Search found 1137 matches

by 2comma
Mon Jan 15, 2018 11:22 pm
Forum: Personal Consumer Issues
Topic: best flooring for a basement wood shop?
Replies: 27
Views: 1359

Re: best flooring for a basement wood shop?

I wanted solid hardwood flooring but because we have a slab foundation engineered is recommended due to moisture but I never found any engineered product I couldn't damage with my fingernail so I think you're right that it might not be durable enough for a shop. That led me to tile which led me to t...
by 2comma
Mon Jan 15, 2018 2:50 am
Forum: Investing - Help with Personal Investments
Topic: how to figure out the assest allocation that you can sleep well with
Replies: 22
Views: 1810

Re: how to figure out the assest allocation that you can sleep well with

For me it was an AA where I really didn't care - no fear and no greed. When I was in the accumulation phase 80/20 made sense and I did that for 25 years. As I approached retirement and really, really didn't want to see my investments keep me from my goal I became much more conservative. Now that I f...
by 2comma
Mon Jan 15, 2018 2:29 am
Forum: Personal Consumer Issues
Topic: neighborhood advice for Prague, Vienna, Budapest, and Athens
Replies: 11
Views: 605

Re: neighborhood advice for Prague, Vienna, Budapest, and Athens

I've been to Athens several times, my wife is Greek and her sister and BIL live in Athens. We usually go for "family stuff" but I've had several chances play the American tourist. I can see where Athens isn't everyone's favorite European city but it is also a large city that also has a fair number o...
by 2comma
Sat Jan 13, 2018 2:11 pm
Forum: Personal Consumer Issues
Topic: wireless dead again - router suggestions?
Replies: 35
Views: 1669

Re: wireless dead again - router suggestions?

Since you've had so many routers die I'd make sure it was on a new surge protector (I've read they decay with time) and make sure it has plenty of ventilation. I've read several instances where the wifi went out but the hardwired connections still worked. Recently I was looking for routers and read ...
by 2comma
Sat Jan 13, 2018 12:57 am
Forum: Personal Consumer Issues
Topic: Caribbean Recommendations
Replies: 3
Views: 686

Re: Caribbean Recommendations

Well, Petite St. Vincent has everything you want. https://www.nationalgeographiclodges.com/lodges/central-america-caribbean/petit-st-vincent-resort/about/#.WlmcQjdME2w . Their claim to fame is you raise the yellow flag for service, the red flag means give us some privacy. I've sailed past it a coupl...
by 2comma
Fri Jan 12, 2018 7:26 pm
Forum: Investing - Help with Personal Investments
Topic: Annuity - decision process & why ?
Replies: 3
Views: 340

Re: Annuity - decision process & why ?

A single premium immediate annuity at a later age makes sense for some. It's a simple concept anyone can understand - I'll give you a chunk of money and you'll pay me X amount for life. It is easy to price and compare these annuities. All of the others were built to be sold, I doubt 2% of buyers rea...
by 2comma
Fri Jan 12, 2018 6:27 pm
Forum: Personal Consumer Issues
Topic: Replacement Suggestions For Microwave Oven
Replies: 22
Views: 1220

Re: Replacement Suggestions For Microwave Oven

That's taking frugality to the next level! New counter top microwaves are cheap. Several years back we were talking about needing and extra microwave in the breakroom at work, the next day 3 showed up. For some reason people seem to have extras so if you ask around someone would probably be glad to ...
by 2comma
Thu Jan 11, 2018 11:18 pm
Forum: Personal Consumer Issues
Topic: [Lightning rods for my house? Or too "old fashioned"?
Replies: 32
Views: 1949

Re: [Lightning rods for my house? Or too "old fashioned"?

I don't think their old fashioned our newish office complex had them on all of the walkways connecting buildings (and I think on the building themselves) but I haven't seen any on a newer house. As a sailing enthusiast I do hear/read about boats, not just sailboats, getting hit fairly frequently and...
by 2comma
Thu Jan 11, 2018 6:50 am
Forum: Personal Finance (Not Investing)
Topic: Is it time for me to "call in rich"?
Replies: 75
Views: 12001

Re: Is it time for me to "call in rich"?

87,

If you quit now or work another 10 years you'll eventually retire and be faced with "now what" so you're going to have to figure this out . Obviously you don't have a money issue. Some don't do well in a non-structured environment and some thrive. Which lifestyle do you find more stressful?
by 2comma
Tue Jan 09, 2018 5:05 pm
Forum: Personal Consumer Issues
Topic: 2006 subaru timing belt replacement
Replies: 37
Views: 1156

Re: 2006 subaru timing belt replacement

Another vote for take it to an independent who agrees to use OEM parts or will let you purchase them if you can find one that agrees. I suspect any independent that specializes in that make already knows which aftermarket parts are good so maybe no worries on that issue. If I'm DIY I normally go wit...
by 2comma
Tue Jan 09, 2018 4:25 pm
Forum: Personal Consumer Issues
Topic: cost analysis on buying vs. renting skis?
Replies: 12
Views: 578

Re: cost analysis on buying vs. renting skis?

I went to a ski-swap in Boise, long time ago, where they had new, closeout, demo and used and got some decent stuff that all fit me for maybe the price of 5 or 10 rentals. Anything like that you have access to? If you look at the price you're paying for transportation, meals, lift-tickets and lodgin...
by 2comma
Tue Jan 09, 2018 4:02 pm
Forum: Personal Consumer Issues
Topic: Early Retirement Incentive Plan is generating paranoia in a co-worker
Replies: 37
Views: 4473

Re: Early Retirement Incentive Plan is generating paranoia

My experience with megacorp rumors was there was some wild speculation. Sometimes there was a grain of truth but the specifics were way off. The fact that the company has a out clause is to cover them in the event someone is considered vital and also in case way more people go for the plan than anti...
by 2comma
Tue Jan 09, 2018 3:26 pm
Forum: Personal Consumer Issues
Topic: Low mileage, but old, used car (service and reliabilty)
Replies: 20
Views: 1085

Re: Low mileage, but old, used car (service and reliabilty)

What I've found to watch out for on older cars that are otherwise trustworthy is the rubber bits. Things like fan belts and hoses can leave you on the side of the road so I replace them proactively when they are 7-10 years old. There are other rubber bits in the suspension and when they wear out can...
by 2comma
Tue Jan 09, 2018 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: home inspection on house I already live in?
Replies: 22
Views: 1903

Re: home inspection on house I already live in?

I'd guess if you've been there for 9 years you probably know more about the house than anyone. It's hard to believe any inspector can be an expert in all things house (plumber, electrician, structural engineer, HVAC, roofer). I did a walkthru with a father & son inspection team and they were checkin...
by 2comma
Tue Jan 09, 2018 2:38 am
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 151
Views: 14732

Re: Anyone disenchanted with retirement?

I envy the "love my work" people, wish I was one of them but I'm not. Had no great plan for retirement either but I have had some of life's best experiences without much of a plan. Four years in and absolutely no regrets. I've had money and no time, I've had time and no money, now I have both.
by 2comma
Tue Jan 09, 2018 2:16 am
Forum: Personal Finance (Not Investing)
Topic: Lowball offer on a home
Replies: 82
Views: 6881

Re: Lowball offer on a home

Sounds like you have a good idea of what the house is worth and you are not emotional about it. If they aren't interested in a fair price so be it. There really will be other fish in the sea, they have the product but you have the money. I think I am rational about home buying and was helping my gir...
by 2comma
Tue Jan 09, 2018 1:42 am
Forum: Personal Finance (Not Investing)
Topic: What To Do about DH – Dark Clouds on the Horizon
Replies: 9
Views: 2646

Re: What To Do about DH – Dark Clouds on the Horizon

My now wife and I were domestic partners then I heard there could be legal issues in our state if one of us needed to depend on the other to make medical decisions. Not the only reason we got married and it worked for us - less in taxes too! I wonder if you SO should need to spend down his assets in...
by 2comma
Mon Jan 08, 2018 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Lowball offer on a home
Replies: 82
Views: 6881

Re: Lowball offer on a home

If it really needs all that work it sounds like they have mispriced it. Has it been on the market long? I've seen, and I know I'm generalizing here, old couples that are out of touch with reality (they love their house) and in no hurry to sell. I guess sometimes they find a sucker but I'd guess they...
by 2comma
Mon Jan 08, 2018 2:49 am
Forum: Forum Issues and Administration
Topic: Help me understand question-less financial status (e.g. "2 comma club") threads.
Replies: 175
Views: 8422

Re: Help me understand question-less financial status (e.g. "2 comma club") threads.

IMHO, those threads are confirmations that the BH methods work, regardless of income levels. Encouragements to stay the course when markets tank. They are examples of people who make it via BH method despite 1987, 2000, 2008 so I will stick to my AA when the next one hit. The actionable benefits of...
by 2comma
Sat Jan 06, 2018 12:29 pm
Forum: Investing - Help with Personal Investments
Topic: Is it time for me to get my 401K out of the stock market?
Replies: 24
Views: 3859

Re: Is it time for me to get my 401K out of the stock market?

I wouldn't do anything because of the recent market whatever except rebalance back to my chosen AA. As I was reaching retirement age I backed off to 35/65. I didn't want to loose out on my chance to retire early, I'd made it and it doesn't bother me that I left some money on the table. A little late...
by 2comma
Fri Jan 05, 2018 7:57 pm
Forum: Forum Issues and Administration
Topic: Misuse of adverse when averse was meant
Replies: 145
Views: 5693

Re: Misuse of adverse when averse was meant

The two words that I struggle with the most are affect and effect. You wouldn't believe the affect this has on me mentally but I don't know how to effect a change. I had to look them up and I'm still not sure the sentence is correct. :( It's not. The first use of "affect" should be "effect". Both u...
by 2comma
Fri Jan 05, 2018 6:59 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 313
Views: 22491

Re: What frugal thing did you do today?

I skipped over this thread for several days but read it out of curiosity. After Victoria's staple (winner!) and luckyone's dime and a penny this could very well be my favorite thread of the year!
by 2comma
Fri Jan 05, 2018 6:47 pm
Forum: Forum Issues and Administration
Topic: Misuse of adverse when averse was meant
Replies: 145
Views: 5693

Re: Misuse of adverse when averse was meant

The two words that I struggle with the most are affect and effect. You wouldn't believe the affect this has on me mentally but I don't know how to effect a change. I had to look them up and I'm still not sure the sentence is correct. :(
by 2comma
Fri Jan 05, 2018 6:37 pm
Forum: Personal Consumer Issues
Topic: Best radiant floor heating system?
Replies: 6
Views: 523

Re: Best radiant floor heating system?

Go to johnbridge.com and ask, the forum has many pros and diy types that are glad to help. Might ask, or search, about the proper way to install the system just so you'll know your installer is doing it right.
by 2comma
Fri Jan 05, 2018 1:40 pm
Forum: Investing - Theory, News & General
Topic: Heading for a top?
Replies: 103
Views: 7645

Re: Heading for a top?

Well put Homer! Describes me to a 'T'. If I didn't read the forum I'd have no idea what the market is doing. I've only changed my AA once and it had everything to do with my age and nothing to do with what the market was doing.
by 2comma
Fri Jan 05, 2018 2:09 am
Forum: Personal Consumer Issues
Topic: Effects of extreme cold weather
Replies: 107
Views: 9602

Re: Effects of extreme cold weather

We spent one Thanksgiving morning in VA cleaning out the turkey in the bathtub because all the other pipes were frozen. Luckily our guests were from Michigan so he and I went into the crawl space with pots of warm water and used the wet rag technique to get all of the pipes working again. I didn't k...
by 2comma
Thu Jan 04, 2018 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation, starting late
Replies: 16
Views: 880

Re: Asset Allocation, starting late

The way to catch up is to invest more and you have control of that. Determine your expenses, make a budget, cut the fat and pay yourself first but create an emergency fund, you wouldn't have that 15K in CC debt if you had an emergency fund. I didn't start until early 30's and retired at 58 making a ...
by 2comma
Thu Jan 04, 2018 12:11 am
Forum: Investing - Theory, News & General
Topic: Hitting The Sell Button
Replies: 211
Views: 21621

Re: Hitting The Sell Button

The same thing, just rebalancing back into bonds. I'm retired 4 years and I went conservative a few years before that so I'm only seeing 5-6% growth but I'm not crying in my rootbeer, we've made it, my goal was to keep ahead of inflation and it helps that we'll both have modest pensions, SS plus our...
by 2comma
Wed Jan 03, 2018 8:25 pm
Forum: Personal Consumer Issues
Topic: Vacation, cabin, snowmobile & keeping warm
Replies: 25
Views: 2535

Re: Vacation, cabin, snowmobile & keeping warm

A big thanks to everyone that posted. I've been doing some serious researching thanks to the info you provided.
by 2comma
Wed Jan 03, 2018 3:44 am
Forum: Investing - Help with Personal Investments
Topic: Case Against Individual Stock Picking
Replies: 22
Views: 1789

Re: Case Against Individual Stock Picking

This has been studied in some detail. There was a nice summary in Meir Statman's book "Finance for Normal People" Here is a link to some of the text. I'd quote it in this thread, but it is just better to read it directly in the book. Scroll backwards a little bit to read from the beginning of the s...
by 2comma
Wed Jan 03, 2018 3:16 am
Forum: Personal Consumer Issues
Topic: Water filtration system - worth it?
Replies: 37
Views: 2678

Re: Water filtration system - worth it?

Is there any health concern if minerals are removed by such filtration? Of course, if the water is obviously bad to begin with like foul smell or off color... but what if the tap water is as clean as the city can provide? Thanks Sorry about quoting myself here.....but I am quite confused about all ...
by 2comma
Wed Jan 03, 2018 2:29 am
Forum: Personal Consumer Issues
Topic: Washer repair or replace?
Replies: 7
Views: 551

Re: Washer repair or replace?

I'm a cheapskate and if it was to be fixed I'd do it myself and even then I'd just go buy a new one. If I had to pay someone to fix it I'd probably buy a new matching dryer too. Our washer/dryer are about twice as old as yours but they keep on working...
by 2comma
Wed Jan 03, 2018 2:17 am
Forum: Personal Finance (Not Investing)
Topic: "New to Me" Money
Replies: 22
Views: 2832

Re: "New to Me" Money

You can do the investment part yourself pretty easily and it makes no difference how much you are investing, the basic principles work the same on a dollar as they do on a billion dollars. A couple of books, perhaps one from John Bogle and one from the BogleHeads and you'll learn that you just want ...
by 2comma
Tue Jan 02, 2018 9:43 pm
Forum: Personal Consumer Issues
Topic: Annoying/Loud Sidewall Power Venter
Replies: 6
Views: 441

Re: Annoying/Loud Sidewall Power Venter

I guess I didn't hit submit earlier. Let's see if I can remember what I said... Here is a video of an HVAC guy off to fix that venter: https://www.youtube.com/watch?v=kEqC1ybaJaw . On this one the motor/fan was ok but the housing was falling apart. It sounds like it's getting louder. If you're up to...
by 2comma
Tue Jan 02, 2018 9:26 pm
Forum: Personal Consumer Issues
Topic: Lost about $100 due to shipping issue?
Replies: 24
Views: 1769

Re: Lost about $100 due to shipping issue?

I just checked Guess website and it indicated that the 'return process' is complete. My USPS tracking still says it is in the same place that I dropped it off. So turns out I was just being impatient. Also, it just reaffirmed to never trust the USPS tracking system! It's getting better but not perf...
by 2comma
Tue Jan 02, 2018 9:13 pm
Forum: Personal Consumer Issues
Topic: Vacation, cabin, snowmobile & keeping warm
Replies: 25
Views: 2535

Re: Vacation, cabin, snowmobile & keeping warm

Something like this might work better than a balaclava: https://www.amazon.com/ZANheadgear-Black-Neoprene-Half-Face/dp/B000LVZVNE Another option is a 'snorkel' coat. The idea is that the rim around the hood creates a dead air pocket in front of your face. https://ssli.ebayimg.com/images/g/vw4AAOxyF...
by 2comma
Tue Jan 02, 2018 9:06 pm
Forum: Personal Consumer Issues
Topic: Vacation, cabin, snowmobile & keeping warm
Replies: 25
Views: 2535

Re: Vacation, cabin, snowmobile & keeping warm

Wow, that sounds fantastic and I had no idea people did 60 or 90 miles on snowmobiles. Even if I can't talk DW out of the cabin idea this sounds like a bucket list item for me! Thanks!
by 2comma
Tue Jan 02, 2018 5:10 pm
Forum: Personal Consumer Issues
Topic: Vacation, cabin, snowmobile & keeping warm
Replies: 25
Views: 2535

Re: A cabin in the snow

Still, even with my own boots my toes got cold, my feet may have been sweating or maybe I should have bought wool socks. I'm thinking Packer fans watching a Green Bay game must know a lot of stuff about keeping warm that I never learned. For the coldest snowiest weather, I always wear my Sorel boot...
by 2comma
Tue Jan 02, 2018 2:33 pm
Forum: Personal Consumer Issues
Topic: Vacation, cabin, snowmobile & keeping warm
Replies: 25
Views: 2535

Re: Vacation, cabin, snowmobile & keeping warm

Thanks for all of the resort ideas so far. I'm in research mode now. Keep em coming!

We don't need anything fancy, my wife would prefer to cook so we don't even care if there are no restaurants, tv's, phones and such. Just some good snow, no crowds and some firewood and we'll be happy.
by 2comma
Tue Jan 02, 2018 2:19 pm
Forum: Personal Consumer Issues
Topic: Vacation, cabin, snowmobile & keeping warm
Replies: 25
Views: 2535

Re: A cabin in the snow

Second question for those in the north who spend serious time outside in the cold. I was born in Jersey buy lived my entire life in the south and I remember freezing waiting for the bus in southern Georgia in the winter. You couldn't find good warm clothing back then in our area. I inherited an LL ...
by 2comma
Tue Jan 02, 2018 1:51 pm
Forum: Personal Consumer Issues
Topic: Vacation, cabin, snowmobile & keeping warm
Replies: 25
Views: 2535

Re: A cabin in the snow

runner9 wrote:
Tue Jan 02, 2018 8:25 am
You might benefit from retitling this. I saw the title and my first though was a nice picture. Something about a winter outdoor vacation and/or winter clothing might steer some people to your thread.
Yes, I wasn't happy with the title either so will try this title.
by 2comma
Tue Jan 02, 2018 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Who should we appoint as executor?
Replies: 33
Views: 2659

Re: Who should we appoint as executor?

I learned at a young age how weird this can all get when my mom an aunt went to clear out my grandmothers things. Believe me there was nothing of any value but a cousin had just married and needed everything to furnish their new house so in general my aunt thought most things should go to her daught...
by 2comma
Tue Jan 02, 2018 8:59 am
Forum: Personal Consumer Issues
Topic: Advice needed for paypal transaction
Replies: 14
Views: 936

Re: Advice needed for paypal transaction

I'd suspect stupidity over malice on this one. I sold a VW book at auction on ebay and the kid must have gotten wrapped up in the bidding process paying about double what the easily available book was worth new. At first I thought maybe he's in a remote area of Colorado so it's worth it to him. Look...
by 2comma
Tue Jan 02, 2018 1:33 am
Forum: Personal Consumer Issues
Topic: Vacation, cabin, snowmobile & keeping warm
Replies: 25
Views: 2535

Re: A cabin in the snow

Great info, I didn't know about the National Forest trails at all. Were you able to reach any of the attractions in the park? I managed to see most of the park the summer I was there but my wife has never seen Yellowstone. Any ideas of where we could fly into, Bozeman or something, and do most peopl...
by 2comma
Tue Jan 02, 2018 12:40 am
Forum: Personal Consumer Issues
Topic: Vacation, cabin, snowmobile & keeping warm
Replies: 25
Views: 2535

Vacation, cabin, snowmobile & keeping warm

Two questions. We've been talking about spending a week in a cabin and that includes snow (we don't get much snow where we live) and a fireplace, perhaps over Christmas but at least sometime when there is a guarantee there will be snow on the ground. I thought about ski resorts but my DW hates skiin...
by 2comma
Mon Jan 01, 2018 11:17 pm
Forum: Personal Consumer Issues
Topic: Lost about $100 due to shipping issue?
Replies: 24
Views: 1769

Re: Lost about $100 due to shipping issue?

I retired from the "largest fly-by-night outfit in the world". I was in IT so I don't know much about how SmartPost or Innovations really work but I grumble when I see the free shipping I am getting is using either of them. Fedex and UPS are leveraging their excess capacity so it makes sense for the...
by 2comma
Mon Jan 01, 2018 2:59 pm
Forum: Personal Consumer Issues
Topic: Personal hotspot for light internet surfing plus light tv streaming on Hulu/sling
Replies: 5
Views: 593

Re: Personal hotspot for light internet surfing plus light tv streaming on Hulu/sling

The cost of cell data is way to high. If you had a cheap data plan and only needed occasional use you could come out ahead but not if you're going to be streaming.
by 2comma
Mon Jan 01, 2018 2:26 pm
Forum: Personal Consumer Issues
Topic: use a personal hotspot on a plane?
Replies: 26
Views: 2126

Re: use a personal hotspot on a plane?

I'm a bit surprised how many of us didn't know how wifi is provided on airplanes. A little googling and I see there are air to ground systems and there are Ku band satellite systems. So now we've established you can have a wifi signal in the plane just like in a coffee shop and the question is can y...