Search found 473 matches

by Woodshark
Wed Jul 01, 2020 4:46 pm
Forum: Personal Consumer Issues
Topic: Painting new drywall
Replies: 24
Views: 1560

Re: Painting new drywall

One more hint. Make sure you/they lightly sand the walls after the primer coat. Primer raises the fiber on the drywall surface. A quick sanding knocks it down and gives a smooth surface for the final coats.
by Woodshark
Mon Jun 29, 2020 5:13 pm
Forum: Personal Consumer Issues
Topic: Painting new drywall
Replies: 24
Views: 1560

Re: Painting new drywall

We always paint new drywall with a PVA primer to seal it then two coats of good paint. It really helps to go ahead and tint the primer the same color as the paint.
by Woodshark
Sun Jun 14, 2020 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: best way to give away a table saw
Replies: 53
Views: 3219

Re: best way to give away a table saw

Yes, the Habitat Restore. Call them up and they will come and pick it up.
by Woodshark
Tue Jun 02, 2020 4:25 pm
Forum: Personal Consumer Issues
Topic: Looking for some information on Italy trip
Replies: 24
Views: 1315

Re: Looking for some information on Italy trip

We've spend many weeks in Tuscany and Umbria. You've been given some great advice so far. We love the hill towns in the area. I would highly recommend staying in an agriturismo over a hotel. Yes, you need at least three days for Rome so skip it. Last time we flew into Rome, rented a car at the train...
by Woodshark
Mon Jun 01, 2020 8:10 pm
Forum: Personal Consumer Issues
Topic: How to keep chiipmunks from going into gutter/underground drain connection?
Replies: 34
Views: 1742

Re: How to keep chiipmunks from going into gutter/underground drain connection?

Not sure if you are trying t seal the downspout to underground pipe connection or the end/exit of the drain pipe but they make things for both. Downspout to drain https://www.homedepot.com/b/Plumbing-Pipe-Fittings-Fittings-Polyethylene-Pipe-Fittings/N-5yc1vZ1z18i45/Ntk-RelaxedMatch/Ntt-downspout+con...
by Woodshark
Sat May 16, 2020 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking of buying a boat during pandemic – am I CRAZY?
Replies: 80
Views: 5624

Re: Thinking of buying a boat during pandemic – am I CRAZY?

We live (retired) at our lakehouse and own a (smaller) boat. Here are a few truths for you. 1. Unless you hire it out, you will spend more hours cleaning and maintaining a boat then you will using it. 2. The people who use their boats the most are people who DO NOT live on the water. Once you've liv...
by Woodshark
Thu May 14, 2020 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Rethinking chase sapphire during pandemic
Replies: 8
Views: 1169

Re: Rethinking chase sapphire during pandemic

I've had the sapphire preferred card for years. The annual fee is $100. This week I called (twice) to nicely ask if they would consider waving the annual fee just once due to the lack of travel. My request was declined both times.
by Woodshark
Fri Apr 17, 2020 5:36 pm
Forum: Personal Consumer Issues
Topic: Runners -Anyone use the old fashion Shoe Goo??
Replies: 30
Views: 1403

Re: Runners -Anyone use the old fashion Shoe Goo??

I've used several tubes of Shoe-Goo. No matter how carefully I clean and apply it, it seems to fail after a while. Now I use contact cement. It's what shoe repair places use. You can find small bottles of it under the name of Weldwood. Read the instructions and it works great.
by Woodshark
Sun Apr 12, 2020 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: Citi website
Replies: 22
Views: 1585

Re: Citi website

02nz wrote:
Sun Apr 12, 2020 12:18 pm
Try Incognito or Guest mode in Chrome. If that works, you probably need to clear your cookies.
This. I had trouble logging into Chase a few months ago. I call tech support at Chase and they had my clear my cookies. Problem solved.
by Woodshark
Mon Apr 06, 2020 5:13 pm
Forum: Personal Consumer Issues
Topic: Removing/Preventing Moss From Pavers
Replies: 15
Views: 1086

Re: Removing/Preventing Moss From Pavers

MikeWillRetire wrote:
Mon Apr 06, 2020 9:30 am
Try "Wet & Forget".
I use it on my brick patio.
This. It takes months to work, or preasure wash then treat with Wet & Forget ever 3 months to keep it from coming back.
by Woodshark
Sun Apr 05, 2020 2:17 am
Forum: Investing - Theory, News & General
Topic: Why does market keep rallying at end of day?
Replies: 28
Views: 3199

Re: Why does market keep rallying at end of day?

For the OP. Don't feel alone, I've noticed the same thing myself. It caught me a few weeks ago. I was doing a Roth coversion (with mutual funds) and waited till around 3:30 to compute the estimated shares needed and then placed the trade. The next day I was really surprised to find the market did a ...
by Woodshark
Mon Mar 23, 2020 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Time to cash in Chase UR points?
Replies: 41
Views: 4065

Re: Time to cash in Chase UR points?

Some time ago I moved a big chuck of my UR points into my Flying Blue account to cover award flights on KLM to Venice in May. I was able to cancel the flights today. They refunded the points back into my Flying Blue account, but I can't get them back into my Chase UR account.
by Woodshark
Thu Mar 19, 2020 5:37 pm
Forum: Personal Consumer Issues
Topic: Is your financial house in order?
Replies: 10
Views: 1409

Re: Is your financial house in order?

In a strange quirk of timing, we just finished doing our will, FPOA, HCPOA and other docs about 3 weeks ago.
\
by Woodshark
Thu Mar 05, 2020 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Present-Value of an I-Bond in an Estate
Replies: 28
Views: 1034

Re: Present-Value of an I-Bond in an Estate

I was reading along and thinking pretty much the same thing as PingPing. Why is he getting it all now and poor Alice has to wait years and years for her share. If it was me, Bob would get 1/2 of the present value of the bonds and call it a day.
by Woodshark
Fri Feb 28, 2020 8:58 am
Forum: Personal Investments
Topic: Ready to pull the trigger
Replies: 5
Views: 740

Re: Ready to pull the trigger

From the amount of time you spend on research, and variety of investments you have, I just can't see you transfering your assets to a few investments and walking away. After that level of involvemenet, it would be hard going cold turkey. I'm not saying you shouldn't. Just it would hard to give up al...
by Woodshark
Tue Feb 18, 2020 5:02 pm
Forum: Personal Consumer Issues
Topic: Perform own oil change pros & cons?
Replies: 224
Views: 11334

Re: Perform own oil change pros & cons?

I've changed the oil in all our vehicles since I was 16 years old and had my first car. A couple of years ago I started paying to have it changed. The extra $20 or so above my cost was just not worth it to me anymore.
by Woodshark
Mon Feb 10, 2020 4:16 pm
Forum: Personal Consumer Issues
Topic: Chrysler Pacifica?
Replies: 33
Views: 2250

Re: Chrysler Pacifica?

Our 1998 Plymouth Grand Voyager is getting too old to take on long trips. It's held up way longer than I thought it would, but it's time for something newer. With the stow & go seats, the comfortable ride and the ability to hold the occasional 4x8 sheet of plywood, The Pacifica fits the bill. It's t...
by Woodshark
Sat Feb 01, 2020 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: Uneven crack in sidewalk in front of my house, am I liable?
Replies: 37
Views: 3351

Re: Uneven crack in sidewalk in front of my house, am I liable?

I don't know your level of "handyman" skills but 1 hour of time with a hammer, cold chisel, (wear safety glasses), a trowel plus a $5 bag of cement could take care of the problem.
by Woodshark
Fri Jan 31, 2020 4:38 pm
Forum: Personal Investments
Topic: 3 Bucket Strategy
Replies: 33
Views: 3049

Re: 3 Bucket Strategy

Is it a better plan than 100% stock? Most likely yes. Is it better than a 60/40 or 50/50? Probably not. But if you're starting retirement with a 100% stock position, it could be a good place to start. (Lord knows there are worse.) I understand the lure of the bucket system's easy mental accounting a...
by Woodshark
Wed Jan 29, 2020 5:16 pm
Forum: Personal Consumer Issues
Topic: Benefits of buying things secondhand?
Replies: 93
Views: 7201

Re: Benefits of buying things secondhand?

Used camera gear is a great bargain. As a retire professional photographer I can tell you most mid-level to professional cameras built in the last 10 years will take care of 95% of your photo needs. But, like cell phones and computers, some people just have to have the lastest and greatest. Ebay can...
by Woodshark
Wed Jan 29, 2020 5:04 pm
Forum: Personal Consumer Issues
Topic: Global Entry [wait time for interview]
Replies: 70
Views: 4892

Re: Global Entry [wait time for interview]

I know this subject has been well covered but since I had my interview yesterday, I'll chime in anyway. We live in South Carolina. There are NO interview locations in our state. The closest was Atlanta but the online calendar had no available dates for the interview until October. Last week we flew ...
by Woodshark
Sat Jan 25, 2020 8:33 am
Forum: Personal Finance (Not Investing)
Topic: What did you do cool with your money today?
Replies: 125
Views: 10332

Re: What did you do cool with your money today?

I bought one way tickets to Europe for me and the wife. It's to celebrate our 30th wedding anniversary. The plan is to explore Croatia for a couple of weeks then drift around to wherever we want. Maybe Barcalona, maybe Budapest or Prague. Could even go back to Tuscany for a while. Don't know yet. We...
by Woodshark
Wed Dec 25, 2019 7:40 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1477
Views: 170389

Re: What frugal thing did you do today?

I found a 70 year old neighbor (lives half a mile away) who does handyman jobs for fun and profit. He owns 12 rental homes free and clear and has no kids, so no strong profit motive. He hired the day laborer, and together they mixed about 9 tons of concrete in small batches and poured it into a mol...
by Woodshark
Mon Dec 23, 2019 3:24 pm
Forum: Personal Investments
Topic: Question on 4% withdraw rate
Replies: 21
Views: 2228

Re: Question on 4% withdraw rate

The '4% rule' says that you can safely withdraw 4% of your total portfolio value in year 1 and adjust that dollar amount every subsequent year for inflation for 30 years (e.g. $40k of a $1 million portfolio in year 1, $40k + inflation in year 2, etc.). This is correct. It's a planning tool for a 30...
by Woodshark
Mon Dec 16, 2019 6:01 pm
Forum: Investing - Theory, News & General
Topic: The worst investment advice I know
Replies: 170
Views: 14600

Re: The worst investment advice I know

Get out of the "Stock Market Casino" & "We guarentee you will participate in all stock market gains while avoiding all the market declines" are both phrases I hear on the radio, pitched by several different investment pitch-men selling annuities.
by Woodshark
Mon Dec 09, 2019 5:58 pm
Forum: Personal Consumer Issues
Topic: Thank You Taylor Larimore
Replies: 28
Views: 5458

Re: Thank You Taylor Larimore

One more hurrah for Taylor and the mods!
This place is like nothing else on the web. It really is having a bunch of intellegent, thoughtful and well meaning friends at your disposal 24/7.
by Woodshark
Mon Dec 09, 2019 5:51 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1477
Views: 170389

Re: What frugal thing did you do today?

Two things today. We have a rewards credit card where they give you bonus reward points and the first year is free. After the first year there is a $95 annual fee. It's been a full year and we still had unused points remaining so I called the credit card company and asked them to waive the $95 annua...
by Woodshark
Mon Dec 09, 2019 5:17 pm
Forum: Personal Consumer Issues
Topic: Preventative car maintenance (oil changes) costs
Replies: 55
Views: 3882

Re: Preventative car maintenance (oil changes) costs

Oil changes are so crucial and inexpensive. Just take it to the dealer and let them do it. The problem with using a dealer is that usually they try to up sell you to additional service you likely don't need. Things like "fuel injectior cleaning" that is not a required service under warranty. I beli...
by Woodshark
Thu Nov 28, 2019 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: H&R BLOCK Pre-Order 2019 Software Offer
Replies: 317
Views: 28569

Re: H&R BLOCK Pre-Order 2019 Software Offer

Thanks for the heads up. I used H&R software last year so for only $25, I could not pass up this offer. Sure if might get a few $ cheaper but I'm happy at this price for sure.
by Woodshark
Wed Nov 27, 2019 6:45 pm
Forum: Investing - Theory, News & General
Topic: How to think about Bull market future?
Replies: 36
Views: 2672

Re: How to think about Bull market future?

I was 100% stocks and stock funds until my late 40's. Why? Well, at the time I just didn't know better. The 2008 market crash was an eye opener for sure. Even through the loss I held fast and waited till the market came back to the same levels many months later. When it did I sold any individual sto...
by Woodshark
Wed Nov 27, 2019 6:14 pm
Forum: Personal Consumer Issues
Topic: What Items Are You Targeting for Black Friday Sales?
Replies: 95
Views: 8240

Re: What Items Are You Targeting for Black Friday Sales?

JET 16/32 wide belt sander for woodworking. Thinking about a Midi-lathe also.
Rooba robotic vaccum for the house.
by Woodshark
Wed Nov 27, 2019 5:59 pm
Forum: Personal Consumer Issues
Topic: Is a minivan worth it?
Replies: 86
Views: 6703

Re: Is a minivan worth it?

We are a childless couple who bought a minivan almost 22 years ago. It was a Plymouth Voyager. We still own it and as our furniture mover, trash hauler and Home Depot vehicle, we cannot imagine life without it. (We do a LOT of home improvement) It's a great road tripper. The seats are much more comf...
by Woodshark
Tue Nov 26, 2019 8:55 pm
Forum: Personal Consumer Issues
Topic: Should The Dentist See Me On Every Visit?
Replies: 64
Views: 4011

Re: Should The Dentist See Me On Every Visit?

Found out our dental insurance covers two cleanings a year but only 1 exam. So now we have to tell the dental hygienest the we are choosing to skip an exam every other visit or we end up paying an extra $60-$70 for a 3 minute quick exam with small talk.
by Woodshark
Wed Nov 20, 2019 7:54 pm
Forum: Personal Consumer Issues
Topic: DSLRs: canon 5d IV vs ?
Replies: 88
Views: 4350

Re: DSLRs: canon 5d IV vs ?

As a recently retired (30 years+) full time professional photographer I'll weigh in. Yes the 5D is a great camera. But.....does she absolutely need the latest and greatest with all the new bells and whistles? If so, why? The 5D, 5D Mark II and 5D Mark III are fantastic cameras and you can buy them u...
by Woodshark
Fri Oct 04, 2019 3:45 pm
Forum: Personal Consumer Issues
Topic: Recommendation for Carry on Luggage
Replies: 64
Views: 4943

Re: Recommendation for Carry on Luggage

I've been very pleased with eBags ( https://www.ebags.com ), especially the TLS Mother Lode Weekender Convertible backpack and the TLS 22" Expandable Wheeled Carry-On. I second both of these. I've had the TLS Mother Lode for a few years and LOVE it. It has room and sections for all my stuff. It can...
by Woodshark
Thu Sep 26, 2019 5:34 pm
Forum: Personal Investments
Topic: Retirees - do you hold extra cash for a bear market?
Replies: 93
Views: 10459

Re: Retirees - do you hold extra cash for a bear market?

I hold a couple of years of cash in a Vanguard MMA. Some folks say that's way too much and it should be invested in bonds. It makes +/- 2% which is close enough to a short term bond fund that I don't care. I sleep well at night and that's all that matters.
by Woodshark
Wed Sep 11, 2019 4:25 pm
Forum: Personal Consumer Issues
Topic: What older products/tools are better than modern equivalents?
Replies: 54
Views: 4659

Re: What older products/tools are better than modern equivalents?

Pre WWII Stanley hand planes. They were well made back when people and industry needed and used them. After everyone switched to power tools, the quality took a nose-dive.
by Woodshark
Tue Aug 13, 2019 7:40 am
Forum: Investing - Theory, News & General
Topic: Is it time to sell I-Bonds?
Replies: 18
Views: 2197

Re: Is it time to sell I-Bonds?

Did a little more research this morning. Most of all our I-bonds were purchased from 2012 through May of 2014 so we are just past the five year mark. Also most are at a fixed interest rate of 0.0%. Since we're past five years I can sell without a penalty. The only question I have to ask myself is, i...
by Woodshark
Sun Aug 11, 2019 12:35 pm
Forum: Investing - Theory, News & General
Topic: Is it time to sell I-Bonds?
Replies: 18
Views: 2197

Re: Is it time to sell I-Bonds?

Mel Lindauer wrote:
Sun Aug 11, 2019 11:57 am
Are these paper or TreasuryDirect?


Sorry, that detail should have been included in the original post. They are at TreasuryDirect.
I have edited the original to include that information.
by Woodshark
Sun Aug 11, 2019 10:23 am
Forum: Investing - Theory, News & General
Topic: Is it time to sell I-Bonds?
Replies: 18
Views: 2197

Is it time to sell I-Bonds?

We have about 6% of our investable assets in I-Bonds. All are held at Treasury Direct, some in my name some in my wife's. I’m considering selling them for the sake of simplifying our portfolio. If I’m figuring it correctly, the average compounded interest rate we are earning is around 1.7%. With mon...
by Woodshark
Tue Aug 06, 2019 5:04 pm
Forum: Investing - Theory, News & General
Topic: Is anyone running 50/50 stock bond who is younger?
Replies: 45
Views: 5006

Re: Is anyone running 50/50 stock bond who is younger?

I'm not sure what you are asking but I'm a few week shy of 59. Last October I was a little rattled about the 10 year bull market so I ran the figures, looked at the results and took us from 60/35/5(cash) to 50/45/5. It's not a huge difference in outcomes but it made a huge difference to me. I sleep ...
by Woodshark
Tue Aug 06, 2019 10:37 am
Forum: Personal Consumer Issues
Topic: Are you getting rid of your gas appliances?
Replies: 43
Views: 3420

Re: Are you getting rid of your gas appliances?

Am I getting rid of my gas appliances? No. I prefer to cook on gas and just purchased a new gas range last week.
by Woodshark
Sun Jun 09, 2019 4:14 pm
Forum: Personal Investments
Topic: 1.5 millon in cash to invest
Replies: 22
Views: 2605

Re: 1.5 millon in cash to invest

Whatever you do, don't feel like you have to make a quick decision. Since it's already in cash it's not going anywhere. You can take some time to research what might work best for you. Take some time to come up with a investment plan that meets your needs and lets you sleep well at night.
by Woodshark
Thu Jun 06, 2019 5:10 pm
Forum: Investing - Theory, News & General
Topic: What is the rationale for cash in your portfolio?
Replies: 130
Views: 9743

Re: What is the rationale for cash in your portfolio?

I'm retired (late 50's) and currently have around 5% of my portfolio in a Vanguard MMA. It serves as a place to park a couple of years of withdrawls while still earning over 2%.
by Woodshark
Thu Jun 06, 2019 4:17 pm
Forum: Personal Consumer Issues
Topic: What flagship (even used) item is better than a budget new item?
Replies: 131
Views: 8913

Re: What flagship (even used) item is better than a budget new item?

Cooking efficiently in a house does not require expensive knifes. But expensive knives are very dangerous and slow down many operations. I cut myself periodically, and i am very happy I don't have an expensive knife. Now if you take cooking at a passion level the conclusion is very different. But a...
by Woodshark
Thu Jun 06, 2019 3:41 pm
Forum: Personal Consumer Issues
Topic: Do you drive old cars for long distance travels?
Replies: 105
Views: 8436

Re: Do you drive old cars for long distance travels?

I have a 1998 Plymouth Grand Voyager with only 165,000 miles on it. We bought it new and it's been a dependable ride for over 21 years but I'm now hesitate to take it on long trips. The transmission is original and is starting to act up a bit. Still, it has gone way past the 60-100K miles most other...
by Woodshark
Wed May 22, 2019 4:45 pm
Forum: Personal Consumer Issues
Topic: Compound miter saw recommendation
Replies: 42
Views: 2683

Re: Compound miter saw recommendation

Here's the thing. Are you a person who does lots of woodworking/reno projects and anticipates a lot more projects in the coming years? Or are you just looking for a saw that will get you through this one and a few more down the road? If the former, then a spring the big bucks and get a Dewalt or Mak...
by Woodshark
Wed May 22, 2019 4:22 pm
Forum: Personal Consumer Issues
Topic: Short (3 night) Catamaran Charter in USVI or BVI
Replies: 14
Views: 1292

Re: Short (3 night) Catamaran Charter in USVI or BVI

I would recommend contacting Sunsail. (Sunsail.com) They are a large and well trusted charter service in the islands. Tell them what you are looking for and they can make recommendations on boats, itineraries, skippers, etc. Have fun!
by Woodshark
Tue May 07, 2019 4:54 pm
Forum: Investing - Theory, News & General
Topic: point of maximal pessimism for international investing
Replies: 66
Views: 6492

Re: point of maximal pessimism for international investing

I've always owned a substantial percentage of international equity. It has been a blight on my portfolio ever since, but I refuse to reduce it. Regardless of what anyone else predicts about the markets, I am quite confident that the day after I divest myself of all these stinkers, ex-US equities wi...
by Woodshark
Sat Apr 13, 2019 5:06 pm
Forum: Investing - Theory, News & General
Topic: For those who were wondering what really happened...
Replies: 19
Views: 8967

Re: For those who were wondering what really happened...

Welcome back Rick. Glad to hear that you are out from under the NCC. I think you're one of the good guys and I look forward to seeing you back on the forum more often. I know that you have a few detractors but I'm sure you are used to that by now. It's a new day.