:11 pm
Forum: Personal Consumer Issues
Topic: DIY Home Security like Ring and SimpliSafe vs paid services like ADT and Rampart. What do you advise for and/or against?
Replies: 34
Views: 3973

Re: DIY Home Security like Ring and SimpliSafe vs paid services like ADT and Rampart. What do you advise for and/or agai

Do systems like simplisafe use wifi? That would be easy to disable from outside at my place. I can't speak for simply safe, but Ring works off of wifi, or an Ethernet wired connection to router, mine is thru Ethernet. Also if you have the $10 per month or $100 per yr monitoring they send you a chip...
by Smoke
Fri Dec 13, 2019 11:34 am
Forum: Personal Consumer Issues
Topic: DIY Home Security like Ring and SimpliSafe vs paid services like ADT and Rampart. What do you advise for and/or against?
Replies: 34
Views: 3973

Re: DIY Home Security like Ring and SimpliSafe vs paid services like ADT and Rampart. What do you advise for and/or agai

Just purchased the "Ring" alarm system to replace my old (15yrs) DSC self installed hardwire system I put in. Old system $22 per month thru Brinks, lower cost as I was grandfathered in by a company Brinks bought out. Ring monitoring $10 per month or $100 per yr. So new system will pay for itself in ...
by Smoke
Sun Dec 08, 2019 8:04 pm
Forum: Personal Consumer Issues
Topic: Mounting a tv over the fireplace
Replies: 54
Views: 3585

Re: Mounting a tv over the fireplace

Are you sure you want a fireplace? Most people I know who have them never use them, either the log burning, or the sealed gas fireplaces. They do make HD fireplace videos for the visual part. +1 For 26 yrs we have had a 8' wide fire place floor to ceiling 10' high, started out burning some wood, be...
by Smoke
Sun Dec 08, 2019 7:56 pm
Forum: Personal Investments
Topic: 2020 Plan for $45,000,000 in 2045
Replies: 81
Views: 14712

Re: 2020 Plan for $45,000,000 in 2045

Having a Goal is nice, but stuff happens. I never bothered with setting a financial goal, can't be disappointed or frustrated for the duration that way. Sounds like 25 yrs of angst to me. Just do the best you can from day to day, besides robbing a bank, you can't do better than that. Then adjust to ...
by Smoke
Fri Nov 29, 2019 7:31 pm
Forum: Personal Consumer Issues
Topic: Found hidden safe, should we crack?
Replies: 303
Views: 88924

Re: Found hidden safe, should we crack?

suemarkp wrote:
Mon Nov 25, 2019 12:12 am


I like the idea of drilling and looking, but the front plates are usually very hard steel. May take a couple of carbide drills to get through it.
I totally agree, patience with a few drill bits and then scope it.
by Smoke
Sat Nov 16, 2019 3:31 pm
Forum: Personal Consumer Issues
Topic: Digitizing Old Family Photos
Replies: 32
Views: 2670

Re: Digitizing Old Family Photos

And if they have profiles on findagrave.com (which you could create, if not), you could upload the photos there. I'd be wary of DVD, by the way. That's basically a dead format now. Or WikiTree, or FamilySearch, or Geni, or several other one-tree websites. I could cry when I think of the family phot...
by Smoke
Fri Nov 15, 2019 4:47 pm
Forum: Personal Consumer Issues
Topic: Digitizing Old Family Photos
Replies: 32
Views: 2670

Re: Digitizing Old Family Photos

Tallboy, does your scanner scan negatives too? I have many negatives from my parents house and I don't know what is on them. I didn't think about negatives until seeing the responses in this thread. How did you deal with negatives? Did you scan and digitize the negative for retention, and, create a...
by Smoke
Fri Nov 15, 2019 8:41 am
Forum: Personal Consumer Issues
Topic: (Sigh) "Wasting" year-old smoke detector batteries...
Replies: 93
Views: 5597

Re: (Sigh) "Wasting" year-old smoke detector batteries...

Casper wrote:
Tue Nov 12, 2019 9:41 am
I change the battery when the low battery sound beeps. I thought that's what it was for. Changing them yearly is wasteful and unnecessary.
+1
by Smoke
Fri Nov 15, 2019 8:38 am
Forum: Personal Consumer Issues
Topic: Digitizing Old Family Photos
Replies: 32
Views: 2670

Re: Digitizing Old Family Photos

Very old photos from the family were usually stored in the original envelops from the developer put into a shoe box in a closet. I found many old pictures were missing, probably given away to someone through the years. Some still there were worn and damaged. What I discovered was that the original n...
by Smoke
Mon Nov 04, 2019 8:01 am
Forum: Personal Finance (Not Investing)
Topic: Pension Question
Replies: 19
Views: 1959

Re: Pension Question

Looks like you should take the deal to me as well.

Smart money decision.
Retire at 50 :beer it's when I retired 15yrs ago.
Stop being a cop (if thats possible lol) My father was one so I know.
by Smoke
Sun Nov 03, 2019 7:30 am
Forum: Personal Finance (Not Investing)
Topic: Freezing Credit? Questions 2019
Replies: 19
Views: 1916

Re: Freezing Credit? Questions 2019

I froze my wife's and my credit 15 yrs ago, never had the need to unfreeze it once.
Still got the pins locked away just in case though.
by Smoke
Wed Oct 30, 2019 12:07 pm
Forum: Personal Consumer Issues
Topic: Low water pressure/flow in house
Replies: 65
Views: 5130

Re: Low water pressure/flow in house

Interested in what the flow rates are (GPM) in various locations: Near entry into house Various faucets tested alone 2 showers at a time 3 showers at a time Also pressure readings for 1 and for 2 faucets being open. Do pressure valves at entry to house govern flow rate in addition to restricting pr...
by Smoke
Wed Oct 30, 2019 11:50 am
Forum: Personal Consumer Issues
Topic: Low water pressure/flow in house
Replies: 65
Views: 5130

Re: Low water pressure/flow in house

Just as an observation, I had my "main" from the street replaced about 4 yrs ago with 3/4, I have 100 to 110 lbs pressure at the street so I have a pressure reducer bringing it down to 58 lbs. I just now connected a pressure gauge to a 1/2" bib and it reads 58 lbs with no water running, I turned on...
by Smoke
Wed Oct 30, 2019 10:32 am
Forum: Personal Consumer Issues
Topic: Low water pressure/flow in house
Replies: 65
Views: 5130

Re: Low water pressure/flow in house

Just as an observation, I had my "main" from the street replaced about 4 yrs ago with 3/4, I have 100 to 110 lbs pressure at the street so I have a pressure reducer bringing it down to 58 lbs. I just now connected a pressure gauge to a 1/2" bib and it reads 58 lbs with no water running, I turned on ...
by Smoke
Wed Oct 30, 2019 8:06 am
Forum: Personal Consumer Issues
Topic: Low water pressure/flow in house
Replies: 65
Views: 5130

Re: Low water pressure/flow in house

Thanks everyone. To confirm, we have tested the pressure right at the water meter. It drops from 60psi to 20psi when all the showers are on. However it immediately goes back to 60psi when the showers are shut off. So does this sounds like a problem with the city water pressure rather than the servi...
by Smoke
Tue Oct 29, 2019 1:46 pm
Forum: Personal Consumer Issues
Topic: Low water pressure/flow in house
Replies: 65
Views: 5130

Re: Low water pressure/flow in house

RickBoglehead wrote:
Tue Oct 29, 2019 1:29 pm
Running three showers at the same time is not going to work almost anywhere.
+1
by Smoke
Tue Oct 29, 2019 1:35 pm
Forum: Personal Consumer Issues
Topic: Low water pressure/flow in house
Replies: 65
Views: 5130

Re: Low water pressure/flow in house

Are you sure that all upstairs showers aren't being supplied by one 1/2" pipe or something? I've got extremely high water pressure (maybe too high and I need to look into it) but as soon as you try to do two things at once in my house the water flow rate drops because my whole house is pretty much ...
by Smoke
Mon Oct 28, 2019 5:21 pm
Forum: Personal Consumer Issues
Topic: New Computer with or without SSD?
Replies: 79
Views: 5881

Re: New Computer with or without SSD?

froman118 wrote:
Mon Oct 28, 2019 4:15 pm
Get the SSD. If you need more than 1 TB of storage then just add on a spinning drive for that bulk data.
+1
by Smoke
Sun Oct 27, 2019 7:44 pm
Forum: Personal Investments
Topic: Do You Pay For Financial Advice?
Replies: 76
Views: 5240

Re: Do You Pay For Financial Advice?

No, I do it all myself, with free suggestions and info on this site :P
by Smoke
Sun Oct 27, 2019 4:47 pm
Forum: Personal Investments
Topic: I’m done with index funds
Replies: 229
Views: 30452

Re: I’m done with index funds

Best of luck :sharebeer

I am glad I don't have that kind of wealth to cause me this kind of time consumption/frustration/worry.
Seems the more you have the more one worries.
Makes me feel better being one of the little people.
by Smoke
Sun Oct 27, 2019 4:33 pm
Forum: Personal Consumer Issues
Topic: HVAC check ups?
Replies: 46
Views: 3364

Re: HVAC check ups?

" It only takes a few seconds on Ebay or various online supply houses to see what refrigerant, even R22 for now, is going for. R22 is around $10-20/lb and 410a is maybe $5/lb. " That's just peachy if you know how to properly evacuate the system and add the correct amount of refrigerant. I don't kno...
by Smoke
Sun Oct 27, 2019 10:21 am
Forum: Personal Consumer Issues
Topic: HVAC check ups?
Replies: 46
Views: 3364

Re: HVAC check ups?

"I have spent almost $600 in 8 yrs for what I perceive is nothing." That's the way I feel about what I've spent on car insurance every year since 1965. But I keep paying it. Except if you had an accident or injury the insurance would have covered the cost. Having a tech check your system is not ins...
by Smoke
Sun Oct 27, 2019 9:35 am
Forum: Personal Consumer Issues
Topic: HVAC check ups?
Replies: 46
Views: 3364

Re: HVAC check ups?

My experience ... others may vary. Heat pump units original 21 yrs old (package unit) Amana Replaced by, split unit Rheem, replaced after 11 yrs, only because I installed geothermal 30% tax write off. First two units, a/c tech local in business for himself told me he could charge me to come every ye...
by Smoke
Sun Oct 27, 2019 8:03 am
Forum: Personal Consumer Issues
Topic: idiot networking [Need more ethernet ports, replace cable modem?]
Replies: 38
Views: 3659

Re: idiot networking

Since the OP doesn't know basic networking knowledge, I would recommend she consider buying a current modem from Cox, with their support, and then a simple router with multiple Ethernet ports. Given the Fail the last time this was tried, and Cox's new policy of not being able to return to the worki...
by Smoke
Sat Oct 26, 2019 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Who does your tax returns?
Replies: 103
Views: 6192

Re: Who does your tax returns?

Do them myself, via free program thru the IRS
by Smoke
Sat Oct 26, 2019 9:08 am
Forum: Personal Consumer Issues
Topic: idiot networking [Need more ethernet ports, replace cable modem?]
Replies: 38
Views: 3659

Re: idiot networking

I am not an IT person. So my answer is based on practical experience setting these things up for a half a dozen relatives. I think there is a misunderstanding by OP who stated limited knowledge. Any standalone cable modem I have ever worked with always only has one Ethernet connection. A router is ...
by Smoke
Sat Oct 26, 2019 8:24 am
Forum: Personal Consumer Issues
Topic: HVAC check ups?
Replies: 46
Views: 3364

Re: HVAC check ups?

Depends on your system, some are more complex than others. IF... you have a good tech doing the service then it's worthwhile especially if you know nothing about doing any checks maintenance yourself. Problem arises that most (in my experience) just show up tinker a bit and charge you with actually ...
by Smoke
Fri Oct 25, 2019 4:32 pm
Forum: Personal Consumer Issues
Topic: New brakes
Replies: 9
Views: 1228

Re: New brakes

I just had new brakes (pads and rotors) installed (front and rear). In the past, whenever I've gotten new brakes, I believe they have immediately felt very stiff (i.e. a little pressure really stops the car). Today, however, when picking up the car, I made it about 1/4 mile from the dealer and actu...
by Smoke
Mon Oct 21, 2019 5:09 pm
Forum: Personal Consumer Issues
Topic: Old bourbon whisky
Replies: 26
Views: 4668

Re: Old bourbon whisky

DesertDiva wrote:
Mon Oct 21, 2019 1:17 pm
If I had excess bourbon, I'd make BBQ sauce out of it. :)
It's all about the sauce :sharebeer
by Smoke
Mon Oct 21, 2019 5:02 pm
Forum: Personal Investments
Topic: High income earner waiting for a bear market to start investing
Replies: 119
Views: 13131

Re: High income earner waiting for a bear market to start investing

My questions is this: What's the point of entering the market and investing now when I haven't even invested anything yet and the market seems to be in a bubble? Low income earner here... "Age: 40 but I plan to retire around age 75 or 80" Don't let your short term thinking influence your long term ...
by Smoke
Fri Oct 18, 2019 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Piers Needed for Home Foundation Support
Replies: 5
Views: 732

Re: Piers Needed for Home Foundation Support

As far as piers go, a lot depends on your soil/rock beneath your footings. If you have a solid layer of rock slab then push piers should work fine. They use the weight of your section of house to "push" the pier deeper and deeper till it hits the rock slab . Depending where you are in the country it...
by Smoke
Thu Oct 17, 2019 11:08 am
Forum: Personal Consumer Issues
Topic: Moving my home landline phone number to MagicJack - good idea?
Replies: 52
Views: 4685

Re: Moving my home landline phone number to MagicJack - good idea?

I have had 3 different over the internet phone systems throughout the years listed below. Magic jack.... terrible Nettalk .... good until the latest version came out about a yr ago, then terrible. Google Voice via Obihai device ... current system 1.5 yrs, flawless, and free after purchase of Obihai ...
by Smoke
Thu Oct 17, 2019 7:25 am
Forum: Personal Consumer Issues
Topic: Toyota Extended Warranty
Replies: 13
Views: 1307

Re: Toyota Extended Warranty

I purchased an 8 year/120K extended warranty for my 2014 Toyota Highlander. It's the Platinum level one from Toyota. It was $1,495 and I aggressively shopped different dealers to get that price. I'm not usually an extended warranty person but wanted to mitigate the risk of the first model year of a...
by Smoke
Mon Oct 14, 2019 10:00 am
Forum: Personal Consumer Issues
Topic: I can't find the Amazon help page, that lets me call them.
Replies: 17
Views: 1033

Re: I can't find the Amazon help page, that lets me call them.

Under no circumstances should one EVER use google to lookup the Amazon phone number. It's almost guaranteed that the results will include multiple scam numbers that will handle your Amazon "support issue" by getting the unsuspecting to download remote control software onto their machine, buy gift c...
by Smoke
Sun Oct 13, 2019 2:01 pm
Forum: Personal Consumer Issues
Topic: Old bourbon whisky
Replies: 26
Views: 4668

Re: Old bourbon whisky

A brand name would help :happy
by Smoke
Sun Oct 13, 2019 1:50 pm
Forum: Personal Consumer Issues
Topic: Portable Music for Exercise
Replies: 13
Views: 1320

Re: Portable Music for Exercise

Bluetooth hearing aids with a smart phone... for those of us who have the need :)
by Smoke
Fri Oct 11, 2019 6:12 pm
Forum: Personal Consumer Issues
Topic: Replace water heater just because it's old?
Replies: 73
Views: 6711

Re: Replace water heater just because it's old?

YES , at aprox $400 for an electric 50 gal ( I install myself) I replace them aprox 10 to 11 yrs. $40 per yr to me is good insurance from loss of hot water at the most inopportune time, floods, mess etc etc. And I replace it at my schedule, not when it needs to be replaced which I can guarantee wil...
by Smoke
Fri Oct 11, 2019 8:31 am
Forum: Personal Finance (Not Investing)
Topic: What are your personal experiences with downside of early retirement?
Replies: 95
Views: 18670

Re: What are your personal experiences with downside of early retirement?

Retired at 50. 15 years ago. No downside whatsoever. :sharebeer

I know this Question was based on the corporate downside, I could care less.
by Smoke
Mon Oct 07, 2019 5:29 pm
Forum: Personal Consumer Issues
Topic: New Car vs Fixing old car
Replies: 11
Views: 1160

Re: New Car vs Fixing old car

104k for mileage No rust Otherwise good shape with routine maintenance along with brakes and belts. Radiator went out last week and mechanic thinks it sustained a minor crack in gasket head and eventually ruptured on my drive on the interstate. Value is probably around 5-6k. Based on that info, if ...
by Smoke
Mon Oct 07, 2019 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Psychologically adverse to start drawing down in retirement
Replies: 82
Views: 8883

Re: Psychologically adverse to start drawing down in retirement

Does anyone have this issue? I like to refer to it as, Learning to be frugal is hard, but once learned is even harder to stop. I enjoy being frugal, I see it as a challenge and to do otherwise is wasteful and would make me unhappy. I like being happy, it floats my boat. And no I don't have a boat.
by Smoke
Mon Oct 07, 2019 4:57 pm
Forum: Personal Consumer Issues
Topic: New Car vs Fixing old car
Replies: 11
Views: 1160

Re: New Car vs Fixing old car

I need some advice. I have a 2011 Subaru Outback that just blew it's engine. I was quoted $6800 for new rebuilt motor with labor. It's been paid off for 4 years. My wife has a 2017 Toyota Sienna that we are currently making payments on and will be paid off in 2 years. I have funds to buy a car but ...