Search found 99 matches

by BH_RedRan
Fri Nov 27, 2020 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: How do you handle Christmas presents with your spouse?
Replies: 41
Views: 2392

Re: How do you handle Christmas presents with your spouse?

My wife and I are in the same boat as far as just buying what we want during the year. But, we both like to give each other a surprise gift or two at Christmas and usually a couple of traditional ones. During the year I make notes of things my wife took an interest in and save it on my phone. This y...
by BH_RedRan
Mon Nov 16, 2020 8:15 pm
Forum: Personal Consumer Issues
Topic: Ting
Replies: 11
Views: 1139

Re: Ting

Interesting product. I have not used it but I'm familiar with arc-fault issues which I imagine are it's primary reason for being. Did you have to ask State Farm for Ting or did they just offer it up as part of their Home-Owners services? The reason I ask is that I have State Farm too. When it "...
by BH_RedRan
Fri Nov 13, 2020 1:35 pm
Forum: Personal Consumer Issues
Topic: Anyone log into Vanguard web site successfully? [Antivirus software compatibility concerns]
Replies: 66
Views: 4972

Re: Anyone log into Vanguard web site successfully? (11/10/2020)

No problems here the last few days for me. I've been in and out of there a few times the last few days. Used chrome. Speculating: Maybe a regional server thing? I'm in Pac NW.
by BH_RedRan
Wed Nov 11, 2020 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: Next steps after a credit card fraudulent charge?
Replies: 8
Views: 566

Re: Next steps after a credit card fraudulent charge?

Thank you for the feedback. We have had fraudulent charges on other cards over the years and just cancelled the card etc. I was just worried about the possibility that someone out there has a phone in my wife's name. I mean, why would they pay a cell bill with it? Not like it wouldn't be caught and ...
by BH_RedRan
Wed Nov 11, 2020 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Next steps after a credit card fraudulent charge?
Replies: 8
Views: 566

Next steps after a credit card fraudulent charge?

A charge of about $250 to Sprint showed up on my wife's credit card yesterday. In fact the same charge showed up twice in the same day and one was removed somehow without our intervention. We called the cc company and they took care of the remaining false charge and re-issued a new card. Sprint is n...
by BH_RedRan
Sun Oct 25, 2020 7:26 pm
Forum: Personal Consumer Issues
Topic: Torx Screw Ratchet Set
Replies: 56
Views: 2555

Re: Torx Screw Ratchet Set

If you are going to do it, regardless of the above safety warnings, just be aware that there are one or more high voltage capacitors inside that may remain charged for a while after the microwave has been unplugged. In fact, if the safety discharge circuit has failed, it can remain charged for a ver...
by BH_RedRan
Wed Oct 14, 2020 10:29 pm
Forum: Personal Investments
Topic: When do you pay taxes on taxable investments?
Replies: 9
Views: 1237

Re: When do you pay taxes on taxable investments?

So to further the original question; does the basis for reinvested capital gains or dividends get magically calculated and documented by, for example, Vanguard or does the investor need to do work to figure out the basis when selling?
by BH_RedRan
Fri Oct 09, 2020 12:59 pm
Forum: Personal Consumer Issues
Topic: Marketers think I'm elderly. I'm not.
Replies: 47
Views: 4412

Re: Marketers think I'm elderly. I'm not.

Can anyone really "win" a cremation?
by BH_RedRan
Tue Oct 06, 2020 12:21 pm
Forum: Personal Consumer Issues
Topic: Tesla maintenance cost?
Replies: 167
Views: 10203

Re: Tesla maintenance cost?

I've never seen someone burn out in the Tesla's I've seen on the road. I've never been able to burn out in my Model S. I think you have to turn off traction control to do that, which I've never done. It just grips the road like it has claws and takes off. I have had some very small slips if I take ...
by BH_RedRan
Mon Oct 05, 2020 6:10 pm
Forum: Personal Consumer Issues
Topic: Tesla maintenance cost?
Replies: 167
Views: 10203

Re: Tesla maintenance cost?

A single data point: 2016 Model S. In warranty (Cost = $0) Replaced passenger, rear handle in late 2019. Repaired at my home. Repaired a sluggish rear window motor. Window would sometimes stick. Repaired at my home. Replaced the computer/display. Problem happened not too long after warranty ended bu...
by BH_RedRan
Mon Oct 05, 2020 5:51 pm
Forum: Personal Consumer Issues
Topic: Buying a Tesla
Replies: 84
Views: 7610

Re: Buying a Tesla

I fully expected buyer's remorse when we bought our Model S about 5 years ago as I'm usually frugal when it comes to cars. It has not happened yet. Extremely fun car to drive. And with regard to the need for speed, it's not so much the velocity, it's the acceleration that's the fun part! Still makes...
by BH_RedRan
Mon Oct 05, 2020 5:29 pm
Forum: Personal Consumer Issues
Topic: New Hampshire Bogleheads: Tips for surviving a NH winter
Replies: 5
Views: 822

Re: New Hampshire Bogleheads: Tips for surviving a NH winter

I'm not a NH resident but a former "Mainiac". The advice is probably the same though. The best way to survive a NH winter is to be in FL, AZ, CA or maybe even WA or OR during it! Just joking of course. If you like the snow and don't mind the chill, the winter can be a joy in most of New En...
by BH_RedRan
Mon Sep 14, 2020 9:02 am
Forum: Personal Investments
Topic: I’ve got 50K to invest in an ultra aggressive portfolio—seeking growth to 1 Million
Replies: 76
Views: 7703

Re: I’ve got 50K to invest in an ultra aggressive portfolio—seeking growth to 1 Million

Foolproof investment advice on how to make a million dollars: "First, get a million dollars..." (Steve Martin).
by BH_RedRan
Fri Sep 11, 2020 5:22 pm
Forum: Personal Consumer Issues
Topic: What is the single best piece of exercise equipment you bought for your home?
Replies: 248
Views: 16234

Re: What is the single best piece of exercise equipment you bought for your home?

A10 acre piece of land surrounding the house. I (we) get plenty of exercise.
by BH_RedRan
Fri Sep 11, 2020 10:53 am
Forum: Personal Consumer Issues
Topic: Iron in well water
Replies: 14
Views: 1290

Re: Iron in well water

We have iron and the rotten egg smell from the iron bacteria in the unfiltered water. Our filtration system is: Paper sand filter -> Charcoal bed filter -> Water softener -> 1? micron cartridge filter. That takes care of it. The prior owner also had a chlorine injector and a large iron settling tank...
by BH_RedRan
Mon Sep 07, 2020 5:41 am
Forum: Personal Consumer Issues
Topic: Microsoft Flight Simulator 2020
Replies: 67
Views: 6780

Re: Microsoft Flight Simulator 2020

What settings did you use? I'm guessing for the most part Medium or High. Glad you were able to finally get up and running. DSL? Yikes, lol. Yeah. DSL. Rural life's down-side. The flight simulator program did an analysis when I first started the program and set almost every setting to high and I le...
by BH_RedRan
Sat Sep 05, 2020 11:28 am
Forum: Personal Consumer Issues
Topic: Microsoft Flight Simulator 2020
Replies: 67
Views: 6780

Re: Microsoft Flight Simulator 2020

I got the download completed after one restart. It took about 25 hours on my pathetic DSL connection. The graphics are astounding. Clouds are quite nice. The flight dynamics are pretty good so far, mostly. After an hour of flying, I put a high-wing GA plane into a stall on purpose and that did not b...
by BH_RedRan
Thu Sep 03, 2020 8:52 pm
Forum: Personal Consumer Issues
Topic: Microsoft Flight Simulator 2020
Replies: 67
Views: 6780

Re: Microsoft Flight Simulator 2020

Downloading... 15/95 ths done, 15 hours to go I guess.
by BH_RedRan
Thu Sep 03, 2020 4:57 pm
Forum: Personal Consumer Issues
Topic: Microsoft Flight Simulator 2020
Replies: 67
Views: 6780

Re: Microsoft Flight Simulator 2020

Decided to give it a try. Downloading now at 10 Mbps, 93.5 GB to go. Should be able to try it by my next birthday... I have an I7 3.33 GHz, GTX 1070 with 32MB memory. Will get back as far as how well it works on the machine. I saw several complaints that the download / install has given problems wit...
by BH_RedRan
Tue Sep 01, 2020 1:49 pm
Forum: Personal Consumer Issues
Topic: Microsoft Flight Simulator 2020
Replies: 67
Views: 6780

Re: Microsoft Flight Simulator 2020

For those that also have used X-Plane, how does the new Microsoft flight simulator compare with the latest X-Plane?
by BH_RedRan
Fri Aug 28, 2020 10:48 am
Forum: Personal Consumer Issues
Topic: Camera to attach to gutter cleaning apparatus
Replies: 13
Views: 795

Re: Camera to attach to gutter cleaning apparatus

These days such a plan must incorporate the use of a drone, with camera and heads-up-display of course! :)

Seriously though, the mirror idea seems like a winner to me.
by BH_RedRan
Thu Aug 13, 2020 8:27 pm
Forum: Personal Consumer Issues
Topic: Model S P100D or Model 3 performance?
Replies: 23
Views: 1433

Re: Model S P100D or Model 3 performance?

My preference is the Model S. I have driven Model 3's as loaners but own an S. The big difference for me is that the S has a "normal" dashboard where-as the Model 3 has everything on the center console screen. They both are great to drive and I suppose I could get over missing a dashboard ...
by BH_RedRan
Thu Aug 13, 2020 3:43 pm
Forum: Personal Consumer Issues
Topic: Looking for cell phone that is great at being a phone
Replies: 15
Views: 993

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

OP here: My main concern is the transmitter/receiver/antenna functionality. I mentioned the better battery as an "also nice" feature. I have used wifi at home for calls. The call quality varies as I have slow DSL available. I'm also talking about when traveling, at a camp-site with 0/1 bar...
by BH_RedRan
Thu Aug 13, 2020 11:20 am
Forum: Personal Consumer Issues
Topic: Products that last forever
Replies: 239
Views: 16258

Re: Products that last forever

Kubota compact tractor B2410. I maintain it per the user manual but I beat the $##% out of it (I don't baby it). Going on 20 years the only parts I have bought are the safety lights I've broken off with branches etc. May have to replace to hydraulic hoses but only because I think "they must be ...
by BH_RedRan
Thu Aug 13, 2020 11:09 am
Forum: Personal Consumer Issues
Topic: Looking for cell phone that is great at being a phone
Replies: 15
Views: 993

Looking for cell phone that is great at being a phone

So, I've got a smart phone like most people. I talk, I text, I surf, I take pictures, I have some apps. Mostly though I just text and talk. I can do without the other stuff if I can trade it for a phone that is a better, you know, phone. So my technical side thinks that there must be significant com...
by BH_RedRan
Wed Aug 12, 2020 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Helping my nephew out of his rut
Replies: 82
Views: 9001

Re: Helping my nephew out of his rut

For those not lucky enough to have the right skill sets, it is tough out there. Very true. I've been lucky to have been around blue collar and no collar folks my whole lifetime. I've seen many that surpass my own work ethic and energy level and yet they struggle to get ahead. Rags to riches is a ni...
by BH_RedRan
Wed Aug 12, 2020 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Helping my nephew out of his rut
Replies: 82
Views: 9001

Re: Helping my nephew out of his rut

Nephew update I set up a low interest loan to my nephew which has an account that he electronically pays into each month. He has paid off the high interest cards and has cancelled them and he has made his first payment. This will save him thousands and he will be out of debt in a couple of years (vs...
by BH_RedRan
Wed Aug 12, 2020 11:11 am
Forum: Personal Consumer Issues
Topic: Ergonomic keyboard suggestion
Replies: 21
Views: 1002

Re: Ergonomic keyboard suggestion

I found that using a normally organized keyboard with very good key action helped me out with my minor wrist problems. The one I use is one from Unicomp. They produce keyboards based on key actions from the early IBM/PC days. It is not advertised as ergonomic but it is a relief to use vs the usual o...
by BH_RedRan
Tue Aug 11, 2020 4:33 pm
Forum: Personal Consumer Issues
Topic: Retirees: How you spend your time?
Replies: 63
Views: 7665

Re: Retirees: How you spend your time?

My wife and I recently retired (mostly). I have had my own business for a few years and sometimes an interesting project sneaks in past my gate and I'll work on it. My wife works about 1 day a month. So, mostly retired. Certainly in a transition. We talk about the transition and help each other figu...
by BH_RedRan
Tue Aug 11, 2020 3:33 pm
Forum: Personal Consumer Issues
Topic: More fun: drone or RC plane?
Replies: 32
Views: 2151

Re: More fun: drone or RC plane?

I still fly RC planes from time to time. It is still fun but the rebuilding after a crash can be a drag if all you want to do is fly. I have often thought about RC helicopters but they are a bit pricey and tougher to fly. I've tried a small, inexpensive drone with a camera. It wasn't a big thrill to...
by BH_RedRan
Mon Aug 10, 2020 7:19 pm
Forum: Personal Consumer Issues
Topic: What YouTube channels do you watch?
Replies: 56
Views: 5122

Re: What YouTube channels do you watch?

This Old Tony - Funny, interesting informative
Tech Ingredients - Excellent if you like basic science and understanding how things work
LockPickingLawyer - Just for fun
by BH_RedRan
Mon Aug 10, 2020 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: What did you do when you won the game? Edited
Replies: 53
Views: 6724

Re: What did you do when you won the game? Edited

I won the game when I married my wife. What I did when I won the game? Stayed married to my wife.

Oh, you're talking about money. Still staying well within my means. I'm more relaxed and less worried about retirement now. Recently retired.
by BH_RedRan
Wed Aug 05, 2020 7:29 pm
Forum: Personal Consumer Issues
Topic: What expenditures improved your happiness/quality of life?
Replies: 234
Views: 42428

Re: What expenditures improved your happiness/quality of life?

Fun topic! For me: Kubota compact tractor. Has both created and saved a great deal of fun work around the property. Several rescued Labrador Retrievers and mixes over the years. Hours of big-dog entertainment. 1964 Old Town cedar/canvas canoe, now in mid-restoration phase. Should hit the water again...
by BH_RedRan
Wed Aug 05, 2020 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Losing a job in your 50's...
Replies: 587
Views: 92306

Re: Losing a job in your 50's...

I lost my tech job with a mini-corp in my 50s, just a few years ago along with about a dozen other engineers. There were complex reasons for it, not just age or pay although cutting expenses was a big part of it. In years prior the mini-corp had dabbled in all the "cool" CEO projects like ...
by BH_RedRan
Thu Jul 30, 2020 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: "The Steak Dinner Annuity Pitch"
Replies: 114
Views: 12554

Re: "The Steak Dinner Annuity Pitch"

You need to live a in a rich neighborhood. No one knows how much you've got at Vanguard. Ah, that explains why I don't get the invites. I was starting to feel left out. :wink: Where I live you wouldn't think anyone with much money lives for miles around. Fine by me. I did go to a time share pitch o...
by BH_RedRan
Tue Jul 28, 2020 11:22 am
Forum: Personal Consumer Issues
Topic: How do HD OTA Antennas work?
Replies: 60
Views: 5853

Re: How do HD OTA Antennas work?

Agree with other posters. "HD Antenna" is mainly a marketing thing. Most decent quality UHF/VHF antennas work fine as long as you are in range of transmitters. Mine is in the attic because I don't like the aluminum art and it works fine for my situation. I use a Tablo OTA DVR device. It al...
by BH_RedRan
Sun Jul 26, 2020 3:41 pm
Forum: Personal Consumer Issues
Topic: Family expanding - Time for a 3 row SUV
Replies: 69
Views: 3986

Re: Family expanding - Time for a 3 row SUV

We own a 2019 Ascent and like it. We recently added a trailer hitch/electrical hookup and it does a great job hauling a small camping trailer (2000Lb) even through mountain passes. Things we like are: Comfortable. The turbo provides plenty of get up and go. The optional leg supporting seat for drive...
by BH_RedRan
Tue Jul 21, 2020 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Lease to own tax question
Replies: 7
Views: 494

Re: Lease to own tax question

Is a 22 year old going to see this though to the end? If not, he will end up with nothing. This is a good point and also true that the owner could take advantage. This nephew? Yes, I think he would see it through. He really has his legs under him. However, after getting our ducks in a row, my sibli...
by BH_RedRan
Tue Jul 21, 2020 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Lease to own tax question
Replies: 7
Views: 494

Re: Lease to own tax question

One problem I have is that I have no idea how to find the answer to this. I will be getting a copy of the agreement to look over but my tax-guy that would know the answer has retired. His replacement couldn't answer more basic questions so I don't have much hope there. Tracking down my guy in retire...
by BH_RedRan
Mon Jul 20, 2020 10:50 pm
Forum: Personal Finance (Not Investing)
Topic: Lease to own tax question
Replies: 7
Views: 494

Lease to own tax question

I have a nephew that, for the lack of a better term, inherited a lease-to-own arrangement for the house he and his mother were living in when his mother recently died. He is 22 years old. (For anyone following along, this is a different nephew than my other thread.) The current owner of the house is...
by BH_RedRan
Mon Jul 20, 2020 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: Helping my nephew out of his rut
Replies: 82
Views: 9001

Re: Helping my nephew out of his rut

Making some progress already. After some talks with him, my nephew found a much lower interest personal loan to consolidate the credit card debt. The cc debt was actually closer to 24%, not 18%. (That's loan shark territory in my opinion, but not all that uncommon I guess. No wonder he got discourag...
by BH_RedRan
Sun Jul 19, 2020 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Deciding whether to retire - it's difficult!
Replies: 77
Views: 9458

Re: Deciding whether to retire - it's difficult!

For me, in a very similar situation as OP it took about 6 months from the "hey, I can I retire, why didn't I think of this before?" to "I'm retiring, I don't like working all that much". I pulled the trigger (almost) and convinced my wife to do the same (ages 58/60 Yrs). It took ...
by BH_RedRan
Mon Jul 13, 2020 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Helping my nephew out of his rut
Replies: 82
Views: 9001

Re: Helping my nephew out of his rut

Thank you for the encouragement. The loan amount to many on this forum, including myself, is probably something that one could just write a check and be done with. To a young, low income person, it can seem insurmountable. He also has a car loan of $9K with a fairly reasonable interest rate. Public ...
by BH_RedRan
Mon Jul 13, 2020 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Helping my nephew out of his rut
Replies: 82
Views: 9001

Re: Helping my nephew out of his rut

I am absolutely certain there are no substance issues with this nephew (unless you count video games, which maybe I should). I think it is more a lack of life skills, possibly some arrested development and some lack of motivation. This is day one and he has already responded positively and taken fir...
by BH_RedRan
Mon Jul 13, 2020 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Helping my nephew out of his rut
Replies: 82
Views: 9001

Re: Helping my nephew out of his rut

I do think a life reset is needed too. I think I will help him win a couple of quick short-term battles and then see if he can stay motivated to take on more. I think taking up a trade is probably a path that fits him best but he will need to see that too, otherwise it won't happen. Thank you for th...
by BH_RedRan
Mon Jul 13, 2020 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Helping my nephew out of his rut
Replies: 82
Views: 9001

Re: Helping my nephew out of his rut

As a matter of fact, counseling in the longer term is something I was planning on talking to him about. His work will actually cover a small portion of that. I view that as part of the sailboat he can build for his future. In the very short term he needs a way to quickly get himself out of the shark...
by BH_RedRan
Mon Jul 13, 2020 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Helping my nephew out of his rut
Replies: 82
Views: 9001

Helping my nephew out of his rut

I have a nephew in his mid 20s that needs some guidance. He recently lost his mother (my sister) after her long battle with cancer. His father is not in the picture and/or fairly useless. I feel like I need to try to help him. My nephew has built up about $10K in high interest (~18%) debt spread ove...
by BH_RedRan
Thu Jun 25, 2020 10:40 pm
Forum: Personal Consumer Issues
Topic: tesla Autopilot temp price drop from $3k -> $2k, worth it?
Replies: 10
Views: 1359

Re: tesla Autopilot temp price drop from $3k -> $2k, worth it?

Yes. The basic AP on the Model S is about the best I've experienced. My wife and I use it all the time in traffic, long drives, highways in general. Also have it on a Subaru Ascent but it is not as refined as the Tesla's. Wife has deemed it a "must have" on any new cars now.
by BH_RedRan
Tue Jun 23, 2020 3:24 pm
Forum: Personal Consumer Issues
Topic: Do you use TRIZ? [Problem solving tool for engineers]
Replies: 9
Views: 879

Re: Do you use TRIZ?

I have a similar take on TRIZ. Years ago, the president of a company I worked for sent a couple of us off to a seminar on TRIZ. It was interesting and I did take home some ideas and met a couple of good contacts in a related field but I wouldn't say that using TRIZ concepts spawned any new invention...
by BH_RedRan
Sun Jun 07, 2020 6:02 pm
Forum: Personal Consumer Issues
Topic: Car battery question
Replies: 43
Views: 2731

Re: Car battery question

Good point. I'll give my charger a go too. I really just want to be confident in my battery. If conditioning it with a charger does it then I'm happy. I'm hoping that they come out with a FW update that does not keep many systems powered up forever with the lift gate open. Has Subaru not heard of &q...