Search found 407 matches

by flossy21
Fri Jul 13, 2018 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Logging out 20 acre lot?
Replies: 37
Views: 2468

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: 1732

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: 9
Views: 567

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: 3959

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: 7741

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: 1215

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: 697

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: 2155

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: 2155

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: 50
Views: 2764

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: 326

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: 828

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: 2331

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: 47
Views: 5670

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: 3971

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: 5458

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: 8753

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: 14965

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: 6713

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: 1461

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: 3624

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: 4107

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: 807

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: 12395

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: 7614

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: 25
Views: 2789

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: 623

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: 25
Views: 2789

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...
by flossy21
Thu Feb 08, 2018 8:35 am
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 318
Views: 26333

Re: free dinner investing seminar

If you want some idea of what to expect then check out this link... http://www.wealthmanagement.com/forums/prospecting-marketing-and-selling/successful-seminars This is a link to the forum for Registered Reps. Basically the Boglehead's nemesis. As you will see, if you attend and don't buy then you a...
by flossy21
Wed Feb 07, 2018 4:21 pm
Forum: Personal Consumer Issues
Topic: How to stop mail for former occupants?
Replies: 103
Views: 6591

Re: How to stop mail for former occupants?

I sometimes get offers that are addressed to me or others with return envelopes inside that are prepaid postage. I'm talking about credit card offers, magazine offers, etc. You know the kind that say, "No postage required if mailed in the United States". I usually take everything out of the original...
by flossy21
Thu Feb 01, 2018 8:57 am
Forum: Investing - Help with Personal Investments
Topic: I have an overwhelming gift I'm in need of help of please.
Replies: 89
Views: 8644

Re: I have an overwhelming gift I'm in need of help of please.

You've received some great advice so far but It's unclear if this is pre or post tax money. I would expect with a gift this large someone will owe some taxes. Here are the rules for gift taxes. https://www.irs.gov/businesses/small-businesses-self-employed/frequently-asked-questions-on-gift-taxes#2 Y...
by flossy21
Fri Jan 26, 2018 8:29 am
Forum: Personal Consumer Issues
Topic: What else can cause an Electric water heater to run out of hot water.
Replies: 7
Views: 613

Re: What else can cause an Electric water heater to run out of hot water.

Years ago I was helping a buddy troubleshoot a problem with a hot water heater in a rental house he owned. Basically a 2 element hot water heater. The elements tested OK with the meter; ie - they showed continuity on the meter so the assumption was that the elements had not rusted through and the lo...
by flossy21
Thu Jan 25, 2018 11:42 am
Forum: Investing - Help with Personal Investments
Topic: Your bond allocation when you were 48
Replies: 125
Views: 6936

Re: Your bond allocation when you were 48

35% in VBTLX

Planning retirement at 55 (or sooner if this bull keeps bulling along)
by flossy21
Sun Jan 21, 2018 5:01 pm
Forum: Personal Consumer Issues
Topic: what is the best mouse poison?
Replies: 45
Views: 3200

Re: what is the best mouse poison?

Just One BIte

https://www.amazon.com/Old-Cobblers-Far ... use+poison

set a few of these litte logs out and you won't have a mouse problem anymore
by flossy21
Thu Jan 18, 2018 2:07 pm
Forum: Personal Consumer Issues
Topic: A "Home" cell phone?
Replies: 53
Views: 5323

Re: A "Home" cell phone?

flossy21, thanks for the very concise explanation. My “taxes, surcharges & fees” on just the phone are close to $17 a month, with $7 and $4 going to federal subscriber line charge and 911 for my city, respectively. It sounds like switching to Ooma would bring no relief there. From the FAQs, I under...
by flossy21
Wed Jan 17, 2018 12:11 pm
Forum: Personal Consumer Issues
Topic: A "Home" cell phone?
Replies: 53
Views: 5323

Re: A "Home" cell phone?

Ooma's a great solution. It costs me about $5.00 and change a month. You hook the Ooma box up to your router and then plug the Ooma out line into any phone jack in your house. It powers all the phone jacks from there so you can have a base unit anywhere and auxiliary handsets all over the house. ht...
by flossy21
Wed Jan 17, 2018 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Your favorite non-investing, non-financial websites?
Replies: 47
Views: 17043

Re: Your favorite non-investing, non-financial websites?

Here's one for you. It's an online archive of literally all kinds of media. Movies, Audio, Video Games, Magazines, Comic Books, etc. Just search and you will find something interesting here to peruse. https://archive.org/ People scan old magazines, periodicals and comics and share them here. For exa...
by flossy21
Tue Jan 16, 2018 4:02 pm
Forum: Personal Consumer Issues
Topic: A "Home" cell phone?
Replies: 53
Views: 5323

Re: A "Home" cell phone?

Ooma's a great solution. It costs me about $5.00 and change a month. You hook the Ooma box up to your router and then plug the Ooma out line into any phone jack in your house. It powers all the phone jacks from there so you can have a base unit anywhere and auxiliary handsets all over the house. htt...
by flossy21
Fri Jan 12, 2018 8:58 pm
Forum: Personal Consumer Issues
Topic: Best Movies of 2017
Replies: 42
Views: 4187

Re: Best Movies of 2017

Logan Lucky
by flossy21
Mon Jan 08, 2018 11:53 am
Forum: Personal Consumer Issues
Topic: Hot Water Delay at faucet/shower far from water heater
Replies: 100
Views: 7666

Re: Hot Water Delay at faucet/shower far from water heater

I had a similar issue in our current home years ago. My local municipal water was offering a rebate if you purchase and install a recirc pump system. Basically as others have said. Rather than wasting gallons of water waiting for hot water to arrive they circulate the hot side water down the cold li...
by flossy21
Fri Jan 05, 2018 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Worth tracking down lost retirement plan histories?
Replies: 23
Views: 1351

Re: Worth tracking down lost retirement plan histories?

I am thinking that any unclaimed money would have been forfeited to some government entity. You should check your state's unclaimed property website. You can find more info here...

https://www.usa.gov/unclaimed-money
by flossy21
Mon Dec 18, 2017 3:11 pm
Forum: Personal Consumer Issues
Topic: New job offer - background check
Replies: 140
Views: 8577

Re: New job offer - background check

It's all about the optics of the situation. It sounds like you have been honest with your interactions up to this point. If you filled out a job application I'd be shocked if one of the questions on there did not inquire whether you have a criminal history. If you answered "No" and now the history c...
by flossy21
Sun Dec 17, 2017 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: Quicken for Mac
Replies: 7
Views: 791

Re: Quicken for Mac

Check out Moneydance. Also search this forum for Moneydance. I'm a Quicken user from 1997 to 2010 or so. Started with Windows and now on Mac. I switched to Moneydance when I went to Mac and imported all my Quicken data.

http://moneydance.com
by flossy21
Sun Dec 17, 2017 1:19 pm
Forum: Personal Consumer Issues
Topic: New job offer - background check
Replies: 140
Views: 8577

Re: New job offer - background check

Tell the recruiter about the issue. Be completely open and honest with him/her. The recruiter is your advocate. Let him/her advise you on how to handle the issue.
by flossy21
Sun Dec 10, 2017 3:55 pm
Forum: Investing - Theory, News & General
Topic: Buying index funds is just as speculative as buying Bitcoin
Replies: 64
Views: 4920

Re: Buying index funds is just as speculative as buying Bitcoin

Maybe...but I'll take the Index Fund investment.

Bitcoin is competing with a currency backed by the US Gov't. The US Gov't has a monopoly on US$. Why would the US Gov't willingly give up it's monopoly in favor of Bitcoin?
by flossy21
Fri Nov 10, 2017 11:44 am
Forum: Personal Consumer Issues
Topic: Tankless Water Heaters
Replies: 10
Views: 1226

Re: Tankless Water Heaters

Similar to the Hot Water Lobster I have a Chili Pepper appliance installed under the sink in our Master Bath. Basically you push a button and it circulates the water in the hot water line through the cold water line until it senses hot water has arrived. It takes about 1 minute typically for the pro...
by flossy21
Wed Nov 08, 2017 4:09 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Fund question - active vs. managed (VBMFX vs. PICYX)
Replies: 16
Views: 1183

Bond Fund question - active vs. managed (VBMFX vs. PICYX)

I sit on the Investment Committee for our small company of 25-30 employees. I am one of 3 on the committee including the owner. I would say I am the most knowledgeable of the committee members in terms of general investing knowledge. I would not say I am an expert by any stretch of the imagination. ...
by flossy21
Wed Nov 01, 2017 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Invalid airline ticket, seeking reimbursement
Replies: 36
Views: 3688

Re: Invalid airline ticket, seeking reimbursement

I'd get the press involved. Try something like The New York Times, USA Today or The Wall Street Journal.

As you said the bad press from this is worth much more than the cost to reimburse you for the ticket.

Use that lever on them.
by flossy21
Mon Oct 30, 2017 1:59 pm
Forum: Investing - Help with Personal Investments
Topic: Inheritance and Joint account with Siblings
Replies: 44
Views: 2630

Re: Inheritance and Joint account with Siblings

Here's a nightmare scenario to chew on a bit. Joint account among the siblings. One of the siblings dies and their spouse or kid(s) now inherits the account. Now you and other siblings have a non sibling in the mix with not as much of an emotional tie to the money. Suppose said spouse remarries or n...
by flossy21
Thu Oct 05, 2017 2:42 pm
Forum: Personal Consumer Issues
Topic: Fender bender -- other driver at fault -- what to do?
Replies: 28
Views: 2232

Re: Fender bender -- other driver at fault -- what to do?

***update 10/05/2017 3:20 pm Thanks for all the thoughtful replies. The group has certainly been helpful. I spoke to a fellow at my insurance company; Progressive. He connected us both to the claim rep for the at-fault driver on a 3 way call. I explained the situation in very carefully chosen langua...