Search found 101 matches

by GMCZ71
Mon Nov 18, 2019 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Withdrawal Strategy
Replies: 7
Views: 946

Re: Retirement Withdrawal Strategy

I think others will advise you to convert some of the IRA each year while you have some head room on ACA cliff.
by GMCZ71
Mon Nov 18, 2019 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Process for surviving spouse.
Replies: 59
Views: 10386

Re: Financial To Do List for a surviving spouse.

viewtopic.php?t=198919 Bogleheads: As a former life insurance agent and executor of two estates, I understand how important it is to help those we leave behind. Below is my own "Final Instructions" which you may want to use as a guide: For Immediate Action: I would like my remains to be donated to ...
by GMCZ71
Mon Nov 18, 2019 8:20 pm
Forum: Personal Investments
Topic: Moving $380K in individual stocks to index fund
Replies: 46
Views: 2311

Re: Moving $380K in individual stocks to index fund

Any 401k or Roth ira eligibility?
by GMCZ71
Mon Nov 04, 2019 8:17 am
Forum: Personal Consumer Issues
Topic: Wedding gift from brother
Replies: 28
Views: 3849

Re: Wedding gift from brother

Kennedy wrote:
Sun Nov 03, 2019 11:38 pm
ideas for a wedding gift for the couple from the groom's brother.
So you mean somebody from the wedding party not the bride and groom?
by GMCZ71
Wed Oct 30, 2019 6:46 pm
Forum: Personal Investments
Topic: Selecting Portfolio Funds
Replies: 38
Views: 2235

Re: Selecting Portfolio Funds

Vanguard Total Stock Market (VTSMX)


Vanguard Total International (VGTSX)


Vanguard Total Bond Market (VBTLX)

viewtopic.php?f=10&t=88005

Skip gold and commodities, percentage of these depends on you.
by GMCZ71
Tue Oct 22, 2019 7:42 pm
Forum: Personal Investments
Topic: How are we doing? Where to go from here? Funds are too complicated
Replies: 22
Views: 2206

Re: How are we doing? Where to go from here? Funds are too complicated

Yes you have many funds which makes it complicated. Have you read thru Taylor's 3 fund thread?
viewtopic.php?f=10&t=88005
No worries lots of good help from those smarter than me. :happy
by GMCZ71
Mon Oct 21, 2019 7:44 pm
Forum: Personal Consumer Issues
Topic: car battery change or not? 2 year old battery
Replies: 118
Views: 6354

Re: car battery change or not? 2 year old battery

From memory 2015 and older oem requirement is 550 cca and newer require 650 cca
by GMCZ71
Sun Oct 20, 2019 9:27 am
Forum: Personal Consumer Issues
Topic: car battery change or not? 2 year old battery
Replies: 118
Views: 6354

Re: car battery change or not? 2 year old battery

Took my honda odyssey for routine servicing and dealer stated I needed a battery replacement. Help me make sense of these specs from dealer rating of battery: Rating: 700 CCA Measured: 561 CCA Recommendation: Battery replacement is highly recommended However, the battery was replaced by AAA about 2...
by GMCZ71
Sun Oct 20, 2019 9:12 am
Forum: Personal Consumer Issues
Topic: Are Really Large Battery Brands Fungible?
Replies: 29
Views: 3327

Re: Are Really Large Battery Brands Fungible?

(they only are used if the power goes out, which is very rare). Unfortunately, I know very little about batteries. What would be the best way to figure out comparable (cheaper) batteries that I could use? Or is that a bad idea and I should just stick with the $$$ ones? This is one of those instance...
by GMCZ71
Sat Oct 19, 2019 9:16 am
Forum: Personal Consumer Issues
Topic: selling house, should we put in sod to replace ugly lawn?
Replies: 45
Views: 3752

Re: selling house, should we put in sod to replace ugly lawn?

Rus In Urbe wrote:
Sat Oct 19, 2019 7:32 am
Yes. Sod.

Using sod is much quicker and more environmentally friendly than using the chemicals that kill weeds along with insects, earthworms, birds, and other wildlife.
Which will impact more 1800 sq ft of chemicals or 1000 acres at the sod farm?
by GMCZ71
Sat Oct 19, 2019 8:39 am
Forum: Personal Finance (Not Investing)
Topic: I bought a STOLEN vehicle!!!
Replies: 106
Views: 15208

Re: I bought a STOLEN vehicle!!!

No money back for my friend. Same things: Sheriff repo on Christmas eve. DMV took the money to register in his name. Seller was a car dealer and had no knowledge it was stolen. Friend got a lawyer but still had to pay the bank loan on stolen vehicle in the end. Did you friend sue the the car dealer...
by GMCZ71
Fri Oct 18, 2019 7:04 am
Forum: Personal Finance (Not Investing)
Topic: I bought a STOLEN vehicle!!!
Replies: 106
Views: 15208

Re: I bought a STOLEN vehicle!!!

No money back for my friend.
Same things: Sheriff repo on Christmas eve. DMV took the money to register in his name. Seller was a car dealer and had no knowledge it was stolen.

Friend got a lawyer but still had to pay the bank loan on stolen vehicle in the end.
by GMCZ71
Sun Oct 13, 2019 9:51 am
Forum: Personal Consumer Issues
Topic: X Country Driving Trip across the US, solo
Replies: 25
Views: 2101

Re: X Country Driving Trip across the US, solo

I talked with a guy that used AAA trip planner and it sounded like it worked out great. He paid for the premium service instead of the free one. He told them what cities and when, reservations were taken care of. He also changed cities mid stream because of hurricane threat.
by GMCZ71
Thu Oct 03, 2019 7:37 pm
Forum: Personal Consumer Issues
Topic: Removing smoke odor from clothing
Replies: 20
Views: 1770

Re: Removing smoke odor from clothing

I would try charcoal briquettes, no match lite or other ingredients. Google charcoal briquettes odor removal.
by GMCZ71
Thu Oct 03, 2019 7:16 am
Forum: Personal Consumer Issues
Topic: Pest Exterminator DIY
Replies: 27
Views: 2118

Re: Pest Exterminator DIY

We use:
Taurus SC . edit-this works for termite, ants and the sugar ants!
Terro
Snap traps
by GMCZ71
Wed Oct 02, 2019 7:50 pm
Forum: Personal Consumer Issues
Topic: Solar Installation - 0.75 Year Later
Replies: 72
Views: 9853

Re: Solar Installation - 0.75 Year Later

I am afraid to check how long our payoff would be, must be 20yrs? as if oct 1 2019 RESIDENTIAL RATE SCHEDULE Availability Available within the McMinnville Water and Light (MW&L) Electric Service Territory Schedule of Monthly ChargesCustomer Charge $15.10 Consumption Charge (per kWh) First 1000 kWh $...
by GMCZ71
Tue Oct 01, 2019 8:34 am
Forum: Personal Consumer Issues
Topic: Ants immune to Terro or just lots of ants?
Replies: 38
Views: 3057

Re: Ants immune to Terro or just lots of ants?

I did the Terro baits for a few years and would see some issues similar to what you’re experiencing. I now use Taurus SC around the outside of house twice a year to control and have had no issues for 3 years. I’d highly recommend. If they’re colonized inside, perhaps advion gel for a change? I will...
by GMCZ71
Sun Sep 29, 2019 8:47 am
Forum: Personal Consumer Issues
Topic: Failure mode for a gel-cell rechargeable battery?
Replies: 6
Views: 460

Re: Failure mode for a gel-cell rechargeable battery?

Yes this is common for old batteries. Batteries have a finite number of cycles. Your gels from 2011 probably were past due, and had less capacity-higher resistance. Heat Resistance. Heating a metal conductor makes it more difficult for electricity to flow through it. ... These collisions cause resis...
by GMCZ71
Thu Sep 26, 2019 8:12 am
Forum: Personal Finance (Not Investing)
Topic: Debit card compromised while overseas-RFID question
Replies: 8
Views: 895

Re: Debit card compromised while overseas-RFID question

But even if the RFID blocking products did protect better than Reynolds Wrap™, the fact remains that in over a decade, not a single crime involving an RFID-enabled device has been reported in the public domain. I don’t just mean credit card crime. I mean no real RFID-enabled crime ever! scare video...
by GMCZ71
Sat Sep 21, 2019 8:59 am
Forum: Personal Consumer Issues
Topic: Separate laptop for dealing with finances?
Replies: 39
Views: 3073

Re: Separate laptop for dealing with finances?

I use a virtual machine but that may be beyond what many people want to do or can do. Absent the VM or separate hardware, I would Use a dedicated browser that clears the cache when closed I do not use mobile devices I only use institutions that have two-factor authorization A large part of security...
by GMCZ71
Wed Sep 11, 2019 7:14 am
Forum: Personal Finance (Not Investing)
Topic: Lending to friend to India
Replies: 54
Views: 3869

Re: Lending to friend to India

I didn't see what the loan was going to be used for in India? Is it possible that by accident those funds can be tied to drugs or terrorism and you as the lender could be implicated.
by GMCZ71
Sat Aug 24, 2019 8:51 am
Forum: Personal Consumer Issues
Topic: Lawn chemicals - any experts here?
Replies: 37
Views: 2258

Re: Lawn chemicals - any experts here?

How safe are lawn care chemicals? Specifically glyphosate. Personally, I'm a homeowner for 7 years and we had two healthy offspring before moving in. Moving here I did a major lawn renovation and hired a lawn care company. Since then I've used chemicals sparingly. Then we had 2 miscarriages. Now of...
by GMCZ71
Sun Aug 18, 2019 10:11 am
Forum: Personal Consumer Issues
Topic: Independent auto mechanic, Palm Desert, CA
Replies: 1
Views: 262

Re: Independent auto mechanic, Palm Desert, CA

If you chat up (phone call) other local places like:
post office
fire dept
auto parts
Places like these know who is reputable and fair.
by GMCZ71
Thu Aug 15, 2019 7:06 am
Forum: Personal Consumer Issues
Topic: Things to see in Walla Walla, WA?
Replies: 15
Views: 906

Re: Things to see in Walla Walla, WA?

Pioneer Park
Fort Walla Walla
Whitman Mission
by GMCZ71
Tue Aug 06, 2019 8:11 am
Forum: Personal Consumer Issues
Topic: ways to stay a little cleaner during diy car maintenance
Replies: 39
Views: 2585

Re: ways to stay a little cleaner during diy car maintenance

mhalley wrote:
Mon Aug 05, 2019 10:57 pm
How about buying a pair of coveralls for use with dirty jobs?
+1
Goodwill for a used coverall or long lab coat!
Harbor Freight has one time use coveralls. $7
by GMCZ71
Fri Aug 02, 2019 7:20 pm
Forum: Investing - Theory, News & General
Topic: Where should I put money I don’t need?
Replies: 11
Views: 1435

Re: Where should I put money I don’t need?

Debt?
Total Bond to lower your 90%.
by GMCZ71
Sun Jul 21, 2019 8:08 am
Forum: Personal Consumer Issues
Topic: **Most Cost, Time Effective Way to Repair Yard after Septic Repair? (with pictures)
Replies: 27
Views: 1725

Re: Most Cost, Time Effective Way to Repair Yard after Septic Repair? (with pictures)

Can't see your picture of the yard. Best time is the fall, but can be done in the summer. Any neighbors that can help? Watering - multiple hoses and sprinklers daisy chained on one of those little hose end timers. Can be set to come on every 2,4,6,8 hrs and run time can be set in minutes. (1-60 min ...
by GMCZ71
Sat Jul 20, 2019 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Should relative incomes be a factor in wedding gift?
Replies: 107
Views: 6972

Re: Should relative incomes be a factor in wedding gift?

Your gift does not have to be $$, but from what I have read should be worth more than what they spend per guest.
The gift from our wedding that stands out is a rock, yes a rock. I see it every day in the yard, they sent in a photo of our invitation sticker and had the rock engraved with that logo.
by GMCZ71
Sat Jul 20, 2019 8:48 am
Forum: Personal Finance (Not Investing)
Topic: Undo Joint Account with Parents?
Replies: 38
Views: 3028

Re: Undo Joint Account with Parents?

goofed this up. At my father's request, we added me to their bank accounts for all the typical reasons (monitoring for issues, assist with paying bills once he's no longer able, etc.). We did the same thing, Father was terminal and added me to both banks and all accounts. We started thinking/googli...
by GMCZ71
Mon Jul 01, 2019 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Feels like never enough in savings?
Replies: 27
Views: 3171

Re: Feels like never enough in savings?

If you have a sizable taxable account, it is possible to place a cash needs requirement, such as an emergency fund or home down payment, in a tax-advantaged account and improve the overall tax efficiency of an investment portfolio. https://www.bogleheads.org/wiki/Placing_cash_needs_in_a_tax-advantag...
by GMCZ71
Thu Jun 27, 2019 7:07 am
Forum: Personal Consumer Issues
Topic: Fuel type for 2 month car storage
Replies: 36
Views: 2363

Re: Fuel type for 2 month car storage

Why is ethanol added at all? It seems like it only potentially harms autos without a benefit? As for comment about lawn mower...it probably won't affect most 4 cycle mower engines but 2 cycle ones may be more vulnerable. It lowers emissions. It burns cleaner but at a cost of lower mpg. E10 gasoline...
by GMCZ71
Wed Jun 26, 2019 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: FDIC insured up to $1 million? How is that possible?
Replies: 21
Views: 1898

Re: FDIC insured up to $1 million? How is that possible?

Access Multi-Million-Dollar FDIC Insurance at one bank CDARS® – the Certificate of Deposit Account Registry Service® – is the most convenient way to access FDIC insurance on multi-million-dollar CD deposits and to earn CD-level rates, which often compare favorably to Treasuries and money market mutu...
by GMCZ71
Wed Jun 19, 2019 7:12 pm
Forum: Personal Investments
Topic: What are you suppose to do with money earned from dividends?
Replies: 10
Views: 1842

Re: What are you suppose to do with money earned from dividends?

You can also have the dividends reinvested automatically back into VTSAX. While logged into your Roth hover over VTSAX and click on it, bottom of page you should see dividends capital gains etc. Edit to turn on or off.
by GMCZ71
Sun Jun 16, 2019 8:14 am
Forum: Personal Consumer Issues
Topic: Mosquitos
Replies: 45
Views: 4190

Re: Mosquitos

Maybe available in your area too. Get Mosquitofish If you have an ornamental pond or pool, mosquitofish may help to control mosquitoes. Mosquitofish, also known as Gambusia, are small predatory fish that eat mosquito larvae. Read the Oregon Department of Fish and Wildlife’s guidance on mosquitofish ...
by GMCZ71
Sun Jun 16, 2019 7:25 am
Forum: Personal Investments
Topic: CDARS - Can anyone share experience?
Replies: 7
Views: 1188

Re: CDARS - Can anyone share experience?

I have brought up CDARS several times on this forum with no response. Interesting that you started this thread. I don't have bank deposits in excess of $250,000 so this is something that I have not experienced myself. I also have mentioned CDARS a few times on here after I heard Clark Howard talk a...
by GMCZ71
Tue Jun 11, 2019 7:33 pm
Forum: Personal Investments
Topic: How should I craft my portfolio?
Replies: 8
Views: 579

Re: How should I craft my portfolio?

I would stay with 100% till your 30s, then throtle down.
by GMCZ71
Sun Jun 02, 2019 8:46 am
Forum: Personal Consumer Issues
Topic: Cutting The Cord
Replies: 24
Views: 2374

Re: Cutting The Cord

AT&T WatchTV $15/month or free for some AT&T wireless plan subscribers Philo $20/month Sling TV $25/month PlayStation Vue $44.99/month Hulu + Live TV $44.99/month YouTube TV $49.99/month DirecTV Now $50/month fuboTV $54.99/month channel line ups https://clark.com/technology/tvsatellite-cable/streami...
by GMCZ71
Sat Jun 01, 2019 8:16 am
Forum: Personal Consumer Issues
Topic: 23 and me vs. ancestry- thoughts?
Replies: 38
Views: 3316

Re: 23 and me vs. ancestry- thoughts?

If you wish to see inside the lab and a walk thru --
https://youtu.be/U3EEmVfbKNs

(Behind the scenes at the 23andMe Lab) - Smarter Every Day
by GMCZ71
Wed May 29, 2019 7:07 am
Forum: Personal Investments
Topic: FDIC Insurance Limits
Replies: 12
Views: 769

Re: FDIC Insurance Limits

Access Multi-Million-Dollar FDIC Insurance at one bank CDARS® – the Certificate of Deposit Account Registry Service® – is the most convenient way to access FDIC insurance on multi-million-dollar CD deposits and to earn CD-level rates, which often compare favorably to Treasuries and money market mut...
by GMCZ71
Sat May 25, 2019 8:34 am
Forum: Personal Consumer Issues
Topic: Am I a sucker to pay for a new roof?
Replies: 24
Views: 2516

Re: Am I a sucker to pay for a new roof?

I would encourage you to file a claim. The insurance company will only approve if they can determine you had wind damage. You will get more out of this claim than adjustments to your insurance rate. Normally, it takes multiple claims to affect your rate. After all, this is one of the reasons we hav...
by GMCZ71
Sat May 25, 2019 7:58 am
Forum: Investing - Theory, News & General
Topic: Is the housing market starting to collapse?
Replies: 122
Views: 13357

Re: Is the housing market starting to collapse?

I use Zillow a little bit differently. I have it only show sold homes within 5 miles and last 6 months of my house. Then look at cost per foot which helps me get my own guestimate. I have found square ft price varies: Our house 2200 sqft $170-205 per foot . Zillow says $430,000 I say $407,000 1500 g...
by GMCZ71
Sun May 19, 2019 8:45 am
Forum: Personal Investments
Topic: FDIC Coverage Limits
Replies: 22
Views: 1502

Re: FDIC Coverage Limits

Access Multi-Million-Dollar FDIC Insurance CDARS® – the Certificate of Deposit Account Registry Service® – is the most convenient way to access FDIC insurance on multi-million-dollar CD deposits and to earn CD-level rates, which often compare favorably to Treasuries and money market mutual funds. Se...
by GMCZ71
Sat May 18, 2019 9:30 am
Forum: Personal Consumer Issues
Topic: Synthetic oil or not for very low mileage auto?
Replies: 47
Views: 3410

Re: Synthetic oil or not for very low mileage auto?

As long as the engine has quality clean oil and a new filter at required intervals it will out last other parts on the car.
by GMCZ71
Thu May 09, 2019 7:25 am
Forum: Personal Consumer Issues
Topic: Lawn care schedule
Replies: 75
Views: 7359

Re: Lawn care schedule

dalbright wrote:
Wed May 08, 2019 6:52 am
It has been about 2 weeks since i did the weed and feed so the timing seems about right for some type of re-app. Interesting about adding the dawn!
2 weeks for feed app is too soon, should wait for 4-6 weeks. On the weed killer side 2 weeks is the time for another app.
by GMCZ71
Wed May 08, 2019 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Question about FDIC limit
Replies: 12
Views: 1507

Re: Question about FDIC limit

Access Multi-Million-Dollar FDIC Insurance CDARS® – the Certificate of Deposit Account Registry Service® – is the most convenient way to access FDIC insurance on multi-million-dollar CD deposits and to earn CD-level rates, which often compare favorably to Treasuries and money market mutual funds. Se...
by GMCZ71
Wed May 08, 2019 6:49 am
Forum: Personal Consumer Issues
Topic: Lawn care schedule
Replies: 75
Views: 7359

Re: Lawn care schedule

I think the Bayer season long kills everything, you want weed be gone that only kills weeds and not the grass. How long since the weed and feed app?
by GMCZ71
Tue May 07, 2019 9:08 am
Forum: Personal Consumer Issues
Topic: Lawn care schedule
Replies: 75
Views: 7359

Re: Lawn care schedule

Some basics... Things to Do . Yes +1 1) Mow high...higher than you think is normal. This might be the most important tenet of lawn care, and definitely the easiest. In the heat of summer, I set mower height at 3.5-4 inches. 3 inches in spring and fall. The taller your grass is, the more it shades t...
by GMCZ71
Sun May 05, 2019 7:04 am
Forum: Personal Consumer Issues
Topic: Useful wedding gift you didn't expect
Replies: 26
Views: 3299

Re: Useful wedding gift you didn't expect

A rock, small flat like a river rock.
About 4x3 and engraved with our wedding stamp/logo.
It is a great looking rock and still in our yard.
by GMCZ71
Mon Apr 29, 2019 6:57 am
Forum: Personal Consumer Issues
Topic: Any affordable place for Dental Implants in the Northwest USA ?
Replies: 23
Views: 2138

Re: Any affordable place for Dental Implants in the Northwest USA ?

There are also good dentists in Tijuana, which is 20 minutes from the San Diego airport. We have an Aunt and Uncle that have been going to this dentist for 15 yrs. Cleanings and other stuff is done back home. Our home dentist just wanted to know the manufacture of the implant, each company may use ...
by GMCZ71
Sun Apr 28, 2019 10:03 am
Forum: Personal Consumer Issues
Topic: Any affordable place for Dental Implants in the Northwest USA ?
Replies: 23
Views: 2138

Re: Any affordable place for Dental Implants in the Northwest USA ?

Ditto on Dental Tourism. We used to live in Portland. Now in Tucson. I am in the final stages of getting an implant similar to yours. Total "out the door" price: $1800.00 Laser Dental in Nogales. Very impressed with their dentists and equipment. +1 We also went south for 1 implant to Yuma/Los Algad...