Search found 369 matches

by Smoke
Sat Jul 20, 2019 7:39 pm
Forum: Personal Consumer Issues
Topic: finding transformer in attic with insulation (edited for correct name of component)
Replies: 36
Views: 1935

Re: finding transformer in attic with insulation (edited for correct name of component)

OP, the electricians around here usually put them in the coat closet closest to the door. Look around against the wall with the door of the closet, they hide them there for the aesthetic reasons. Thats where mine is, right inside the door of the closet way up near the ceiling and about 1 foot away ...
by Smoke
Sat Jul 20, 2019 9:23 am
Forum: Personal Consumer Issues
Topic: Getting rid of tiny spiders in garage
Replies: 7
Views: 453

Re: Getting rid of tiny spiders in garage

runner3081 wrote:
Sat Jul 20, 2019 9:19 am
Check out a site like this:
https://www.doyourownpestcontrol.com

We use Cy-Kick CS for scorpions among other bugs in the desert. Much better than the garbage they sell in big box hardware stores.
+1
by Smoke
Sat Jul 20, 2019 9:17 am
Forum: Personal Consumer Issues
Topic: Do you buy cellphone outright or pay over 2 years?
Replies: 106
Views: 5099

Re: Do you buy cellphone outright or pay over 2 years?

Purchased outright, $49 Samsung orbit.
It's a phone.
by Smoke
Fri Jul 19, 2019 12:17 pm
Forum: Personal Consumer Issues
Topic: Friend's car caught in flood ?
Replies: 54
Views: 3131

Re: Friend's car caught in flood ?

I think he will try to jumpstart the car this weekend. We shall see! If I were a betting person, I think I would bet on the car running again - not at even odds - but at the odds expressed here that the chances of the car returning to everyday use are very low. What are the "odds" others would set?...
by Smoke
Thu Jul 18, 2019 7:08 am
Forum: Personal Consumer Issues
Topic: Your pick for a lawn edger
Replies: 21
Views: 1206

Re: Your pick for a lawn edger

Generic Roundup :beer
by Smoke
Wed Jul 17, 2019 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Tenant turned off all utilities advice please!!
Replies: 83
Views: 6839

Re: Tenant turned off all utilities advice please!!

I would take pictures and document everything, including all bills and cleaning fees. Keep the deposit and wait for litigation in small claims court by the ex tenant. Have all your ducks in a row, just in case. No. Depending on local laws and the lease terms you probably have to reconcile repair, c...
by Smoke
Tue Jul 16, 2019 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: Do you care about your home appreciating?
Replies: 91
Views: 4722

Re: Do you care about your home appreciating?

wordsmith11 wrote:
Tue Jul 16, 2019 10:54 pm
Smoke wrote:
Tue Jul 16, 2019 5:15 pm
No, I never have thought of my home as an investment.
To me it is of no matter if the value goes up or down.
Can I take it off your hands for 25% of what you paid for it?
I appreciate the offer, however it's not for sale :wink:
by Smoke
Tue Jul 16, 2019 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: No A/C in Office [not a safe work environment]
Replies: 86
Views: 7549

Re: No A/C in Office [not a safe work environment]

If there is no law or regulation against the condition, then the option is to look for employment somewhere else.
by Smoke
Tue Jul 16, 2019 5:20 pm
Forum: Personal Consumer Issues
Topic: Dash Cams [want recommendations]
Replies: 22
Views: 1632

Re: Dash Cams [want recommendations]

Make sure the State you travel in allows blockage of a portion size of the front window.
I know Alabama has a law against blockage of the window.
There are some go arounds for Alabama, on dash install, perhaps mirror attachment, perhaps.
Some states will vary of course, best to check.
by Smoke
Tue Jul 16, 2019 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Do you care about your home appreciating?
Replies: 91
Views: 4722

Re: Do you care about your home appreciating?

No, I never have thought of my home as an investment.
To me it is of no matter if the value goes up or down.
by Smoke
Mon Jul 15, 2019 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Tenant turned off all utilities advice please!!
Replies: 83
Views: 6839

Re: Tenant turned off all utilities advice please!!

After the mess is cleaned up and the rental is restored, take pictures of everything before the new tenant moves in.
And take pictures every time before a new tenant moves in, with dates/timestamp etc.
by Smoke
Mon Jul 15, 2019 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Tenant turned off all utilities advice please!!
Replies: 83
Views: 6839

Re: Tenant turned off all utilities advice please!!

I would take pictures and document everything, including all bills and cleaning fees.
Keep the deposit and wait for litigation in small claims court by the ex tenant.
Have all your ducks in a row, just in case.
by Smoke
Mon Jul 15, 2019 8:55 am
Forum: Personal Finance (Not Investing)
Topic: No A/C in Office [not a safe work environment]
Replies: 86
Views: 7549

Re: No A/C in Office [not a safe work environment]

Go work in a mill where some areas are over 130 degrees and see how much you have to complain about. Some people do 12 hour shifts around that. Better yet, throw on some body armor and do a tour in the middle east. Things could be a lot worse. To make this actionable, take matters into your own han...
by Smoke
Sat Jul 13, 2019 8:54 am
Forum: Personal Investments
Topic: Inheritance money - all in the market or slowly put in?
Replies: 16
Views: 2362

Re: Inheritance money - all in the market or slowly put in?

I would pay off the house, and then invest the current amount of mortgage payments into your retirement investments going forward for the next 15 yrs.
by Smoke
Fri Jul 12, 2019 6:13 pm
Forum: Personal Investments
Topic: Engineer to Potato farmer? What are retirement options?
Replies: 11
Views: 1677

Re: Engineer to Potato farmer? What are retirement options?

Although I can't help with the financial aspect you are asking for, I would strongly suggest evaluating the "Family" dynamic and how you fit in. Farms split up, who takes over as the head if needed. It's harder to quit a family than a job. Wife get along with the family, and willing to grow spuds? J...
by Smoke
Fri Jul 12, 2019 5:05 pm
Forum: Investing - Theory, News & General
Topic: Vanguard [executed unauthorized transaction, then canceled it]
Replies: 9
Views: 566

Re: Vanguard [executed unauthorized transaction, then canceled it]

As a reminder, this is a "family friendly" environment - things you can say in front of your little ones. This thread was temporarily removed so the moderators can clean-up the language. I retitled the thread for clarity. I understand the reason, we just differ on the seriousness of the terminology...
by Smoke
Fri Jul 12, 2019 2:24 pm
Forum: Investing - Theory, News & General
Topic: Vanguard [executed unauthorized transaction, then canceled it]
Replies: 9
Views: 566

Re: Vanguard [executed unauthorized transaction, then canceled it]

I don't know if it is better for the transactions to be retained or to be deleted. The real [mess up --admin LadyGeek] would be that the transaction be reversed by selling the position and the investor not keeping up with the 1099B and then after that not finding any record of what happened. I had ...
by Smoke
Fri Jul 12, 2019 2:20 pm
Forum: Investing - Theory, News & General
Topic: Vanguard [executed unauthorized transaction, then canceled it]
Replies: 9
Views: 566

Re: Vanguard [executed unauthorized transaction, then canceled it]

OK, what did you ask them for compensation for your high blood pressure? Did they comply? I suppose they could send you a [removed --admin LadyGeek] T-shirt which would be a nice collector's item at some point. LOL, yes a t-shirt would be nice :D My main complaint was not that they made the mistake...
by Smoke
Fri Jul 12, 2019 1:37 pm
Forum: Investing - Theory, News & General
Topic: Vanguard [executed unauthorized transaction, then canceled it]
Replies: 9
Views: 566

Vanguard [executed unauthorized transaction, then canceled it]

Just got off the phone with Vanguard, I saw a trade place in my account earlier today for 300k for a federal housing bond for 10 yrs at 3.35% It was canceled 5 min later. I didn't do it... They checked it out and admitted another trader in their office fat fingered the account number got it wrong an...
by Smoke
Thu Jul 11, 2019 5:39 pm
Forum: Personal Consumer Issues
Topic: Automatic Watches
Replies: 89
Views: 4545

Re: Automatic Watches

I've got my 32 36 yr old cuckoo clock accurate to withing 1 min per day.
I don't wear a watch since I retired and don't pay much attention to time anymore.
The cuckoo is a hobby now :D
by Smoke
Thu Jul 11, 2019 4:52 pm
Forum: Personal Consumer Issues
Topic: 2016 Car with only 11,000 miles?
Replies: 32
Views: 2916

Re: 2016 Car with only 11,000 miles?

I have a 2017 vehicle with 5k on it. I don't see an issue.
I gave my son my last car a 2004 with 30k on it.
It happens :sharebeer
by Smoke
Thu Jul 11, 2019 10:38 am
Forum: Personal Consumer Issues
Topic: Why Is Cord Not Included?
Replies: 32
Views: 3841

Re: Why Is Cord Not Included?

As already said, it's because some homes are wired with the 3 prong and some with the 4 prong. You can easily look up the actual NEMA specifications. It would be costly and wasteful to include both cord types. The real question you should ask is why you can't detach the old cord and use it on the n...
by Smoke
Wed Jul 10, 2019 7:00 pm
Forum: Personal Consumer Issues
Topic: Friend's car caught in flood ?
Replies: 54
Views: 3131

Re: Friend's car caught in flood ?

Sometimes bad things happen to good cars... I wouldn't hold too much hope. But then the car isn't exactly new, there is that.
by Smoke
Wed Jul 10, 2019 6:24 pm
Forum: Investing - Theory, News & General
Topic: Retiring Early Correlates with Greater Longevity ?
Replies: 47
Views: 4591

Re: Retiring Early Correlates with Greater Longevity ?

Sooooo If I retire at 50 I may only have 20 yrs in retirement (aprox) If I work till 70 I may live to 75 and have 5 yrs in retirement. (aprox) I could step off a curb at any age and get hit by a bus. I believe If I worry about stuff like this my stress will go up and then I die early due to stress. ...
by Smoke
Wed Jul 10, 2019 3:12 pm
Forum: Personal Consumer Issues
Topic: Recommendations for binoculars
Replies: 34
Views: 1621

Re: Recommendations for binoculars

Celestron 71346 Outland X 8x42 Binoculars (Black) amazon 59.99 Super eye relief (for glass wearers) 18 mm I am seeking affordable/cheap binoculars that would be decent for hiking and concert attendance. I don't need high quality for birding or anything similar, but also don't want junk. What do you ...
by Smoke
Wed Jul 10, 2019 7:03 am
Forum: Investing - Theory, News & General
Topic: Americans believe they need $1.7 million, on average, to retire
Replies: 284
Views: 27099

Re: Americans believe they need $1.7 million, on average, to retire

The key words here are "Believe" and "Need" I've been retired for 15 yrs now and don't have anywhere near that much and have never touched what I have saved. All depends on what expectations there are with lifestyle in retirement. Bogleheads aside, I have always found MOST Americans totally ignorant...
by Smoke
Tue Jul 09, 2019 5:38 pm
Forum: Personal Consumer Issues
Topic: Retirees, did your level of luxury increase faster than you anticipated?
Replies: 47
Views: 4866

Re: Retirees, did your level of luxury increase faster than you anticipated?

The luxury of not waking up to an alarm clock for the past 15 yrs happened just as fast as I thought it would.
Other than that I live the same way I always have.
And am quite content to keep doing so,
by Smoke
Tue Jul 09, 2019 11:15 am
Forum: Personal Consumer Issues
Topic: Buying a Smoker
Replies: 118
Views: 6240

Re: Buying a Smoker

I bought yrs ago an off set smoker built like a tank, also have a webber bullet type. After a few years of smoking, for many many hrs, I have given up, especially on pulled pork, now I do an 8 ish lb pork butt w/bone in the kitchen oven over night. about 17 hrs at 225 deg. Take out at 200deg. It's a...
by Smoke
Mon Jul 08, 2019 7:09 pm
Forum: Personal Investments
Topic: Help - Talk to me like I'm 4 y/o please
Replies: 90
Views: 7917

Re: Help - Talk to me like I'm 4 y/o please

Welcome, about 18 yrs ago I had through an adviser a mess of funds 15? I forget, certainly you have more. My adviser quit the business 2010 ish. And left me with the mess. I am not good enough to give advise but I can tell you you have come to the right place. :beer There is no rush... take your tim...
by Smoke
Sun Jul 07, 2019 10:58 pm
Forum: Personal Consumer Issues
Topic: Survived the First Week [of retirement, what's next?]
Replies: 69
Views: 7809

Re: Survived the First Week [of retirement, what's next?]

I looked thru the help wanted ads for about 3 months after retiring before I came to grips with not having a job anymore.
I was glad to not work where I retired from but I had never not had a job.
15 yrs later I just laugh about it now.
Time.... it takes a bit of time. :sharebeer
by Smoke
Sun Jul 07, 2019 7:08 pm
Forum: Personal Consumer Issues
Topic: How warm to set thermostat while away
Replies: 62
Views: 4563

Re: How warm to set thermostat while away

Also depends on length of vacation, some people take just a few days, in that case the savings will be very minimal considering the amount of elec used to return the home to normal.
by Smoke
Sun Jul 07, 2019 4:29 pm
Forum: Personal Consumer Issues
Topic: Is Grass-fed milk worth it?
Replies: 82
Views: 3969

Re: Is Grass milk worth it?

It has less omega 6, which is a good thing, personally I don't drink milk at all though. too many carbs.
by Smoke
Fri Jul 05, 2019 11:34 am
Forum: Personal Consumer Issues
Topic: Hybrid Water Heater
Replies: 22
Views: 1428

Re: Hybrid Water Heater

Cooling its surroundings is a SIDE EFFECT and I wouldn’t count on it to cool your garage. Why not a cheap AC if you only need cooling and not very much cooling at that? Totally agree, OP will be very unhappy with the results when used in the manor described. Seriously...just dump the hot water made...
by Smoke
Fri Jul 05, 2019 9:21 am
Forum: Personal Finance (Not Investing)
Topic: How much should I have saved for retirement by age 40?
Replies: 111
Views: 17571

Re: How much should I have saved for retirement by age 40?

I never paid any attention to (how much at what age) We did the best we could with spending and saving, can't do better than that. When the opportunity to retire early happened, suddenly and very unexpectedly, I was already well prepared financially and was one of the first to put my papers in at a...
by Smoke
Fri Jul 05, 2019 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Preparing my wife for financial life without me.
Replies: 95
Views: 10584

Re: Preparing my wife for financial life without me.

Very hard depending on the situation. Inspired by this topic I engaged my spouse about our accounts and briefly explained stuff. (Not the first time) I am by no means a professional and don't use the language/jargon and put it in simple easy to understand dialog. After 10 min, her eyes glazed over a...
by Smoke
Thu Jul 04, 2019 5:38 pm
Forum: Personal Consumer Issues
Topic: Hybrid Water Heater
Replies: 22
Views: 1428

Re: Hybrid Water Heater

I live in Phoenix and am thinking about changing out my electric storage water heater for a new hybrid heat pump water heater type. I want to make some changes for multiple reasons but need some advice on the costs and issues and what exactly to do. 1. My garage is very hot and needs some type of c...
by Smoke
Thu Jul 04, 2019 12:53 pm
Forum: Personal Consumer Issues
Topic: When to use a fuel stabilizer - for cars, boats, lawn mowers, etc?
Replies: 47
Views: 2759

Re: When to use a fuel stabilizer - for cars, boats, lawn mowers, etc?

bloom2708 wrote:
Thu Jul 04, 2019 12:50 pm
"Winter" varies based on location. Sometimes our winter is 7-8 months. :oops: :oops:

I would say if it is sitting for 4-6 months and up. Less than that, probably not necessary.
+1
by Smoke
Thu Jul 04, 2019 12:52 pm
Forum: Investing - Theory, News & General
Topic: How do you brace for impact?
Replies: 65
Views: 5778

Re: How do you brace for impact?

Hmmmm, first post since 2012 ?
by Smoke
Thu Jul 04, 2019 12:22 pm
Forum: Personal Consumer Issues
Topic: Reservations about purchasing a 16 year old house
Replies: 65
Views: 4723

Re: Reservations about purchasing a 16 year old house

Coming from Town water to a well of course is different. 16 yrs on a well pump is on borrowed time. in ground or Jet pump. Get a sample of the water and have it tested for hardness. A softener may be needed. My first home was well water, now on city water, couldn't be happier now. Our in-ground wel...
by Smoke
Thu Jul 04, 2019 12:04 pm
Forum: Investing - Theory, News & General
Topic: How do you brace for impact?
Replies: 65
Views: 5778

Re: How do you brace for impact?

If I had to "brace for impact"
That would be a sign that my asset allocation is wrong.
by Smoke
Thu Jul 04, 2019 11:33 am
Forum: Personal Consumer Issues
Topic: Reservations about purchasing a 16 year old house
Replies: 65
Views: 4723

Re: Reservations about purchasing a 16 year old house

Personally if I liked the home I would just take into account the older stuff and make an offer based on it. I would probably add up all the old stuff and I think a fair discount to consider would be 50% of the replacement value of all of it combined. Some will break soon, some will last a good whil...
by Smoke
Thu Jul 04, 2019 9:53 am
Forum: Personal Consumer Issues
Topic: Reservations about purchasing a 16 year old house
Replies: 65
Views: 4723

Re: Reservations about purchasing a 16 year old house

Coming from Town water to a well of course is different. 16 yrs on a well pump is on borrowed time. in ground or Jet pump. In ground is a better system, Jet is easier to replace but more inefficient and usually used with shallow wells. Fully expect your toilet tank to sweat from the cold well water....
by Smoke
Thu Jul 04, 2019 7:19 am
Forum: Investing - Theory, News & General
Topic: Good times: 2008 vs Now
Replies: 145
Views: 14491

Re: Good times: 2008 vs Now

I like to watch the little things shoppers do or don't do and how it changes over time. A silly thing is shopping at Aldi's, for those who don't know if you want a shopping cart you need a quarter to insert into the cart slot to release it from the other carts by a chain lock. You get the quarter ba...
by Smoke
Thu Jul 04, 2019 6:39 am
Forum: Personal Finance (Not Investing)
Topic: How much should I have saved for retirement by age 40?
Replies: 111
Views: 17571

Re: How much should I have saved for retirement by age 40?

I never paid any attention to (how much at what age) We did the best we could with spending and saving, can't do better than that. When the opportunity to retire early happened, suddenly and very unexpectedly, I was already well prepared financially and was one of the first to put my papers in at ag...
by Smoke
Thu Jul 04, 2019 6:15 am
Forum: Personal Finance (Not Investing)
Topic: Do you share your net worth with family members?
Replies: 252
Views: 20035

Re: Do you share your net worth with family members?

I wouldn't. WhenI am older and infirm, I will let my kids know, but not now. Definitely not. For me this is just like winning the lottery--no one should know. +1 Also I do not wish for my kids to become lazy in their own investing/saving, thinking they can rely on a nice inheritance. They know we a...
by Smoke
Thu Jul 04, 2019 5:57 am
Forum: Personal Investments
Topic: For anyone who retired early
Replies: 13
Views: 1576

Re: For anyone who retired early

It helps a lot to be debt free.
I retired at 50 with pension, benefits.
Although we live a modest lifestyle, If I had no pension till age 60, it would not have been possible for us without supplementing income with another job or some other source of income.
by Smoke
Mon Jul 01, 2019 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Long term care insurance excessive price increase -upset!
Replies: 160
Views: 9819

Re: Long term care insurance excessive price increase -upset!

Same boat for my wife and I, only through Allianz not genworth. 15yrs ago Sounds like a very similar plan only we are at 200 per day with a 5% per yr increase per yr. Lifetime, all the bells and whistles. Also went through an increase similar to the OPs a couple of yrs ago. I forget how long they sa...
by Smoke
Mon Jul 01, 2019 12:48 pm
Forum: Personal Consumer Issues
Topic: anyone in the market for a lawn tractor?
Replies: 31
Views: 1901

Re: anyone in the market for a lawn tractor?

On one acre of flat ground pretty much any riding mower will last a very long time as long as you do the maintenance. I would only entertain the main names in engines, stay away from the lower quality ripoff engines. If you don't like the idea of changing the oil with the mess, get a topsider oil su...
by Smoke
Mon Jul 01, 2019 9:07 am
Forum: Personal Investments
Topic: Allocation plan Opinions
Replies: 14
Views: 523

Re: Allocation plan Opinions

Well, maybe don't go all the way to the top of the 12% bracket? But...you are looking at tax paid, not the money left over after taxes. That often gives the wrong answer. Try your calculations again looking at dollars left, not tax paid. In the long run, dollars left will grow which is why just loo...
by Smoke
Mon Jul 01, 2019 9:03 am
Forum: Personal Investments
Topic: Allocation plan Opinions
Replies: 14
Views: 523

Re: Allocation plan Opinions

retiredjg wrote:
Mon Jul 01, 2019 8:59 am
Also, I believe it is good NOT to convert it all. Leave some to pay for possible large medical bill years tax free.
I updated my last post with the top 10% limit of conversion