Search found 119 matches

by Calhoon
Tue Aug 20, 2019 9:37 pm
Forum: Personal Consumer Issues
Topic: Idea for a basic drawing book for granddaughter...
Replies: 25
Views: 1208

Re: Idea for a basic drawing book for granddaughter...

My daughter got pretty good at drawing comic strips/comic books. Had absolutely no interest in art books teaching her how to draw. Instead she'd read Calvin and Hobbes and peanuts and try drawing her own. What really got her into it was Archie comic books -- Betty and Veronica. She'd spend hours pic...
by Calhoon
Sat Aug 17, 2019 8:24 am
Forum: Personal Consumer Issues
Topic: Drive to Olympic National Park from Midwest
Replies: 26
Views: 1967

Re: Drive to Olympic National Park from Midwest

Thanks everyone for the replies. Got back the other day. Like I had mentioned in earlier post my only experience in this part of the rockies had been two trips on switchbacking mountain passes that got pretty intense. Both times it was on the way to Yellowstone. Once as a kid and then again ten year...
by Calhoon
Thu Aug 15, 2019 6:58 am
Forum: Personal Consumer Issues
Topic: Book or documentary recommendations on American economic dominance
Replies: 26
Views: 1589

Re: Book or documentary recommendations on American economic dominance

These books aren't about America specifically, but you might find interesting:
Gun, Germs, Steel
Ascent of Money.
by Calhoon
Sat Jul 20, 2019 1:30 pm
Forum: Personal Consumer Issues
Topic: How to get rid of a piano?
Replies: 50
Views: 3735

Re: How to get rid of a piano?

A couple years ago I sold an out of tune piano on craigslist. Thought it would never go, but I think it was only on there a few weeks. Someone drove three states over to pick up the thing. Weird. So you could try craigslist. There might be someone out there who's looking for what you're trying to ge...
by Calhoon
Sat Jul 20, 2019 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Marcus Bank 1% Bonus for New Funds up to $50k ($500 bonus)
Replies: 95
Views: 11627

Re: Marcus Bank 1% Bonus for New Funds up to $50k ($500 bonus)

Am going to do this with vanguard funds...though might have to go the wire route. Thought that verfication was set up with my primary bank, but guess not, and now I'm not sure I'll get the money in time to make this work. Might go the wiring route. Was thinking about signing up wife too, but wasn't ...
by Calhoon
Sat Jul 20, 2019 9:23 am
Forum: Personal Consumer Issues
Topic: Glacier National Park
Replies: 19
Views: 2206

Re: Glacier National Park

Did St Mary's/Virginia falls on the way in, which was a good place to start. Quick one. For sure do Highland pass stands out going from logan pass to the chalet and than down to a loop, where you can pick up a shuttle back to logan pass. Glacier Lake also stands out. The girls swam out to the icebur...
by Calhoon
Wed Jul 10, 2019 9:35 pm
Forum: Personal Consumer Issues
Topic: Drive to Olympic National Park from Midwest
Replies: 26
Views: 1967

Re: Drive to Olympic National Park from Midwest

Thanks everyone for feedback. Exactly what I was looking for. The suggestions were great. If anyone has any other suggestions of what to see/do there or on the way I'd be interested. Mount Reneer was one spot that we were talking about. As for the drive 00 10 years ago wound up on a pretty intense r...
by Calhoon
Wed Jul 10, 2019 7:05 am
Forum: Personal Consumer Issues
Topic: Drive to Olympic National Park from Midwest
Replies: 26
Views: 1967

Drive to Olympic National Park from Midwest

Planning a road trip from Wisconsin to Olympic National Park, along I-90 in Montana/Idaho/Washington. Was never in this part of the Rockies before and am debating whether to rent or drive my own car. In the past we'd usually rent a car, especially in the mountains. Didn't trust them. Got a new car s...
by Calhoon
Fri May 03, 2019 7:08 am
Forum: Personal Consumer Issues
Topic: Need help with car 1995 Chevrolet Cavalier service engine light comes on after it runs 20-30 min.
Replies: 21
Views: 1545

Re: Need help with car 1995 Chevrolet Cavalier service engine light comes on after it runs 20-30 min.

In addition to pulling the battery overnight, you could try bleeding radiator. I had the exact same problem you had -- engine light, radiator fan kicks in right after you turn key. I had bled the radiator in the past, and this helped.
by Calhoon
Fri May 03, 2019 7:01 am
Forum: Personal Consumer Issues
Topic: Need help with car 1995 Chevrolet Cavalier service engine light comes on after it runs 20-30 min.
Replies: 21
Views: 1545

Re: Need help with car 1995 Chevrolet Cavalier service engine light comes on after it runs 20-30 min.

You need to disconnect battery longer than 15 minutes!

Fifteen minutes does not do it.

Disconnect overnight.
by Calhoon
Fri Apr 26, 2019 7:09 am
Forum: Personal Finance (Not Investing)
Topic: [Retiring before 65: How do you deal with health insurance?]
Replies: 88
Views: 11745

Re: [Retiring before 65: How do you deal with health insurance?]

My understanding that in Wisconsin if you meet the poverty limits and therefore get Medicaid assistance AFTER 55 it is a loan in that any assistance received is subject to estate recovery after you die. Meaning the states gets your house/assets versus heirs. Might want to check into this and verify ...
by Calhoon
Sat Mar 16, 2019 1:51 pm
Forum: Personal Consumer Issues
Topic: Smoking tire/wheel/brake one week after wheel alignment
Replies: 24
Views: 1505

Re: Smoking tire/wheel/brake one week after wheel alignment

on my Avalon whenever the brake pads would start getting on the low (not ready to be replaced but getting close) the caliper would hang up and create the same symptoms you're describing.
by Calhoon
Wed Nov 21, 2018 7:58 am
Forum: Personal Consumer Issues
Topic: Good audio book for a family?
Replies: 33
Views: 2076

Re: Good audio book for a family?

True Grit.

Did this on a trip out West with my two daughters. One of those books that are so good you wonder why they'd bother making a movie of it.
by Calhoon
Sat Oct 06, 2018 8:21 am
Forum: Personal Consumer Issues
Topic: Thoughts on Meditation & Subconscious Mind
Replies: 10
Views: 1208

Re: Thoughts on Meditation & Subconscious Mind

Read: Why Buddhism is True. The title is a little misleading in that I wouldn't call it a religious book. More about brain science. Fascinating. Highly recommended. https://www.amazon.com/dp/B01MPZNG63/ref=dp-kindle-redirect?_encoding=UTF8&btkr=1 I'd recommend Ten Percent Happier as well. Memoir of ...
by Calhoon
Mon Oct 01, 2018 8:57 pm
Forum: Personal Consumer Issues
Topic: city water sewer vs well septic
Replies: 36
Views: 2605

Re: city water sewer vs well septic

Thanks everybody.

Sounds like it depends upon the situation, but generally it's a wash between the two. Or that city water/sewer is not always but generally an insurance policy of sorts where you pay a quarterly bill to avoid a much larger bill.
by Calhoon
Sun Sep 30, 2018 9:51 am
Forum: Personal Consumer Issues
Topic: city water sewer vs well septic
Replies: 36
Views: 2605

city water sewer vs well septic

Looking at homes in an area where half the houses we look are well and septic and half aren't. Guessing that in town it would be about a thousand per year with city water and sewer. Family of four. Two daughters. A few blocks over it'd be well and septic at about 100 per year. Community makes you pu...
by Calhoon
Sun Jul 22, 2018 9:17 am
Forum: Personal Finance (Not Investing)
Topic: does beneficiary trump all
Replies: 10
Views: 1393

Re: does beneficiary trump all

Thanks for the replies.

Stan -- think you're right, boils down to if assets can be seized. Her second husband is on Medicaid and will be until he dies, which I'm sure is what the encounter is all about.
by Calhoon
Sat Jul 21, 2018 9:11 am
Forum: Personal Finance (Not Investing)
Topic: does beneficiary trump all
Replies: 10
Views: 1393

does beneficiary trump all

Does the designation on an IRA trump everything else? Have a weird situation where I am the beneficiary of what I think is pretty sizable IRA, however my mom "might have" signed over her life savings to who I'm not exactly sure. This happened about six months ago. While my mom was going in to visit ...
by Calhoon
Thu Jul 12, 2018 7:12 am
Forum: Investing - Theory, News & General
Topic: VMMXX and inflation/interest rates
Replies: 7
Views: 1359

Re: VMMXX and inflation/interest rates

Thanks, that's exactly where I was at, debating between VMMXX and bonds after having took 40 percent of my money out of equities. Had always been 100 percent equities, for thirty years, and never worried about it...but now in the current environment am getting nervous for the first time and decided ...
by Calhoon
Wed Jul 11, 2018 7:12 am
Forum: Investing - Theory, News & General
Topic: VMMXX and inflation/interest rates
Replies: 7
Views: 1359

VMMXX and inflation/interest rates

Does a money market account like the vanguard prime VMMXX do a good job of keeping up with inflation? I know right now it's at about 2 percent, which is in the ball park, but if inflation spiked would this fund keep pace?
by Calhoon
Sat Jun 09, 2018 9:40 am
Forum: Investing - Theory, News & General
Topic: Rising Interest Rate Strategy
Replies: 35
Views: 5232

Re: Rising Interest Rate Strategy

Maybe I'll look at vusfx for short, cds, or vmmxx. Does something like the vmmxx do a good job of tracking interest rates? I was reading about it again last night in History of the united States in five crashes. He was talking about how the federal reserve cut interest rates in 1982 and the lower ra...
by Calhoon
Thu Jun 07, 2018 12:01 pm
Forum: Investing - Theory, News & General
Topic: Rising Interest Rate Strategy
Replies: 35
Views: 5232

Rising Interest Rate Strategy

In a rising interest rate environment where's the best place to be? Know that bonds will decrease in value with an increase in interest rate...at least in the short term. What about stocks? A couple months back when they were talking about interest rates going up I was reading in articles that this ...
by Calhoon
Wed May 16, 2018 7:07 am
Forum: Personal Consumer Issues
Topic: Must See in South Dakota
Replies: 58
Views: 5475

Re: Must See in South Dakota

custer state park
by Calhoon
Fri Mar 16, 2018 7:10 am
Forum: Personal Consumer Issues
Topic: Grand Canyon and Utah Parks
Replies: 16
Views: 1946

Re: Grand Canyon and Utah Parks

zion is a must.

Bryce wildly overrated.

Capitol Reef is worth seeing.
by Calhoon
Thu Dec 07, 2017 9:34 pm
Forum: Personal Investments
Topic: Early Retirement Roth Conversion vs Healthcare Subsidies
Replies: 15
Views: 1752

Re: Early Retirement Roth Conversion vs Healthcare Subsidies

My understanding is that they only look at your 1040 for the year prior. With that in mind, any amount you convert that won't be reflected in that prior tax form they won't see. So any conversion amount a couple years out won't impact your subsidy.
by Calhoon
Fri Oct 27, 2017 9:05 am
Forum: Personal Consumer Issues
Topic: How to get over the fear of traveling without spouse and children?
Replies: 52
Views: 5534

Re: How to get over the fear of traveling without spouse and children?

You're thinking about this way too much. Just do it, and afterwards I'm sure you'll look back and wonder what you were worried about.

When you sit around and worry about stuff like this it distorts reality.
by Calhoon
Wed Sep 27, 2017 6:13 pm
Forum: Personal Consumer Issues
Topic: liability of selling used car
Replies: 14
Views: 2627

liability of selling used car

Was thinking about selling a used car on craigslist. The car is driveable -- I had been driving it to and from work -- but there are issues that would need tending to, chief among them are the strut, which I of course would be upfront. While it was old and not in the best shape in the world thought ...
by Calhoon
Sat Aug 26, 2017 8:33 am
Forum: Personal Investments
Topic: Advantages/disadvantages of using roth for nonretirement
Replies: 14
Views: 1680

Advantages/disadvantages of using roth for nonretirement

What are the advantages/disadvantages of using roth for nonretirement savings (where you might want to tap into it before 59) versus a regular savings account? For the last few years haven't been making any contributions to either my roth or traditional ira accounts, while simultaneously my account ...
by Calhoon
Sun Jul 16, 2017 5:18 pm
Forum: Investing - Theory, News & General
Topic: stock market demographics
Replies: 3
Views: 792

Re: stock market demographics

Cool, thanks. That was what I was looking for.
by Calhoon
Sun Jul 16, 2017 8:15 am
Forum: Investing - Theory, News & General
Topic: stock market demographics
Replies: 3
Views: 792

stock market demographics

Where can I find statistics on the stock market as to ownership in every way imaginable -- income, age, education, etc.
by Calhoon
Mon Jun 12, 2017 8:16 pm
Forum: Personal Consumer Issues
Topic: learning Arabic
Replies: 19
Views: 2956

Re: learning Arabic

Thanks again for the replies. After some of the responses on the challenges of Arabic, I thought I had her talked into Mandarin instead but now we're back to Arabic. Think I'm going to start her out on Rosetta Stone through the library, and see how that goes. Would like to try out that italki.com. L...
by Calhoon
Sat Jun 10, 2017 2:19 pm
Forum: Personal Consumer Issues
Topic: learning Arabic
Replies: 19
Views: 2956

Re: learning Arabic

Thanks guys. This gives me somewhere to start. I'll check out the suggestions here, and take a look at Rosetta. Thought they had some deal on it through the library. Aspiring lawyer -- as far as the motive, she's just really interested in learning new languages. She's been studying French and Spanis...
by Calhoon
Sat Jun 10, 2017 10:22 am
Forum: Personal Consumer Issues
Topic: learning Arabic
Replies: 19
Views: 2956

learning Arabic

For something to do this summer my 14 year old daughter wants to learn Arabic. She's asked me if she could take classes on it over the summer about two dozen times now. Anyone have any ideas where you'd get Arabic lessons from or anywhere you'd get a tutor, maybe online? I thought craigslist, but in...
by Calhoon
Wed May 03, 2017 8:11 am
Forum: Personal Consumer Issues
Topic: water softener for whole house?
Replies: 35
Views: 5774

Re: water softener for whole house?

After a good deal of research, this is what I went with a few years back:
https://www.ohiopurewater.com/
by Calhoon
Wed Mar 01, 2017 11:07 am
Forum: Investing - Theory, News & General
Topic: inflation
Replies: 5
Views: 927

Re: inflation

When you're talking about the Regean era, didn't volcker need to purposely trigger a recession because stagflation from the seventies had gotten so out of control where a recession was the least of two evils?
by Calhoon
Wed Mar 01, 2017 10:35 am
Forum: Investing - Theory, News & General
Topic: inflation
Replies: 5
Views: 927

inflation

what's everyone's thoughts on inflation going forward? After the fed's aggressive stimulus I thought we'd be looking at inflation, which I guess hasn't really come to pass, but now on the fiscal side it seems to me that just about every proposal is inflationary and it's coming from many directions s...
by Calhoon
Mon Jan 16, 2017 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Out of town mechanic botched fix
Replies: 19
Views: 2190

Re: Out of town mechanic botched fix

If you're having problems with the mechanic take it up with your credit card company.

I had a problem where a mechanic botched a job on my car, and I think it was on this forum that the suggestion came up that I complain to my credit card company. Actually worked.
by Calhoon
Wed Jan 04, 2017 3:12 pm
Forum: Personal Investments
Topic: Vanguard Customer Service
Replies: 301
Views: 40673

Re: Vanguard Customer Service

My experience with vanguard customer service has been dismal. Transferred 500k from my 401k account to vanguard, and they managed to screw it up in about four different ways. The ira transfer specialist told me to have them just send a check. He said that wiring the money would be "too hard." Well, ...
by Calhoon
Fri Nov 18, 2016 8:59 am
Forum: Personal Consumer Issues
Topic: Vacation spots on Alabama's Gulf coast
Replies: 27
Views: 4887

Re: Vacation spots on Alabama's Gulf coast

Another Orange Beach. Went there a couple years ago for Spring Break. My wife got a great deal on a condo that had to be the nicest place I've ever stayed in for an incredibly reasonable price. Can't remember where offhand but if you're interested, let me know and I'll find out. I thought the area w...
by Calhoon
Sun Sep 18, 2016 7:50 am
Forum: Personal Consumer Issues
Topic: Sawzall and Batt Operated tools questions?
Replies: 25
Views: 2309

Re: Sawzall and Batt Opertated tools questions?

Depends how big of the branches are. I find myself using a 12 volt or 18 volt sawzall all the time for pruning and taking out branches just because it's so much more convenient then getting out a chainsaw and screwing around with it. Was surprised at what that little 12 volt thing could handle, but ...
by Calhoon
Thu Sep 15, 2016 10:16 am
Forum: Investing - Theory, News & General
Topic: the upcoming bond bubble
Replies: 16
Views: 3018

Re: the upcoming bond bubble

Reading my original post, the opening statement might have come across as sarcastic, which I did not intend.
by Calhoon
Thu Sep 15, 2016 7:50 am
Forum: Investing - Theory, News & General
Topic: the upcoming bond bubble
Replies: 16
Views: 3018

the upcoming bond bubble

I know that the general sentiment on this board is that there is no bond bubble and nothing to worry about in that sector, but let's pretend for a second that there actually was one. What do you suppose this would do to the rest of the market? Would the shock rout stocks as well?
by Calhoon
Tue Sep 13, 2016 7:30 am
Forum: Investing - Theory, News & General
Topic: Pessimism in the financial press
Replies: 18
Views: 3582

Re: Pessimism in the financial press

What struck me as interesting was that there's no investing/finance magazines on the racks anymore. Whenever I had to wait around a grocery store or department store like target or some place I'd flip through the money magazines to pass the time and now suddenly there are none. At all. Years ago the...
by Calhoon
Thu Sep 08, 2016 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Selling a home without a realtor
Replies: 29
Views: 3861

Re: Selling a home without a realtor

In a similar situation where I was putting our house up for sale, though in our case trying to figure out between full realtor versus three percent. At full it'd be like 25k to sell the house which to me seems like quite a bit. The three percent guy is this young kid who I'm not sure if he's old eno...
by Calhoon
Sun Sep 04, 2016 8:11 am
Forum: Personal Consumer Issues
Topic: Frustrated Losing Weight!
Replies: 131
Views: 12094

Re: Frustrated Losing Weight!

Quite a few years ago I switched over to eating mainly fruits and vegs. My wife would make this veggie burritos and I'd have those quite a bit. Would gorge myself on fruits and vegatables, eatting like a pig. Also, was exercising quite a bit. Doing a lot of hiking/running. None of this was to loose ...
by Calhoon
Sat Aug 27, 2016 7:41 am
Forum: Personal Investments
Topic: Medallion Signature Guarantee
Replies: 78
Views: 18531

Re: Medallion Signature Guarantee

Just went through this. Required a Medalliion to transfer 401k from last job over to vanguard. Thing was my local bank did not perform this service, and none of the banks in the area that I called would unless you were a customer. Some then required that you keep the account for a year, or you had t...
by Calhoon
Thu Aug 25, 2016 8:57 am
Forum: Personal Finance (Not Investing)
Topic: how much should I shoot for as a contractor
Replies: 19
Views: 3013

Re: how much should I shoot for as a contractor

Everyone thanks for the responses. Defiantly helps. I need to know what my final take home would be after all the smoke clears to make sure the move still makes sense, which I think I have a better bead on now. Only thing throwing me yet is insurance, though maybe I'll just figure 1,000 per month an...
by Calhoon
Wed Aug 24, 2016 10:12 am
Forum: Personal Finance (Not Investing)
Topic: how much should I shoot for as a contractor
Replies: 19
Views: 3013

Re: how much should I shoot for as a contractor

Okay, great that helps. The rate I was getting offered was half of the low end of that range with no benefits. After benefits and taxes hacked away at it I'd be back down to what I was getting paid as a dishwasher back in 1984.
by Calhoon
Tue Aug 23, 2016 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: how much should I shoot for as a contractor
Replies: 19
Views: 3013

how much should I shoot for as a contractor

Completely baffled about how much I should compensate for as a contractor. Seen some threads here where the general rule of thumb is ask for 2X what you would be paid salaried, though seemed to me most of these threads were for physicians, IT personnel -- fields that could command a very high rate. ...