Search found 174 matches

by bikesandbeers
Tue Aug 04, 2020 3:40 pm
Forum: Personal Consumer Issues
Topic: Cordless String Trimmer - 40V? 18V? 4Ah? 2.5Ah?
Replies: 33
Views: 1364

Re: Cordless String Trimmer - 40V? 18V? 4Ah? 2.5Ah?

I have a Makita 36v (18x2) string trimmer and it is leaps and bounds above an 18v Ryobi, almost gas power. I imagine the ryobi 40v would be better if you have heavy weeding. The the 36v makita I can get throuh g a whole 1/4 acre lot on one charge. Ego makes nice stuff as well, but interchangeable ba...
by bikesandbeers
Tue Aug 04, 2020 12:14 pm
Forum: Investing - Theory, News & General
Topic: What happens if you run out of money in retirement?
Replies: 109
Views: 8942

Re: What happens if you run out of money in retirement?

The idea of being healthy enough for a full time job at 85 is a fantasy. When I was in High school, there was a elderly gentleman who worked at the Taco Bell that we hung out at after class. He must have been in his late 70s or early 80's. He used hearing aids, and had a stool he could lean on at t...
by bikesandbeers
Tue Aug 04, 2020 6:14 am
Forum: Personal Consumer Issues
Topic: A dumb vehicle trade-in scenario?
Replies: 33
Views: 2124

Re: A dumb vehicle trade-in scenario?

Another voice for the the Carmax or similar sales idea, although perhaps the Hertz bankruptcy is going to start driving down used car prices soon. I am not sure how a conventional dealer would react to someone trading in a more expensive car. If have you limited credit, you might try to make sure yo...
by bikesandbeers
Mon Aug 03, 2020 11:40 pm
Forum: Personal Consumer Issues
Topic: Passenger van advice
Replies: 11
Views: 710

Re: Passenger van advice

SuperShuttle and other airport ride providers are going out of business. There should be a good supply of used passenger vans, although his may be balanced out by the folks buying old vans to live #vanlife. However they often buy cargo vans, not passenger vans. Also look for gov't fleet auctions. Di...
by bikesandbeers
Mon Aug 03, 2020 10:38 pm
Forum: Personal Consumer Issues
Topic: Planning for a future "gap year" with children
Replies: 10
Views: 1173

Re: Planning for a future "gap year" with children

There are probably other forums with more advice from families that have done round-the world, although I supposed you might get different advice form the folks who max out their retirement every year than those posting under #vanlife. My family did an 8 week cross-country road trip in a station wag...
by bikesandbeers
Sat Aug 01, 2020 1:08 am
Forum: Personal Consumer Issues
Topic: Suggestions for Women's light-weight bike
Replies: 19
Views: 1009

Re: Suggestions for Women's light-weight bike

Local bike shop is the best place to start, although I think they will be hard pressed to find what you are looking for. Under 25 pounds on something that isn't a carbon road bike is going to be hard. Even more so given the stock issues right now. A quick look at REI (one of the few places that seem...
by bikesandbeers
Mon Jul 27, 2020 11:27 pm
Forum: Personal Consumer Issues
Topic: subaru outback limited or audi 4 quattro?
Replies: 43
Views: 2997

Re: subaru outback limited or audi 4 quattro?

A owned an A4 wagon a decade ago and at that time there wasn't much difference in price on the used market between the Audi and the Subaru wagons I was cross-shopping, I ended up going with the Audi, and found a good independent mechanic who was cheaper than the dealer. I didn't have any issues that...
by bikesandbeers
Mon Jul 27, 2020 11:13 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage refinance - locked and want to change my mind. Is it possible?
Replies: 3
Views: 653

Re: Mortgage refinance - locked and want to change my mind. Is it possible?

I cross-shopped both Loan Depot and Aimloan. You can cancel with LoanDepot and the only thing you will lose is the credit report cost. They will call you and try to win your business, but I found them a bit pushy.

Aimloan was slow, but we completed fine.
by bikesandbeers
Mon Jul 27, 2020 11:11 pm
Forum: Personal Finance (Not Investing)
Topic: We are planning a lifestyle move to a new city in five years and would like to get your take.
Replies: 30
Views: 3515

Re: We are planning a lifestyle move to a new city in five years and would like to get your take.

I I like the general concept and I like San Diego. Obviously the closer you get to the coast, the more expensive it is, but tax rates aren't going to change much city to city. Finding a neighborhood that you like is going to be a balance between what can of amenities you are looking for and what kin...
by bikesandbeers
Sun Jul 26, 2020 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Getting homeowner's insurance for new house - they want a copy of inspection report
Replies: 21
Views: 1706

Re: Getting homeowner's insurance for new house - they want a copy of inspection report

I have never seen a request for the inspection report but I could see it saving time if they let you bypass filling out forms saying number of rooms number of Windows Etc. When I was updating my insurance after finishing a remodel project, the insurance company did request our contractor sign a form...
by bikesandbeers
Sun Jul 26, 2020 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Getting homeowner's insurance for new house - they want a copy of inspection report
Replies: 21
Views: 1706

Re: Getting homeowner's insurance for new house - they want a copy of inspection report

I have never seen a request for the inspection report but I could see it saving time if they let you bypass filling out forms saying number of rooms number of Windows Etc. When I was updating my insurance after finishing a remodel project, the insurance company did request our contractor sign a form...
by bikesandbeers
Fri Jul 24, 2020 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: struggling to get a mortgage
Replies: 85
Views: 7305

Re: struggling to get a mortgage

my big issue is i don't want to wait 2-3 years. i will not wait 2-3 years. if i have to get hard money or come up with other creative financing i will. i just prefer favorable rates. If you have a significant amount of asset or cash at any bank (i.e. private banking) most likely they will make exce...
by bikesandbeers
Sun Jul 19, 2020 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Unexpectedly taking on parents' debt: pay it all or?
Replies: 33
Views: 4122

Re: Unexpectedly taking on parents' debt: pay it all or?

You are a good son. I Like #2 as well. pay down a chunk of the debt and then start making monthly payments while your parents look for work. make it clear to them you need to ensure your own financial future and that you'd like them to pay off the rest on their won/fund their own retirement, to the ...
by bikesandbeers
Wed Jul 15, 2020 6:02 pm
Forum: Personal Consumer Issues
Topic: Solar Panel Decision
Replies: 14
Views: 1089

Re: Solar Panel Decision

I am not familiar with Massachusetts rules but definitely check on overproduction and how things net out. Although 2.80 a watt seems reasonable, I an tell you that the whole sale cost of panels is around .50 a watt, I would not be suprised to see Tesla offering under $2 a watt.
by bikesandbeers
Wed Jul 15, 2020 2:47 pm
Forum: Personal Consumer Issues
Topic: Solar Panel Decision
Replies: 14
Views: 1089

Re: Solar Panel Decision

Depending on the car, electric vehicles get between 3-and miles per KWH, so if you get an EV and drive 10,000 miles per year, you are looking at an additional 2500-300 KWH/year. MA does have a vehicle rebate in addition to the federal tax credit. $2.80-$2.90/watt is right around average I think. LG ...
by bikesandbeers
Tue Jul 14, 2020 9:52 pm
Forum: Personal Consumer Issues
Topic: Old toilet(1.6 GPF) vs new toilet(1.28 GPF)
Replies: 38
Views: 2468

Re: Old toilet(1.6 GPF) vs new toilet(1.28 GPF)

We have dual flush Kholers, 1.6 for a full flush, 1.1 on the liquids only flush. Never had a probelm with them.
by bikesandbeers
Tue Jul 14, 2020 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Helping our Adult Child Buy a Home
Replies: 72
Views: 5623

Re: Helping our Adult Child Buy a Home

My granparents helped my parents, my parents helped me, but that was on order of 50k worth of downpayment, not 50k per year or half of a 1.5 million home.

Whatever you do they need to be able to make reasonable monthly payments.
by bikesandbeers
Tue Jul 14, 2020 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Commercial mortgage brokers vs banks
Replies: 2
Views: 154

Re: Commercial mortgage brokers vs banks

just because the banks have a different internal fee structure, doesn't mean they are going to pass any savings on to the consumer. Or they offer "relationship discounts" to try and get you to Note that there are online direct lenders such as Aimloan, LoanDepot, Lenderfi. These are not brokers, but ...
by bikesandbeers
Tue Jul 14, 2020 12:24 am
Forum: Personal Investments
Topic: Old employer's 401k - okay to leave or too expensive?
Replies: 12
Views: 1072

Re: Old employer's 401k - okay to leave or too expensive?

.39 isnt terrible, but therenis no reason i can think of not to roll it into your current plan, or an IRA. Depending on your income an expected future eranings, you could consider a roth conversion.
by bikesandbeers
Mon Jul 13, 2020 7:17 pm
Forum: Personal Investments
Topic: American Equity indexed annuity -- continue for future payments?
Replies: 12
Views: 497

Re: American Equity -- continue for future payments?

What is the age or expected liftime policy holder? 206 a month is 2,472 a year, so in the 5 years you are giving up, you are foregoing about 12,400 income. To catch up to the total pay out at 321 a month, they would need to live another 10 years after payments start. If you think they are going to l...
by bikesandbeers
Sat Jul 11, 2020 7:45 am
Forum: Personal Finance (Not Investing)
Topic: Convenience Fee For Mortgage Payment?
Replies: 22
Views: 1919

Re: Convenience Fee For Mortgage Payment?

I am in CA and the mortgage service changes a fee to make payments by phone, and a different fee to make one-time online payment although these would seem to fall under the "change a fee that represents actually costs" My auto pay has been set up for an ACH on the first of the month for years. I don...
by bikesandbeers
Sat Jul 11, 2020 7:30 am
Forum: Personal Finance (Not Investing)
Topic: Family Member Approached by Solar Company to Lease Land for Solar Panels
Replies: 18
Views: 1709

Re: Family Member Approached by Solar Company to Lease Land for Solar Panels

I wonder if there is some public database showing who is leasing their farm land and for how much? might be a reason why this property was target. Could also be for accessibility to existing utility infrastructure. Any chance to run sheep around the panels? Find a good real estate lawyer with energy...
by bikesandbeers
Fri Jul 10, 2020 11:40 pm
Forum: Personal Finance (Not Investing)
Topic: Claimimg plug-in electric vehicle tax credit
Replies: 20
Views: 1402

Re: Claimimg plug-in electric vehicle tax credit

No limit on federal. CA is a cash rebate and not a tax credit, but they do verify income with a 4056t.
by bikesandbeers
Fri Jul 10, 2020 4:28 pm
Forum: Personal Consumer Issues
Topic: At crossroads with 2003 Ford Ranger
Replies: 15
Views: 876

Re: At crossroads with 2003 Ford Ranger

Repair it I had an 88 ranger that last until 2007 with 220K miles, when it started to have transmission issues We recently parted ways with a 2006 Ranger with 156K the A/C was broken, but it was otherwise running fine, we just didn't need it anymore. The new Rangers are far too big and expensive. Ol...
by bikesandbeers
Fri Jul 10, 2020 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Pay extra principal on house you do not plan on staying in?
Replies: 19
Views: 1667

Re: Pay extra principal on house you do not plan on staying in?

Lots of payoff vs invest threads here.

You will get that principal back when you sell, and pay a little bit less in interest. That is a slightly better return than youd get on a hond fund right now.
by bikesandbeers
Thu Jul 09, 2020 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Checking in at a hotel with a credit card
Replies: 9
Views: 1252

Re: Checking in at a hotel with a credit card

For work travel we have a company travel coordinator and often the rooms are booked on her company card. The room can be charged to that card but they normally still want a physical card at check-in for incidentals ore deposits sake. I imagine most big hotels would be able to do the same with indivi...
by bikesandbeers
Thu Jul 09, 2020 9:09 pm
Forum: Personal Investments
Topic: Any Commercial Landlords Out There? Questions Abt Non-Paying NNN Tenant
Replies: 28
Views: 2481

Re: Any Commercial Landlords Out There? Questions Abt Non-Paying NNN Tenant

IANAL , but the fruad angle angainst the broker would probably be tough. But yes she needs a good really estate attorney to deal with the tennant, and maybe if the deal looks really, really bad there is something to be done with the broker.
by bikesandbeers
Thu Jul 09, 2020 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Sanity Check 3 points about Lay Off
Replies: 19
Views: 1689

Re: Sanity Check 3 points about Lay Off

Sounds like you in in great shape for a layoff. Put as much as you can into the 401k This is going to sound like market timming, but wouldn't invest any cash unless the market suffers a major drop AND you are feeling good about your job hunt. Otherwise the flexibleity that you get from cash is param...
by bikesandbeers
Wed Jul 08, 2020 1:25 am
Forum: Personal Consumer Issues
Topic: Truck Rental Alternative Vendors?
Replies: 7
Views: 570

Re: Truck Rental Alternative Vendors?

I have had the exact opposite experience with U-Haul and Penske. U haul-Terrible didn't have the truck they said they would, refused to help find me one. Penske had a bunch of trucks ready to go. Prices seemed comparable, although of course you can run into odd demand issues.

.
by bikesandbeers
Wed Jul 08, 2020 12:01 am
Forum: Personal Consumer Issues
Topic: Truck Rental Alternative Vendors?
Replies: 7
Views: 570

Re: Truck Rental Alternative Vendors?

ABF offers shared trucks by the foot, as well as the pack and ship containers. if you have a nearby depot, you can bring your stuff to the depot (using a local rental truck) and (potentially) save a whole bunch of money.
by bikesandbeers
Tue Jul 07, 2020 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance w/ CrossCountry Mortgage
Replies: 11
Views: 685

Re: Refinance w/ CrossCountry Mortgage

Dovenmuhel is a big servicer. They did my last loan from an internet lender and my parent's credit union loan.

Their website wasnt great, but once i had an autodebit set up, i had no issues.
by bikesandbeers
Fri Jul 03, 2020 10:02 am
Forum: Personal Consumer Issues
Topic: Tesla Solar Roof - Any Installs? Consults?
Replies: 9
Views: 1215

Re: Tesla Solar Roof - Any Installs? Consults?

If your tennants have seperate meters/bills right now, you need to check, how you can allocate power to them. Virtual Net Metering has taken years to get going in california, and most contractors still don't know how to set it up right. Whwn mybparents were renting out their SFH with solar, the just...
by bikesandbeers
Thu Jul 02, 2020 9:55 pm
Forum: Personal Consumer Issues
Topic: Need home printer suggestions
Replies: 29
Views: 1432

Re: Need home printer suggestions

Another vote for brother laser, although Ive mostly has BW ones. Hp colr laser is nice, although ton er gets expensive. Still much lower cost than the ink subscription.
by bikesandbeers
Thu Jul 02, 2020 12:28 pm
Forum: Personal Consumer Issues
Topic: How do HD OTA Antennas work?
Replies: 60
Views: 5534

Re: How do HD OTA Antennas work?

Inside the attic seems to work OK for us. But on the wall behind the TV could only get us 1 channel for a few minutes at a time. On a roof i get 50+OTA channels.
by bikesandbeers
Thu Jul 02, 2020 10:58 am
Forum: Personal Investments
Topic: Checking my mortgage vs bond understanding
Replies: 39
Views: 1450

Re: Checking my mortgage vs bond understanding

I always find the "negative bond" thinking confusing, but if it works for you you can call it whatever you want. If you already hold some bonds for re-balancing purposes you can get a better return for you money paying down the mortgage The math above looks correct to me. Besides the risk with lack ...
by bikesandbeers
Wed Jul 01, 2020 9:33 pm
Forum: Personal Consumer Issues
Topic: Purchasing Major Appliances from Costco
Replies: 49
Views: 17564

Re: Purchasing Major Appliances from Costco

My costco GE dishwasher was a similar price as Home Depot, but as others a have mentioned free delivery, install hual of the old one. Timley delivery, and no extra parts needed. Havent needed service in 4 years. I did have some Costco furniture that got lost for a month but it was found eventually. ...
by bikesandbeers
Wed Jul 01, 2020 7:56 pm
Forum: Personal Consumer Issues
Topic: iPhone 7 battery not staying charged full day....
Replies: 27
Views: 1461

Re: iPhone 7 battery not staying charged full day....

My wife still loves her iphone 7, but works a desk job where she can charge in the middlenof the day. That is, if she actually went into the office. If you like the phone, a battery replacement sounds is reasonable, even if it is a high percentage of the value of the phone. The battery cases are ok,...
by bikesandbeers
Wed Jul 01, 2020 7:38 pm
Forum: Personal Consumer Issues
Topic: iPhone 7 battery not staying charged full day....
Replies: 27
Views: 1461

Re: iPhone 7 battery not staying charged full day....

My wife still loves her iphone 7, but works a desk job where she can charge in the middlenof the day. That is, if she actually went into the office. If you like the phone, a battery replacement sounds is reasonable, even if it is a high percentage of the value of the phone. The battery cases are ok,...
by bikesandbeers
Wed Jul 01, 2020 6:57 pm
Forum: Personal Consumer Issues
Topic: Lithium Ion Battery for Golf Cart
Replies: 8
Views: 600

Re: Lithium Ion Battery for Golf Cart

I have no special knowledge of golf carts but am an electric vehicle guy. The higher expense of lithium ion is more than made up with the increased logevity and better peformance of the batteies. The only question is does if there is a factory warrenty. It sounds like the dealer doesnt know lithium ...
by bikesandbeers
Wed Jul 01, 2020 12:30 am
Forum: Personal Finance (Not Investing)
Topic: Sanity Check: Career Gap Year
Replies: 40
Views: 2484

Re: Sanity Check: Career Gap Year

I know someone with 4 kids who quit practicing law to go to med school at age 40 I also someone who took a gap year after their medical residence, or more like a honey moon as new wife was also a new doctor. Give current ravel restrictions and the fact the the 1-3 year old won't really benefit form ...
by bikesandbeers
Tue Jun 30, 2020 8:44 pm
Forum: Personal Consumer Issues
Topic: LG refrigerator not cooling--dump it and rebuy?
Replies: 48
Views: 3336

Re: LG refrigerator not cooling--dump it and rebuy?

In my extended family we've had two lg french doors need new compressors within 5 years of purchase. Covered under warranty at least. My parenents have an early 1990s Kenmore going strong. My gradparents had the same GE unit from the late 1950s until 1995. Still worked, but couldnt keep Ice cream sa...
by bikesandbeers
Tue Jun 30, 2020 6:28 pm
Forum: Personal Consumer Issues
Topic: Seeking input on type of family car to purchase and whether to buy new or used
Replies: 37
Views: 1517

Re: Seeking input on type of family car to purchase and whether to buy new or used

I love my minivan, but I think kids are fine in sedans if only in front facing or booster seats. A 2-3 year old Camry or Accord is a great family car. You can get a roofrack for camping or roadtrips. Ford Fusion or Cmax plug-in hybrids could be interesting Subaru wagons are great, too but they dont ...
by bikesandbeers
Mon Jun 29, 2020 3:49 pm
Forum: Personal Consumer Issues
Topic: Cost of Adding a Sprinkler Head to an Existing Zone
Replies: 9
Views: 910

Re: Cost of Adding a Sprinkler Head to an Existing Zone

I paid $20 a head to replace 16 heads, parts and labor, including new flexible risers.
$100-$200 seems reasonable depending on how much digging is required.
If you have a regular lawn guy maybe he'd do it for under $100
by bikesandbeers
Mon Jun 29, 2020 3:31 pm
Forum: Personal Investments
Topic: Ready for (forced) early retirement?
Replies: 40
Views: 4820

Re: Ready for (forced) early retirement?

Your portfolio balance looks great. Given your conservative AA, You might think about some part time work to deal with the longevity risk. Depending on your exact IT background, I feel like there could be some interesting remote/part time opportunities or consulting. As other have noted, healthcare ...
by bikesandbeers
Mon Jun 29, 2020 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Pay off car loan?
Replies: 10
Views: 1000

Re: Pay off car loan?

4.24% is pretty high. Obviously you didn't care if the plan was to pay it off quickly. If you have/are investing in any bonds with your 80K a year savings rate, just pay off the car. Given economic uncertainty it would be nice to get rid of the mandatory monthly payment and you get a guaranteed retu...
by bikesandbeers
Mon Jun 29, 2020 12:01 am
Forum: Personal Consumer Issues
Topic: Heat pump/ac using 4 kWh - how do I fix this?
Replies: 50
Views: 1982

Re: Heat pump/ac using 4 kWh - how do I fix this?

My 16 seer, 4 year old system pulls around 5kw when running at full tilt. I am slighty jealous how low some of your price kwh is, however i live in coastal area an only need to use it for 2 months of the year. Solar is getting really cheap though. Even if your utility doesn't offer net metering, you...
by bikesandbeers
Sat Jun 27, 2020 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Home Refinance Y/N?
Replies: 7
Views: 564

Re: Home Refinance Y/N?

Yes visit the mega thread. I haven't kept up, but anything around 3% for a 30 years is good. The fees seems reasonable, but it is always worth shopping around. You'll save more than $1000 a year on interest
by bikesandbeers
Sat Jun 27, 2020 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Close Wells Fargo Savings Account?
Replies: 14
Views: 961

Re: Close Wells Fargo Savings Account?

The main reason to keep it open would be overdraft protection. I dont know what the chance is that you overdraft your wells fargo check by $299, but it could save you an overdraft fees. I also think i was suposed to have a second account to keep free checking, however that policy might have gone awa...
by bikesandbeers
Sat Jun 27, 2020 8:10 am
Forum: Personal Investments
Topic: How to hold US Dollars without any credit risk?
Replies: 30
Views: 1581

Re: How to hold US Dollars without any credit risk?

in terms of systemic risk, i would be more worried about runaway inflation vs having the FDIC go under. However, if you want to hold lots of cash and don't trust the FDIC or NCUA, it seems like diversifying could make sense. I think the FDIC did well in 2008-20009, but i think there were some banks ...
by bikesandbeers
Sat Jun 27, 2020 12:11 am
Forum: Personal Consumer Issues
Topic: DVR for OTA TV
Replies: 53
Views: 2933

Re: DVR for OTA TV

I have a FireTV recast. The tivo is much beter as a set top box. However if you want to stream recordings to multiple devices, including tablet, the recast works well.