Search found 419 matches

by flossy21
Mon Sep 10, 2018 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Hourly cost of air conditioning?
Replies: 23
Views: 2121

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: 6331

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: 5031

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: 130
Views: 7433

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: 2140

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: 2945

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: 7228

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: 707

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: 1888

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: 1051

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: 975

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: 9769

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: 2629

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: 1972

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: 1092

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: 4312

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: 8342

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: 1259

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: 732

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: 2320

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: 2320

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: 3049

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: 356

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: 868

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: 2434

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: 6434

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: 4130

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: 5634

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: 9053

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: 15537

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: 6945

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: 1562

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: 3775

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: 4266

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: 831

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: 12907

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: 8139

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: 3066

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: 663

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: 3066

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: 27695

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: 6893

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: 8885

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: 642

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: 7297

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: 3303

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: 5495

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: 5495

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: 17273

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: 5495

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...