Search found 1698 matches

by vested1
Thu Apr 11, 2019 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Torment from the IRS
Replies: 16
Views: 2320

Re: Torment from the IRS

That'll teach me. Next time I'm paying in bitcoin. :annoyed
by vested1
Thu Apr 11, 2019 2:32 pm
Forum: Personal Consumer Issues
Topic: Comparing mid-size SUVs for towing -- Hyundai vs Kia leading
Replies: 54
Views: 3179

Re: Comparing mid-size SUVs for towing -- Hyundai vs Kia leading

I would suggest two things that will help you with hitching up your trailer. If the vehicle you buy doesn't have a backup camera, or has one that isn't capable of providing great visibility of the hitch, I would buy a portable one. The one I had included a monitor with a 9V battery and a magnet so ...
by vested1
Thu Apr 11, 2019 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Torment from the IRS
Replies: 16
Views: 2320

Re: Torment from the IRS

That burns me up. Now I have to deal with my bank's $20 returned check charge for my 100 million dollar tax bill that I just paid for with a personal check.
by vested1
Thu Apr 11, 2019 9:20 am
Forum: Personal Consumer Issues
Topic: Comparing mid-size SUVs for towing -- Hyundai vs Kia leading
Replies: 54
Views: 3179

Re: Comparing mid-size SUVs for towing -- Hyundai vs Kia leading

I would suggest two things that will help you with hitching up your trailer. If the vehicle you buy doesn't have a backup camera, or has one that isn't capable of providing great visibility of the hitch, I would buy a portable one. The one I had included a monitor with a 9V battery and a magnet so t...
by vested1
Thu Apr 11, 2019 8:58 am
Forum: Personal Consumer Issues
Topic: Can you buy a new car with a cashiers check without unfreezing a credit freeze?
Replies: 68
Views: 4066

Re: Can you buy a new car with a cashiers check without unfreezing a credit freeze?

This is at least the second time recently someone has posted about using a cashier’s check to buy a car. It had never occurred to me to buy a car that way. I’ve always paid by personal check. Why would someone use cashier’s check to buy a car? What are the advantages? We were told in order for the ...
by vested1
Tue Apr 09, 2019 5:13 pm
Forum: Personal Consumer Issues
Topic: Pickup Truck Bed Cover Recommendations
Replies: 14
Views: 1147

Re: Pickup Truck Bed Cover Recommendations

I recently bought a 2012 Toyota Tacoma double cab long bed that has a Snuglid tonneau cover from SnugTop installed (2 keyed locks). It is painted to match and keeps the bed completely dry. I think that the previous owner paid $1,164 for it based on handwritten documentation I received but internet s...
by vested1
Mon Apr 08, 2019 6:42 pm
Forum: Personal Consumer Issues
Topic: Comparing mid-size SUVs for towing -- Hyundai vs Kia leading
Replies: 54
Views: 3179

Re: Comparing mid-size SUVs for towing -- Hyundai vs Kia leading

Thank you, researcher. It occurred to me that what I should do is find a Casitas and/or Scamp forum, and ask the people there what they use. I know bigger would be even better, and I don't want to make a big mistake, but I also know I don't want to drive a big truck. I've done it before, and a big ...
by vested1
Mon Apr 08, 2019 1:49 pm
Forum: Personal Consumer Issues
Topic: Comparing mid-size SUVs for towing -- Hyundai vs Kia leading
Replies: 54
Views: 3179

Re: Comparing mid-size SUVs for towing -- Hyundai vs Kia leading

Of the trailers you mentioned I'll put my vote in for a Casita 17' Spirit Deluxe. The 17' length includes the hitch and tongue, so the trailer itself is more like 14.5". The Casita I referred to has a base price of around 16.5k, but other options may make the purchase of a new one at around 20k. The...
by vested1
Sun Apr 07, 2019 10:08 am
Forum: Personal Consumer Issues
Topic: "The best and worst U.S. states for retirement"
Replies: 259
Views: 21560

Re: "The best and worst U.S. states for retirement"

Check out City Data, which has all the answers to the questions you're asking for a vast majority of American cities. Try to ignore the occasional political rant and negativity in the forums.

http://www.city-data.com/
by vested1
Fri Apr 05, 2019 11:03 am
Forum: Personal Finance (Not Investing)
Topic: SS Restricted application
Replies: 6
Views: 440

Re: SS Restricted application

We did the same thing, only a year older than you and your wife respectively. This will result in approximately 60k (due to unknown COLA percentages) "free money" between my FRA and my age 70. Ours was easier to compute since we were born on the same day, 1 year apart. My suggestion would be to imme...
by vested1
Fri Apr 05, 2019 9:55 am
Forum: Personal Consumer Issues
Topic: What is a fair price for a used car?
Replies: 15
Views: 1112

Re: What is a fair price for a used car?

I recently bought a used Toyota Tacoma and used most of the suggested sites to determine fair value for all the options I was looking for. I found Car Gurus to be the most valuable resource, especially if you have the vin number. Car Gurus and Carfax will show if the vehicle has been in any accident...
by vested1
Tue Apr 02, 2019 3:15 pm
Forum: Investing - Theory, News & General
Topic: Make sure your retirement investment plan includes being fired from your job in your 50s
Replies: 285
Views: 16435

Re: Make sure your retirement investment plan includes being fired from your job in your 50s

I was "laid off" at age 60 for 6 months, even though I had always been their highest performer, ostensibly because they were downsizing, but actually because I refused to do something unethical that they asked me to do. They knew they couldn't state the real reason for their revenge on me, so they m...
by vested1
Tue Apr 02, 2019 10:47 am
Forum: Personal Consumer Issues
Topic: How will you spend your retirement money?
Replies: 86
Views: 9514

Re: How will you spend your retirement money?

Life is good 3.5 years into retirement. We fluctuate between LiterallyIronic's plan of sloth to other more productive pursuits, and it's nice to have that choice. That being said, our plan of staying flexible in our withdrawals (VWR) has worked out, with luck in timing playing a key role. We were al...
by vested1
Sat Mar 30, 2019 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Question about Cashiers Check for tentative car purchase
Replies: 34
Views: 1553

Re: Question about Cashiers Check for tentative car purchase

We just traded in our 19 year old GMC truck for a 2012 Toyota Tacoma V6 4x4. They wouldn't take a personal check at the lot because we had placed a credit freeze on all three major credit bureaus. Rather than temporarily unlocking the freeze I drove 3 blocks to our bank and got a cashier's check mad...
by vested1
Thu Mar 28, 2019 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Paying "early" on mortgage may be unwise
Replies: 162
Views: 10673

Re: Paying "early" on mortgage may be unwise

There are different kind of folks with different mindsets. There is no one size fits all. ... Precisely. I haven't had a mortgage in decades. It's worked for the purposes and within the confines of my own complex adaptive system. I don't care what others have done, are doing, or will do. I never lo...
by vested1
Thu Mar 28, 2019 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Paying "early" on mortgage may be unwise
Replies: 162
Views: 10673

Re: Paying "early" on mortgage may be unwise

I agree this isn't a strong argument for not paying off early HOWEVER it is unwise to do so but for a different reason. With historically low interest rates the majority of mortgage holders are going to be better off investing the money in the market than paying down the mortgage. There is a huge c...
by vested1
Thu Mar 28, 2019 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Paying "early" on mortgage may be unwise
Replies: 162
Views: 10673

Re: Paying "early" on mortgage may be unwise

I agree this isn't a strong argument for not paying off early HOWEVER it is unwise to do so but for a different reason. With historically low interest rates the majority of mortgage holders are going to be better off investing the money in the market than paying down the mortgage. There is a huge c...
by vested1
Wed Mar 27, 2019 9:45 am
Forum: Personal Consumer Issues
Topic: SW USA vacation spots w/teens. Scottsdale->Grand Canyon->Eastward (Santa Fe?)
Replies: 32
Views: 1632

Re: SW USA vacation spots w/teens. Scottsdale->Grand Canyon->Eastward (Santa Fe?)

I would recommend taking the train from Williams to the Grand Canyon, as well as a fairly new attraction, just outside of Williams called Bearizona. https://www.thetrain.com/the-train/?gclid=EAIaIQobChMI--bW6cKi4QIViYCfCh0tZQwjEAAYASAAEgJ8PfD_BwE https://bearizona.com/ There are 6 levels of ticket f...
by vested1
Tue Mar 26, 2019 9:32 am
Forum: Personal Consumer Issues
Topic: ATT - "Inside Wire Repair"
Replies: 19
Views: 1965

Re: ATT - "Inside Wire Repair"

Again this information is two decades old which was the last time I wore a tool belt. If this happens again before you call repair sign up for the insurance and drop it after the repair is complete. It's not the same company as days gone by. They outsource a lot of the work to 3rd party subcontract...
by vested1
Sat Mar 23, 2019 3:58 pm
Forum: Personal Consumer Issues
Topic: Replacing asphalt driveway
Replies: 16
Views: 2233

Re: Replacing asphalt driveway

Or you could fix it permanently by replacing the asphalt with pavers, rather than concrete. I paid $10 a square foot installed to remove the broken concrete, excavate to the proper depth with a good base of compacted decomposed granite, about 12" if memory serves, and then a layer of sand, about 4"....
by vested1
Sat Mar 23, 2019 3:39 pm
Forum: Personal Consumer Issues
Topic: ATT - "Inside Wire Repair"
Replies: 19
Views: 1965

Re: ATT - "Inside Wire Repair"

Most of the new demarcs have modular connections inside the box that you can unplug and plug in a known good phone, or perhaps two (one at a time) if you're unsure, in order to eliminate trouble beyond the demarc toward your house. If you do this test, unplug the connection and wait a minute before ...
by vested1
Sat Mar 23, 2019 3:21 pm
Forum: Personal Consumer Issues
Topic: ATT - "Inside Wire Repair"
Replies: 19
Views: 1965

Re: ATT - "Inside Wire Repair"

They call that little box the point of demarcation or "demarc". Might help with your call. Also, I cannot stress enough that you need to look at every charge ATT puts on a bill. They are masters at misbilling. After trying 6 months to leave them and finally succeeding, I will never use an ATT produ...
by vested1
Tue Mar 19, 2019 1:03 pm
Forum: Personal Consumer Issues
Topic: Fishing Kayak recommendation
Replies: 50
Views: 2343

Re: Fishing Kayak recommendation

IME, SOT kayaks are much more comfortable and efficient fishing platforms than a canoe, and the foot-peddle Hobie's even more so. The problem with a canoe is that light, cheap ones are very unstable and uncomfortable. Large, heavy canoes are much less tippy, of course, but still kinda uncomfortable...
by vested1
Sat Mar 16, 2019 8:07 am
Forum: Personal Consumer Issues
Topic: Fishing Kayak recommendation
Replies: 50
Views: 2343

Re: Fishing Kayak recommendation

Thumbs up on the canoe as well. We have a 16' Old Town Camper that weighs about 60 pounds. I've lowered the cane seats by changing out the dowels that attach the seats to the rails to add stability, and added kevlar with resin on the bottom of the bow and stern to protect the bottom when beaching. T...
by vested1
Fri Mar 15, 2019 3:55 pm
Forum: Personal Consumer Issues
Topic: Fishing Kayak recommendation
Replies: 50
Views: 2343

Re: Fishing Kayak recommendation

If he or she is 11, I would be thinking of getting two--it's hard to fish when you are piled up on one another and he will get older fast and probably want some independence. That also allows you to expand your fishing zone while still being "together." You should of course both wear life vests so ...
by vested1
Thu Mar 14, 2019 9:33 am
Forum: Personal Finance (Not Investing)
Topic: buy one's own medigap or ex-employer group
Replies: 7
Views: 527

Re: buy one's own medigap or ex-employer group

The only way to determine this is to look at the cost and coverages of all options. My wife's retiree insurance from her previous employer covered us both post Medicare for $100 a month, until it didn't. They transitioned on 1/1/19 to an advisory service that helps you determine which medigap plan i...
by vested1
Tue Mar 12, 2019 10:49 am
Forum: Personal Investments
Topic: Can't see retiring without 15x-30x fixed income
Replies: 217
Views: 15303

Re: Can't see retiring without 15x-30x fixed income

TheTimeLord, Your problem has nothing to do with money. You do not have something to retire to. To each its own. KlangFool That is not fair. He could spend more time on this web site. More time on other things. Even more time watching TV if he wanted. And still have more time to do other things he ...
by vested1
Sun Mar 10, 2019 11:04 am
Forum: Investing - Theory, News & General
Topic: Fixed vs Flexible Retirement Date
Replies: 15
Views: 883

Re: Fixed vs Flexible Retirement Date

My retirement date kept changing because I was committed to an amount of invested savings that I considered sustainable. I surpassed that goal several times over the last few years of employment, resetting my retirement clock each time and creating a higher goal amount. When I was finally comfortabl...
by vested1
Sat Mar 09, 2019 12:58 pm
Forum: Investing - Theory, News & General
Topic: Fixed vs Flexible Retirement Date
Replies: 15
Views: 883

Re: Fixed vs Flexible Retirement Date

I was criticized by contemporaries who asked me about my retirement plan, with the following aspect viewed as mental accounting gymnastics. I ignored the impact of SS benefits until my late 50's, projecting income as if SS didn't exist. A justification of that view was provided when changes in the l...
by vested1
Sat Mar 09, 2019 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Are my parents' finances a disaster waiting to happen? Seeking advice.
Replies: 105
Views: 10614

Re: Are my parents' finances a disaster waiting to happen? Seeking advice.

Multiple factors place the parents at risk. Sorry for positing the worst case scenario, but it's more prudent to plan in that regard. - SS benefits will be cut when one recipient dies. - If the survivor benefit of the pension is anything less than 100% monthly income will be reduced when the former ...
by vested1
Fri Mar 08, 2019 12:22 pm
Forum: Personal Consumer Issues
Topic: attacked by off-leash dog
Replies: 220
Views: 7054

Re: attacked by off-leash dog

I'm convinced nobody posting in this thread has ever seen a "well trained dog." You would be amazed what is possible. Also, is the OP gone? I took part in animal training over many sessions with my brother's large german shepherd (about 130 pounds) in a group of perhaps 15 dogs. As part of the trai...
by vested1
Fri Mar 08, 2019 12:09 pm
Forum: Personal Consumer Issues
Topic: attacked by off-leash dog
Replies: 220
Views: 7054

Re: attacked by off-leash dog

I guess I'm just a dog person. I've NEVER had a dog not like me. I've also NEVER seen a person attacked by a dog. I've seen people be extremely scared of dogs, even little 10 lb dogs. But they're never attacked. But this is an interesting thread. It's good to read the other perspectives. People see...
by vested1
Fri Mar 08, 2019 11:52 am
Forum: Personal Consumer Issues
Topic: attacked by off-leash dog
Replies: 220
Views: 7054

Re: attacked by off-leash dog

But I don't think a friendly tail-wagging dog is suddenly going to bite me. Here is the mistake I made years ago. Tail-wagging has nothing to do with friendly. It means the dog is excited. It might be excited because it wants to say hi or it might be excited because you seem a threat and it wants t...
by vested1
Fri Mar 08, 2019 11:39 am
Forum: Personal Consumer Issues
Topic: attacked by off-leash dog
Replies: 220
Views: 7054

Re: attacked by off-leash dog

Chow Chows are a very aggressive breed. They are not large in numbers, but are perhaps the highest in fatal attacks per capita. And here is the reason we paint with a broad brush. How are folks supposed to know/ expect to know what type of dog is more dangerous then another. This is why rules on le...
by vested1
Fri Mar 08, 2019 11:21 am
Forum: Personal Consumer Issues
Topic: attacked by off-leash dog
Replies: 220
Views: 7054

Re: attacked by off-leash dog

True story: I worked in a very rural area where many residents left their dangerous and aggressive dogs off leash with no fence. I remember one well to do renowned artist who had two dobermans that shadowed every workman who visited, growling and baring their teeth the entire time. I was told I woul...
by vested1
Fri Mar 08, 2019 10:35 am
Forum: Personal Consumer Issues
Topic: attacked by off-leash dog
Replies: 220
Views: 7054

Re: attacked by off-leash dog

It never ceases to amaze me how some dog owners will defend their decision to let their dogs run free at the peril of others. I worked for decades in a job that required me to visit up to 8 houses a day, and although I love dogs I was bitten several times. It's usually the seemingly friendly and sma...
by vested1
Tue Mar 05, 2019 11:11 am
Forum: Investing - Theory, News & General
Topic: Accounting for SS value
Replies: 50
Views: 2515

Re: Accounting for SS value

Since Social Security is a cash flow which can be spent we view SS as having a balance sheet value. Schwab annuity calculator says we would have to invest $770K+ in the simplest life annuity for the same monthly income received from SS. Such a valuation really skews stock exposure to a much higher ...
by vested1
Sat Mar 02, 2019 11:43 am
Forum: Personal Finance (Not Investing)
Topic: BH could you live off your SS benefit?
Replies: 141
Views: 7106

Re: BH could you live off your SS benefit?

Currently no, at 37k combined a year for my wife and I (her on her own benefit and me on spousal only). We have a huge advantage though in that both of our previous employers provide HRA's (Healthcare Reimbursement Accounts) which add up to $13,200 a year, with unused amounts rolled to the next year...
by vested1
Sat Mar 02, 2019 10:57 am
Forum: Personal Consumer Issues
Topic: Clearcoat Problem
Replies: 7
Views: 1443

Re: Clearcoat Problem

I assume this is a factory paint job. If not you may be able to get the car repainted for free, like I did with my truck. I am still the original owner of a 2000 GMC Sierra that was hit while parked 1 month after I bought it new, wiping out the entire driver's side. After 16 years the areas that had...
by vested1
Tue Feb 26, 2019 1:17 pm
Forum: Personal Consumer Issues
Topic: $5000 water bill-Help!
Replies: 68
Views: 6451

Re: $5000 water bill-Help!

I look at this from a different perspective, influenced by a family member who worked for a multi-State privately owned "water company" for 32 years, 15 of which were spent reading meters. I can't tell you how many times she was berated by customers, face to face, for a high bill caused by a leak o...
by vested1
Tue Feb 26, 2019 1:00 pm
Forum: Personal Consumer Issues
Topic: $5000 water bill-Help!
Replies: 68
Views: 6451

Re: $5000 water bill-Help!

I will also write to our County Council member about this situation--something like this could be catastrophic for someone without saving--and it can't be that uncommon. You also stated "The water company has said they will give us a one-time “courtesy” adjustment of ½ of the excess above our highe...
by vested1
Tue Feb 26, 2019 12:42 pm
Forum: Personal Consumer Issues
Topic: $5000 water bill-Help!
Replies: 68
Views: 6451

Re: $5000 water bill-Help!

I look at this from a different perspective, influenced by a family member who worked for a multi-State privately owned "water company" for 32 years, 15 of which were spent reading meters. I can't tell you how many times she was berated by customers, face to face, for a high bill caused by a leak on...
by vested1
Sun Feb 24, 2019 12:26 pm
Forum: Personal Consumer Issues
Topic: Is Hyundai the value sweet spot?
Replies: 124
Views: 9621

Re: Is Hyundai the value sweet spot?

Why not buy the outgoing 2018 model year for presumably a large discount? The 2019 is a pretty different car. I don't know about the 2018 model but I know 2017 required going pretty far uptrim to get basic safety equipment like blind spot monitor and AEB that is standard in most new cars. I am pret...
by vested1
Sun Feb 24, 2019 11:01 am
Forum: Personal Consumer Issues
Topic: Is Hyundai the value sweet spot?
Replies: 124
Views: 9621

Re: Is Hyundai the value sweet spot?

We leased a 2019 Hyundai Santa Fe UL 2.0T in December and used our 2007 Rav4 as a trade-in to lower the price. The old Rav4 had much worse road noise and so did the 2019 Rav4 we test drove, although improved, but the Santa Fe has a much smoother ride. The Santa Fe feels more solid on the road than t...
by vested1
Tue Feb 19, 2019 10:48 am
Forum: Investing - Theory, News & General
Topic: Do you look back and wish you were more aggressive?
Replies: 64
Views: 4482

Re: Do you look back and wish you were more aggressive?

I wish I had been more aggressive knowledgeable. Sheer luck in timing of retirement from megacorp telecom in early 2009, and the vague understanding that I should diversify away from the majority of company stock in my 401k worked out. Other coworkers who weren't so lucky continued to believe that p...
by vested1
Tue Feb 19, 2019 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Joining finances - what's easiest?
Replies: 38
Views: 2092

Re: Joining finances - what's easiest?

I'm grateful that my wife and I have one checking and one savings account. Why grateful? Because it was a lot less stressful when I got laid off at age 60 for 6 months, and went from getting paid 20% more than my wife to 20% (unemployment benefits) of what she was making. Regardless of how marital f...
by vested1
Sat Feb 16, 2019 1:36 pm
Forum: Personal Consumer Issues
Topic: Medicare Fraud?
Replies: 25
Views: 1985

Re: Medicare Fraud?

It may be that my personality doesn't allow me to consider this only my problem when it comes to dealing with calls or people who are trying to take advantage of seniors, partly because I am one now. I've always done that to anyone attempting to perpetrate a scam for that matter. If I get a call whe...
by vested1
Sat Feb 16, 2019 12:33 pm
Forum: Personal Consumer Issues
Topic: Medicare Fraud?
Replies: 25
Views: 1985

Re: Medicare Fraud?

Why are you even answering the phone? And if you do, why are you conversing wih them? This is one scam, but if you approach unsolicited phone calls in this manner you will be a target again. Nothing anyone calls you for will be to your benefit. If I were to refuse to answer all calls when I don't r...
by vested1
Sat Feb 16, 2019 10:59 am
Forum: Personal Consumer Issues
Topic: Medicare Fraud?
Replies: 25
Views: 1985

Re: Medicare Fraud?

...they were going to send out a kit for DNA testing to determine if her medications were causing her problems and as a screen for cancer. I'll be the first to predict their results will show a predisposition or a case of cancer that will require even more unnecessary lab tests... I stopped the cal...
by vested1
Sat Feb 16, 2019 10:56 am
Forum: Personal Consumer Issues
Topic: Medicare Fraud?
Replies: 25
Views: 1985

Re: Medicare Fraud?

We get a lot of calls for a Medicare approved back brace, and pain relieving gel. No thanks, don't want either even if Medicare has approved them. They both must generate lots of billing for Medicare. Broken Man 1999 The Medicare rep told me that the back brace scam is one of the most common. The c...