Search found 60 matches

by conservativeinvestor
Thu Aug 13, 2020 1:07 pm
Forum: Personal Consumer Issues
Topic: Looking for cell phone that is great at being a phone
Replies: 15
Views: 840

Re: Looking for cell phone that is great at being a phone

A few years ago Verizon had some really nice ruggedized basic phones with nice features and long battery life. It looked like they were geared toward hard use such as construction sites and outdoor activities. Nokia was also brining back some classic phones around 2017-2018 which might have been fun...
by conservativeinvestor
Thu Aug 13, 2020 5:09 am
Forum: Personal Finance (Not Investing)
Topic: Tree section fell on my neighbor's property...who is liable
Replies: 56
Views: 5563

Re: Tree section fell on my neighbor's property...who is liable

If the situation was reversed what would you expect to happen? If a part of a neighbors tree fell in my yard I would sure expect them to clean it up regardless of what the laws are. Unless you don't care about being a good neighbor then just let it lay there until you figure out who is ultimately re...
by conservativeinvestor
Tue Aug 11, 2020 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Any Tips for "Splitting" Finances in Married Couples?
Replies: 32
Views: 3168

Re: Any Tips for "Splitting" Finances in Married Couples?

She gets a new credit card. She opens a new checking account. You get a new credit card. You open a new checking account. Set up the bills as you want them divided. That's all there is to it. This is the answer. You don't need it to be 50/50. Figure out how much your total joint expenses are. Then ...
by conservativeinvestor
Mon Aug 03, 2020 10:14 am
Forum: Personal Consumer Issues
Topic: What Car Maintenance Do You Do?
Replies: 159
Views: 7678

Re: What Car Maintenance Do You Do?

I used to like working on cars as a hobby and did a lot of maintenance on my own. I don't have the ambition to do my own maintenance anymore due to more responsibilities, more hobbies, and newer cars generally being harder to work on. It has also been my experience that for basic stuff there isn't m...
by conservativeinvestor
Thu Jul 30, 2020 6:08 am
Forum: Personal Finance (Not Investing)
Topic: Car Insurance - Liability or more?
Replies: 34
Views: 1390

Re: Car Insurance - Liability or more?

It works out to about $21 a month extra for the full coverage with a $1000 deductible. How upset would you be if you wrecked the car and had to pay $5000 out of pocket for a new car vs $1000 out of pocket but you have to continue to pay $21 a month extra for the amount of time you own the car. I wou...
by conservativeinvestor
Wed Jul 29, 2020 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Please rate my stimulus check plan!
Replies: 31
Views: 2580

Re: Please rate my stimulus check plan!

The cutoff to get the full $1200 stimulus check was AGI of $75,000 per individual. You have a long way to go to get below that number. Like others have mentioned I don't understand how you got a check the first time based on the numbers you posted. Individuals who earned over $99,000 or couples earn...
by conservativeinvestor
Wed Jul 29, 2020 5:19 am
Forum: Personal Consumer Issues
Topic: Only tool I've ever used to repair a car is a Visa card: Can I replace a Camry Bumper myself?
Replies: 15
Views: 1507

Re: Only tool I've ever used to repair a car is a Visa card: Can I replace a Camry Bumper myself?

This should be a pretty straightforward job, but I would look into how much it would cost just to have a shop do it if you have never done any work on a car before, I can't imagine it will cost that much in labor. If you do decide to try it yourself buy a couple extra pop clips, they are easy to bre...
by conservativeinvestor
Tue Jul 28, 2020 6:10 am
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 361
Views: 44760

Re: Don't pay full price for SiriusXM radio

I just called to cancel my subscription a few weeks ago. I had to try on two separate days due to hold time. The first day I gave up after 40 minutes of being on hold. The second day I was only on hold for about 15 minutes and they kept giving better and better prices I think they're last offer wor...
by conservativeinvestor
Mon Jul 27, 2020 12:49 pm
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 361
Views: 44760

Re: Don't pay full price for SiriusXM radio

I just called to cancel my subscription a few weeks ago. I had to try on two separate days due to hold time. The first day I gave up after 40 minutes of being on hold. The second day I was only on hold for about 15 minutes and they kept giving better and better prices I think they're last offer work...
by conservativeinvestor
Thu Jul 16, 2020 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Loan to a Friend - was it done right?
Replies: 16
Views: 1446

Re: Loan to a Friend - was it done right?

Why even bother with the $800? That doesn't seem like near enough interest to balance out the huge risk this is. If the person really is a friend and pays you back the full amount in the proposed time frame just tell them to take you out for a dinner at really nice restaurant. To avoid gift tax law...
by conservativeinvestor
Thu Jul 16, 2020 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Loan to a Friend - was it done right?
Replies: 16
Views: 1446

Re: Loan to a Friend - was it done right?

Why even bother with the $800? That doesn't seem like near enough interest to balance out the huge risk this is. If the person really is a friend and pays you back the full amount in the proposed time frame just tell them to take you out for a dinner at really nice restaurant.
by conservativeinvestor
Tue Jul 14, 2020 1:11 pm
Forum: Personal Consumer Issues
Topic: Best grass seed [for lawn repair]!
Replies: 21
Views: 2083

Re: Best grass seed!

I have had good luck with scott's but make sure you get the right kind to blend in with the type of grass you have, usually based on where you live in the country. I order off of amazon, I can get 40lb bags with free prime delivery for only slightly more money than the 20lb bags cost at the big box ...
by conservativeinvestor
Tue Jul 14, 2020 9:18 am
Forum: Personal Consumer Issues
Topic: Tree trimming estimate.
Replies: 39
Views: 2003

Re: Tree trimming estimate.

One concern I would have with trees like that and the required trimming is what is it going to look like when it's done? I bet trimming it to spec isn't going to cost much but if you want them shaped so they maintain their overall symmetry and don't look weird when it's done it's going to take a lot...
by conservativeinvestor
Mon Jul 13, 2020 10:02 am
Forum: Personal Consumer Issues
Topic: Are 55+ Communities a Baby Boomer Thing Only? If so, who will buy when Boomers want to sell?
Replies: 195
Views: 16088

Re: Are 55+ Communities a Baby Boomer Thing Only? If so, who will buy when Boomers want to sell?

I find the idea of a 55+ community appealing. I really like the floor plans you can find there. Specifically I’d like single level living, 2 master bedrooms, a 2 car garage, and no extra rooms. I can only find that in the 55* communities. The landscaping is typically kept up and uniform as well. Bu...
by conservativeinvestor
Wed Jul 01, 2020 1:55 pm
Forum: Personal Investments
Topic: Where to invest $25k at this moment?
Replies: 17
Views: 2940

Re: Where to invest $25k at this moment?

I would look for the highest online savings account rate and or sign up bonus you can get and put it there.
by conservativeinvestor
Wed Jul 01, 2020 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Payoff Mortgage?
Replies: 15
Views: 1293

Re: Payoff Mortgage?

at 3% interest I don't think it's worth paying off early. I definitely wouldn't pay it off just to put the previous payment in an online savings account.
by conservativeinvestor
Wed Jul 01, 2020 1:12 pm
Forum: Investing - Theory, News & General
Topic: How to analyze having a paid-off mortgage in retirement?
Replies: 104
Views: 6510

Re: How to analyze having a paid-off mortgage in retirement?

It depends on the interest rate of the mortgage and your expected portfolio return. If you have, or refinance to one of the low interest rates currently available then any extra money you would use to payoff the mortgage early would be better invested in the market, assuming 7% annual returns. On th...
by conservativeinvestor
Tue Jun 30, 2020 5:17 am
Forum: Investing - Theory, News & General
Topic: Asymmetric risk in the Roth vs Traditional question
Replies: 297
Views: 13706

Re: Asymmetric risk in the Roth vs Traditional question

The problem with this thread is that I'm advocating for a different Roth vs trad decision process and many respondents are replying to an imagined position of advocating for not using Roth assets, which is not my position. My point is not that any particular plan or configuration is bad for anyone ...
by conservativeinvestor
Fri Jun 26, 2020 11:06 am
Forum: Investing - Theory, News & General
Topic: Asymmetric risk in the Roth vs Traditional question
Replies: 297
Views: 13706

Re: Asymmetric risk in the Roth vs Traditional question

This all seems very confusing. Aren't the only things that really matter your current tax rate and future tax rate? Lets try some math: Salary 100,000 per year Current tax rate 25% Retirement tax rate 25% 20 years of contributions 7% rate of return Traditional Contribution: 18% or 18,000 per year R...
by conservativeinvestor
Fri Jun 26, 2020 8:52 am
Forum: Investing - Theory, News & General
Topic: Asymmetric risk in the Roth vs Traditional question
Replies: 297
Views: 13706

Re: Asymmetric risk in the Roth vs Traditional question

This all seems very confusing. Aren't the only things that really matter your current tax rate and future tax rate? Lets try some math: Salary 100,000 per year Current tax rate 25% Retirement tax rate 25% 20 years of contributions 7% rate of return Traditional Contribution: 18% or 18,000 per year Ro...
by conservativeinvestor
Sun Jun 07, 2020 11:01 am
Forum: Personal Consumer Issues
Topic: Cheaters [ground plug adapters]-- how do deal with them, how to find them when you need them
Replies: 34
Views: 2510

Re: Cheaters -- how do deal with them, how to find them when you need them

What you are looking for are called ground plug adapters. They cost about $2 a piece. Why not just buy one for each air conditioner you use and leave it on the plug permanently? Lots of snark in your post and I'm sure if you dug through enough couch cushions you could find enough spare change that y...
by conservativeinvestor
Thu Jan 23, 2020 9:19 am
Forum: Personal Consumer Issues
Topic: Subaru Outback engine stop/start
Replies: 94
Views: 6988

Re: Subaru Outback engine stop/start

This is one of the reasons Subaru was crossed off my list when recently purchasing a new car. The only way I could determine by searching the internet for a way to bypass this when researching Subaru's was that many people mentioned if you have a trailer connected the auto stop / start would not eng...
by conservativeinvestor
Wed Jan 22, 2020 12:29 pm
Forum: Personal Consumer Issues
Topic: Time to get a bearded dragon?!
Replies: 57
Views: 4728

Re: Time to get a bearded dragon?!

Growing up we had a lot of different animals Snakes Lizards Hermit Crabs Mice Guinea Pig Fish Rabbit Horse Cats Dog Of those my favorite were Cats & Dogs equally. Dogs are the most enjoyable but also the most work. Cats can be pretty independent and can be left for a few days on there own I agree wi...
by conservativeinvestor
Tue Nov 26, 2019 10:48 am
Forum: Personal Consumer Issues
Topic: Michelin vs Toyota tires for Corolla?
Replies: 31
Views: 2988

Re: Michelin vs Toyota tires for Corolla?

One of my favorite tires is the General Altimax Rt43. They are about $400 a set on tire rack for your size with free shipping. I have had these on three different cars and have recommended them to other people with good feedback. Check out tirerack.com for good reviews/info on the tires you are look...
by conservativeinvestor
Wed Nov 20, 2019 6:06 am
Forum: Personal Investments
Topic: Leaving large amount of money in savings at 0.05%?
Replies: 21
Views: 2772

Re: Leaving large amount of money in savings at 0.05%?

Why not move most or all of it to an online bank? I have my emergency fund in a Capital One online savings account the interest rate is currently 1.8% with no minimum balance or annual fees. There are other online savings accounts if you look around that could probably do even better on the interest...
by conservativeinvestor
Tue Oct 08, 2019 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Hillarious insight on having $5 Million
Replies: 14
Views: 4332

Re: Hillarious insight on having $5 Million

If I inherited $5,000,000 and put it in a 0% savings account I could cover my current expenses for 111 years. I wouldn't even give two weeks notice.
by conservativeinvestor
Sat Sep 21, 2019 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Best way to track / categorize spending?
Replies: 35
Views: 2145

Re: Best way to track / categorize spending?

Wasn't Microsoft Money terminated many years ago? I once used it and was forced to convert to Quicken which I've used ever since. Gill They stopped making updates to it but it still works just fine. They came out with a sunset edition which is free to download. It still works just fine on my window...
by conservativeinvestor
Fri Sep 20, 2019 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 shaking up savings accounts
Replies: 61
Views: 22850

Re: Capital One 360 shaking up savings accounts

I also didn't know about any of these changes and have the current money market account I did notice that it dropped from 2% to 1.9% It sounds like there is no longer a benefit to keeping the money market account if the regular rate is going to be the same but not require the $10K minimum. I also wo...
by conservativeinvestor
Fri Sep 20, 2019 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Best way to track / categorize spending?
Replies: 35
Views: 2145

Re: Best way to track / categorize spending?

if you don't want to use online service but track your income and spending manually Microsoft money still works, I've been using it since windows 98 was out. You do have to manually enter each income and expense so it can be a bit labor intensive if you have a lot of accounts/daily expenses but it a...
by conservativeinvestor
Tue Jul 16, 2019 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Being a hands off homeowner
Replies: 51
Views: 4085

Re: Being a hands off homeowner

We are in our first home and it has been much more expensive than we would have imagined even in a generally low cost area. 1800 sq.ft house with about an acre lot. The house is a little over 30 years old and it seems like the repairs have been nonstop but apparently this is right about the age of h...
by conservativeinvestor
Sat Jul 06, 2019 1:51 pm
Forum: Personal Consumer Issues
Topic: Cleaning bugs off car bumper
Replies: 32
Views: 3123

Re: Cleaning bugs off car bumper

I always keep a bottle of turtle wax tar and bug remover on hand. I'm generally not a turtle wax fan but this stuff works and it can found everywhere around here. https://www.turtlewax.com/en-us/our-products/renew-restore/turtle-wax-bug-tar-remover/ I mostly use it to remove the tar that tires kick ...
by conservativeinvestor
Wed Jul 03, 2019 1:34 pm
Forum: Personal Consumer Issues
Topic: 2019 Subaru Forester Eyesight System?
Replies: 101
Views: 6529

Re: 2019 Subaru Forester Eyesight System?

You're going to be in a tough spot. Are any cars sold now with roll-up windows? (besides commercial delivery vans/trucks) On eyesight......I've driven multiple loaner Subarus with it plus my mom's 18 Legacy with it. If you want to completely disable it, put some duct tape on the window in front of ...
by conservativeinvestor
Wed Jul 03, 2019 1:13 pm
Forum: Personal Consumer Issues
Topic: 2019 Subaru Forester Eyesight System?
Replies: 101
Views: 6529

Re: 2019 Subaru Forester Eyesight System?

Again, if driving "engagement" and enough cargo space for dogs are the main requirements... GET A STATION WAGON!!! CUV/SUV/CrossOvers are just lifted wagons that are bigger, heavier, more expensive, etc - generally all the negatives for someone who cars about vehicle driving dynamics. *Bonus, the "...
by conservativeinvestor
Wed Jul 03, 2019 6:38 am
Forum: Personal Consumer Issues
Topic: 2019 Subaru Forester Eyesight System?
Replies: 101
Views: 6529

Re: 2019 Subaru Forester Eyesight System?

The CX-5 is the only moderately entertaining option on your list. Jett sport wagon and GTI seem like other decent options to consider. My neighbor has 2 dogs and is driving a 2002 BMW 530 wagon which he loves and has had since new. It’s a fairly reliable car much more than the v8 BMWs and they were...
by conservativeinvestor
Wed Jul 03, 2019 5:35 am
Forum: Personal Consumer Issues
Topic: 2019 Subaru Forester Eyesight System?
Replies: 101
Views: 6529

Re: 2019 Subaru Forester Eyesight System?

Find it interesting that so many posting here don't understand why OP would want to disable this feature. I also would as am quite content driving my vehicle without any electronic interventions. These things to me are not features but distractions and something else to break. Auto start/stop bothe...
by conservativeinvestor
Tue Jul 02, 2019 11:18 am
Forum: Personal Consumer Issues
Topic: 2019 Subaru Forester Eyesight System?
Replies: 101
Views: 6529

Re: 2019 Subaru Forester Eyesight System?

Find it interesting that so many posting here don't understand why OP would want to disable this feature. I also would as am quite content driving my vehicle without any electronic interventions. These things to me are not features but distractions and something else to break. Auto start/stop bothe...
by conservativeinvestor
Tue Jul 02, 2019 11:02 am
Forum: Personal Consumer Issues
Topic: 2019 Subaru Forester Eyesight System?
Replies: 101
Views: 6529

Re: 2019 Subaru Forester Eyesight System?

I have a 2019 Outback and the only thing that I turned off was the active lane departure feature. The system was a little too aggressive for me. I still get an occasional beep if the system thinks I'm drifting, but it won't push my wheel to "center" my car. I'm not sure I'm fully understanding how ...
by conservativeinvestor
Tue Jul 02, 2019 10:42 am
Forum: Personal Consumer Issues
Topic: 2019 Subaru Forester Eyesight System?
Replies: 101
Views: 6529

Re: 2019 Subaru Forester Eyesight System?

Find it interesting that so many posting here don't understand why OP would want to disable this feature. I also would as am quite content driving my vehicle without any electronic interventions. These things to me are not features but distractions and something else to break. Auto start/stop bothe...
by conservativeinvestor
Tue Jul 02, 2019 9:35 am
Forum: Personal Consumer Issues
Topic: 2019 Subaru Forester Eyesight System?
Replies: 101
Views: 6529

Re: 2019 Subaru Forester Eyesight System?

Lol I guess I should have expected some of the responses but I enjoy driving, it's fun, a hobby even. I reluctantly gave up stick shifts because the cars I want no longer offer them. I really prefer to shift my own gears, turn my headlights and windshield wipers on or off myself, I want to feel lik...
by conservativeinvestor
Tue Jul 02, 2019 8:38 am
Forum: Personal Consumer Issues
Topic: 2019 Subaru Forester Eyesight System?
Replies: 101
Views: 6529

Re: 2019 Subaru Forester Eyesight System?

Lol I guess I should have expected some of the responses but I enjoy driving, it's fun, a hobby even. I reluctantly gave up stick shifts because the cars I want no longer offer them. I really prefer to shift my own gears, turn my headlights and windshield wipers on or off myself, I want to feel like...
by conservativeinvestor
Tue Jul 02, 2019 8:22 am
Forum: Personal Consumer Issues
Topic: 2019 Subaru Forester Eyesight System?
Replies: 101
Views: 6529

Re: 2019 Subaru Forester Eyesight System?

I've only test driven. I know that if you turn off lane keep assist it will stay off until you turn it back on - don't need to turn it off every time. Unfortunately the same is not true for auto stop start. Blind spot monitoring is not standard on all trims. I completely missed that they also now c...
by conservativeinvestor
Tue Jul 02, 2019 7:38 am
Forum: Personal Consumer Issues
Topic: 2019 Subaru Forester Eyesight System?
Replies: 101
Views: 6529

2019 Subaru Forester Eyesight System?

I'm starting to look at new cars and putting together a list to go do some test drives. One at the top of the list right now is the new 2019 Subaru Forester. It looks like every trim level now comes standard with the eyesight system and I don't really want it but if it isn't too intrusive I don't th...
by conservativeinvestor
Thu Jun 27, 2019 6:59 am
Forum: Personal Consumer Issues
Topic: .
Replies: 88
Views: 5797

Re: Tire Pressure Monitoring System failed: Replace or Ignore?

If your state requires inspection it may not pass if the TPMS light is on. It depends on your state here is the info from Tirerack.com for limited states, check your own state to makes sure. https://www.tirerack.com/tires/tiretech/techpage.jsp?techid=214 Delaware No. Confirmed by the DMV. Hawaii Yes...
by conservativeinvestor
Wed Jun 19, 2019 10:31 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4663
Views: 905867

Re: What's Your Credit Card Rewards Strategy?

I like simplicity so I only have 2 credit cards. A Capital One Visa that earns 1.5% on everything and I use it for everything. I also have other online accounts at Capital One and they are all displayed along with the credit card on one screen which makes managing all the accounts incredibly easy. A...
by conservativeinvestor
Mon May 13, 2019 10:26 am
Forum: Investing - Theory, News & General
Topic: Any conservative young investors?
Replies: 79
Views: 9684

Re: Any conservative young investors?

I started out really conservative in my 20's and bought a lot of government savings bonds (I and EE) and 50/50 allocation in my TSP(401K). I didn't make much money and felt like I didn't want to take any risk of losing any money. In hindsight I wish I had been 100% stocks and putting any extra money...
by conservativeinvestor
Tue Mar 26, 2019 7:12 am
Forum: Personal Consumer Issues
Topic: Screening Buyers of Goods on Craigslist
Replies: 30
Views: 3241

Re: Screening Buyers of Goods on Craigslist

I have had a lot of luck selling items on craigslist. The first thing to do is setup an email account just for selling items online. List your items for sale with a good description of what you are selling and post good pictures. I never give out my phone number in the ad or any personal contact inf...
by conservativeinvestor
Tue Mar 12, 2019 1:56 pm
Forum: Personal Consumer Issues
Topic: Lawn care schedule
Replies: 83
Views: 8773

Re: Lawn care schedule

If you don't mind watching some youtube videos this channel has helped me a lot with my lawn. His new videos are in florida but a lot of the advice given is pretty universal. I've made a huge turn around on my transition zone lawn using some of the advice. Some of the older videos focused on the mid...
by conservativeinvestor
Fri Feb 22, 2019 4:58 pm
Forum: Personal Investments
Topic: Increase TSP (401K) contribution or invest outside?
Replies: 17
Views: 1147

Re: Increase TSP (401K) contribution or invest outside?

I don't think I asked the right question initially. I should have made it more general.

If there were no limits on 401K contributions would there still be an advantage to having other investment accounts? (assuming the 401K had a good choice of investments to choose from)