Search found 429 matches

by flossy21
Wed Dec 12, 2018 8:20 am
Forum: Personal Consumer Issues
Topic: Donate to homeless?
Replies: 84
Views: 3947

Re: Donate to homeless?

Somewhere I read about this and the suggestion was to carry a gallon sized ziploc bag in your car with socks, a toboggan, a bus pass or subway tokens, wet knaps, chapstick, toothbrush, toothpaste, gloves, blanket, etc. in it. When you pull up to a light and there is a panhandler then you can give th...
by flossy21
Fri Nov 16, 2018 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: [Financial] Habits of the Rich
Replies: 222
Views: 29286

Re: [Financial] Habits of the Rich

There is a lot of of great advice in this thread. I would add this... Become knowledgeable about things like plumbing, carpentry, electrical, automotive, etc. I'm not saying you have to be an expert and I'm not saying you have to do the work yourself but you need to know enough not to get fleeced by...
by flossy21
Wed Oct 31, 2018 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: "Do you have any questions for the interview panel?" Suggestions.
Replies: 14
Views: 1320

Re: "Do you have any questions for the interview panel?" Suggestions.

I would ask..

"Let's say I go to work here and we are sitting down for my annual review. What are the 3 things I need to accomplish in the first year on the job in order for you to say I've been successful?"
by flossy21
Wed Oct 24, 2018 2:55 pm
Forum: Personal Consumer Issues
Topic: Block fireplace draft
Replies: 19
Views: 1244

Re: Block fireplace draft

If the fireplace was retrofitted to use gas then there may be an ash clean out trapdoor under the gas unit. You could verify this by checking the chimney outside near the base. You should see a door out there if that is the case. Then you just need to open the door and stuff that cavity full of insu...
by flossy21
Tue Oct 16, 2018 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Job Offer – bonus details provided after acceptance
Replies: 26
Views: 1886

Re: Job Offer – bonus details provided after acceptance

You should ask for a one on one call with the "boss' boss". In that call you should lay your cards on the table to him/her. Basically say that you are flattered by the offer but, given the minimal increase to base, the decision hinges on your ability to achieve bonus. Ask him/her to outline the thin...
by flossy21
Thu Oct 11, 2018 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Salary Negotiations: Guaranteed Money or Potential
Replies: 8
Views: 1011

Re: Salary Negotiations: Guaranteed Money or Potential

In sales you are only as good as the revenue you are bringing into the company. You have to bring in 2x or more than you eat. If you don't do that then it won't matter what you choose because you will get pushed out in favor of someone who can deliver that kind of sales. If you are confident that yo...
by flossy21
Wed Oct 10, 2018 1:03 pm
Forum: Investing - Help with Personal Investments
Topic: invest in sears bond maturing next week 10/15 , trading at 58c on the $
Replies: 18
Views: 2661

Re: invet in sears bond maturing next week 10/15 , trading at 58c on the $

I don't know about the Bogleheads' advice but I think that sounds like a great way to lose some money.
by flossy21
Wed Oct 10, 2018 7:50 am
Forum: Personal Finance (Not Investing)
Topic: Anyone Switch from Quicken (Windows) to Bankivity or Moneydance?
Replies: 4
Views: 484

Re: Anyone Switch from Quicken (Windows) to Bankivity or Moneydance?

I've never heard of Bankivity. I use Moneydance on the Mac. I did make the switch from PC to MAC back in 2010 timeframe and needed to find a substitute for Quicken since Quicken for Mac is a lousy program. You can import all of your Quicken data as well. For me this required some cleanup but I was a...
by flossy21
Mon Oct 01, 2018 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Help me manage my day to day bills to save more!!
Replies: 45
Views: 3643

Re: Help me manage my day to day bills to save more!!

When you put in the new furnace and AC unit you can also install a unit that uses the waste heat from the AC unit to heat your pool.

Right now the heat pump is exhausting hot air that can be used to heat your pool. Here's an example of a product.

http://www.hotspotenergy.com/pool-heater/
by flossy21
Tue Sep 25, 2018 10:43 am
Forum: Personal Consumer Issues
Topic: Water filters and vacuum cleaners.
Replies: 13
Views: 1463

Re: Water filters and vacuum cleaners.

Wirecutter recently updated their robot vacuum recommendations. There are cheaper units out there that are more highly rated.

https://thewirecutter.com/reviews/best-robot-vacuum/
by flossy21
Mon Sep 10, 2018 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Hourly cost of air conditioning?
Replies: 23
Views: 2222

Re: Hourly cost of air conditioning?

The coolant for the older units is being phased out due to environmental concerns. "As of 1 January 2020, the chemical HCFC-22, which a principal component of the trade-named refrigerant “Freon,” will no longer be produced in or imported by the United States." Basically once that older unit develops...
by flossy21
Mon Sep 10, 2018 11:41 am
Forum: Personal Consumer Issues
Topic: Hurricane Florence - survival guide
Replies: 87
Views: 6726

Re: Hurricane Florence - survival guide

Also - refill your propane tanks. I say tanks because you should have a backup.

Even if you lose power you can always grill and eat all the freezer stuff that is now going to spoil in your freezer.

Plus if you have a side burner on your grill you can boil water.
by flossy21
Mon Sep 10, 2018 10:05 am
Forum: Personal Consumer Issues
Topic: Advice on how to deal with barking dogs
Replies: 59
Views: 5303

Re: Advice on how to deal with barking dogs

Here's an electronic option. Looks like a birdhouse. Basically ultrasonic response to the dog's bark.

https://www.petsafe.net/bark-control/deterrents
by flossy21
Thu Sep 06, 2018 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Should I keep my financial advisor
Replies: 131
Views: 8045

Re: Should I keep my financial advisor

You could always go with Vanguard's Personal Advisor Service. This would be a step in the direction of managing your own money but not full tilt. https://investor.vanguard.com/advice/personal-advisor Vanguard PAS charges 0.30% per year. So for your $200k it would be $600 or about 10% of what you are...
by flossy21
Tue Aug 28, 2018 11:11 am
Forum: Personal Consumer Issues
Topic: Summer Day A/C Issues
Replies: 41
Views: 2341

Re: Summer Day A/C Issues

It sounds like there is some kind of an issue with the HVAC system but it is the height of summer so maybe you have just reached the limit of what your system can do? It's hard to say. I'd definitely get a second opinion from another company/technician. Do you have a programmable thermostat? The sma...
by flossy21
Tue Aug 28, 2018 7:11 am
Forum: Personal Finance (Not Investing)
Topic: Dealing with death and the family finances
Replies: 21
Views: 3036

Re: Dealing with death and the family finances

I don't envy you on this. It sounds like there may be life insurance, credit cards, etc. that you may never know of until you get something in the mail. I would pull a credit report on both of them. That should give you an idea of outstanding cards/debt. I would also look over the past few years' ta...
by flossy21
Tue Aug 21, 2018 11:49 am
Forum: Personal Consumer Issues
Topic: Graduate Degree Mistakenly (?) Conferred - What to Do? [solved]
Replies: 76
Views: 7509

Re: Graduate Degree Mistakenly (?) Conferred - What to Do?

Suppose your CO contacted you and said you had been nominated for a medal. A Bronze Star for instance. The problem is that you know you didn't do the things that supposedly earned you the nomination. Would you tell your CO the truth?
by flossy21
Tue Aug 21, 2018 10:52 am
Forum: Investing - Help with Personal Investments
Topic: Lively HSA: Which TDA fund to invest in?
Replies: 17
Views: 1365

Re: Lively HSA: Which TDA fund to invest in?

You'll need to provide more info to get the answer you want. Based on your target Asset Allocation you need to decide where you want to add funds. I have my TDA through Lively in SPDW which is SPDR S&P World ex-US because I needed to add to my International Allocation at the time. You may need more ...
by flossy21
Wed Aug 08, 2018 12:01 pm
Forum: Investing - Help with Personal Investments
Topic: Help me understand a 'Life Income Plan' ?
Replies: 19
Views: 1978

Re: Help me understand a 'Life Income Plan' ?

It sounds like you've done some homework but maybe you haven't seen the Bogleheads wiki? You are somewhere between 5, 6 & 7 so you might benefit from reading there. https://www.bogleheads.org/wiki/Bogleheads%C2%AE_investing_start-up_kit Contents 1 Are you ready to invest? 2 Educate yourself 3 Create...
by flossy21
Tue Jul 31, 2018 3:18 pm
Forum: Personal Consumer Issues
Topic: Scratched Apple Watch
Replies: 15
Views: 1097

Re: Scratched Apple Watch

Apparently it is repairable. Here's a link to a DIY website. I imagine you can find a vendor somewhere who will do it for a fee.

https://www.ifixit.com/Guide/Apple+Watc ... ment/41082
by flossy21
Fri Jul 27, 2018 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Using Recruiters/Headhunters to find a new job?
Replies: 27
Views: 1062

Re: Using Recruiters/Headhunters to find a new job?

Depending on your location it can be illegal for employers, and their agents, to ask for your salary history.

Here's a list of states & cities that have enacted this kind of legislation.

https://www.hrdive.com/news/salary-hist ... st/516662/
by flossy21
Mon Jul 23, 2018 10:52 am
Forum: Personal Consumer Issues
Topic: Dealing with HOA Notice
Replies: 118
Views: 10151

Re: Dealing with HOA Notice

When you bought your home there was a document in your closing package that you were required to sign which signified that you acknowledge receipt of the covenants and that you would abide by those covenants. In short, you signed a legal contract with the HOA. My advice would be to reach out to the ...
by flossy21
Fri Jul 13, 2018 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Logging out 20 acre lot?
Replies: 37
Views: 2729

Re: Logging out 20 acre lot?

A couple of other ideas...

Look into renting out or selling the gas/mineral rights depending on the location.

You might also be able to rent to hunters who want a private hunting preserve.
by flossy21
Fri Jul 13, 2018 9:51 am
Forum: Investing - Help with Personal Investments
Topic: Investing for my homeowner's association
Replies: 33
Views: 2061

Re: Investing for my homeowner's association

I think others are giving you good advice. Anything not FDIC insured or backed by US Gov't is probably too risky. You don't want to risk a lawsuit or the appearance of impropriety when you are a fiduciary of the 501(c) Corp. Can you do a CD Ladder that is full of 5 year CD's? It would juice your yie...
by flossy21
Thu Jul 12, 2018 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Selecting HSA custodian
Replies: 14
Views: 1214

Re: Selecting HSA custodian

I also use and recommend Lively. It is the best out there for people that use their HSA as an investment vehicle. $2.50 a month is all they charge and the fee comes out of a linked bank account..not your HSA funds. You can invest 100% of your HSA funds from day one. No hold backs or minimums. They o...
by flossy21
Mon Jul 09, 2018 10:46 am
Forum: Personal Consumer Issues
Topic: Monthly Water Usage
Replies: 61
Views: 4529

Re: Monthly Water Usage

"...in the process of replacing the toilets with smaller tanks." You might try putting a rock or even a brick in the tank on your existing toilet. Somewhere away from the flushing mechanism. The brick/rock takes up space that would normally be water. See if it effects the quality of flush. I think y...
by flossy21
Mon Jul 02, 2018 9:06 am
Forum: Investing - Help with Personal Investments
Topic: What % of your equity is int’l?
Replies: 141
Views: 8699

Re: What % of your equity is int’l?

I'm at about 39% of equity.

3 fund portfolio..

25% Intl Equity - VTIAX
40% Domestic Equity - VTSAX
35% Bond - VBTLX
by flossy21
Fri Jun 22, 2018 7:29 am
Forum: Personal Consumer Issues
Topic: Outdoor Wooden Steps Repair?
Replies: 19
Views: 1344

Re: Outdoor Wooden Steps Repair?

If the plank that is damaged is otherwise solid then one option would be to remove the damaged plank and flip it over. You would need to sand the face of it to clean it up and then stain. It depends on if you can remove the gouged plank with out damaging it further.
by flossy21
Fri Jun 01, 2018 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance rates increasing?
Replies: 9
Views: 761

Re: Insurance rates increasing?

...the underwriter said there are increases across the board. Basically you are subsidizing the insurance company's ability to offer low up front teaser rates to new customers. The up front teaser rates are offset by gouging people who won't change insurers even when they are getting hit with 20%+ ...
by flossy21
Fri Jun 01, 2018 9:22 am
Forum: Personal Consumer Issues
Topic: What exactly causes a spring mattress to wear out?
Replies: 27
Views: 2532

Re: What exactly causes a spring mattress to wear out?

The mites pile up to the point that the mattress is more mites than textile. Mattresses do accumulate a significant amount of dead skin cells and thus the dust mites that eat them, but the mattress weight doubling because of this is an urban myth. The vast majority of people aren't allergic to dust...
by flossy21
Fri Jun 01, 2018 8:27 am
Forum: Personal Consumer Issues
Topic: What exactly causes a spring mattress to wear out?
Replies: 27
Views: 2532

Re: What exactly causes a spring mattress to wear out?

The textile components of your mattress are a great breeding ground for dust mites which feed off of the skin that you shed. The mites pile up to the point that the mattress is more mites than textile. I think you feel this as the mattress begins to degrade. http://www.slate.com/blogs/the_drift/2015...
by flossy21
Wed May 23, 2018 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken - Do you use it?
Replies: 59
Views: 4283

Re: Quicken - Do you use it?

I used Quicken on Windows PC's from 1997 to about 5-6 years ago. I switched to a Mac and Quicken for Mac is pretty lousy so I exported all my info to Moneydance which is a competing product. It took some clean up but ultimately I had all my old Quicken data in Moneydance and have continued using it ...
by flossy21
Wed May 16, 2018 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Insurance Comparison Strategy
Replies: 3
Views: 394

Re: Insurance Comparison Strategy

I had State Farm for years and my parents did before me. Rates would be increased every so often and the agent really couldn't do much for us. We never made any claims or had anything more than the occasional speeding ticket every 2 or 3 years. I finally had enough and went out to an independent bro...
by flossy21
Wed May 02, 2018 10:54 am
Forum: Personal Consumer Issues
Topic: Relocation with 'lump sum' bonus
Replies: 11
Views: 940

Re: Relocation with 'lump sum' bonus

Here's a link to a resource that may or may not be helpful. The company specializes in helping individuals like yourself who are moving for work related reasons. Among other a la carte services they will seek out pack and move quotes on your behalf. They get preferential pricing from the moving comp...
by flossy21
Mon Apr 30, 2018 11:48 am
Forum: Personal Consumer Issues
Topic: Preventing Smoke from Seeping In
Replies: 22
Views: 2596

Re: Preventing Smoke from Seeping In

If it were me. I would pick up a can or two of spray foam insulation like this... https://www.amazon.com/GREAT-STUFF-Fireblock-Insulating-Sealant/dp/B001AQ3OGA/ref=sr_1_1_sspa?ie=UTF8&qid=1525106600&sr=8-1-spons&keywords=spray+foam&psc=1 I'd shut off the breaker for the light and any switch plates o...
by flossy21
Fri Apr 20, 2018 11:01 am
Forum: Personal Finance (Not Investing)
Topic: New car hit accident - loss of dimished value
Replies: 50
Views: 6881

Re: New car hit accident - loss of dimished value

Call your insurance company or go to their website and ask/look for a diminished value claim form. You will have to fill it out and return it and you will need to provide some sort of detail as to why you think there is a diminished value claim. The insurer will approve or decline. If they approve t...
by flossy21
Fri Apr 13, 2018 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Unaffordable prescription drug
Replies: 42
Views: 4418

Re: Unaffordable prescription drug

I'd look into Canadian Pharmacy options.

This was discussed previously in this thread -- viewtopic.php?t=231683
by flossy21
Tue Apr 03, 2018 1:18 pm
Forum: Personal Consumer Issues
Topic: Big time home inspection issues
Replies: 44
Views: 5793

Re: Big time home inspection issues

Just figured I’d give anyone who was interested a final update. My home inspector called me today out of the blue and said that she really doesn’t think we should move forward on the house. By her estimation there could be upwards of $150k worth of rehab needed on the house. We are cancelling the d...
by flossy21
Fri Mar 23, 2018 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Spoke to a financial advisor yesterday - what do you think he's up to?
Replies: 81
Views: 9420

Re: Spoke to a financial advisor yesterday - what do you think he's up to?

It sure sounds sketchy given that a 3 fund portfolio with Admiral shares at Vanguard or the equivalent funds at Fidelity would cost you <0.10 expense ratio annually. You seem tempted all the same. If you're going to give him a chance does it have to be all or nothing? Why not give him some rope and ...
by flossy21
Tue Mar 20, 2018 12:02 pm
Forum: Personal Consumer Issues
Topic: Large life style creep that was completely worth it
Replies: 112
Views: 15938

Re: Large life style creep that was completely worth it

A while back we upgraded our shower from a fiberglass enclosure to a tile shower with a seat and glass surround. We also put in a hand wand and body jets in addition to the shower head. It has been a very nice upgrade on something we use daily. Also -- I've found that hiring a lawn service and someo...
by flossy21
Tue Mar 20, 2018 6:39 am
Forum: Investing - Theory, News & General
Topic: Do you Continue to invest even in down market??
Replies: 54
Views: 7276

Re: Do you Continue to invest even in down market??

Dec. 10, 2001: Warren Buffett on the stock market “To refer to a personal taste of mine, I’m going to buy hamburgers the rest of my life. When hamburgers go down in price, we sing the ‘Hallelujah Chorus’ in the Buffett household. When hamburgers go up in price, we weep. For most people, it’s the sam...
by flossy21
Thu Mar 15, 2018 7:38 am
Forum: Investing - Help with Personal Investments
Topic: Review of my full portfolio - am I on the right track?
Replies: 14
Views: 1610

Re: Review of my full portfolio - am I on the right track?

It seems like you are missing some fundamentals. Why are you saving & investing? - Retirement? Financial Independence? If it is for retirement then AT WHAT AGE do you want to achieve Financial Independence (FI) such that you can retire and forego future job related income? How much money do you want...
by flossy21
Tue Mar 13, 2018 10:55 am
Forum: Personal Consumer Issues
Topic: House Hunting Concerns With Well
Replies: 41
Views: 4022

Re: House Hunting Concerns With Well

I recently saw an episode of "Ask This Old House" where a couple discovered Radon Gas in their Well Water and had to install a system to mitigate the Radon. I googled this issue and see that the CDC offers a website. See below for future reference. If I bought a house with a well I'd insist on a Wat...
by flossy21
Wed Mar 07, 2018 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Should I "get divorced" for tax purposes (PSLF)
Replies: 57
Views: 4404

Re: Should I "get divorced" for tax purposes (PSLF)

The IRS has already address this issue. I suggest you Google this phrase... "Revenue Ruling 76-253 specifies that the agency will disregard a divorce obtained solely to save taxes and will require the couple to recalculate their taxes as if they had stayed married for the entire year, making the cou...
by flossy21
Tue Mar 06, 2018 1:02 pm
Forum: Personal Consumer Issues
Topic: Re-touching dark plastics inside car
Replies: 8
Views: 863

Re: Re-touching dark plastics inside car

There are interior wrap products that let you customize the car's interior. It can be done DIY but certainly better results if you get a pro. Here's an example...

http://www.instructables.com/id/How-to- ... rbon-fibe/
by flossy21
Fri Feb 16, 2018 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: I'm Cancelling My Home Insurance
Replies: 156
Views: 13295

Re: I'm Cancelling My Home Insurance

To each his own I suppose but it seems like you would basically be opening yourself up to the potential situation where a fraudster would target you for negligence. An example might be where a passerby on the sidewalk gets hit by a rock from your lawn mower and claims multiple debilitating injuries ...
by flossy21
Thu Feb 15, 2018 12:05 pm
Forum: Investing - Theory, News & General
Topic: Wisdom of Bitcoin
Replies: 90
Views: 8401

Re: Wisdom of Bitcoin

I heard on NPR this morning that the IRS is going to get aggressive with people who aren't reporting their crypto-currency gains on their taxes. Apparently none of the exchanges issue 1099's so its up to the individual currency holder to report honestly. Of course...they mostly aren't reporting at a...
by flossy21
Fri Feb 09, 2018 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken Alternatives
Replies: 27
Views: 3931

Re: Quicken Alternatives

Moneydance is a one time purchase ($50).

http://moneydance.com/
by flossy21
Fri Feb 09, 2018 12:17 pm
Forum: Personal Consumer Issues
Topic: Best TV options for multiple residences?
Replies: 9
Views: 699

Re: Best TV options for multiple residences?

You could also look into a Slingbox (see link below). Basically it connects to the cable box at one location and lets you watch content from that location anywhere (phone, tablet, other TV's).

You'll need a strong internet connection at all 3 locations for it to work.

http://www.slingbox.com/
by flossy21
Fri Feb 09, 2018 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken Alternatives
Replies: 27
Views: 3931

Re: Quicken Alternatives

The question you ask is one that is commonly discussed here. Try doing a search for "Quicken" on this forum. You'll find multiple recent threads that address the question. I personally use Moneydance after moving from Quicken several years ago. There are other alternatives as well. Here's a recent t...