Search found 577 matches

by HoosierJim
Fri Jun 14, 2019 6:51 am
Forum: Personal Consumer Issues
Topic: The Upper Peninsula (UP) in August....What to do, Where to stay?
Replies: 36
Views: 2449

Re: The Upper Peninsula (UP) in August....What to do, Where to stay?

Beautiful place - my kind of population density, Make sure you are prepared for the black flies, mosquitos or can't-see-ums. August should be better but you never know. We noticed a big difference between the upper lower and upper penninsula when we attempted to circumnavigate Lake Michigan. Peak b...
by HoosierJim
Thu Jun 13, 2019 8:44 am
Forum: Personal Consumer Issues
Topic: Do you repair your own appliances?
Replies: 65
Views: 3200

Re: Do you repair your own appliances?

I repair everything. Me too. Just got a $15 carburetor kit fo r my 10 year old weed wacker - kit came with new carb, air filter, spark plug, gas hoses, carb adjustment tool and gas filter stones. Added clean mixed gas and started on first pull. If you have a rough running or hard to start small gas...
by HoosierJim
Thu Jun 13, 2019 8:37 am
Forum: Personal Consumer Issues
Topic: (Water Filtration System) Miracle we are all not dead
Replies: 61
Views: 5285

Re: (Water Filtration System) Miracle we are all not dead

We had neighbors fall for this scam. What proved it was a "plumber" installed it late on a Saturday night and messed it up causing all sorts of water damage. The rush to install was probably so our neighbor could not use the contract cancellation The real markers for this scam is the apocalyptic wat...
by HoosierJim
Thu Jun 13, 2019 8:33 am
Forum: Personal Consumer Issues
Topic: Where to sit at Wrigley?
Replies: 12
Views: 831

Re: Where to sit at Wrigley?

Would advise to keep your kids off their phones (and yourselves) - or don't waste the money. Saw a Sox v Washington game the other night - except for people behind the plate, about 1/4 of the people were staring at their phones. Try talking to the kids about the game strategy and stay in the moment....
by HoosierJim
Thu Jun 13, 2019 7:54 am
Forum: Personal Consumer Issues
Topic: Anyone buy Security Cams from Costco?
Replies: 53
Views: 3657

Re: Anyone buy Security Cams from Costco?

ponyboy wrote:
Thu Jun 13, 2019 6:15 am
Wyze are ok but they only record for 10 or 15 seconds...
Wyze cameras also support Real Time Streaming Protocol (RTSP)
by HoosierJim
Wed Jun 12, 2019 7:21 pm
Forum: Personal Consumer Issues
Topic: Anyone buy Security Cams from Costco?
Replies: 53
Views: 3657

Re: Anyone buy Security Cams from Costco?

Add a google.mesh network to improve wifi coverage and then go with wyze. I have 6 cameras. 4 were online in the first hour due to convenient power sources. The other two took about 4 hours to get setup. If you have existing outdoor lighting, you can use USB light sockets to supply power with a ligh...
by HoosierJim
Sat Jun 01, 2019 12:54 pm
Forum: Personal Consumer Issues
Topic: Painting Cabinets - Is it that hard ?
Replies: 38
Views: 2936

Re: Painting Cabinets - Is it that hard ?

If you procrastinate, wood grain will be back in style. Search YouTube for 2019 kitchen designs and you will see that 90% of designs are white cabinets with whitish countertops. Just talked to a lumberyard kitchen designer (sells lots of kitchens and supplies new home builders too.). He said tide is...
by HoosierJim
Wed May 22, 2019 7:28 pm
Forum: Personal Consumer Issues
Topic: Expensive front load washer/dryer worth it?
Replies: 53
Views: 3273

Re: Expensive front load washer/dryer worth it?

Instead of the premium price the front load units we used the money to buy higher capacity units from Maytag. Sticker says made in USA and we can wash any blanket or comforter. Very happy.


see it here from Lowes
by HoosierJim
Tue May 21, 2019 12:16 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 843
Views: 84878

Re: What frugal thing did you do today?

Was thinking about a new toolbox for power tool storage and then found TWO! ETHAN ALLEN bookcases at the curb in the neighborhood. Looks like this bookcase but in oak.

Power tools will be living like kings.
by HoosierJim
Mon Apr 29, 2019 4:29 am
Forum: Personal Consumer Issues
Topic: Toilets that never get used
Replies: 38
Views: 5561

Re: Toilets that never get used

Antifreeze is a toxic chemical. I would not recommend you put that down into the sewer system. You cannot rely on the sewage treatment system being able to deal with it. There must be non-toxic alternatives available. I would only use anti-freeze if the toilet is in danger of freezing - then use RV...
by HoosierJim
Sun Apr 21, 2019 8:33 am
Forum: Personal Consumer Issues
Topic: Tips for getting the most out of your cruise?
Replies: 60
Views: 4129

Re: Tips for getting the most out of your cruise?

The one thing I learned from the first cruise is: When coming from a northern climate to a southern cruise and wearing heavy cloths for the trip, carry on the first 1/2 days clothes - light shirt, trunks, proper shoes to enjoy your first few hours while waiting for your cabin/luggage.
by HoosierJim
Fri Apr 19, 2019 3:38 pm
Forum: Personal Consumer Issues
Topic: Video Camera to check in on Elderly Parent
Replies: 76
Views: 4914

Re: Video Camera to check in on Elderly Parent

....You could have a separate phone ( landline , flip phone, bar phone - whatever person is able to use), that only you have the number for. Landlines have become unusable due to robo calling, telemarketing, etc. Neighbor just got rid of theirs and commented that at least 30 calls came in for every...
by HoosierJim
Thu Apr 18, 2019 11:05 pm
Forum: Investing - Theory, News & General
Topic: Can 401k type retirement plans provide safe retirement income? - Thaler & Milevsky
Replies: 16
Views: 2923

Re: Can 401k type retirement plans provide safe retirement income? - Thaler & Milevsky

A couple of things that I noticed when listening. 1. Although I am not at the RMD age yet - a couple of speakers talked about needed RMD reform due to their onerous processes. I have never heard a great uproar about this problem - could the rmd'ers out their comment on how bad the process is? One s...
by HoosierJim
Thu Apr 18, 2019 1:16 pm
Forum: Personal Consumer Issues
Topic: Video Camera to check in on Elderly Parent
Replies: 76
Views: 4914

Re: Video Camera to check in on Elderly Parent

Has the house already been "senior proofed"? Things like grab bars, no loose rugs, stair lifts. These guys are selling medical alert systems but their suggestions on SENIOR PROOFING TO PREVENT FALLS are good.
by HoosierJim
Thu Apr 18, 2019 12:39 pm
Forum: Investing - Theory, News & General
Topic: Reverse Mortgage for Sequence of return risk
Replies: 30
Views: 1370

Re: Reverse Mortgage for Sequence of return risk

You have to absolutely certain you will age-out and pass away in your home. Most people don't. I don't understand this. Can you explain your thinking? Let's say after 5 years of the reverse mortgage, your previously childless son/daughter announces they are having quintuplets and moving to Seattle ...
by HoosierJim
Thu Apr 18, 2019 12:08 pm
Forum: Investing - Theory, News & General
Topic: Reverse Mortgage for Sequence of return risk
Replies: 30
Views: 1370

Re: Reverse Mortgage for Sequence of return risk

You have to absolutely certain you will age-out and pass away in your home. Most people don't.
by HoosierJim
Thu Apr 18, 2019 11:49 am
Forum: Personal Consumer Issues
Topic: Video Camera to check in on Elderly Parent
Replies: 76
Views: 4914

Re: Video Camera to check in on Elderly Parent

Another vote for the Wyze cam. Yet another vote for Wyze. You could also put them by the front and rear doorways pointing onto a porch or entrance way. Our police blotter shows at least one incident per week of an elder being talked to at the front door while the partner in crime goes through the b...
by HoosierJim
Thu Apr 18, 2019 11:48 am
Forum: Personal Consumer Issues
Topic: Video Camera to check in on Elderly Parent
Replies: 76
Views: 4914

Re: Video Camera to check in on Elderly Parent

Another vote for the Wyze cam. Yet another vote for Wyze. You could also put them by the front and rear doorways pointing onto a porch or entrance way. Our police blotter shows an elder being talked to at the front door while the partner in crime goes through the back door. With the motion detectio...
by HoosierJim
Thu Apr 18, 2019 11:14 am
Forum: Investing - Theory, News & General
Topic: Can 401k type retirement plans provide safe retirement income? - Thaler & Milevsky
Replies: 16
Views: 2923

Re: Can 401k type retirement plans provide safe retirement income? - Thaler & Milevsky

A couple of things that I noticed when listening. 1. Although I am not at the RMD age yet - a couple of speakers talked about needed RMD reform due to their onerous processes. I have never heard a great uproar about this problem - could the rmd'ers out their comment on how bad the process is? One su...
by HoosierJim
Tue Apr 16, 2019 3:20 pm
Forum: Personal Consumer Issues
Topic: What Are Your Simple Pleasures?
Replies: 145
Views: 12178

Re: What Are Your Simple Pleasures?

Sailing - with just enough but not too much wind.
by HoosierJim
Sun Apr 14, 2019 1:28 pm
Forum: Personal Consumer Issues
Topic: Buying a new computer could use advice
Replies: 32
Views: 2728

Re: Buying a new computer could use advice

Gmail lets you use a yubikey which I keep on my key chain. Google your email service name and " 2 factor"

Since your email is the key to password resets, you need to secure it well.

Check your email on Troy hunts site https://haveibeenpwned.com
by HoosierJim
Sun Apr 14, 2019 11:38 am
Forum: Personal Consumer Issues
Topic: Buying a new computer could use advice
Replies: 32
Views: 2728

Re: Buying a new computer could use advice

running on Vista is not very secure I would recommend you change all your financial site passwords and enable two-factor authentication. Don't ever use the same password on multiple sites or better yet get a password manager. Secure your email with two factory also.
by HoosierJim
Fri Apr 12, 2019 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone Own/Operate a Funeral Home?
Replies: 16
Views: 1782

Re: Anyone Own/Operate a Funeral Home?

probably good for the next 10 years funeral homes don't move around alot but I wonder if their business model will continue as millennials age out. https://www.google.com/amp/s/connectingdirectors.com/52320-de-churching-millennials/amp So funeral homes is a dead end business? People are still going...
by HoosierJim
Fri Apr 12, 2019 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone Own/Operate a Funeral Home?
Replies: 16
Views: 1782

Re: Anyone Own/Operate a Funeral Home?

probably good for the next 10 years funeral homes don't move around alot but I wonder if their business model will continue as millennials age out.
https://www.google.com/amp/s/connecting ... nnials/amp
by HoosierJim
Fri Apr 12, 2019 5:17 pm
Forum: Personal Consumer Issues
Topic: Buying a new computer could use advice
Replies: 32
Views: 2728

Re: Buying a new computer could use advice

Sounds like you're not big on upgrading so I would purchase a Chromebook.
by HoosierJim
Fri Apr 12, 2019 7:43 am
Forum: Personal Consumer Issues
Topic: How to record webcam?
Replies: 15
Views: 1483

Re: How to record webcam?

Try windows media encoder from Microsoft. Google the following so you get the microsoft.com site - not the others which may be questionable:
site:microsoft.com windows media encoder download
The "site:yoursite.com" will rank the links from microsoft first.
by HoosierJim
Thu Apr 11, 2019 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Should you use a real estate agent when buying a house? What are your experiences?
Replies: 72
Views: 3896

Re: Should you use a real estate agent when buying a house? What are your experiences?

Used them 4 times (no choice) - not sure which agent was the most useless. Inexperienced and idiot buyers should pay the freight. If you know what you are doing, and know what you want and what it's worth, and do all of the legwork, you shouldn't have to pay as much but there is rate fixing. Industr...
by HoosierJim
Thu Apr 11, 2019 8:13 pm
Forum: Personal Consumer Issues
Topic: Wifi range from Ring doorbell
Replies: 8
Views: 699

Re: Wifi range from Ring doorbell

yolli71 wrote:
Thu Apr 11, 2019 6:14 pm
...but you can buy a Google Wifi 4-pack at Costco for $300.
Friend just did this - covers the large house and an out building. Easy to install.
by HoosierJim
Wed Apr 10, 2019 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Can a tax assessment change once it's posted on Assessor's Website?
Replies: 4
Views: 255

Re: Can a tax assessment change once it's posted on Assessor's Website?

In our area the numbers are generally set around March 1. So if you started construction (i.e. pulled permits) on March 2, 2019, the 2018 taxes (pay 2019 due to arrears) which are due May/October would be for the land only. Let's say the tax on the land is $100. Your "2018 - pay May 2019 1at install...
by HoosierJim
Wed Apr 10, 2019 7:19 am
Forum: Personal Finance (Not Investing)
Topic: Consulting Fees Redirected to Charity
Replies: 17
Views: 1057

Re: Consulting Fees Redirected to Charity

There was also a special provision by which ... was able to have his Nobel prize money diverted to the charities of his choice. There have been recent claims by European scientists about Nobel "lobbying" by American scientists. If the President's organization had lobbied for the prize - the first p...
by HoosierJim
Mon Apr 08, 2019 1:32 pm
Forum: Personal Investments
Topic: Boglehead year 1
Replies: 2
Views: 571

Re: Boglehead year 1

Congratulations. Your current saving rates put you well above your peers. You should take comfort that you could ride out a problem. As coworkers fret over how to pay for a broken water heater, you should allow your nest egg to reduce stress and enjoy your job, coworkers and even a chuckle about a b...
by HoosierJim
Wed Apr 03, 2019 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Just Bought an Annuity
Replies: 149
Views: 11808

Re: Just Bought an Annuity

From the article you linked It is important to note that with this bond ladder, nothing will be left at the end of the thirtieth year. The calculation is “risk-free” for thirty-years, but the possibility of living beyond thirty years must be considered. A TIPS ladder does not hedge longevity risk. ...
by HoosierJim
Wed Apr 03, 2019 3:25 pm
Forum: Personal Consumer Issues
Topic: Is $650 for a Roof Inspection Too Much?
Replies: 37
Views: 2724

Re: Is $650 for a Roof Inspection Too Much?

I would buy a drone. Do you know anybody with the drone? You could fly over an inspection probably better than a person on the ladder. Check the flashing, valleys, dormers, and THE ATTIC etc
by HoosierJim
Wed Apr 03, 2019 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Just Bought an Annuity
Replies: 149
Views: 11808

Re: Just Bought an Annuity

COLA is important and assuming there are other sources of income, but just wondering - can somebody tell me the difference between the OP's purchase vs purchasing the $250k in TIPS ladder as shown here? Wouldn't this pass the full amount to the heirs vs insurance company?
by HoosierJim
Tue Apr 02, 2019 6:34 am
Forum: Personal Consumer Issues
Topic: Best enhancement for folks who work from home
Replies: 42
Views: 4107

Re: Best enhancement for folks who work from home

55" 4k TV monitor.gets rid of bezels & gaps. Walking desk made from treadmill and Ikea desk top.
by HoosierJim
Mon Apr 01, 2019 7:31 am
Forum: Personal Consumer Issues
Topic: webcam/microphone and background for video interview
Replies: 9
Views: 685

Re: webcam/microphone and background for video interview

Ask your family how your built in mic sounds to them. Many times it's tinny or picks up sound from the pc fan. If so - get a headset. Also your paticipants may be quite or in a large conference room and difficult to hear. Turning up the pc speaker volume can sometimes lead to feedback. Another reaso...
by HoosierJim
Mon Apr 01, 2019 6:50 am
Forum: Personal Finance (Not Investing)
Topic: What is your annual cost for health insurance?
Replies: 155
Views: 12911

Re: What is your annual cost for health insurance?

2018 Annual premiums for an ACA Gold HMO policy for our family of 4 is slightly over $20,0000 with a $0 deductible. .... I have been raising my billable rate annually to accommodate health care price increases resulting in an inflation-adjusted net income that doesnt really change year to year. Cli...
by HoosierJim
Sat Mar 30, 2019 5:19 pm
Forum: Investing - Theory, News & General
Topic: Does the 4% rule work for a 'world' portfolio?
Replies: 60
Views: 4294

Re: Does the 4% rule work for a 'world' portfolio?

See the recent post CAN MY DAD RETIRE - noticed that the 10 year bond is running about 4% over the inflation rate. Seems like it would be no problem if this continues in Indonesia.
by HoosierJim
Sat Mar 30, 2019 5:16 pm
Forum: US Chapters
Topic: ORLANDO Chapter Bogleheads
Replies: 55
Views: 8298

Re: ORLANDO Chapter Bogleheads

I used to attend the downtown meeting but traveling was a hassle with Orlando traffic. Thinking of setting up a virtual meeting to avoid the commute. Private message me if you are interested. Meetings would be every 2 weeks for 1 hour or less. Topics would be suggested/agreed for the next meeting at...
by HoosierJim
Sat Mar 30, 2019 5:06 pm
Forum: Non-US Investing
Topic: Can my dad retire? [Indonesia]
Replies: 12
Views: 2195

Re: Can my dad retire?

You should be able to get 30 years retirement at 4% annual withdrawal. See the WIKI for more info on various strategies on withdrawal. The question is how accurate is your living expenses? Will he need to buy a car or roof for the house. Is medical expenses in that number? 4% of 450k is $18,000 - so...
by HoosierJim
Sat Mar 30, 2019 12:09 pm
Forum: Personal Investments
Topic: Age in Bonds?
Replies: 38
Views: 3886

Re: Age in Bonds?

I think I need to be more bonds too but this isn't the most appealing chart: Daily Treasury Yield Curve Rates https://i.imgur.com/zEUczVO.png What does age in bond rules of thumb say about duration? Doesn't look rewarding to be 2-5 years out. Not sure how anyone or any institution could buy 30 year ...
by HoosierJim
Thu Mar 28, 2019 7:20 am
Forum: Personal Consumer Issues
Topic: What golf ball do you use?
Replies: 40
Views: 2041

Re: What golf ball do you use?

Usually a ball that was just purchased new by somebody else, then sliced into the woods on the 1st tee - many are pro v1's. The 2 other in the sleeve usually are nearby so most of the balls I hit have only been hit once (by somebody else). I rarely lose a ball so I have quite the inventory.
by HoosierJim
Wed Mar 27, 2019 8:32 pm
Forum: Personal Consumer Issues
Topic: Chess book recommendations
Replies: 8
Views: 619

Re: Chess book recommendations

Also look in to chess on your computer or phone. I have AI Factory's chess on my phone and play when bored. It has different levels and allows undo'ing your moves so if you want to try a different strategy from a chess book - you can run it over and over with slight variations.
by HoosierJim
Tue Mar 26, 2019 5:43 am
Forum: Personal Consumer Issues
Topic: How to Sell a Wyland Painting on My Bathroom Wall?
Replies: 74
Views: 6385

Re: How to Sell a Wyland Painting on My Bathroom Wall?

I recently cut a 5 x 5 foot square hole in my foyer to allow a large piece furniture to be moved into the house. Once the hole was complete, it was boxed and framed. Shelves now span the hole and the previous dark foyer now has some good sunlight. I can tell you that any stress on the front drywall ...
by HoosierJim
Mon Mar 25, 2019 7:00 am
Forum: Personal Investments
Topic: Is there any reason to buy a short term bond index versus long term one?
Replies: 26
Views: 2417

Re: Is there any reason to buy a short term bond index versus long term one?

.... Suppose I have a cash need in 5 years, like a house down payment. I pick an intermediate-term bond fund that as of the moment I picked it, had a duration that matched my holding period of 5 years. As time wears on, do I need to “rebalance” into a shorter-term fund, perhaps every year into a fu...
by HoosierJim
Sun Mar 24, 2019 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: What to do when client doesn't pay and ignores you?
Replies: 29
Views: 3596

Re: What to do when client doesn't pay and ignores you?

bertilak wrote:
Sun Mar 24, 2019 11:17 am
... homeowner who did not pay his HOA dues after repeated written requests.
I am guessing the HOA dues are more "collectable" since the HOA can put a lien and possibly foreclose on the property?
by HoosierJim
Sun Mar 24, 2019 9:52 pm
Forum: Personal Investments
Topic: Is there any reason to buy a short term bond index versus long term one?
Replies: 26
Views: 2417

Re: Is there any reason to buy a short term bond index versus long term one?

Great post by nisiprius (as usual) But it reminds me of my recent investigations into bonds and decided to look at german bonds for fun and was shocked that the 10 year is NEGATIVE. ... You wouldn't pay $1,000 for a bond that pays $1,000 ten years from now. Why would you do that, when you can use th...
by HoosierJim
Sat Mar 23, 2019 9:30 pm
Forum: Personal Consumer Issues
Topic: Replacing asphalt driveway
Replies: 16
Views: 2272

Re: Replacing asphalt driveway

Post a picture - it may not be as bad as YOU think. Since you may be selling - how are the other neighbor's driveways? Since that is what it will be compared with. Watch this repair video