Search found 511 matches

by TT
Mon Jan 18, 2021 10:01 am
Forum: Investing - Theory, News & General
Topic: Closed End Funds
Replies: 5
Views: 496

Closed End Funds

After reading this article I was wondering about opinions regarding Closed End Funds. The author makes a case for these funds with significantly higher costs than Index Funds are worth considering as even with the increased cost the high distributions result in higher gains. Your thoughts? https://w...
by TT
Sun Jan 17, 2021 7:21 am
Forum: Personal Consumer Issues
Topic: How to deter rodent from chewing wires in car
Replies: 47
Views: 3217

Re: How to deter rodent from chewing wires in car

Our 2017 Subaru Impreza parked in the driveway was constantly having a rat problem under the hood. Fortunately the wires weren’t eaten but they left a lot of droppings. We tried so many of the often mentioned remedies like peppermint oil, noise emitting gadgets placed under the car, Irish Spring so...
by TT
Sun Jan 17, 2021 7:03 am
Forum: Personal Consumer Issues
Topic: Is it ok to have refrigerator and freezer on carpeted floor?
Replies: 10
Views: 912

Re: Is it ok to have refrigerator and freezer on carpeted floor?

If the condensor coils are located on the bottom of the unit I would not install the unit on a carpet. My refrigerator is on a hardwood floor and the coils are less than 1/2 inch above the surface of the floor. On a carpet the potential for the coils being in contact with the carpet would prevent th...
by TT
Sat Jan 16, 2021 3:59 pm
Forum: Personal Consumer Issues
Topic: How to deter rodent from chewing wires in car
Replies: 47
Views: 3217

Re: How to deter rodent from chewing wires in car

I sustained $1100 damage to a car due to a rodent chewing wires related to the engine. This car was parked outside. I've read suggestions for using fox urine or sulfur to deter rodents in the future, but thought I would check here to see if anyone has first-hand experience. I am unable to put this ...
by TT
Sat Jan 16, 2021 3:22 pm
Forum: Personal Investments
Topic: Correcting Vanguard Error
Replies: 2
Views: 386

Re: Correcting Vanguard Error

Silk McCue wrote: Sat Jan 16, 2021 1:15 pm Since you are provided the means by which to correct this online there won't be anything else to do unless you are instructed to do so at the end of the process. You will find that out in due course.

I would proceed.

Chees
Thank You
by TT
Sat Jan 16, 2021 11:27 am
Forum: Personal Investments
Topic: Correcting Vanguard Error
Replies: 2
Views: 386

Correcting Vanguard Error

My spouse and I recently completed 2 individual Retirement Account Contribution Forms for our Roth IRA's . We checked the the boxes that the contributions are for the tax year 2020. When we reviewed the Transaction Confirmation for the transactions they both are in error stating the contributions ar...
by TT
Tue Jan 12, 2021 10:26 am
Forum: Personal Investments
Topic: Roth Conversion at Vanguard- first time
Replies: 2
Views: 268

Roth Conversion at Vanguard- first time

I converted $7,000 each from my and my spouse's Traditional IRAs to our Roth IRAs. We are both over 59 1/2 so the 1099R reads the dollar amount of the contributory IRA, Box 2b is checked as our quarterly taxes will cover the taxes due, IRA box is checked and the Distribution Box code is 7 designatin...
by TT
Mon Jan 11, 2021 6:43 am
Forum: Personal Consumer Issues
Topic: Fixing cracks in stone facade
Replies: 10
Views: 825

Re: Fixing cracks in stone facade

If I am seeing the second image correctly it appears the mortar and stone protrude beyond the siding creating a surface that water and moisture can accumulate. You should use a chisel and remove as much mortar as you can. You may find the mortar to have deteriorated and sandy which needs to be remo...
by TT
Sun Jan 10, 2021 6:43 pm
Forum: Personal Consumer Issues
Topic: What do I have covering my exterior wall and how to repair?
Replies: 13
Views: 807

Re: What do I have covering my exterior wall and how to repair?

I have a brick house which is covered by this. I assume the gray underneath is stucco? and the white which is about 6 inches long and has chipped away is paint? what specific materials do i need to repair this? elsewhere on the wall i also see cracks forming (which hopefully is just only paint crac...
by TT
Sun Jan 10, 2021 9:48 am
Forum: Personal Consumer Issues
Topic: Fixing cracks in stone facade
Replies: 10
Views: 825

Re: Fixing cracks in stone facade

If I am seeing the second image correctly it appears the mortar and stone protrude beyond the siding creating a surface that water and moisture can accumulate. You should use a chisel and remove as much mortar as you can. You may find the mortar to have deteriorated and sandy which needs to be remov...
by TT
Tue Jan 05, 2021 9:23 am
Forum: Personal Consumer Issues
Topic: USPS is incredibly fast!
Replies: 78
Views: 5654

Re: USPS is incredibly fast!

My recent experiences have been mixed with some packages arriving in a timely manner and others extremely slow. One parcel took 31 days to go 225 miles :oops: and another mailed at the same time took 6 days to go 2800 miles.
by TT
Mon Jan 04, 2021 7:41 am
Forum: Personal Consumer Issues
Topic: Any multimillionaire's (more than 2mm) out there still mow their own lawn?
Replies: 310
Views: 22536

Re: Any multimillionaire's (more than 2mm) out there still mow their own lawn?

I prefer doing my own work around the property. I mow around 3 acres, plow or snow blow 450 foot driveway and cut and split 2 + cords of wood every year. I rather do most maintenance, repairs or home improvments myself. I only use contractors when absolutely necessary.
by TT
Sun Jan 03, 2021 9:22 am
Forum: Personal Consumer Issues
Topic: How to convert wall clock to battery movement
Replies: 5
Views: 312

Re: How to convert wall clock to battery movement

I would have a reputable clock repair/restoration professional look at it first to see it is worth repairing. It is possible it just needs a cleaning and oiling to get it to run again. I have two mechanical clocks that run accurately to less that 1 minute a week variance and they require winding onc...
by TT
Sun Aug 02, 2020 10:12 am
Forum: Personal Investments
Topic: Investing in vacant land (acerage)
Replies: 37
Views: 5194

Re: Investing in vacant land (acerage)

Rural vacant land value is extremely risky if you don't do your research. If you are considering areas that are less desirable then I would strongly suggest you consider wooded timber land over vacant farmland. Consider RE taxes and any state incentives for not developing the land. Good northern har...
by TT
Wed Apr 08, 2020 7:53 am
Forum: Personal Investments
Topic: Transfer of a Roth IRA to Vanguard
Replies: 2
Views: 246

Re: Transfer of a Roth IRA to Vanguard

So after one week of being told there were no funds in my account that were transferred and numerous calls and extremely long wait times and research done by a "Resolution Team" who as of yesterday stated that there was no resoluion at this time the funds showed up this a.m. in my online a...
by TT
Sun Apr 05, 2020 5:04 pm
Forum: Personal Investments
Topic: Transfer of a Roth IRA to Vanguard
Replies: 2
Views: 246

Transfer of a Roth IRA to Vanguard

I have an account with Vanguard for about 12 years. I opened a brokerage account and completed all the necessary online and hard copy paperwork that Vanguard required. I initiated a transfer from Dodge and Cox on March 24th. Dodge and Cox transferred the funds electronically on April 1st and provide...
by TT
Sun Nov 17, 2019 9:22 am
Forum: Personal Consumer Issues
Topic: Toyota Highlander vs Subaru Ascent--Advice
Replies: 36
Views: 4347

Re: Toyota Highlander vs Subaru Ascent--Advice

Currently on my 3rd Subaru and I have not had many issues. 2000 Outback - purchased new - head gaskets went @ 90,000 miles and Subaru extended the warranty -sold car @ 190,000 miles with no other major issues. 2004 Outback 6 cylinder - purchased used @ 120,000 miles traded @ 209,000 miles - normal w...
by TT
Tue Jul 02, 2019 6:50 am
Forum: Personal Consumer Issues
Topic: Wood burning stoves
Replies: 30
Views: 2580

Re: Wood burning stoves

Recommend this site:

https://www.hearth.com/talk/
by TT
Tue Mar 26, 2019 7:17 am
Forum: Personal Consumer Issues
Topic: New Fridge?
Replies: 28
Views: 2850

Re: New Fridge?

I have had rather unsatisfactory performance from 2 LG appliances and when there was an issue the parts needed were not available and unfortunately customer service was as bad as the products. I have had positive experiences with Maytag, GE and Whirlpool and would purchase them again.
by TT
Sat Feb 16, 2019 8:56 am
Forum: Personal Consumer Issues
Topic: Composite Cedar Siding and Real Cedar Siding Maintenance
Replies: 24
Views: 2295

Re: Composite Cedar Siding and Real Cedar Siding Maintenance

Hi all, my wife and I are building a custom home and have a few large accents on our home that has been spec'd as clear cedar siding. I was hoping to find a great looking composite/engineered product to use instead of real cedar. I know there is some fiberboard products that are painted to look lik...
by TT
Wed Jul 11, 2018 5:12 am
Forum: Personal Consumer Issues
Topic: Radon
Replies: 29
Views: 2462

Re: Radon

Having an electronic radon detector is far superior Long term charcoal testing is the gold standard in reliability and is used as a radon clearance test. He used two of those over a 4 1/2 month period, so there is no question about the test results. Electronic radon detectors are very convenient, a...
by TT
Tue Jul 10, 2018 6:54 pm
Forum: Personal Consumer Issues
Topic: Radon
Replies: 29
Views: 2462

Re: Radon

I would recommend buying a radon detector that monitors radon in real time. Why? He has done two long term charcoal tests, which is the gold standard of reliability, and came back with a 4.9. Further testing is not going to change anything. Having an electronic radon detector is far superior as it ...
by TT
Tue Jul 10, 2018 6:23 pm
Forum: Personal Consumer Issues
Topic: Radon
Replies: 29
Views: 2462

Re: Radon

I’ve been reading old posts regarding radon. Thought I’d post my specific situation for any feedback. I used one of the devices that you set out for three months or more (4.5 months in my case). Came back 4.9 in the basement and 2.5 on the first floor (4 is the EPA action level). Uncertainty level ...
by TT
Tue Apr 17, 2018 6:25 pm
Forum: Personal Investments
Topic: Record Keeping for Pretax Accounts
Replies: 2
Views: 619

Record Keeping for Pretax Accounts

Over the years I have keep records and final statements of all my IRAs, 401K's both Roth and Traditional which traces all the accounts I have had and transfers that have taken place between different institutions. So anytime a transfer was made between different institutions it could be traced back ...
by TT
Wed Mar 14, 2018 7:11 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1199
Views: 193733

Re: My 2017 CRV is a victim of the dreaded oil gas dilution issue

Good luck if you think Honda is going to admit any responsibility. They are notorious for ignoring ongoing issues and usually have to settle with a class action lawsuit and the customer is reimbursed a fraction of repair costs. After my 2008 Honda rear brake issue I bid them a not so fond farewell.
by TT
Thu Feb 22, 2018 9:44 am
Forum: Personal Consumer Issues
Topic: Recommended resources for a new manager?
Replies: 4
Views: 549

Re: Recommended resources for a new manager?

This book has been around a long time and is now available in an updated version and an excellent place to start.

https://images-na.ssl-images-amazon.com ... 3,200_.jpg
by TT
Mon Jan 29, 2018 6:50 am
Forum: Personal Finance (Not Investing)
Topic: Change in "career", PA or Optometry?
Replies: 79
Views: 11924

Re: Change in "career", PA or Optometry?

I would definitely stay away from pharmacy as there is an oversupply. Due to the shortage in early 2000 large sign on bonuses and free 3 year car leases were necessary to attract a candidate is a thing of the past. The shortage was further exacerbated when the program was increased to a five year de...
by TT
Mon Jan 15, 2018 7:30 am
Forum: Personal Consumer Issues
Topic: Hydronic fireplace home heating
Replies: 6
Views: 949

Re: Hydronic fireplace home heating

Hydronic heating with any solid fuel is expensive to purchase and complex in installation and maintenance. First, I would check your local ordinances for solid fuel fired heating devices then I would go to the link below to get answers to your questions as there is a lot of expertise that can help y...
by TT
Fri Nov 17, 2017 6:33 am
Forum: Personal Consumer Issues
Topic: Has used furniture dropped in value dramatically?
Replies: 119
Views: 15420

Re: Has used furniture dropped in value dramatically?

I have been looking on craigslist and can not believe what you can buy especially dining rooms are pretty much please come and take this away. It seems to be about 10 cents on the dollar for furniture in excellent condition and goes down from there. At this time there does seem to be an interest in ...
by TT
Fri Sep 22, 2017 5:58 am
Forum: Personal Consumer Issues
Topic: Gaps in new hardwood flooring
Replies: 52
Views: 5235

Re: Gaps in new hardwood flooring

"Flooring guy started installing this week and he complained that the wood is incorrectly milled."
Your installer is spot-on. I would return the wood and purchase from another source as more of the same product will probably have the same irregularity in milling.
by TT
Thu Sep 21, 2017 6:32 am
Forum: Personal Consumer Issues
Topic: 2018 Outback Limited vs. 2017 CR-V EX-L
Replies: 48
Views: 8579

Re: 2018 Outback Limited vs. 2017 CR-V EX-L

The Subaru has a proven 2.5 liter naturally aspirated engine vs. a 1.5 turbo. I am not convinced that a 1.5 liter turbo boost of 16.5 pulling a 3,400 lb. vehicle will have the durability of a naturally aspirated engine. Turbos are simply not as reliable and are only becoming more mainstream due to m...
by TT
Fri Sep 15, 2017 5:48 am
Forum: Personal Consumer Issues
Topic: 1st medical bill, already overdue and threaten to send to collection
Replies: 44
Views: 5391

Re: 1st medical bill, already overdue and threaten to send to collection

I had an endoscopy done in May of this year with an in-network participant. I saw everyone gotten paid from my insurance website. Then in late July, I got a letter from anesthesiologist billing asking me to call the insurance company to pay them more. So I called my insurance and told them my situa...
by TT
Fri Sep 15, 2017 5:32 am
Forum: Personal Consumer Issues
Topic: Can not decide between washing machines
Replies: 47
Views: 4281

Re: Can not decide between washing machines

I went to the local library and took a picture of the washing machine section of consumer reports [Link to content in excess of copyright fair use removed by admin LadyGeek] Number 1 is Samsung WF42H5200AW which is surprisingly very cheap $549 plus tax plus hoses and free installation so total $612...
by TT
Mon Jun 12, 2017 7:26 pm
Forum: Personal Consumer Issues
Topic: Dehumidifier woes
Replies: 66
Views: 10214

Re: Dehumidifier woes

My first dehumidifier lasted about 12-15 years. My second one lasted about 5-6 years. My third died in the first 90 days and refunded under warranty. My current one just started season 3. Most appliance reliability has declined significantly.
by TT
Sat Jun 03, 2017 5:38 am
Forum: Personal Investments
Topic: Roth IRA Conversion Calculator
Replies: 9
Views: 1421

Roth IRA Conversion Calculator

I have been considering converting Traditional IRA assets to a Roth IRA from retirement @ 65 till I am required to begin RMDs for myself and my spouse. Using this calculator results demonstrates to me that it is not as advantageous as I previously thought and in some instances conversions will resul...
by TT
Tue May 09, 2017 8:11 pm
Forum: Personal Consumer Issues
Topic: 18" vs 20" Tires
Replies: 39
Views: 27351

Re: 18" vs 20" Tires

Here is an example comparing 18" sidewalls to 20" sidewalls 245/50 R 20 = 4.82 inch sidewall height 245/60 R 18 = 5.78 inch sidewall height The taller sidewall height will make for a softer and more cushioned ride but will have more horizontal movement sometimes giving a sensation of leani...
by TT
Wed Mar 22, 2017 7:39 pm
Forum: Personal Investments
Topic: Fed Rate hikes / Savings rates
Replies: 5
Views: 1639

Re: Fed Rate hikes / Savings rates

It's probably better to link directly to the article itself , rather than to the comments. The Federal Reserve System , the Fed, via its Federal Open Market Committee , FOMC, changed its main policy rate last week, the Federal Funds Rate , FFR, over which it has strong influence, but not complete c...
by TT
Tue Mar 21, 2017 7:21 am
Forum: Personal Investments
Topic: Fed Rate hikes / Savings rates
Replies: 5
Views: 1639

Fed Rate hikes / Savings rates

I thought this was an interesting detailed analysis of saving institutions response to recent rate hikes. As one might guess when rates do increase institution are very slow to respond with increasing saving rates and although this article does not discuss lending rates the same institutions have a ...
by TT
Sun Feb 26, 2017 7:38 pm
Forum: Personal Investments
Topic: Pension at the PBGC - when to begin taking
Replies: 24
Views: 3852

Re: Pension at the PBGC - when to begin taking

I would recommend researching if your pension is part of the Single Employer Plan or the Mutiemployer Plan. Here is an except from the 2016 Annual Report: On our finances — the good news is that the financial condition of our single-employer program improved by $3.5 billion during FY 2016. The progr...
by TT
Sun Sep 25, 2016 7:12 am
Forum: Personal Consumer Issues
Topic: [500 million Yahoo accounts hacked, what should you do?]
Replies: 86
Views: 10623

Re: [500 million Yahoo accounts hacked, what should you do?]

Today I went to my Yahoo account and changed the password. There were no security questions associated with my account. Victoria Can you tell me where the security questions would be located? I do not see any in my account info or in the account security. Does that mean I did not enter any? Thanks
by TT
Sun Sep 25, 2016 7:06 am
Forum: Personal Consumer Issues
Topic: [500 million Yahoo accounts hacked, what should you do?]
Replies: 86
Views: 10623

Re: [500 million Yahoo accounts hacked, what should you do?]

I don't remember if I gave Yahoo security questions or my BD. How can I find out, and how can I change them if I did? Log into your account and in the upper right hand corner you will see you name -click on account info and it will display any personal info you entered. I would advise opening accou...
by TT
Thu Sep 22, 2016 10:35 am
Forum: Personal Consumer Issues
Topic: Audi Service Dealership Cost too high? Where should I take it?
Replies: 39
Views: 56097

Re: Audi Service Dealership Cost too high? Where should I take it?

Hi I am a first time Audi Q5 - Hybrid owner. Today I took my Q5 for 35,000 mile service to the Audi dealership. The dealer said since I don't have Audi Care package, it will cost approximately $1,800 :annoyed. But I can by Audi Care package for about $900 that will take care of my 35,000 miles as w...
by TT
Tue Sep 20, 2016 1:49 pm
Forum: Personal Consumer Issues
Topic: Advice on snowblower
Replies: 62
Views: 6587

Re: Advice on snowblower

I'm also going to be picking up some snow spikes (~$11) for my boots this year to make sure the hill does not give me any problems. Hoping my snow blower does not need the chains as this seems like it'd be a bit of a pain in the ass to take on and off. You will need chains with the grade you have m...
by TT
Tue Sep 20, 2016 1:38 pm
Forum: Personal Consumer Issues
Topic: Loan on $1.3MM Fixer-upper
Replies: 62
Views: 7817

Re: Loan on $1.3MM Fixer-upper

I thought I was finally in our forever home, but my wife seems to think that the commute is too far. So we're moving, and we'll end up closer to our in-laws which will provide free child-rearing help, and also top-notch schools. However, there is little inventory and half of the homes are either to...
by TT
Tue Sep 13, 2016 7:26 am
Forum: Personal Consumer Issues
Topic: Volvo & Audi SUV owners step in here
Replies: 26
Views: 4332

Re: Volvo & Audi SUV owners step in here

Over the years I have heard a number of Audi owners tell me I will never buy another one but I have never heard a Volvo owner tell me that. "that Audi left me stranded for the last time" is what I recollect. Volvo owners I know have driven them for many years and then buy another one. I w...
by TT
Mon Sep 12, 2016 6:42 pm
Forum: Personal Consumer Issues
Topic: Volvo & Audi SUV owners step in here
Replies: 26
Views: 4332

Re: Volvo & Audi SUV owners step in here

Over the years I have heard a number of Audi owners tell me I will never buy another one but I have never heard a Volvo owner tell me that. "that Audi left me stranded for the last time" is what I recollect. Volvo owners I know have driven them for many years and then buy another one.
by TT
Tue Aug 30, 2016 6:38 am
Forum: Personal Consumer Issues
Topic: My beloved Subaru just bit the dust...now what?
Replies: 27
Views: 4467

Re: My beloved Subaru just bit the dust...now what?

Find another used Subaru in good condition. I purchased a 2004 Outback in March 2013 with 159,000 miles on it as it was in great condition with service records. New front axles rods, brakes, rotors and 2 calipers = total cost of $4,900. Car now has about 195,000 miles and runs great. BTW my insuranc...
by TT
Sat Aug 20, 2016 6:51 pm
Forum: Personal Consumer Issues
Topic: Instant oatmeal vs "regular" oatmeal
Replies: 88
Views: 21633

Re: Instant oatmeal vs "regular" oatmeal

Start the day with Steel Cut Oats aka Irish oatmeal with a spoonful of dark amber grade B pure maple syrup :D
by TT
Thu Jul 21, 2016 5:14 am
Forum: Personal Consumer Issues
Topic: Urgent Chrome Update Scam
Replies: 10
Views: 2678

Re: Urgent Chrome Update Scam

Is this what the "update" message looked like? http://www.virusresearch.org/wp-content/uploads/2016/07/Remove-Urgent-Chrome-Update.jpg This is not a legit message. If you saw it, you mostly likely have adware installed on your machine. It's often bundled with other software. If it's an op...