Search found 104 matches

by tivattom
Wed Nov 11, 2020 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: What recourse do I have when a gym bills me after cancellation?
Replies: 26
Views: 2875

Re: What recourse do I have when a gym bills me after cancellation?

I usually file a complaint with my states Attorney Generals office. They should have an online form where you can make your complaint and say what you want them to do. All business really do NOT like to get a letter from the Attorney General. They always bend over backwards to fix the issue once con...
by tivattom
Sat Oct 24, 2020 9:40 pm
Forum: Personal Investments
Topic: Changes to Vanguard 529 plans
Replies: 7
Views: 981

Re: CHANGES TO VANGUARD 529 PLANS

I wholeheartedly agree with you. I believe Vanguard's strong tilt towards international is ill-advised for most investors and likely to continue underperfoming. I no longer use the Vanguard-managed allocation funds in favor of S&P500 and Bond Fund simple portfolio.
by tivattom
Mon Jul 27, 2020 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: Bank autocancelled my cc - should I drop the bank?
Replies: 21
Views: 2401

Re: Bank autocancelled my cc - should I drop the bank?

Fifth Third just cancelled my 22 year old card with no warning. I had last used the card in December last year. So the card was not inactive for very long at all. They must be panicking. Good riddance to bad garbage, I'll just get something else.
by tivattom
Tue Jul 21, 2020 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: HSA over contribution
Replies: 8
Views: 424

Re: HSA over contribution

Paging user SpiritRider!
by tivattom
Fri Jul 17, 2020 6:37 pm
Forum: Investing - Theory, News & General
Topic: When does it make sense to stop contributing to your investment nest egg?
Replies: 15
Views: 2011

Re: When does it make sense to stop contributing to your investment nest egg?

This concept is called CoastFI in the FIRE community. When you get to the point where further retirement contributions are unnecessary to meet your retirement goals. Some people use this point to scale back working, take a job they prefer for less money, go part time, etc. A quick google of CoastFI ...
by tivattom
Sun Jul 12, 2020 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Have I reach the Need for an Umbrella Policy?
Replies: 24
Views: 2068

Re: Have I reach the Need for an Umbrella Policy?

You own 2 properties. You definitely need umbrella insurance. Owning property exposes you to significant liability risks. Things such as trips and falls on sidewalls, workers on your property, and falling tree limbs are concerns. There is no choice to make here - buy the policy.
by tivattom
Sat Jun 27, 2020 11:28 pm
Forum: Personal Consumer Issues
Topic: Replace keyless remote for 2007 Avalon
Replies: 7
Views: 626

Re: Replace keyless remote for 2007 Avalon

If you just need a key fob replacement you can do it yourself:

Buy this: https://www.ebay.com/itm/201592999441

Then do this: https://www.youtube.com/watch?v=iyupxd1PFHg
by tivattom
Sun Jun 21, 2020 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Disappointed in Amica
Replies: 40
Views: 3772

Re: Disappointed in Amica

I have home, auto and, umbrella and have switched insurance carriers multiple times due to raising rates. I have to say canceling with Amica was the most difficult due to various "bugs in their computer system". It took multiple phone calls, and I still received a bill a month after cance...
by tivattom
Fri Jun 19, 2020 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Disappointed in Amica
Replies: 40
Views: 3772

Re: Disappointed in Amica

I fired Amica this year for the same reason. They constantly raised my home replacement value over and over again and over the years I had raised my deductibles higher than was probably reasonable. Auto rates had also steadily risen. I had been with them for 25 years. Erie Insurance offered better i...
by tivattom
Fri Jun 12, 2020 9:10 pm
Forum: Personal Consumer Issues
Topic: Recommend a mattress?
Replies: 50
Views: 5051

Re: Recommend a mattress?

My wife and I share a king size bed. We have since stopped buying king size mattresses and buy 2 twin XL mattresses that together make the same size as a king. Its so much better because you can flip the sides independently giving you many more options to use the sides. They are much easier to maneu...
by tivattom
Sun Jun 07, 2020 3:27 pm
Forum: Personal Consumer Issues
Topic: Water Heater: Rheem vs AO Smith
Replies: 36
Views: 13157

Re: Water Heater: Rheem vs AO Smith

Id recommend calling a HVAC contractor. They tend to do water heaters and are usually cheaper than plumbers directly.

In Ohio we had a 6 year Rheem installed for about 1100 about 4 months ago. Check into the replacement of the anode rod. AO Smiths tend to be harder to replace.
by tivattom
Fri May 08, 2020 1:19 pm
Forum: Personal Consumer Issues
Topic: Audi A8 or keep looking?
Replies: 30
Views: 2614

Re: Audi A8 or keep looking?

I'll just leave this here for your amusement:

https://old.reddit.com/r/Justrolledinto ... is_is_the/

Image
by tivattom
Mon May 04, 2020 1:47 pm
Forum: Personal Consumer Issues
Topic: Glue for lucite plastic to metal
Replies: 7
Views: 718

Re: Glue for lucite plastic to metal

I use this website for anything glue related: http://thistothat.com/

It's specialized to help you find the proper glue based on the materials you have.
by tivattom
Sat May 02, 2020 10:33 am
Forum: Personal Consumer Issues
Topic: Will Walmart replace a battery without a receipt?
Replies: 33
Views: 2112

Re: Will Walmart replace a battery without a receipt?

The battery has a bar code that contains a serial number of the battery. They will scan the bar code and test the battery which will usually take an hour. If the battery has failed they will scan the old and new battery and give the new battery to you at no charge. If you are out of the "free r...
by tivattom
Wed Apr 15, 2020 10:53 am
Forum: Personal Finance (Not Investing)
Topic: IRS Stimulus payment for SSI receivers
Replies: 4
Views: 419

Re: IRS Stimulus payment for SSI receivers

My parents are both on SSI separately and they both received the stimulus payment today (4/15) in the accounts where their IRS refund checks have been deposited-- not where the SS payments are received monthly.
by tivattom
Sat Mar 21, 2020 12:59 pm
Forum: Personal Investments
Topic: Guys I Rebalanced (Moved Monies Out Of S&P 500)
Replies: 301
Views: 18726

Re: Guys I Rebalanced (Moved Monies Out Of S&P 500)

Thank you for selling your shares to me so cheaply. Would you like to panic sell your house to me too? Ive got super safe cash for you!
by tivattom
Tue Mar 17, 2020 7:39 am
Forum: Personal Consumer Issues
Topic: DIY CV axle replacement -any tips from BH who have done this?
Replies: 17
Views: 1007

Re: DIY CV axle replacement -any tips from BH who have done this?

I only have experience with VWs. I'd say that aftermarket CV axles are often not good quality. On my VW the original axles are hollow while the aftermarkets are solid. The aftermarket axles often introduce wobble into the steering. I'd recommend getting the highest quality replacement axles you can ...
by tivattom
Mon Mar 16, 2020 7:34 am
Forum: Personal Investments
Topic: Who is continuing to buy as planned?
Replies: 119
Views: 8475

Re: Who is continuing to buy as planned?

I increased my 401k contribution and allocated all new contributions to 100% stock. This technique worked well for me in 2000, again in 2008, and I have no reason to believe 2020 will be any different. I will also likely begin small rebalancing back into stocks over the next week or so per my IPS.
by tivattom
Fri Mar 13, 2020 8:20 am
Forum: Personal Investments
Topic: Capitulation
Replies: 59
Views: 5443

Re: Capitulation

Turn off the tv. Take your dog for a walk. Make your spouse a nice dinner. Nothing has fundamentally changed.

You still own the same number of shares you owned a week ago. You just have to get out of your head and enjoy life.
by tivattom
Mon Feb 24, 2020 9:35 am
Forum: Personal Consumer Issues
Topic: How often do you need new car tires?
Replies: 50
Views: 4152

Re: How often do you need new car tires?

All tires come with a set of UTQC ratings. The "treadwear" part of the rating will help you determine the actual expected life of your tires. A higher number indicates a longer treadwear. I use these numbers to help compare tires when purchasing. You can find your existing tires ratings on...
by tivattom
Wed Jan 22, 2020 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Career change at 47
Replies: 116
Views: 11640

Re: Career change at 47

What about starting a home inspection business? You appear to have the experience and skills in construction to make a good home inspector. They can make good money while helping to protect homeowners. The work can also be part time and appears to be pretty low overhead. It could even be a side gig ...
by tivattom
Wed Jan 15, 2020 5:44 am
Forum: Investing - Theory, News & General
Topic: VG Monthly Statements Are HORRIBLE!
Replies: 97
Views: 8592

Re: VG Monthly Statements Are HORRIBLE!

Agreed, that the statements are horrible. Downloading PDFs seem to be a little but better format. Maybe that will better suit your needs?
by tivattom
Mon Jan 06, 2020 7:46 pm
Forum: Personal Consumer Issues
Topic: Stinky Front Loader (Washer)
Replies: 66
Views: 6452

Re: Stinky Front Loader (Washer)

Yes! I'm so glad the powdered detergent worked for you too.
by tivattom
Sun Dec 15, 2019 12:46 pm
Forum: Personal Consumer Issues
Topic: Places to Go Out When You Don't Want to Spend Much or Any Money
Replies: 129
Views: 11413

Re: Places to Go Out When You Don't Want to Spend Much or Any Money

I'd suggest attending local school performances or sporting events.

There are often holiday/spring band and choir concerts, high school theater productions, and sporting events. Most are free or charge a small entrance fee.
by tivattom
Thu Dec 12, 2019 7:19 pm
Forum: Personal Consumer Issues
Topic: Day Trip to Downtown Chicago
Replies: 62
Views: 3829

Re: Day Trip to Downtown Chicago

For parking I'd recommend the app SpotHero. We parked and MIllenium Park mid-week for 8 hours for $15.00 as a first time user.
by tivattom
Wed Nov 06, 2019 9:39 am
Forum: Personal Consumer Issues
Topic: Stinky Front Loader (Washer)
Replies: 66
Views: 6452

Re: Stinky Front Loader (Washer)

This was an easy problem for me to solve with my LG washer. Simply switch to POWDERED (he) detergent instead of liquid detergent.

It seems that liquid detergent does not rinse as clean as the powdered. Liquid leaves a smelly slime coating the inside of the internal machine parts.
by tivattom
Tue Oct 01, 2019 9:37 am
Forum: Personal Investments
Topic: Small pension options - how to understand.
Replies: 14
Views: 1221

Re: Small pension options - how to understand.

I've been in this exact situation before. To play devils advocate here's why I've made the decision to keep the pension: I am spiteful and wanted my old employer to have to keep sending me paperwork and keep track of the old pension. They have a history of trying to buy out pensions. First offer was...
by tivattom
Mon Aug 19, 2019 6:44 pm
Forum: Personal Consumer Issues
Topic: Front load washer mold
Replies: 30
Views: 3212

Re: Front load washer mold

I switched to powdered detergent on my LG and all the smelly moldy problems went away.
by tivattom
Mon Aug 19, 2019 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Close on first home on Wednesday, might not take possession until 30 days... advice please
Replies: 48
Views: 4107

Re: Close on first home on Wednesday, might not take possession until 30 days... advice please

When we bought our last house, we allowed the sellers to remain for 14 days after the closing. They had a LOT of stuff to pack up and remove from the house. I was very nervous about it, but in the end they did everything like they were supposed to. They asked for an extension on the 14 days and I sa...
by tivattom
Mon Aug 19, 2019 8:52 am
Forum: Personal Finance (Not Investing)
Topic: Are we financially okay?
Replies: 68
Views: 10227

Re: Are we financially okay?

Sell your house, quit your job. Move to Ohio, buy a house with cash and live like a king. I'm only partially joking.
by tivattom
Fri Mar 29, 2019 3:57 pm
Forum: Personal Consumer Issues
Topic: Water Heater Anode Replacement
Replies: 32
Views: 3481

Re: Water Heater Anode Replacement

My water heater is from 1999. I check the anode every year and replace the anode about every 4-5 years. Its not a nuclear fission reactor. Its a hunk of metal corroding in water. Just do it! The number of people afraid to touch anything in this thread is funny to me. And the plumbers (of course) are...
by tivattom
Tue Mar 19, 2019 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Are RMDs that bad if you're not an over-saver?
Replies: 194
Views: 23258

Re: Are RMDs that bad if you're not an over-saver?

According to the IRS you have to have a spouse as the sole beneficiary of the IRA AND they must be 10 years younger than you in order for the lower RMDs to apply.

https://www.irs.gov/pub/irs-tege/uniform_rmd_wksht.pdf
by tivattom
Wed Dec 26, 2018 10:29 am
Forum: Personal Investments
Topic: GE from March 2000 in Roth-
Replies: 3
Views: 462

Re: GE from March 2000 in Roth-

Sell it and buy Coca-Cola shares (MinuteMaid Lemonade)?

If it were me i'd sell the individual stock and invest it in mutual funds per my Investing Policy Statement.
by tivattom
Wed Dec 19, 2018 7:26 am
Forum: Investing - Theory, News & General
Topic: I feel cheated, saved too much in 401K vs cash.
Replies: 74
Views: 11726

Re: I feel cheated, saved too much in 401K vs cash.

As long as you retire after 59.5 tax deferred is the way to go. You can access money from a tax deferred account prior to age 59.5 without paying a penalty. It's simply significantly more awkward than after full retirement age. 72(t) withdrawals and Roth conversion ladders are the options, IIRC. Al...
by tivattom
Mon Nov 05, 2018 9:49 am
Forum: Personal Finance (Not Investing)
Topic: 6-month CD at 2.4%
Replies: 4
Views: 1724

Re: 6-month CD at 2.4%

Vanguard Prime Money Market is currently paying 2.23% - so I don't find that CD rate very compelling.

https://investor.vanguard.com/mutual-fu ... file/VMMXX
by tivattom
Tue Oct 09, 2018 10:40 am
Forum: Personal Consumer Issues
Topic: Dayton, Ohio -- Worth Visiting?
Replies: 41
Views: 3906

Re: Dayton, Ohio -- Worth Visiting?

The National Museum of the US Air Force is a great museum, and a must see if you've never been. Its definitely worth the price of admission (its free).

https://www.nationalmuseum.af.mil/
by tivattom
Mon Sep 24, 2018 8:35 am
Forum: Investing - Theory, News & General
Topic: Are target funds off-target?
Replies: 32
Views: 2702

Re: Are target funds off-target?

My biggest problems with Target Date funds are: Higher fees Moving the goalposts. Most investment companies cannot help themselves from changing the fund mixes often. I've seen them change Stock to Bond ratios (not the normal progression of time but fundamental baseline changes). I've also seen them...
by tivattom
Wed Jul 18, 2018 3:47 am
Forum: Investing - Theory, News & General
Topic: Receiving 2FA codes from Vanguard while overseas
Replies: 25
Views: 4633

Re: Receiving 2FA codes from Vanguard while overseas

Yes I currently receive SMS codes in Europe while travelling.

I use a google voice number registered with Vanguard and have any SMS messages received by google voice forwarded to my email. As long as I have Email access I can get the codes.
by tivattom
Sun Jul 15, 2018 7:49 am
Forum: Personal Consumer Issues
Topic: Choosing a Used Car Model
Replies: 13
Views: 1671

Re: Choosing a Used Car Model

Second recommendation for CarMax. They have a huge inventory and will be happy to let you test drive all models to your hearts content. We ended up purchasing a Ford Flex that we LOVE, but were not initially searching for thanks to test driving all models our local CarMax had. Our experience at CarM...
by tivattom
Thu Jun 28, 2018 2:59 pm
Forum: Personal Consumer Issues
Topic: Any Reason to Keep My "Landline" Phone?
Replies: 65
Views: 4963

Re: Any Reason to Keep My "Landline" Phone?

If you really don't use it much you can port your number to google voice and then you have several options to use you old number. 1. Have any calls directed to your cell number. 2. Buy an Obi device and hook it up to your home phone system so you still have a home phone for free (and can still forwa...
by tivattom
Mon Jun 25, 2018 7:19 am
Forum: Personal Consumer Issues
Topic: Front load washer gross moldy gasket
Replies: 38
Views: 5107

Re: Front load washer gross moldy gasket

Here's your third recommendation for switching from liquid to powder detergent. It also solved our musty moldy problem.
by tivattom
Sun Jan 21, 2018 5:40 pm
Forum: Personal Consumer Issues
Topic: What's a good file sync software?
Replies: 14
Views: 1752

Re: What's a good file sync software?

Microsoft has a pretty good free sync software called synctoy, you can download it directly from them
by tivattom
Wed Dec 20, 2017 8:14 am
Forum: Personal Consumer Issues
Topic: Toyota older, "good" cars - my observations
Replies: 52
Views: 6998

Re: Toyota older, "good" cars - my observations

I'd pass based on having to spend big money ($1,000+ each time) on periodic timing belt replacements. Cars with timing chains are much lower maintenance. In general, you are right. However I thought the same thing when I bought our 2009 Ford with the duratec 3.5 v6. It has timing chains so I though...
by tivattom
Thu Nov 16, 2017 9:00 am
Forum: Personal Consumer Issues
Topic: ASUS Student Chromebook - thoughts?
Replies: 22
Views: 1939

Re: ASUS Student Chromebook - thoughts?

I bought that exact Asus 202 for my 8th grader a year ago and it is a fantastic machine. Highly recommend it and everyone who uses it loves that keyboard for some reason.
by tivattom
Tue May 17, 2016 3:00 pm
Forum: Personal Consumer Issues
Topic: Arrgghhh !!! Windows 10 installed overnight
Replies: 92
Views: 14050

Re: Arrgghhh !!! Windows 10 installed overnight

You can go back to your previous operating system easily during the first 30 days of installing Windows 10.

http://www.pcworld.com/article/2960692/ ... -or-8.html
by tivattom
Tue Mar 22, 2016 9:49 am
Forum: Personal Consumer Issues
Topic: Repair old car or buy new? A car illiterate needs some help
Replies: 40
Views: 4501

Re: Repair old car or buy new? A car illiterate needs some help

You are going to pay for the new A/C anyway, either directly to your mechanic or indirectly through reduced sale or trade-in value. Your car owes a new AC and you are responsible for the cost.
by tivattom
Tue Jan 19, 2016 8:35 am
Forum: Personal Consumer Issues
Topic: Water softener: Care and maintenance
Replies: 8
Views: 1189

Re: Water softener: Care and maintenance

After about 7 years I noticed my water softener was not performing as well as it had in the past. I found this ResCare resin cleaner online and tried it. It seemed to restore the softening power right away and keep me from having to replace my resin. http://www.amazon.com/ResCare-RK41N-All-Purpose-S...
by tivattom
Mon Sep 28, 2015 12:15 pm
Forum: Personal Consumer Issues
Topic: Quiet blender for under $50?
Replies: 19
Views: 2061

Re: Quiet blender for under $50?

Try to find a blender with an induction motor. They are much quieter than the universal motors on most cheap appliances.
by tivattom
Wed Jun 24, 2015 1:08 pm
Forum: Personal Consumer Issues
Topic: Mess on hardwood floor installation
Replies: 8
Views: 2064

Re: Mess on hardwood floor installation

I have 3/4 real oak hardwood installed on top of an OSB sub-floor all over my house secured with staples and no adhesive. We have never had any issues in 15 years. After a quick google, I found this which recommends a vapor barrier. I used 15# roofing felt as a vapor barrier on mine. http://www.norb...
by tivattom
Thu Jun 04, 2015 8:44 am
Forum: Personal Consumer Issues
Topic: Dishwasher lime/calcium build-up
Replies: 21
Views: 20854

Re: Dishwasher lime/calcium build-up

Looks like you would greatly benefit from a water softener. We had issues like this for a long while until I finally ordered and installed a water softener. Now we have no problem at all and it appears that our appliances, faucet, and shower enclosures will last much longer.