Search found 31 matches

by whr19606
Sun Nov 18, 2018 8:26 am
Forum: Personal Consumer Issues
Topic: New Crossover Confusion.....
Replies: 26
Views: 2170

Re: New Crossover Confusion.....

Subaru Forester or CrossTrek.
by whr19606
Thu Sep 27, 2018 6:28 pm
Forum: Personal Consumer Issues
Topic: Troubleshooting black specs in tub
Replies: 9
Views: 874

Re: Troubleshooting black specs in tub

Is it a Jacuzzi tub? We had similar black flecks when we ran the water pump. We contacted the tub manufacturer who said to fill the tub with water, add a couple of cups of Clorox, and run the pump for 10 minutes, then repeat. We did that, and no more flecks. If you add an aerator, won't the flecks e...
by whr19606
Mon Sep 17, 2018 2:15 pm
Forum: Personal Consumer Issues
Topic: Subaru Forester - ready to buy
Replies: 43
Views: 4421

Re: Subaru Forester - ready to buy

We just got a 2018 Forester Premium in August. It had the cold weather package (we wanted heated cloth seats), and the full safety package (Eyesight, Adaptive Cruise Control, Blind Spot Alert, and Rear Cross-Traffic Alert). Total sticker price was $28,805. Since we are tired of buying tires, batteri...
by whr19606
Wed Aug 15, 2018 10:37 am
Forum: Personal Consumer Issues
Topic: Adult piggy bank
Replies: 54
Views: 4837

Re: Adult piggy bank

For the past 15 or so years, we have saved all of our change in empty Folger's plastic coffee containers. As each one is filled, we give it to one of our Grandchildren, in rotation of course. We enjoy the giving, and they appreciate the receiving, and our Kids enjoy allowing their children to spend ...
by whr19606
Sat Jul 07, 2018 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 162
Views: 14529

Re: What I spent in 6 months on medicare

Am 76, retired for 7 years, with no employer-related health coverage. DW still works and has her own health insurances, so these costs are for me only. Since location affects Medigap costs, we live in Berks Co., PA. First 6 months of 2018: Medicare Part B - $804 Medigap (Plan G) - $1,530 Dr. office ...
by whr19606
Sun Jul 01, 2018 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 345
Views: 35981

Re: What is/ was your career and would you recommend it now?

BS in Industrial Engineering from Drexel, in a co-op program. During college was a tooling designer in a farm equipment manufacturer, then a trainee in a paper mill and a finally did time studies (the old efficiency expert) in a machine shop. Graduated in 1965 (between Sputnik and the moon landing, ...
by whr19606
Sat May 19, 2018 10:46 am
Forum: Personal Finance (Not Investing)
Topic: What’s your phone/internet bill?
Replies: 92
Views: 6993

Re: What’s your phone/internet bill?

Internet - local cable co.(only option) - $65/month for 25Mbps speed and 750 GB/month Home Phone - ATT cellular - $28/month (all calls free) Cells Phones - ATT prepaid - two phones for total of $56/3 months plus $.25/minute on all calls and $.20 for all texts TV - PlaystationVue Ultra - $75/month fo...
by whr19606
Sat May 05, 2018 8:32 am
Forum: Personal Consumer Issues
Topic: Warning: avoid Windows 10 update 1803
Replies: 117
Views: 14033

Re: Warning: avoid Windows 10 update 1803

Years ago we got tired of Windows security flaws, constant updates that never work as planned, and slow performance. Now we have a 3 year old MAC Mini and a 9 year old MacBookPro. Never had any issues. Am always happy that we paid a little more for computers that work smoothly and efficiently, provi...
by whr19606
Sun Mar 11, 2018 5:30 pm
Forum: Investing - Help with Personal Investments
Topic: 401(k) to Roth?
Replies: 2
Views: 357

Re: 401(k) to Roth?

She will start her SS April of this year. I have been on my SS for 6 years, so we know that SS is taxable. Since we'll either be withdrawing that $13K this year or next year or maybe 20 years from now, and since tax rates seem to change at the whim of Congress, shouldn't it either be a good idea a b...
by whr19606
Sun Mar 11, 2018 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: 401(k) to Roth?
Replies: 2
Views: 357

401(k) to Roth?

My Wife will be working until the end of this year. She soon starts collecting Social Security (Full Retirement Age). Since she is using all of this year's SS income for some house projects, does it make sense for her to withdraw $6,500 before April, and $6,500 after April, from her 401(k), to add $...
by whr19606
Thu Jun 15, 2017 6:42 pm
Forum: Investing - Help with Personal Investments
Topic: Comments on Planned Portfolio
Replies: 8
Views: 1006

Re: Comments on Planned Portfolio

Thanks again for the comments, I put Life Strategy Moderate Growth (VSMGX) in the mix and it fared poorly against the others. I had also included VBIAX (Balanced Fund), because of its 60/40 allocation, but it also did poorly. At this point, we are leaning toward 50% Total Stock Market (VTSAX) and 50...
by whr19606
Wed Jun 14, 2017 11:17 am
Forum: Investing - Help with Personal Investments
Topic: Comments on Planned Portfolio
Replies: 8
Views: 1006

Re: Comments on Planned Portfolio

Thanks very much for so many thoughtful comments so soon. I had not included any Life Strategy because they are newer and have about 10 less years of historical data to review. However, I am going to add Life Strategy Moderate Growth (VSMGX) to my evaluation spreadsheets and simulations to see how i...
by whr19606
Wed Jun 14, 2017 8:09 am
Forum: Investing - Help with Personal Investments
Topic: Comments on Planned Portfolio
Replies: 8
Views: 1006

Comments on Planned Portfolio

I'm retired and my Wife will soon retire. We plan to pool our 401(k)'s with Vanguard to establish a simple and easy to manage retirement portfolio that will not need future 'tweaking' and will be easy for her to manage if she survives me. I am 10 years older and although she is quite intelligent, sh...
by whr19606
Sat Jun 10, 2017 11:00 am
Forum: Personal Consumer Issues
Topic: What Do You Pay for an Oil Change?
Replies: 129
Views: 13299

Re: What Do You Pay for an Oil Change?

Our last oil change at Jiffy Lube cost us over $1,515. Instead of draining the oil in my Wife's 3-month old car, they drained the transmission and then proceeded to add 5 quarts of oil to the crankcase. Two weeks later the transmission became erratic. Our dealer showed us that the drain plug on the ...
by whr19606
Sat Oct 10, 2015 9:23 pm
Forum: Personal Consumer Issues
Topic: Planning a trip to Rome, need advice
Replies: 49
Views: 5037

Re: Planning a trip to Rome, need advice

We spent 3 nights/days in Rome last year at the end of our two week trip thru Europe to celebrate our 25th Anniversary. Traveled London, Paris, Venice, Florence, Siena, and Rome. We found Rome to be dirty and boring compared to the others. Florence, Siena, and side trips thru Tuscany were the high p...
by whr19606
Wed Feb 25, 2015 9:07 pm
Forum: Personal Consumer Issues
Topic: Subaru and Consumer Reports ratings
Replies: 100
Views: 20183

Re: Subaru and Consumer Reports ratings

Have had a 1999 Legacy and a 2005 Legacy. Both cars were economical, reliable, excellent in snow up to 8" deep, and comfortable and safe. We live in SE Pennsylvania and the AWD is great in rain and snow. We can get thru where 4WD vehicles, and FWD with snow tires get stuck. Absolutely the best car f...
by whr19606
Wed Feb 18, 2015 8:25 pm
Forum: Personal Consumer Issues
Topic: New laptop v. Refurbished, Apple v. Other
Replies: 14
Views: 2608

Re: New laptop v. Refurbished, Apple v. Other

I just had a new keyboard installed in my 2007 MacBook Pro by a California company called MacService. They took care of the shipping both ways and did an excellent replacement job for a reasonable price. I would consider them for future repairs. We just bought a new MacMini to replace our 5 year old...
by whr19606
Wed Oct 08, 2014 5:54 am
Forum: Personal Finance (Not Investing)
Topic: Cash-Back Credit Cards
Replies: 20
Views: 3800

Re: Cash-Back Credit Cards

dolphins are mammals - I currently have (7) $100 'Subaru Bucks' checks which are good for another year (I've been saving them for a head gasket replacement).

Many thanks to those who have replied. I appreciate your help.
by whr19606
Tue Oct 07, 2014 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: Cash-Back Credit Cards
Replies: 20
Views: 3800

Cash-Back Credit Cards

My Wife and I each have Chase "Subaru" credit cards.The benefit is that we earn $100 checks, for use at our Subaru dealer for parts and service, at a rate of 3% on all purchases. SInce we both have Subarus, and we use the cards for everything, from gas, to food, to utility bills, we haven't had to p...
by whr19606
Sun Jan 05, 2014 12:58 pm
Forum: Personal Consumer Issues
Topic: The Funniest Movie Ever
Replies: 227
Views: 22886

Re: The Funniest Movie Ever

Although many movies have a really funny moment, for consistently funny movies our votes go to "The Dream Team" and "Planes, Trains, and Automobiles".

Loved both of them.
by whr19606
Wed Jun 05, 2013 7:11 am
Forum: Personal Consumer Issues
Topic: Wireless Water Meter Aggravation
Replies: 23
Views: 2176

Re: Wireless Water Meter Aggravation

It sounds like they would have to perform a confined space entry to get into the pit to read the meter. That is costly, but should be their problem unless the previous owner signed some sort of agreement, binding on subsequent owners, with them for his/her convenience. That should be checked with a ...
by whr19606
Sat May 18, 2013 6:17 am
Forum: Personal Consumer Issues
Topic: Uh, Oh, possible termites on concrete garage floor!
Replies: 10
Views: 6405

Re: Uh, Oh, possible termites on concrete garage floor!

I would definitely contact a professional exterminating company. My home is too valuable an asset to do otherwise. This is akin to seeing smoke coming out of a wall - wouldn't you call the fire department for that? For over 10 years we have had Ehrlich's come out quarterly and examine our house for ...
by whr19606
Sat Mar 09, 2013 7:36 am
Forum: Personal Finance (Not Investing)
Topic: So how long will I live? How long do I plan for?
Replies: 55
Views: 5638

Re: So how long will I live? How long do I plan for?

There are actuarial tables that will show how many years you may have left (statistically) given your current age, but on an individual basis this is usually a crap shoot. Here is the one used by Social Security http://www.ssa.gov/oact/STATS/table4c6.html . In my opinion, your life expectancy depend...
by whr19606
Fri Nov 23, 2012 11:33 am
Forum: Personal Consumer Issues
Topic: Slide rule anyone?
Replies: 88
Views: 10382

Re: Slide rule anyone?

I managed to graduate as an engineer from Drexel University in 1965, using a $2.00 plastic circular slide rule. It was about 4 inches in diameter, and was quite the novelty. I told anyone who asked that I used it because I never 'ran off the ends' or had to use the 'folded scales'. It cracked when I...
by whr19606
Wed Sep 19, 2012 9:05 am
Forum: Personal Consumer Issues
Topic: Best Used Commuter Car Under $14,000 - Snow/Long Commutes
Replies: 27
Views: 5840

Re: Best Used Commuter Car Under $14,000 - Snow/Long Commute

As an owner of several Subaru's, I cannot suggest anything else. They are very safe, reasonably economical, extremely reliable, and their AWD system is simply the best. Any of ours would easily go through up to 8 or 9 inches of snow with no problem. I recommend them to all of my friends and family. ...
by whr19606
Wed Dec 28, 2011 7:15 am
Forum: Personal Consumer Issues
Topic: Does fruit cake require refrigeration?
Replies: 14
Views: 5645

Re: Does fruit cake require refrigeration?

There is a theory that there has actually only ever been one fruitcake and it is just passed around from person to person (re-gifted).
by whr19606
Wed Dec 21, 2011 6:13 pm
Forum: Personal Consumer Issues
Topic: What song describes your life?
Replies: 67
Views: 4544

Re: What song describes your life?

Artist: Travis Tritt Song: We've Had It All Album: My Honky Tonk History Tritt Travis Sheet Music Tritt Travis CDs Download RingtoneSend “We've Had It All” Ringtone to Cell PhoneDownload Ringtone There ain't a road That we ain't traveled Good times and bad Both great and small And when it seemed It ...
by whr19606
Wed Jul 27, 2011 7:08 pm
Forum: Personal Consumer Issues
Topic: Do you fear death?
Replies: 89
Views: 7694

Fearing Death

I believe it was Woody Allen who once said "I'm not afraid of dying, I just don't want to be there when it happens!" But to seriously answer the question - --religious comment deleted-- no, I'm not afraid of death, which is merely changing from one state of existence to another. And, upon reflection...
by whr19606
Wed Oct 15, 2008 6:39 pm
Forum: Investing - Help with Personal Investments
Topic: Stop 401(k) and switch to Roth?
Replies: 7
Views: 1588

Alec -

I started collecting SS at my Full Retirement Age of 65 years and 10 months to increase our total income and allow us to ramp up our retirement savings and also pay for some major house projects.

Thanks.

- Bill
by whr19606
Wed Oct 15, 2008 6:10 pm
Forum: Investing - Help with Personal Investments
Topic: Stop 401(k) and switch to Roth?
Replies: 7
Views: 1588

Stop 401(k) and switch to Roth?

I accidentally posted this question in the Personal Finance Forum before I realized that it probably belongs here. I apologize to anyone who sees it twice. I am almost 67 and my Wife is almost 57. We are both employed full-time, and I currently also collect monthly SocSec retirement benefits. I need...
by whr19606
Wed Oct 15, 2008 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: Stop 401(k) and switch to Roth?
Replies: 4
Views: 1188

Stop 401(k) and switch to Roth?

I am almost 67 and my Wife is almost 57. We are both employed full-time, and I currently also collect monthly SocSec retirement benefits. I need to work until I'm about 70 to meet our retirement savings goal. If we meet that goal, I can fully retire at 70, and my Wife can fully retire 2 years later ...