Search found 379 matches

by ballons
Fri Aug 07, 2020 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Compare the state tax across states - California, Florida
Replies: 41
Views: 3266

Re: Compare the state tax across states - California, Florida

fareastwarriors wrote:
Wed Aug 05, 2020 3:58 pm
Why do people move for tax reasons in their retirement?
Politics, politics, and politics.
by ballons
Thu Aug 06, 2020 11:37 pm
Forum: Personal Consumer Issues
Topic: Ding in stainless steel Refrigerator door
Replies: 16
Views: 1288

Re: Ding in stainless steel Refrigerator door

Put a fridge magnet over it and move on.
by ballons
Tue Aug 04, 2020 8:58 pm
Forum: Personal Consumer Issues
Topic: Passenger van advice
Replies: 11
Views: 723

Re: Passenger van advice

I would rent a full size passenger van in both configurations (SWB and LWB) first to make sure this is what you want. You may not like how big it is for day to day travel. I would imagine the insurance rates are higher for those as well. You can always get two $10K minivans since you said your budge...
by ballons
Tue Aug 04, 2020 6:17 pm
Forum: Personal Consumer Issues
Topic: Cookware (frying pan) for a glass cooktop?
Replies: 24
Views: 1330

Re: Cookware (frying pan) for a glass cooktop?

If you want perfect non-stick stainless, just use spray oil like PAM. Use Bar Keepers Friend for deep cleaning.

If you are going all-clad, call or email them the question about depths. They should be able to tell you exactly which one fits your needs.
by ballons
Tue Aug 04, 2020 5:57 pm
Forum: Personal Consumer Issues
Topic: Speed up old computer
Replies: 61
Views: 2979

Re: Speed up old computer

I'd be surprised if an SSD did anything for internet speed. The concern is boot up speed and running programs. SSD will be like night and day. Programs will load faster but not operate much faster. You said you only do web browsing and watching video. I would suggest Ubuntu (Xubuntu/Lubuntu will be...
by ballons
Tue Aug 04, 2020 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Custom Home Thoughts
Replies: 102
Views: 7089

Re: Custom Home Thoughts

By the time it's done and ready to move in (say 2 years) you will be on the verge of downsizing with the kids near leaving the nest. Of course if you and your spouse haven't been good parents the kids won't leave and may even add to the household with spouses, grandkids, etc. If that happens a "com...
by ballons
Tue Aug 04, 2020 5:39 pm
Forum: Personal Consumer Issues
Topic: Does a couple really "need" an SUV?
Replies: 222
Views: 11066

Re: Does a couple really "need" an SUV?

Didn't read the long discussion, but I'll weigh in anyway. Most people don't need SUV's or trucks. I'm convinced that over-paying for vehicles is a major obstacle for most Americans to building wealth. SUV's and trucks (and yes, also sports cars) make the problem worse, due to their high up-front a...
by ballons
Tue Aug 04, 2020 5:11 pm
Forum: Personal Consumer Issues
Topic: Does a couple really "need" an SUV?
Replies: 222
Views: 11066

Re: Does a couple really "need" an SUV?

You can fit an awful lot of mulch in a Honda Fit. With the "magic seat" in the back that can fold all the way flat or fold up, I can fit just about anything, even a fully-assembled bike. If I'm carrying something long, the front seat folds all the way down with the headrest removed. A few weeks ago...
by ballons
Tue Aug 04, 2020 5:03 pm
Forum: Personal Consumer Issues
Topic: Average gas mileage- how accurate?
Replies: 35
Views: 1674

Re: Average gas mileage- how accurate?

I've never seen an average gas mileage. I have: Range to empty Current MPG Historical MPG between trips (engine on to off). All of these are very accurate. I go one step further by setting Trip A every fill up but I never write it down. Quick math of tank size and trip A tells me how much I have lef...
by ballons
Sun Aug 02, 2020 5:25 pm
Forum: Personal Consumer Issues
Topic: Does a couple really "need" an SUV?
Replies: 222
Views: 11066

Re: Does a couple really "need" an SUV?

Americans are physically getting larger + those with disposable cash that can afford cars, are getting older = everything is an SUV. My benchmark for an SUV (and trucks) is hauling a 4x8 piece of plywood. Vast majority fail this simple test. The "utility" in SUV is gone. Minivans have more utility t...
by ballons
Sun Aug 02, 2020 4:30 pm
Forum: Personal Consumer Issues
Topic: Financially independent, now what?
Replies: 9
Views: 1142

Re: Financially independent, now what?

At one point I got married and did the family thing with one son, then son died, wife blamed me and then left. #1-- invest in yourself. I would suggest therapy to deal with the above before you retire with an idle mind. At least talk to someone that isn't online. At minimum I would switch your work...
by ballons
Sat Aug 01, 2020 4:56 pm
Forum: Personal Consumer Issues
Topic: Middle of Nowhere Retirement
Replies: 104
Views: 11427

Re: Middle of Nowhere Retirement

When you read through this there tends to be a big gap between a) living in small town america. Sure you might have to drive an hour, but you are still pretty close to most of civilization. You can probably even get decent internet b) living in the middle of nowhere. An hour drive gets you close to...
by ballons
Fri Jul 31, 2020 8:23 pm
Forum: Personal Consumer Issues
Topic: Land in Dahlonega, Georgia
Replies: 29
Views: 2147

Re: Land in Dahlonega, Georgia

Brandon4454 wrote:
Fri Jul 31, 2020 6:15 pm
My girlfriend also would like to put some money into it as she would live there to, but shes concentrated on paying off student loans for the next couple of years.
25 years is a long time for things to change in not the direction you plan.
by ballons
Fri Jul 31, 2020 8:03 pm
Forum: Personal Consumer Issues
Topic: Wasp nest
Replies: 90
Views: 4377

Re: Wasp nest

michaeljc70 wrote:
Fri Jul 31, 2020 4:23 pm
I just came back from the store and it seems all the wasp/yellowjacket sprays warn against using it on evergreens.
Neem oil, sevin dust (they sell a liquid), or diatomaceous earth.

https://ask.extension.org/questions/261229
by ballons
Fri Jul 31, 2020 4:07 pm
Forum: Personal Consumer Issues
Topic: First time getting bifocals - online or retail?
Replies: 24
Views: 1196

Re: First time getting bifocals - online or retail?

"I currently only use OTC readers."

Without a current frame to measure since you don't wear glasses, there is a chance you may not like what online places provide. No-line bifocals makes it even more difficult. I would get your first pair done locally.

IIRC, Zenni has a 50% restocking fee.
by ballons
Fri Jul 31, 2020 3:47 pm
Forum: Personal Consumer Issues
Topic: Replacing appliances--buy dumb
Replies: 53
Views: 4233

Re: Replacing appliances--buy dumb

And then you have the problem of things like computer control boards going out, and a manufacturer now has to have a control board in everything in order to meet the stringent environmental requirements. So the consumer will spend hundreds of dollars extra in repairs and hundreds more for a unit al...
by ballons
Fri Jul 31, 2020 3:28 pm
Forum: Personal Consumer Issues
Topic: Replacing appliances--buy dumb
Replies: 53
Views: 4233

Re: Replacing appliances--buy dumb

Has there ever been a time when somebody said their newly-purchased appliance was better than anything they had before? It rarely seems that way around these parts. "The lawnmower I'll buy in 2035 is worse than the one I just bought in 2020." :P A lot of appliances can't physically be improved anym...
by ballons
Thu Jul 30, 2020 10:00 pm
Forum: Personal Consumer Issues
Topic: Replacing appliances--buy dumb
Replies: 53
Views: 4233

Re: Replacing appliances--buy dumb

They wanted "dumb" but skipped of all of them and bought an expensive LG. They sold it for $40. :oops:

This guy ended up paying $1168 for a used washing machine.
by ballons
Thu Jul 30, 2020 6:16 pm
Forum: Personal Consumer Issues
Topic: Chest Freezers
Replies: 14
Views: 1314

Re: Chest Freezers

Going on half a year with this pandemic and finding an outlet with chest freezers in stock is proving harder than finding in stock TP earlier this year, nearly impossible. Anyone have any leads on availability from major brands (GE, Frigidaire, Whirlpool, etc)? Chest freezers weren't kept in stock ...
by ballons
Wed Jul 29, 2020 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: Please rate my stimulus check plan!
Replies: 31
Views: 2577

Re: Please rate my stimulus check plan!

I am guessing most of the people being critical are not eligible for this particular tax break. But, they are quite happy to take advantage of other tax breaks that help their own situation. It seems people love their own tax breaks, but hate the ones that benefit "other" people. I have stopped fin...
by ballons
Wed Jul 29, 2020 5:56 pm
Forum: Personal Consumer Issues
Topic: Middle of Nowhere Retirement
Replies: 104
Views: 11427

Re: Middle of Nowhere Retirement

What about someplace like Roanoke, Virginia? Very close proximity to many mountains in the Blue Ridge, the Appalachian Trail, access to quality healthcare (Virginia Tech is 45 minutes away and has a medical school; many healthcare initiatives are being started in Roanoke). Healthcare and hospital w...
by ballons
Wed Jul 29, 2020 5:25 pm
Forum: Personal Consumer Issues
Topic: Middle of Nowhere Retirement
Replies: 104
Views: 11427

Re: Middle of Nowhere Retirement

Middle of nowhere is just the same old grass is always greener on the other side. You go on vacation/visit there and think it is better than where you live. In 1-2 years you do everything that is possible and get burned out. You then start begging friends/family to come visit more often but they don...
by ballons
Wed Jul 29, 2020 4:44 pm
Forum: Personal Consumer Issues
Topic: Middle of Nowhere Retirement
Replies: 104
Views: 11427

Re: Middle of Nowhere Retirement

What about someplace like Roanoke, Virginia? Very close proximity to many mountains in the Blue Ridge, the Appalachian Trail, access to quality healthcare (Virginia Tech is 45 minutes away and has a medical school; many healthcare initiatives are being started in Roanoke). Healthcare and hospital w...
by ballons
Wed Jul 29, 2020 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Please rate my stimulus check plan!
Replies: 31
Views: 2577

Re: Please rate my stimulus check plan!

I am guessing most of the people being critical are not eligible for this particular tax break. But, they are quite happy to take advantage of other tax breaks that help their own situation. It seems people love their own tax breaks, but hate the ones that benefit "other" people. I have stopped fin...
by ballons
Wed Jul 29, 2020 4:07 pm
Forum: Personal Investments
Topic: High net worth, volatility phobic investor seeking help
Replies: 84
Views: 5763

Re: High net worth, volatility phobic investor seeking help

What would you advise Vera to do? Please remember that volatility of any kind makes her crazy. That said, if she absolutely needs to do it, she is willing, perhaps, to bite the bullet and invest in more risk assets. If the person is counting every single penny and goes crazy at risk, don't force he...
by ballons
Mon Jul 27, 2020 6:45 pm
Forum: Personal Consumer Issues
Topic: How to sell a used car with engine problems?
Replies: 30
Views: 2253

Re: How to sell a used car with engine problems?

Sell as-is with a signed bill of sale. Keep a copy of ad where you also list it as-is.

You can try carmax to get a free appraisal. Expect KBB dealer trade-in price - $3,000.
by ballons
Sat Jul 25, 2020 8:28 pm
Forum: Personal Consumer Issues
Topic: LG refrigerator not cooling--dump it and rebuy?
Replies: 48
Views: 3337

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

Now wondering if it could be relay, capacitor or defrost timer....but symptoms seem diff from yours. Fridge motor seems to be running as normal. Shuts off occasionally during day (as it should for defrost cycle?) but then comes back on again - no weird noises, clicks, etc. Just no cooling either. T...
by ballons
Sat Jul 25, 2020 8:24 pm
Forum: Personal Consumer Issues
Topic: LG refrigerator not cooling--dump it and rebuy?
Replies: 48
Views: 3337

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

I watched this report a year or so ago on appliances and while this is a Canadian news report I’m sure the manufactures are doing this in the U.S as well: https://youtu.be/hk2TfF1M4r8 From what I recall they purposely build stuff now to not last, they stop making parts or make it very difficult to ...
by ballons
Wed Jul 22, 2020 5:45 pm
Forum: Personal Consumer Issues
Topic: Mosquitos! Mosquitos! Mosquitos!
Replies: 118
Views: 7851

Re: Mosquitos! Mosquitos! Mosquitos!

El Greco wrote:
Wed Jul 22, 2020 4:54 pm
I don't know why it's so bad this year (we have lived in this home for 30+ years).
Very few places are spraying nor doing any real control for mosquitoes this year due to covid19. Lack of manpower and lack of cash.
by ballons
Wed Jul 22, 2020 5:34 pm
Forum: Personal Consumer Issues
Topic: cheap, easy, temporary heat blocking stuff for windows?
Replies: 44
Views: 2436

Re: cheap, easy, temporary heat blocking stuff for windows?

do you have any details on how you made the exterior solar screens? I have two large casement windows I'd like to screen from the outside sun. I found this website: http://www.solarscreensolutions.com/products.html indicating he uses Textilene® 80 Solar Screen Fabric did you buy some aluminum frame...
by ballons
Wed Jul 22, 2020 2:36 am
Forum: Personal Consumer Issues
Topic: cheap, easy, temporary heat blocking stuff for windows?
Replies: 44
Views: 2436

Re: cheap, easy, temporary heat blocking stuff for windows?

Exterior solar screens. Easy to make. If you have large/long windows, splurge for thicker AL framing. or Gila window film. Easy to put on so long as you absolutely soak the window and have at least one other person to help. Make sure you buy the correct version. Not recommended for low-e windows. II...
by ballons
Sat Jul 18, 2020 12:01 am
Forum: Personal Consumer Issues
Topic: Optimal dish replacement scheme
Replies: 29
Views: 1861

Re: Optimal dish replacement scheme

Corelle. There is no reason to buy anything else.

If you are breaking or chipping dishes a lot, perhaps you could get dishes made for camping trips that are more durable?
by ballons
Fri Jul 17, 2020 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Death of estranged parent
Replies: 54
Views: 5854

Re: Death of estranged parent

BTW, the apartment was cleaned up and all items removed today - donated to local resale shops - clothing, furniture, etc. Final question (perhaps)...how can the funeral expenses be paid if the checking/money market accounts do not have beneficiaries and there is no clear path to make the payment? C...
by ballons
Mon Jul 13, 2020 4:25 pm
Forum: Personal Consumer Issues
Topic: My very first $martphone!!! Please help me decide.
Replies: 45
Views: 3043

Re: My very first $martphone!!! Please help me decide.

The compass in Google maps will work just fine with either phone. Are you saying that the compass in Google Maps has nothing to do with the "Magnetometer Sensor"? That is a great news if true. I was assuming that since the G Power is lacking "Magnetometer Sensor", Google Maps on this phone will not...
by ballons
Mon Jul 13, 2020 4:10 pm
Forum: Personal Consumer Issues
Topic: My very first $martphone!!! Please help me decide.
Replies: 45
Views: 3043

Re: My very first $martphone!!! Please help me decide.

(I don't think yohac is correct, BTW, that the G Power is a year newer. Both of the phones you mentioned came out in early 2019.) The G7 Power came out last year. The G Power was released in 2020. Motorola's fault for confusing model names. https://www.gsmarena.com/compare.php3?idPhone1=10076&idPho...
by ballons
Mon Jul 13, 2020 3:59 pm
Forum: Personal Consumer Issues
Topic: Owens Corning Duration vs GAF Timberline HDZ
Replies: 10
Views: 627

Re: Owens Corning Duration vs GAF Timberline HDZ

You said you live in a hot area. I would suggest getting the energy star rated ones over a class 4 roof. Duration shasta white or Duration premium cool. You will save on cooling costs over the life of the shingle and you should qualify for rebates from your power company and/or state. GAF makes some...
by ballons
Mon Jul 13, 2020 3:00 pm
Forum: Personal Consumer Issues
Topic: Mail to IRS--Certified
Replies: 31
Views: 2141

Re: Mail to IRS--Certified

What's the scenario in which "certified mail" (without return receipt) is better than priority mail? Certified mail is an addon service so it is not better. You have have certified priority mail. You can drop off a regular priority mail package and ask a teller for a receipt showing that you mailed...
by ballons
Mon Jul 13, 2020 2:50 pm
Forum: Personal Consumer Issues
Topic: Mail to IRS--Certified
Replies: 31
Views: 2141

Re: Mail to IRS--Certified

If it is time sensitive and needs to be mailed by a specific date use any of the certified methods. If you rely solely on tracking data youy could run into problems. https://www.accountingweb.com/community/blogs/davis-ellis-cpa/why-you-should-use-certified-mail-for-tax-returns That is why you drop ...
by ballons
Mon Jul 13, 2020 2:34 pm
Forum: Personal Consumer Issues
Topic: Mail to IRS--Certified
Replies: 31
Views: 2141

Re: Mail to IRS--Certified

What's the scenario in which "certified mail" (without return receipt) is better than priority mail? Certified mail is an addon service so it is not better. You have have certified priority mail. You can drop off a regular priority mail package and ask a teller for a receipt showing that you mailed...
by ballons
Sat Jul 11, 2020 10:57 pm
Forum: Personal Consumer Issues
Topic: New roof needed - Consider METAL ROOF?
Replies: 32
Views: 3068

Re: New roof needed - Consider METAL ROOF?

You don't see metal roofs because of cost. High quality, standing seam metal (the only kind I would get) is going to be 2-3x more and depending on your area could even hit 4x more. So you could be looking at $10K vs $40K. You can get metal roof quotes done but don't be shocked by how much they cost....
by ballons
Sat Jul 11, 2020 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: How Much Does a Car Salesperson Make on a New Car Sale?
Replies: 102
Views: 11442

Re: How Much Does a Car Salesperson Make on a New Car Sale?

Then why even haggle? I cannot believe I am reading this on BHs :D I think we can easily say 2K in disposable income (=after taxes and expenses) is a lot of money for the vast majority of people. I don'doubt that some people have enough money and little precious time but they are a minority. There ...
by ballons
Fri Jul 10, 2020 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: How Much Does a Car Salesperson Make on a New Car Sale?
Replies: 102
Views: 11442

Re: How Much Does a Car Salesperson Make on a New Car Sale?

The problem with trading in in a car is that we will be or sure screwed of 2000$ and maybe more because the salesman now has 2 knobs to confuse you with (and they try to add also financing as a 3rd knob). 1. Have your own financing ready. 2. Get price decided on 3. Never mention trade-in until last...
by ballons
Fri Jul 10, 2020 5:29 pm
Forum: Personal Consumer Issues
Topic: Any good car deals?
Replies: 52
Views: 3477

Re: Any good car deals?

Financing? Sure. OTD price? No. Car dealers won't have deals until heading into the fall as 2021's arrive. Right now the used (craigslist/etc) and CPO market is what I would look at. e.g. my local toyota dealer has tons of 2020 CPO vehicles with < 100 miles. Some as low as 1 mile. Looks like dealers...
by ballons
Fri Jul 10, 2020 1:22 am
Forum: Personal Consumer Issues
Topic: Are basic minivans/suv "luxury" cars?
Replies: 77
Views: 4131

Re: are basic minivans/suv "luxury" cars?

Too bad they don't make station wagons any more. Maybe those would be more affordable? They do, but carmakers raised the ride height/seating position and call them SUVs or crossovers now. Those crazy popular compact crossovers are basically more upright station wagons. They don't drive as well sinc...
by ballons
Fri Jul 10, 2020 1:10 am
Forum: Personal Consumer Issues
Topic: Are basic minivans/suv "luxury" cars?
Replies: 77
Views: 4131

Re: are basic minivans/suv "luxury" cars?

pb1996 wrote:
Thu Jul 09, 2020 9:48 pm
Too bad they don't make station wagons any more. Maybe those would be more affordable?
VW Golf SportWagen ($22K) was the last but discontinued in 2019. Volvo v60 is $39K.

Hatchbacks are the "new" wagon which just about every manufacture makes.
by ballons
Thu Jul 09, 2020 9:39 pm
Forum: Personal Consumer Issues
Topic: Are basic minivans/suv "luxury" cars?
Replies: 77
Views: 4131

Re: are basic minivans/suv "luxury" cars?

$30K+ is still luxury because wages haven't kept up. Toyota Sienna L From $31,640 LE. $34,460 starting msrp SE. $37,790 starting msrp XLE. $37,790 starting msrp Limited. $44,535 starting msrp If you buy the base L trim and drive it into the ground, that would be "frugal." IMHO, the bigger lifestyle ...
by ballons
Thu Jul 09, 2020 4:13 pm
Forum: Personal Consumer Issues
Topic: Recommendation for a good efficient mini tower PC
Replies: 56
Views: 2523

Re: Recommendation for a good efficient mini tower PC

How power efficient do you want? I thought 27W idle (SFF) was ridiculous in 2020 and upgraded to a faster machine that idles at 4.5W (micro) at the wall. The newer the CPU/model, the higher the energy star qualification is for OEM's. Energy star 7.1 or the newest 8 is what you should look for. Look ...
by ballons
Wed Jul 08, 2020 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Actions at end of life to benefit heirs
Replies: 101
Views: 6553

Re: Actions at end of life to benefit heirs

In this context I don't believe they are saying there is anything magic about "attorney-drafted" vs. Willmaker-drafted. They are saying that in theory they will accept third-party documents. Whether that will ever occur in practice is what we're looking for examples of. Other institutions have told...
by ballons
Tue Jul 07, 2020 11:01 pm
Forum: Personal Consumer Issues
Topic: losing ability to ensure good computer hygiene- what to do
Replies: 49
Views: 3803

Re: losing ability to ensure good computer hygiene- what to do

Windows 10 has built in AV. So long as you keep windows up to date and scan (I would do more than just once a month) you shouldn't have any issue. e) do some kind of dual boot where I can run in linux. This sounds like a time consuming rabbithole but perhaps I could figure it out. f) buy a dedicated...
by ballons
Tue Jul 07, 2020 10:26 pm
Forum: Personal Consumer Issues
Topic: Fireproof & waterproof folders or safes for important documents?
Replies: 26
Views: 1298

Re: Fireproof & waterproof folders or safes for important documents?

I just use a regular file folder safe. Yes it can get picked. Yes it can be carried off. Everything inside has been scanned, encrypted, and stored locally along with in the cloud. It exists to protect against small house fires, taken if evacuating for whatever reason, and is cheap insurance of havin...