Search found 1023 matches

by 2comma
Sat Nov 18, 2017 9:32 pm
Forum: Personal Consumer Issues
Topic: Electric Car (Nissan Leaf) for a teen driver?
Replies: 21
Views: 1439

Re: Electric Car (Nissan Leaf) for a teen driver?

I think you've found a good option. I have a friend with a Leaf and he's been using a 120V charger. He recently changed jobs so has to drive further and he's right at the edge of not having enough charge at the end of the week. I think you daughter should be fine with her mileage and will quickly fi...
by 2comma
Sat Nov 18, 2017 12:26 am
Forum: Personal Finance (Not Investing)
Topic: Take Pension or Lump Sum payout?
Replies: 12
Views: 1064

Re: Take Pension or Lump Sum payout?

I'd take the pension. I took the company pension without any COLA. At 4% I plan on about $40K from my 1M savings and $72K is way above that even if your worst fears materialize. There is a lot to be said for receiving a statement in the mail as you age vs managing your investments and depending on t...
by 2comma
Fri Nov 17, 2017 11:29 pm
Forum: Personal Consumer Issues
Topic: Where to buy new iPhone?
Replies: 19
Views: 1807

Re: Where to buy new iPhone?

This deal looks good: https://www.t-mobile.com/offers/deals-hub That's a good deal if you think signing up for T-mobile is also a good deal. If you quit, they demand full payment for the 'free' phone. I buy my phones outright and then pick the cheapest plan. Right now that's Cricket but I just orde...
by 2comma
Fri Nov 17, 2017 11:18 pm
Forum: Personal Consumer Issues
Topic: Replace TVs with Smart Tvs or not?
Replies: 34
Views: 2263

Re: Replace TVs with Smart Tvs or not?

I didn't pay much of a premium for the smart feature in our two modestly priced flat screen TV's but I never use it, I use the Roku. I think it's a lot more likely that Roku will keep up with new providers than TV vendors will in the future. The Samsung smart features are rather slow when I was play...
by 2comma
Thu Nov 16, 2017 12:56 am
Forum: Personal Finance (Not Investing)
Topic: 55+ Early retirement offer.
Replies: 47
Views: 5532

Re: 55+ Early retirement offer.

Sounds close to what happened to me 4 years ago at 58 with a voluntary buy-out offer and a profitable company. I had 25 years in and that got me 2 weeks shy of 2 years of pay - don't forget you'll pay high taxes on that. Company's retirement plan started at 60 with early retirement at 55 which I kno...
by 2comma
Thu Nov 16, 2017 12:09 am
Forum: Personal Consumer Issues
Topic: Creating External Exhaust for Microwave over Range - Need Reality Check
Replies: 26
Views: 2048

Re: Creating External Exhaust for Microwave over Range - Need Reality Check

... I have gotten extremely skilled at waving a towel in front of my smoke detector while my wife and children huddle in the corner and ask whether the house is going to burn down. OMG! It sounds like you have a fire hazard. People are trying to tell you about it, but you are ignoring them. :!: Fir...
by 2comma
Wed Nov 15, 2017 9:11 pm
Forum: Personal Consumer Issues
Topic: ASUS Student Chromebook - thoughts?
Replies: 22
Views: 1092

Re: ASUS Student Chromebook - thoughts?

I have never used a Chromebook but I think as long as he doesn't have any Microsoft software he just has to have a Chromebook is the right solution for most. The fact that it's a kids model wouldn't bother me at all, probably a good idea if he'll be traveling. I have an ipad but I didn't like using ...
by 2comma
Tue Nov 14, 2017 5:30 am
Forum: Personal Consumer Issues
Topic: Looking for a Catamaran
Replies: 21
Views: 1661

Re: Looking for a Catamaran

I grew up sailing in the Chesapeake Bay and now charter larger mono hulls and cats in the Caribbean, San Juan's and Greece for vacations, We'd need to know a lot more about your sailing area and wishes to make useful recommendations. As a mono hull sailor I found I liked cats a lot for my passengers...
by 2comma
Tue Nov 14, 2017 4:07 am
Forum: Personal Consumer Issues
Topic: Keurig died...what now?
Replies: 73
Views: 5150

Re: Keurig died...what now?

The secret is to buy a spare coffee maker. All of the competitively priced ones are junk. We have two spares in the attic - the current one just keeps on working, I think somehow it knows we don't care if it lives or dies!
by 2comma
Tue Nov 14, 2017 3:17 am
Forum: Personal Finance (Not Investing)
Topic: Borrowing from parents - what interest rate?
Replies: 52
Views: 3517

Re: Borrowing from parents - what interest rate?

We were living in a rental when our elderly landlord passed away. His estate lawyer called and said the beneficiaries wanted to sell us the house for its tax appraisal value, a huge discount. At first I declined, we wern't even thinking about buying a house but the lawyer impressed upon me how good ...
by 2comma
Sat Nov 11, 2017 9:27 pm
Forum: Personal Consumer Issues
Topic: DIY vs work extra and pay a pro
Replies: 37
Views: 2778

Re: DIY vs work extra and pay a pro

For me its never been about the money. I can afford to hire it out and perhaps many times it might have been cheaper in the long run to do so by the time I got it done and sometimes redone correctly. For me, it is about the satisfaction of doing it myself, it is about knowing that I can't blame any...
by 2comma
Fri Nov 10, 2017 1:13 am
Forum: Investing - Help with Personal Investments
Topic: Help with Mom's retirement money PLZ
Replies: 9
Views: 880

Re: Help with Mom's retirement money PLZ

Yep, they are being robbed by ML. My dad uses Raymond-James, same deal. He is not receptive to discussions of money, is doing fine financially, so I'm going to let it go. He's 91 so I can't make much difference, if he was 62 I might try a little harder. You'll know best how much help they may accept.
by 2comma
Wed Nov 08, 2017 12:35 am
Forum: Personal Consumer Issues
Topic: Furnace Issues
Replies: 30
Views: 1799

Re: Furnace Issues

Recommend that you just find a local HVAC guy that will come out and perform a diagnosis for a fixed fee, and see if he can ID the problem. I'm all for DIY where I can, but for $100-200 having someone take a look and definitively tell you what's wrong with it would be worth it. I did that recently ...
by 2comma
Tue Nov 07, 2017 11:56 pm
Forum: Personal Consumer Issues
Topic: Fair Price for a Kitchen Remodel
Replies: 34
Views: 2928

Re: Fair Price for a Kitchen Remodel

That seems high to me but I'm in the Mid-South so I'm sure not used to SD prices. Seems like basically you are getting new cabinets, counter tops and a new vent/hood - no flooring, electrical/plumbing/framing changes or appliances. I didn't hear any mention of new sink or faucet? Have you considered...
by 2comma
Sun Nov 05, 2017 11:27 pm
Forum: Investing - Help with Personal Investments
Topic: How has your AA philosophy changed over the years?
Replies: 45
Views: 3567

Re: How has your AA philosophy changed over the years?

My company had a good Vanguard plan. It took me a few years to build up to the max 401k contributions and a few years to find the BHs and decide 80/20 was the right AA for me during the accumulation phase. I planned to follow the age in bonds as I got older. I stumbled as the recession started. I wa...
by 2comma
Sat Nov 04, 2017 11:32 pm
Forum: Personal Finance (Not Investing)
Topic: Does Retirement Make You Lazier?
Replies: 87
Views: 7572

Re: Does Retirement Make You Lazier?

Well, since it gives you more time to be lazy it might seem like it makes you lazier. Me, somethings never change; I still yell at stupid drivers and I get anxious when my plate starts getting full or I want to go somewhere when I know traffic is going to be bad. Now I get get to be the old guy driv...
by 2comma
Sat Nov 04, 2017 10:16 pm
Forum: Personal Consumer Issues
Topic: Roof leaked
Replies: 3
Views: 690

Re: Roof leaked

That's pretty bad, roofers should know when (and how) to use tarps. I had an ice maker line freeze and burst. It was strung at about eye level length wise thru my attic so it simulated a roof leak more or less. I estimate we had water spraying in the attic for about 8 hours. The insurance cleanup cr...
by 2comma
Fri Nov 03, 2017 12:00 am
Forum: Personal Consumer Issues
Topic: Use Time Warner for home phone vs ATT
Replies: 9
Views: 774

Re: Use Time Warner for home phone vs ATT

I started using Ooma several years ago on the advice of several BH's. Perfect service, $5 and change. I don't recall ever having to reboot it.
by 2comma
Thu Nov 02, 2017 1:05 am
Forum: Personal Finance (Not Investing)
Topic: Low income but good savings rate... spend?
Replies: 23
Views: 2310

Re: Low income but good savings rate... spend?

I agree with others that some of what you are feeling will go away with time - it does take patience. But, I think delemer brings up a very good point about additional education/training to increase your income. I was an average HS student, got a bachelors degree in psychology and couldn't find any ...
by 2comma
Fri Oct 27, 2017 11:47 am
Forum: Personal Consumer Issues
Topic: Upgrade my Roku?
Replies: 34
Views: 3175

Re: Upgrade my Roku?

Use the tp-link PLC utility. http://www.tp-link.com/us/support/download-center Scroll down and pick your model number and select the utility category. It will show the speed on a line between your adapters. Oh, just checked, you can use the web based management interface also. Type http://tplinkplc....
by 2comma
Fri Oct 27, 2017 1:34 am
Forum: Personal Consumer Issues
Topic: Upgrade my Roku?
Replies: 34
Views: 3175

Re: Upgrade my Roku?

This article from 2015 mentions the "new Roku 2" and compares it to the Roku 3. If you have the new Roku 2 it looks like they have the same performance: http://www.pocket-lint.com/news/133452-new-roku-2-vs-new-roku-3-what-s-the-difference-hint-it-s-the-remote . The main extra features of the 3 are t...
by 2comma
Wed Oct 25, 2017 11:14 pm
Forum: Personal Consumer Issues
Topic: Do I Need a Chimney Cap?
Replies: 28
Views: 1877

Re: Do I Need a Chimney Cap?

Short answer is yes... I remember the day my BIL called and asked me to help him get the squirrel out of my MIL's living room.... Makes me smile just to think about it.... Peace.... I'm still laughing at myself. Heard noises in the chimney and saw some sticks. Maybe I was thinking it was birds, I d...
by 2comma
Sun Oct 22, 2017 2:11 am
Forum: Investing - Help with Personal Investments
Topic: Commission only fiduciary planner
Replies: 129
Views: 4997

Re: Commission only fiduciary planner

Thank you, I will read that. And you are right, prior to this I really did not know the costs of my investments with them. That is really me to blame however. They have a great reputation with many of the people I have talked to in the community. Too many people that have recommended them know that...
by 2comma
Sat Jul 29, 2017 9:49 pm
Forum: Personal Consumer Issues
Topic: Wooden flooring in kitchen
Replies: 51
Views: 4726

Re: Wooden flooring in kitchen

I guess I'll be the exception, I like porcelain tile. They have epoxy grouts now that are stain resistant - they never need to be washed or sealed.
by 2comma
Mon Jul 24, 2017 11:29 pm
Forum: Personal Finance (Not Investing)
Topic: 250/500/100 auto insurance too little
Replies: 3
Views: 644

Re: 250/500/100 auto insurance too little

Opinion, I think you're good. If you wanted more protection I think the preference would be to up the umbrella limit.
by 2comma
Mon Jul 24, 2017 10:58 pm
Forum: Personal Consumer Issues
Topic: Am I getting good advice - replace the AC, not the 21 year old furnace
Replies: 33
Views: 3082

Re: Am I getting good advice - replace the AC, not the 21 year old furnace

Funny you mentioned Goodman. When we did an addition I decided it was a good time to upgrade the AC and furnace. I negotiated on price only so of course he installed the least expensive unit he could find. No one I knew that I asked about brands and installers were any help while I was deciding but ...
by 2comma
Mon Jul 17, 2017 11:12 pm
Forum: Personal Consumer Issues
Topic: kitchen appliance recommendations, esp refrigerator
Replies: 32
Views: 2331

Re: kitchen appliance recommendations, esp refrigerator

We have a few "mom & pop" type appliance stores. They are surprisingly competitive on pricing, service and focus on the customer. We have an LG set (Refrigerator, Stove, Dishwasher, Microwave). The price was competitive with the Kenmore, GE, Amana packages. Spend part of a day kicking tires, seeing...
by 2comma
Mon Jul 17, 2017 10:06 pm
Forum: Personal Consumer Issues
Topic: Would you look for a general handyman for these home jobs?
Replies: 28
Views: 3064

Re: Would you look for a general handyman for these home jobs?

I prefer to do most of my own repair and maintenance work on my house as it saves me money and I learn new skills. 1) depends on the height of the roof and accessibility 2) I would definitely do myself 3) I would do this myself , just be sure to locate studs to drill into for mounting, and caulk th...
by 2comma
Wed Jul 12, 2017 3:50 pm
Forum: Personal Consumer Issues
Topic: New roof suggestions.
Replies: 29
Views: 3157

Re: New roof suggestions.

I had heard it was better to hand nail from a neighbor who was having her roof done. When I had mine done the contractor said they hand nail. I asked why is it better. He said because when you hit a knot or miss in a gap you know it so you can pull the nail out and move to a new spot to nail. My roo...
by 2comma
Thu Jul 06, 2017 9:34 am
Forum: Personal Consumer Issues
Topic: Surge Protector for Refrigerator
Replies: 36
Views: 3571

Re: Surge Protector for Refrigerator

Thanks Brandon!
by 2comma
Tue Jul 04, 2017 11:34 pm
Forum: Personal Consumer Issues
Topic: Surge Protector for Refrigerator
Replies: 36
Views: 3571

Re: Surge Protector for Refrigerator

Not meaning to highjack this thread but my electrical panel doesn't have any open slots to add more circuit breakers. It's my understanding that all these require adding a breaker to install. Any other options for me? Recall there are half-height 120v breakers (2x will fit in the space of 1x full-h...
by 2comma
Tue Jul 04, 2017 11:06 pm
Forum: Personal Consumer Issues
Topic: Surge Protector for Refrigerator
Replies: 36
Views: 3571

Re: Surge Protector for Refrigerator

Not meaning to highjack this thread but my electrical panel doesn't have any open slots to add more circuit breakers. It's my understanding that all these require adding a breaker to install. Any other options for me? Recall there are half-height 120v breakers (2x will fit in the space of 1x full-h...
by 2comma
Tue Jul 04, 2017 10:38 pm
Forum: Personal Consumer Issues
Topic: Surge Protector for Refrigerator
Replies: 36
Views: 3571

Re: Surge Protector for Refrigerator

Believe most that homeowners care about are self-sacrificial. When I researched this topic many years ago, recall most are based on semiconductor technology. Below a certain voltage (~300v?) they are an insulator. Above that voltage, they become a partial conductor to dissipate the *excess* voltage...
by 2comma
Mon Jul 03, 2017 10:45 pm
Forum: Personal Consumer Issues
Topic: Expensive Car Repair, New Engine
Replies: 51
Views: 4040

Re: Expensive Car Repair, New Engine

Naw, I wasn't actually trying to be sarcastic. I have a great deal of respect for anybody that can get that certification from Ford. What I probably should have said is I've been rebuilding engines since I was 13 (49 years now) and something there just doesn't add up. A friend who I hadn't seen for ...
by 2comma
Mon Jul 03, 2017 8:48 pm
Forum: Personal Consumer Issues
Topic: Expensive Car Repair, New Engine
Replies: 51
Views: 4040

Re: Expensive Car Repair, New Engine

certifiedfordtec wrote:As a certified master mechanic by Ford, something doesn't add up. Get a second opinion.
+1 and I'm a certified shade tree mechanic.
by 2comma
Mon Jul 03, 2017 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: Investing 7 years into retirement - reallocation
Replies: 9
Views: 1125

Re: Investing 7 years into retirement - reallocation

These thoughts from Rick Ferri made a lot of sense to me when I retired but it's not for everyone: https://portfoliosolutions.com/latest-l ... y-retirees
by 2comma
Mon Jul 03, 2017 12:01 am
Forum: Investing - Help with Personal Investments
Topic: Stable Value Questions
Replies: 12
Views: 1652

Re: Stable Value Questions

Yes, it is net of the ER. I agree but I have almost all of my fixed income in the 401k plan and almost of my stock funds in IRAs, Roth and traditional, and individual account so my headroom for CD's is limited. A while back someone found a 3.04% 3 year CD (NorthWest CU offer) and I did jump on that ...
by 2comma
Sun Jul 02, 2017 11:33 pm
Forum: Personal Finance (Not Investing)
Topic: Rich Inlaws - Buy Us a House and Let Us Live Rent Free/Cheap?
Replies: 28
Views: 2862

Re: Rich Inlaws - Buy Us a House and Let Us Live Rent Free/Cheap?

Well, at least you now know what your FIL really means when he says he'll get back to you.
by 2comma
Sun Jul 02, 2017 11:20 pm
Forum: Investing - Theory, News & General
Topic: Podcast: The Money Fixers
Replies: 0
Views: 495

Podcast: The Money Fixers

Recently listened to the NPR podcast episode #781, "The Money Fixers". This is about what the people in the mutilated currency division do when people submit unusable money. I found it interesting that people still bury money in the back yard. The link is http://www.npr.org/sections/money/2017/06/30...
by 2comma
Sun Jul 02, 2017 11:09 pm
Forum: Investing - Help with Personal Investments
Topic: Stable Value Questions
Replies: 12
Views: 1652

Re: Stable Value Questions

I stayed in the 401k partially to keep the stable value fund. The other reason is the 401k is at Vanguard and it has institutional index funds with somewhat lower ERs than Admiral. I just looked and my stable value is 1.99% with a .30 ER. The plans Total Bond Index offering just switched to the inst...
by 2comma
Sat Jul 01, 2017 9:00 am
Forum: Investing - Help with Personal Investments
Topic: Are Annuities A Worthwhile Retirement Investment?
Replies: 52
Views: 6060

Re: Are Annuities A Worthwhile Retirement Investment?

I think, after reading probably all the posts about annuities (over several years) the general consensus is the SPIA (Single Premium Immediate) is considered the "good annuity" and all of the others are the "bad annuities". An SPIA is an easy thing to understand and compare. The rest contain a whole...
by 2comma
Sat Jul 01, 2017 6:51 am
Forum: Personal Consumer Issues
Topic: Wrecked Vehicles and Whether or Not to Keep Them
Replies: 34
Views: 2407

Re: Wrecked Vehicles and Whether or Not to Keep Them

Sounds like you really hate the car but you know the money could be better spent on other necessities. The car is worth what it's worth because it provides reliable transportation. I don't think you can financially justify selling it now to save on depreciation expense later. I'd keep it and think o...
by 2comma
Sat Jul 01, 2017 5:31 am
Forum: Personal Finance (Not Investing)
Topic: Chances of delaying Social Security to age 70. Realistic?
Replies: 54
Views: 4482

Re: Chances of delaying Social Security to age 70. Realistic?

Some of the posters are using a little shorthand to describe social security benefits taxation. Either that, or they don't understand. SS benefits are not taxed at 85 %, even with tax torpedoes, or humps, or whatever. Instead, a maximum of 85 % of SS benefits are considered taxable income. So socia...
by 2comma
Tue Jun 27, 2017 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Middle age job blues
Replies: 86
Views: 9518

Re: Middle age job blues

I hear you. My fortune 500 started embracing offshoring/green card holders in a big way a few years back. I've seen a sea change in IT in my 30 years. So much so that I stopped recommending the IT field to young people. I tell youngsters they need to get into things that can't be off shored like nur...
by 2comma
Mon Jun 26, 2017 8:20 pm
Forum: Personal Consumer Issues
Topic: [Sam's Club, Costco, BJ's, and other wholesaler clubs]
Replies: 274
Views: 15840

Re: Sam's Club vs. Costco

This is a timely post for us and I hoped it would help me decide between the two but it really hasn't yet. We've been using Sams for several years which is just ok to me. I mostly hear about Costco at Bogleheads.org and I have a foodie friend that loves Costco so I've been thinking about changing. P...
by 2comma
Mon Jun 26, 2017 3:29 am
Forum: Personal Consumer Issues
Topic: Things to do in Iowa/Nebraska
Replies: 73
Views: 4343

Re: Things to do in Iowa/Nebraska

I love this approach. Have done many impromptu vacations, even parts of our honeymoon and they were the best. When I was younger worked a summer in Yellowstone NP, decide to do some potato harvesting in Idaho and literally drove to a T intersection once and had to decide to go left (West to adventur...
by 2comma
Mon Jun 26, 2017 2:48 am
Forum: Personal Finance (Not Investing)
Topic: Just found out my wife is pregnant.
Replies: 15
Views: 2570

Re: Just found out my wife is pregnant.

I was going to chastise you on your title and say, no, "we are pregnant". I see you said that right of the bat! I'll second or third the idea of finding people, who preferably had just one kid, who are selling baby clothes, changing tables, stuff like that. We found a gal that was selling tons of bo...
by 2comma
Sun Jun 18, 2017 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: Change Auto & Umbrella Insurance after 52 years?
Replies: 21
Views: 2289

Re: Change Auto & Umbrella Insurance after 52 years?

In this day and age I've read it pays to shop your insurance rate every year or two. I think most insurance companies slowly increase their rates hoping you won't check to see if some other company offers a better rate. I see no benefit to being a long time customer.
by 2comma
Wed Jun 14, 2017 1:38 am
Forum: Personal Consumer Issues
Topic: Best windows based laptop
Replies: 24
Views: 1526

Re: Best windows based laptop

I value light and smaller these days so a 13" Asus Zenbook was right for me pricewise. My wife didn't care about size/weight so I bought her a 15" Acer. Both have 256MB SSD's - the difference is astounding speed wise over a physical drive. Neither of us use much storage but if I needed more I'd use ...
by 2comma
Tue Jun 06, 2017 11:56 pm
Forum: Personal Consumer Issues
Topic: DIY Toilet Repair Questions
Replies: 6
Views: 1057

Re: DIY Toilet Repair Questions

I've also never seen the rubber washers between the tank and the bowl fail but they do put out an incredible amount of black stuff on anything that touches them. I wouldn't worry about it - ours are almost 50 years old and no leaks. As far as the extra parts in the kit; they're made to fit a number ...