Search found 2046 matches

by vested1
Mon May 25, 2020 5:02 am
Forum: Personal Consumer Issues
Topic: If Jeep has such poor reliability, how come they are everywhere?
Replies: 143
Views: 9689

Re: If Jeep has such poor reliability, how come they are everywhere?

The Jeep Grand Cherokee is my favorite vehicle as a car rental, and I enjoy it even more knowing that I don't get the repair bills. We rented a Rubicon on an extended Big Island vacation, which was fun, although we never got it into 4WD. It did look cool in the beach parking lot though. My daughters...
by vested1
Sun May 24, 2020 6:23 am
Forum: Personal Finance (Not Investing)
Topic: Refinance appraisal issue
Replies: 14
Views: 895

Re: Refinance appraisal issue

I assume your lender holds the mortgage and is using their own appraiser. This may explain the lower than expected appraisal. I suspect they have a motive. I applied for a HELOC on my previous home in California but as is my (bad) habit, told them too much. I mentioned that I was not going to use it...
by vested1
Sat May 23, 2020 7:38 am
Forum: Personal Consumer Issues
Topic: What is your most luxury/expensive hobby.
Replies: 262
Views: 19228

Re: What is your most luxury/expensive hobby.

Fishing and the boats/gear needed to enjoy it. 70k on two boats and dock refurbishing since last August, with a new pontoon and bass boat, new boat lift and PVC decking for 636 sq ft covered dock with one slip. Just ordered and will install myself a Yakport addition ($1,200) to one side of the dock ...
by vested1
Fri May 22, 2020 7:05 am
Forum: Personal Finance (Not Investing)
Topic: Turning 65, Medicaire questions
Replies: 68
Views: 4115

Re: Turning 65, Medicaire questions

A couple of things to consider if you decide to go with Medicare plus supplemental. Choose the plan that makes the most sense for you and then the lowest cost provider for that plan. Don't worry about customer satisfaction ratings of the supplement company. The truth is that you will never deal wit...
by vested1
Thu May 21, 2020 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Turning 65, Medicaire questions
Replies: 68
Views: 4115

Re: Turning 65, Medicaire questions

We've been on A, B, D, and N (D and N are supplemental) for almost 3 years. We moved to a location that offers MA and at open enrollment we almost went with MA because of the zero premium. After reading about it and speaking with a former employer's non-biased Medicare advisory service we decided to...
by vested1
Tue May 19, 2020 5:50 am
Forum: Personal Consumer Issues
Topic: Choosing Kayak Paddles
Replies: 9
Views: 611

Re: Choosing Kayak Paddles

Tell us about the kayak. Is it a SINK (sit inside) or SOT (sit on top)? If SOT, does it have a raised seat? Better yet, tell us the make/model kayak. : It's an on top Hurricane Kayak: Make/Model Weight Length Beam Capacity Hurricane Skimmer 140 Tandem 65 lbs / 29.48 kg 14’ / 4.27 m 33” / 83.82 cm 4...
by vested1
Tue May 19, 2020 5:25 am
Forum: Personal Consumer Issues
Topic: Lowes vs Home Depot
Replies: 97
Views: 14231

Re: Lowes vs Home Depot

I miss my Lowes and Home Depot from our previous State of California. Here in SC both are located close to each other. I go to Lowes for gardening supplies and HD for lumber and hardware. I was shocked to find that I couldn't find a variety of treated lumber in either. There is only what appears to ...
by vested1
Tue May 19, 2020 4:54 am
Forum: Personal Consumer Issues
Topic: Stinkbug screened in deck problem
Replies: 25
Views: 2216

Re: Stinkbug screened in deck problem

..., we saw them boiling out from between the deck boards!!! Excellent visual. Thank you! I'm wondering if a natural solution would work: You know, a herd of iguanas or other lizards, a flock of birds, or maybe a troop of domesticated wolf spiders that keep to one corner of the deck until night tim...
by vested1
Tue May 19, 2020 4:19 am
Forum: Personal Consumer Issues
Topic: Choosing Kayak Paddles
Replies: 9
Views: 611

Re: Choosing Kayak Paddles

My wife and I are new to kayaking and just bought a tandem kayak. It is 33 inches maximum width 14 feet long on top type. I have looked about what to buy online but would like some personal suggestions. Since we are in our late sixties it will be recreational with some fly fishing. I am six feet 17...
by vested1
Mon May 18, 2020 5:08 am
Forum: Personal Consumer Issues
Topic: How did you feel after giving notice to retire?
Replies: 52
Views: 4293

Re: How did you feel after giving notice to retire?

I've been retired 4.5 years and have never regretted a second of it. I had initially retired from megacorp due to reaching their lump sum retirement threshold after 31 years. Leaving that job was difficult because of mutual respect, and the fact that I was at the top of my game. I continued working ...
by vested1
Sun May 17, 2020 5:56 am
Forum: Personal Finance (Not Investing)
Topic: Thinking of buying a boat during pandemic – am I CRAZY?
Replies: 80
Views: 5331

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

inbox788 wrote:
Sat May 16, 2020 6:38 pm

Pontoon Boat Recommendations?
viewtopic.php?t=287368
Thanks for the reminder. Just updated.
by vested1
Sun May 17, 2020 5:50 am
Forum: Personal Consumer Issues
Topic: Pontoon Boat Recommendations?
Replies: 26
Views: 2413

Re: Pontoon Boat Recommendations?

Update due to a reference from a newer thread, one from an OP whose net worth eclipses ours. One small note on that other thread; it didn't take long for the tired old "A boat is a hole in the water that you pour money into" sort of comments to emerge. Hey, when you live on a lake, you get a boat or...
by vested1
Fri May 15, 2020 5:33 am
Forum: Personal Finance (Not Investing)
Topic: Best way to simulate the retirement, living off investments ; Not touching monthly salaries
Replies: 44
Views: 3207

Re: Best way to simulate the retirement, living off investments ; Not touching monthly salaries

Do you really need to simulate something that simple math clearly shows is either capable or not? When you retire your spending and taxes will also change a lot so you need to take that into account so what you are spending now may not be all that relevant. These two quotes cut right to the chase. ...
by vested1
Thu May 14, 2020 4:57 am
Forum: Personal Finance (Not Investing)
Topic: Does Delaying Social Security Deliver an 8% Return?
Replies: 92
Views: 7426

Re: Does Delaying Social Security Deliver an 8% Return?

There's a big difference in an increase in returns and an increase in payout . Delaying SS benefits does the latter, not the former. While delaying SS benefits results in greater benefits, this is offset (at least partly) by the fact that you are not getting any benefits at all during the period in...
by vested1
Thu May 14, 2020 4:48 am
Forum: Personal Finance (Not Investing)
Topic: Does Delaying Social Security Deliver an 8% Return?
Replies: 92
Views: 7426

Re: Does Delaying Social Security Deliver an 8% Return?

I know someone who plans to work till 70 but start taking benefits at 66. I think they would benefit from trying to not collect till 70 because they haven't invested with Boglehead principles and I don't think they have a lot in their retirement plan. I think they would benefit from that extra mone...
by vested1
Wed May 13, 2020 6:53 am
Forum: Personal Consumer Issues
Topic: BJJ -martial art
Replies: 58
Views: 3001

Re: BJJ -martial art

Pointers I've gotten so far include that the school vibe and the instructor are the key. Age young 50's. Bike and swim some. Can it safely be started and continued at this age? How old are you? If you've given up on BJJ why? Thanks What is your goal? Self defense Fitness etc. You said you bike and ...
by vested1
Tue May 12, 2020 7:48 am
Forum: Personal Consumer Issues
Topic: BJJ -martial art
Replies: 58
Views: 3001

Re: BJJ -martial art

Martial arts made a meaningful and permanent impact in my life, and I will be forever grateful for being fortunate enough to have found instructors who understood that physicality is only one aspect of training, and that physical prowess is transitory, while the mental benefits will last a lifetime ...
by vested1
Sat May 09, 2020 6:52 am
Forum: Personal Consumer Issues
Topic: Tree Service Cost
Replies: 34
Views: 2211

Re: Tree Service Cost

Those are very good prices. In northern Virginia, I think I paid about $1,200 to have a large oak tree removed, and the stump ground out. On the other hand, $450 to buy six new trees and have them delivered seems high to me. If they planted them as well, that would be fair. Pay premium for 6' tall ...
by vested1
Tue May 05, 2020 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Moving from High taxed state to no income tax state
Replies: 44
Views: 3104

Re: Moving from High taxed state to no income tax state

State tax is all personal. There is no one size fits all number. You have to look at each place you’re considering and run the numbers for your situation. When I retired, we moved from “no tax” WA to “high tax” CA, and our total tax burden went down significantly. CA income tax is very progressive,...
by vested1
Tue May 05, 2020 5:44 am
Forum: Personal Finance (Not Investing)
Topic: Moving from High taxed state to no income tax state
Replies: 44
Views: 3104

Re: Moving from High taxed state to no income tax state

It might be more useful to post which state you are leaving and one or two states you are considering moving to. Good topic. +1 States need to get their revenue from somewhere, and it usually adds up to be close to the same amount in some kind of tax. The exceptions are usually those States which g...
by vested1
Mon May 04, 2020 10:16 am
Forum: Personal Consumer Issues
Topic: Do Cell Phone Boosters Work?
Replies: 24
Views: 1453

Re: Do Cell Phone Boosters Work?

If you have the same Samsung unit as the OP, then you have Verizon's Network Extender, not a booster. Your weak cell tower signal is not being rebroadcast through your house... your signal, through the extender, is being carried by your internet connection. Sorry, you are incorrect. Regardless of s...
by vested1
Mon May 04, 2020 4:32 am
Forum: Personal Finance (Not Investing)
Topic: Decide on keeping/selling the house
Replies: 23
Views: 2532

Re: Decide on keeping/selling the house

I would say any regret that was experienced in selling our home of 25 years last year in Ca belonged to the buyer, especially since they paid about 10% over what comps were selling for. But then again, we got lucky. Do you feel lucky right now? I would dismiss your regrets as water under the bridge....
by vested1
Mon May 04, 2020 4:03 am
Forum: Personal Consumer Issues
Topic: Do Cell Phone Boosters Work?
Replies: 24
Views: 1453

Re: Do Cell Phone Boosters Work?

We bought the $250 Samsung booster for our home and it works great, <snip> There are two types of equipment to improve the Verizon signal, an extender which is cheaper and worthless in my opinion, and the booster which is worth every penny. If you have the same Samsung unit as the OP, then you have...
by vested1
Mon May 04, 2020 3:21 am
Forum: Personal Consumer Issues
Topic: Do Cell Phone Boosters Work?
Replies: 24
Views: 1453

Re: Do Cell Phone Boosters Work?

We bought the $250 Samsung booster for our home and it works great, although VZ didn't offer to lend us one for free, even though I told them I had read that they sometimes do. No cell carrier provides a good signal in our semi-rural location. We use Verizon for our cell service and went from not be...
by vested1
Thu Apr 30, 2020 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Drivers license Cancelled
Replies: 48
Views: 5443

Re: Drivers license Cancelled

When we moved from CA to SC last year we couldn't get an SC DL license without having SC insurance and we couldn't get SC insurance without having a DL license from our previous State of CA and proof of insurance from CA. You don’t need to own a car to get a driver’s license. Teens get them every d...
by vested1
Thu Apr 30, 2020 9:33 am
Forum: Personal Finance (Not Investing)
Topic: PPP Loan ethics
Replies: 56
Views: 3691

Re: PPP Loan ethics

Personally, I would opt to withdraw the loan application if there is any nagging guilt associated with it. Only the OP can determine that. I talked to a self-employed business owner who bragged about getting his PPP loan and in the next breath mentioned large purchases unrelated to employee payroll...
by vested1
Thu Apr 30, 2020 4:51 am
Forum: Personal Finance (Not Investing)
Topic: Drivers license Cancelled
Replies: 48
Views: 5443

Re: Drivers license Cancelled

Thank you for bringing this to everyone's attention. This same situation is common in the U.S. when you move to another State, although your situation is made worse by the pandemic, temporary residence in another State, and perhaps by a bit of procrastination, which is an assumption. When we moved f...
by vested1
Wed Apr 29, 2020 9:49 am
Forum: Personal Finance (Not Investing)
Topic: PPP Loan ethics
Replies: 56
Views: 3691

Re: PPP Loan ethics

Is there even any money to be had? Last, or the previous week, the SBA announced it had paid out all the funds and had nothing left. Was there another funding bill passed? Yes a new bill was just signed that gives 484 billion in relief, with 310 billion going to the PPP program. It is expected that...
by vested1
Wed Apr 29, 2020 7:17 am
Forum: Personal Finance (Not Investing)
Topic: PPP Loan ethics
Replies: 56
Views: 3691

Re: PPP Loan ethics

Personally, I would opt to withdraw the loan application if there is any nagging guilt associated with it. Only the OP can determine that. I talked to a self-employed business owner who bragged about getting his PPP loan and in the next breath mentioned large purchases unrelated to employee payroll ...
by vested1
Mon Apr 27, 2020 11:30 am
Forum: Personal Consumer Issues
Topic: How long to wait for a toll by mail bill?
Replies: 20
Views: 1070

Re: How long to wait for a toll by mail bill?

Took about 6 months in Texas for me when we picked up our travel trailer and drove back to Ca. No plate on the trailer (new) and a picture of the front plate was sent with the bill. In SC where we now live there are no front license plates so I guess it would have been free since they couldn't see t...
by vested1
Sat Apr 25, 2020 3:18 pm
Forum: Personal Consumer Issues
Topic: Tree Service Cost
Replies: 34
Views: 2211

Re: Tree Service Cost

I have chainsaws, hand saws, climbing gear, and do my own work in CA. The gear is far less than the exorbitant prices here. Worker’s compensation has a bit to do with our cost as well. Fortunately, I’ve got a background that allows me to do my own work. I have a small chipper too. I have an unmarri...
by vested1
Sat Apr 25, 2020 3:01 pm
Forum: Personal Consumer Issues
Topic: Tree Service Cost
Replies: 34
Views: 2211

Re: Tree Service Cost

I have chainsaws, hand saws, climbing gear, and do my own work in CA. The gear is far less than the exorbitant prices here. Worker’s compensation has a bit to do with our cost as well. Fortunately, I’ve got a background that allows me to do my own work. I have a small chipper too. I have an unmarri...
by vested1
Sat Apr 25, 2020 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Take Social Security now, at 66, during Corona-virus?
Replies: 61
Views: 4965

Re: Take Social Security now, at 66, during Corona-virus?

I contributed to your earlier thread and wanted to congratulate you on your patience in waiting until age 66, which in retrospect was a wise decision. I'm going to be 68 in a couple of months and am still delaying, but I'm married, so my reasons for doing so are more advantageous than yours. The co...
by vested1
Sat Apr 25, 2020 6:46 am
Forum: Personal Finance (Not Investing)
Topic: Take Social Security now, at 66, during Corona-virus?
Replies: 61
Views: 4965

Re: Take Social Security now, at 66, during Corona-virus?

I contributed to your earlier thread and wanted to congratulate you on your patience in waiting until age 66, which in retrospect was a wise decision. I'm going to be 68 in a couple of months and am still delaying, but I'm married, so my reasons for doing so are more advantageous than yours. The cor...
by vested1
Sat Apr 25, 2020 6:23 am
Forum: Personal Consumer Issues
Topic: Costco Delivery
Replies: 41
Views: 5636

Re: Costco Delivery

I was in my local Costco yesterday. There was tons of TP, paper towels, and water. Check out your local Costco if you need any to these items. It very much depends on which Costco and where you live. My local Costco's were heavily overused and sometimes ran out of stock even before C19. They certai...
by vested1
Sat Apr 25, 2020 5:59 am
Forum: Personal Consumer Issues
Topic: Tree Service Cost
Replies: 34
Views: 2211

Re: Tree Service Cost

Here's a shocker. My neighbor contacted our HOA to cut down a 30-35 foot, one foot diameter, maple tree about 10 feet away from the fence on a slight slope. Tree roots has invaded his lawn and and including my koi pond and waterfall. Landscaping contracted to our community gave a quote for $26K to ...
by vested1
Fri Apr 24, 2020 1:34 pm
Forum: Personal Consumer Issues
Topic: Tree Service Cost
Replies: 34
Views: 2211

Tree Service Cost

I've got to say that I continue to be amazed at the difference in cost for certain services in our new State of SC as compared to California. I was wondering what others pay for tree service, although I suspect it can't match what we pay. Don't get me wrong, we loved California, but wonder why some ...
by vested1
Fri Apr 24, 2020 12:35 pm
Forum: Personal Consumer Issues
Topic: lawn care cost
Replies: 107
Views: 10231

Re: lawn care cost

$120 a month for service every two weeks, which includes mowing, blowing the leaves, weeding and edging. The yard is sloped in the front. Lot is .6 acres, mostly grass. No way I could do it at my age without being sore for a few days after using a push power mower and doing the weeding/edging. A rid...
by vested1
Fri Apr 24, 2020 9:01 am
Forum: Personal Finance (Not Investing)
Topic: CARES stimulus check for elderly parents
Replies: 15
Views: 1369

Re: CARES stimulus check for elderly parents

Strictly as a attempt to help the OP, and not as a comment on pending legislation I would suggest the OP read this article, which if what is expected happens, may fill this apparent hole that the OP has fallen into. https://www.newsweek.com/3-things-know-about-potential-coronavirus-stimulus-payment-...
by vested1
Fri Apr 24, 2020 5:12 am
Forum: Personal Finance (Not Investing)
Topic: Chase PPP Failure--Part Deux
Replies: 24
Views: 1908

Re: Chase PPP Failure--Part Deux

it's utterly ridiculous and a travesty that companies who are still earning strong revenues or have even seen increases in business are applying and receiving this money. I know congress wanted to rush this out so people got money quickly, but it seems like the biggest no brainer even a child would...
by vested1
Fri Apr 24, 2020 4:43 am
Forum: Personal Consumer Issues
Topic: Pandemic leading to cost savings?
Replies: 14
Views: 1328

Re: Pandemic leading to cost savings?

The cost savings aspect surprised me as well. I started cutting my own hair with a clipper and accessory set I bought online. As a result I've covered all the mirrors in the house at my wife's request. My wife hasn't gone to get her nails, brows, or hair done in two months. She is fearful that I may...
by vested1
Thu Apr 23, 2020 3:38 pm
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 72359

Re: Bogleheads community discussion - Coronavirus

This may have been mentioned before, but Kinsa is a company that tracks the temperatures (with user's permission) downloaded automatically from their thermometer and displays all counties throughout the country, and whether or not the results are atypical and to what level. Supposedly this tracks we...
by vested1
Thu Apr 23, 2020 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Chase PPP Failure--Part Deux
Replies: 24
Views: 1908

Re: Chase PPP Failure--Part Deux

All this and two members of my immediate family can't seem to get a PPP loan through Chase for their business, at least so far, even though their incoming revenue has gone to zero. Contrast that to a guy I just talked to who said he got a big loan from the PPP program (unknown bank) on the first go ...
by vested1
Thu Apr 23, 2020 6:54 am
Forum: Personal Consumer Issues
Topic: Costco Delivery
Replies: 41
Views: 5636

Re: Costco Delivery

I ordered TP a week ago, limit one 24 pack per customer and was told a minimum of 2 weeks longer before it will be delivered. No TP or paper towels anywhere when shopping in person locally. I ordered 2 different thermometers from Amazon a month ago at 4 times the normal price. No estimate on deliver...
by vested1
Thu Apr 23, 2020 6:44 am
Forum: Personal Finance (Not Investing)
Topic: Best Covid19 resistant job
Replies: 154
Views: 9612

Re: Best Covid19 resistant job

Before we retired I worked as a cell site design and fiber delivery engineer. My wife worked for a mega drinking water utility. Those industries should be bulletproof. On the flip side, which industries would be most negatively affected? Any that rely on social gathering or the interaction of large ...
by vested1
Thu Apr 23, 2020 6:25 am
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 72359

Re: Bogleheads community discussion - Coronavirus

So that’s the thing. There needs to be specific policies and guidelines regarding how to do this at a national level. We’ve now had 3 months to come up with a plan in this country to get past shelter in place. We still don’t have one. We are likely not going to have a national policy because that’s...
by vested1
Mon Apr 20, 2020 7:29 am
Forum: Investing - Theory, News & General
Topic: SS and Pension
Replies: 40
Views: 2815

Re: SS and Pension

P.S. With respect to the OP's difficulty in getting his simple question answered: I think part of the problem is that this is one issue where the Boglehead consensus is pretty much contra-Bogle ... and few folks feel comfortable saying St. Jack was wrong. One of a few subjects where heresy is punis...
by vested1
Sun Apr 19, 2020 2:49 pm
Forum: Personal Consumer Issues
Topic: AT High Risk and medical appointments
Replies: 13
Views: 722

Re: AT High Risk and medical appointments

The hospital is near capacity with COVID-19 patients. Just curious where you are located where this is the case. I'd rather not give a specific location, but it's in South Carolina. Effective today the hospital system I'm referring to furloughed 3,900 employees due to loss of revenue. This is due t...
by vested1
Sun Apr 19, 2020 9:47 am
Forum: Personal Consumer Issues
Topic: AT High Risk and medical appointments
Replies: 13
Views: 722

Re: AT High Risk and medical appointments

My wife's and my own PCP offices are located inside our local large hospital, about 12 miles distant, which is the only one in the area. We were emailed last month and asked not to come in person unless it was an emergency. My wife and I are 66 and 67 respectively and we both have other risk factors...
by vested1
Fri Apr 17, 2020 4:47 am
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 72359

Re: Bogleheads community discussion - Coronavirus

But please just stay home.1 The original stay at home order in my state was issued 3/30 and was to be for two weeks (although some business like restaurants, etc were closed 10 days earlier). Then the order was extended through 4/30. Well, okay. Let me tell you though, come 5/1 I don't give a d*** ...