Search found 37 matches

by ten2go
Tue Apr 07, 2020 11:09 am
Forum: Personal Consumer Issues
Topic: Gas stabilizer and Covid 19
Replies: 34
Views: 2905

Re: Gas stabilizer and Covid 19

We're only leaving the house for groceries every 7 to 10 days. At this rate, it could more than a year before we need to buy a tank of gas. Or 2 years if we use both cars. :) With the stay at home rules in place, I'm intentionally not driving any more than to get groceries. If everyone took long unn...
by ten2go
Tue Dec 03, 2019 10:51 am
Forum: Personal Consumer Issues
Topic: Neighbor still using driveway, shoveling path to their garbage
Replies: 40
Views: 2765

Re: Neighbor still using driveway, shoveling path to their garbage

When you build that fence, make sure to place it 2 or 3 feet inside your property line. That way you can construct it and maintain it without stepping foot on your neighbor's property. You would not want to trespass! ;)
by ten2go
Sun Nov 24, 2019 7:42 pm
Forum: Personal Consumer Issues
Topic: Found hidden safe, should we crack?
Replies: 353
Views: 98809

Re: Found hidden safe, should we crack?

Make sure to search the rest of the house and contents for the combination. Maybe it is written somewhere, such as the back of a cabinet door or underside of a kitchen drawer?
by ten2go
Wed Oct 02, 2019 9:32 am
Forum: Personal Investments
Topic: Mega backdoor right for me?
Replies: 9
Views: 641

Re: Mega backdoor right for me?

Is there any reason not to go all the way to the $56K limit? or, I guess that is $62K above age 50. Immediately switching all after-tax contributions to Roth?
Assuming this is all money you were setting aside for retirement anyway.
by ten2go
Fri Jun 14, 2019 12:27 pm
Forum: Personal Investments
Topic: Why are my Vanguard returns suddenly so low?
Replies: 40
Views: 6743

Re: Why are my Vanguard returns suddenly so low?

I think it is a 10-year return by default. So, if the stock market was rising in summer 2009, that appears as less of a gain than when you look back at winter of 2009.
by ten2go
Mon May 06, 2019 10:24 am
Forum: Personal Consumer Issues
Topic: Crawl Space vs. Concrete Slab House Foundation
Replies: 19
Views: 2727

Re: Crawl Space vs. Concrete Slab House Foundation

Crawl spaces in NC often mean that your first floor HVAC and ductwork can be down there (with the AC compressor outside). On lower clearance crawl spaces, you'll typically need a gas-pack style unit outside. With high clearance crawl spaces, I've even seen hot water heaters down there. And some stor...
by ten2go
Tue Feb 26, 2019 9:26 am
Forum: Personal Consumer Issues
Topic: Suggestion on high ceiling condo heat issues
Replies: 34
Views: 2300

Re: Suggestion on high ceiling condo heat issues

Have you tried setting the HVAC fan to "ON" instead of "Auto". This may help to more evenly distribute the air. Hopefully, there is a cold air return on the 2nd floor which is open. Also check around 1st floor doors, windows and fireplace. If the weather stripping or insulation c...
by ten2go
Tue Jan 08, 2019 9:29 am
Forum: Personal Consumer Issues
Topic: Engineer Co-op question
Replies: 14
Views: 1040

Re: Engineer Co-op question

Go for it. Apply, interview. If you do not get it, ask where you could have done better or what you are lacking. Polish those skills and try again next year. Often engineering co-ops lead to another co-op or a full-time offer. Pay is usually very good. Work on that GPA. Double down on ALL of your cl...
by ten2go
Thu Dec 13, 2018 10:01 pm
Forum: Personal Consumer Issues
Topic: Potential New Home - Planes and Trains Noise
Replies: 35
Views: 2824

Re: Potential New Home - Planes and Trains Noise

I live near an airport. They publish maps showing bands of noise and flight paths. I recommend you go spend a couple hours here and there at the potential sites to observe the aircraft noise. Most runways have 2 main traffic patterns depending on which way the wind blows (which side of the runway th...
by ten2go
Tue Nov 13, 2018 9:44 am
Forum: Personal Consumer Issues
Topic: How long have you had, or did you have, your HP-12C calculator?
Replies: 72
Views: 3524

Re: How long have you had, or did you have, your HP-12C calculator?

No HP-12C, but still using my TI-85 from 1993. TI made some solid calculators back then. Maybe they still do, but I am not ready for an upgrade yet.
by ten2go
Fri Nov 09, 2018 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Garden SFCU 4% 4-year CD, 6 month EWP
Replies: 35
Views: 2744

Re: Garden SFCU 4% 4-year CD, 6 month EWP

Due to the tremendous success of our certificate promotion, we have concluded the special rates that were being offered as of the end of business on Friday, November 9th. However you can still join us as we celebrate America's military Veterans this month as we will continue to donate money to supp...
by ten2go
Fri Aug 24, 2018 10:36 pm
Forum: Investing - Theory, News & General
Topic: Which bond index fund best in taxable acct?
Replies: 22
Views: 3056

Re: Which bond index fund best in taxable acct?

What about VTEAX instead of VWITX? It seems more diversified to cover all maturities instead of just intermediate-term funds.

VTEAX does have a 0.25% purchase fee. I'd be ok with the fee if I was in for the long haul.
by ten2go
Tue Aug 07, 2018 4:13 pm
Forum: Personal Investments
Topic: How much should I have saved--and where?--to achieve FI without the RE?
Replies: 2
Views: 491

Re: How much should I have saved--and where?--to achieve FI without the RE?

Perhaps getting a roommate could help you reduce your largest expense. Savings of ~$10k a year?
by ten2go
Fri Aug 03, 2018 8:52 am
Forum: Personal Consumer Issues
Topic: best place to hide a key
Replies: 63
Views: 5538

Re: best place to hide a key

I carry a spare car key in my wallet. I used to carry one in my wallet back in the day when the keys were thin. But, the more modern keys are just too fat.... Same here. I used to carry the key to my car doors in my wallet. I would have an extra ignition key hidden inside the car. Once key's became...
by ten2go
Tue Jul 31, 2018 8:19 am
Forum: Personal Investments
Topic: What is "Vanguard select"
Replies: 7
Views: 1306

Re: What is "Vanguard select"

Wish they still had free Turbotax for Flagship. That was a small perk, but it was the only value I was looking to get out of Flagship membership.
by ten2go
Fri Jul 27, 2018 12:39 pm
Forum: Personal Consumer Issues
Topic: DisneyWorld-Needing specific advice
Replies: 33
Views: 2398

Re: DisneyWorld-Needing specific advice

3 days is a short trip. If you're going to stay at a Disney resort, I would skip Universal. Are you driving or flying? If flying into Orlando, you can take the Disney Magic Express bus to the resort. There are shuttle buses to take you to the theme parks each day. Not sure how you'd get to Universal...
by ten2go
Fri Jul 13, 2018 8:56 am
Forum: Personal Consumer Issues
Topic: 2011 Honda was with 6 differential flushes?
Replies: 13
Views: 1272

Re: 2011 Honda was with 6 differential flushes?

My 2006 Honda CRV manual says change diff fluid at 90,000 miles. My 2004 CRV also says 90,000 miles for diff fluid change. However, it starts making a rubbing sound when making low speed tight turns (such as in a parking lot) if I let it go past roughly 25-35,000 miles. I've been getting it changed...
by ten2go
Thu Mar 01, 2018 10:04 am
Forum: Personal Consumer Issues
Topic: What kind of desktop computer should I buy?
Replies: 49
Views: 5842

Re: What kind of desktop computer should I buy?

Instead of the Tiny form factor Lenovo M710 you selected, you may want to consider the SFF (Small Form Factor). It is a little bigger than the Tiny, but not as big as a full tower PC. The Tiny has slightly reduced speed/power of the processor, less memory slots, no room for things like a small graph...
by ten2go
Wed Jan 24, 2018 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone want to share their monthly budget? Here's ours
Replies: 153
Views: 35700

Re: Anyone want to share their monthly budget? Here's ours

Two items you may wish to consider: 1. vacations/travel 2. Car depreciation/setting aside money for your next car purchase. (Even if you only purchase a car every 10 years, you may wish to include $200/month in your budget instead of financing.) Of course, you may be better off using that cash to pa...
by ten2go
Wed Nov 29, 2017 1:52 pm
Forum: Investing - Theory, News & General
Topic: Alternative to Google Finance? [Portfolios feature deprecated]
Replies: 97
Views: 27393

Re: Alternative to Google Finance? [Portfolios feature deprecated]

Looks like it is still working to me, or is this not what we're talking about here?

https://finance.google.com/finance
by ten2go
Tue Oct 17, 2017 1:54 pm
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 158
Views: 21440

Re: anyone else not liking the new cars?

I feel the same way about new shoes. I typically wear comfortable tennis shoes to work (more specifically running shoes). It seems like all the latest designs are too flashy. I'm not a fan of multi-colored fluorescent zigzags. Wish I could buy another pair of the same shoes I bought 5 or 10 years ag...
by ten2go
Tue Oct 10, 2017 9:34 am
Forum: Personal Consumer Issues
Topic: My Son is buying a 2017 Toyota RAV 4
Replies: 28
Views: 4469

Re: My Son is buying a 2017 Toyota RAV 4

I'd use the $10K to buy a used Accord or Camry. Save your money the next few years and only buy a new car once you can afford to pay for it in full.
It is good to avoid starting a cycle of car loans. Some people never get out of it. If he has $10k set aside for a car, he is off to a good start.
by ten2go
Mon Sep 25, 2017 8:37 am
Forum: Personal Consumer Issues
Topic: Honda CRV All Wheel Drive VS Front Wheel, Which One?
Replies: 88
Views: 31314

Re: Honda CRV All Wheel Drive VS Front Wheel, Which One?

I have a '04 CRV with AWD. Every few years I need to change the rear differential fluid or it starts to make a rubbing sound when turning tight. This is an inconvenience you would not need to deal with in FWD. Also, when considering FWD or AWD, think about if you'll ever plan to tow it behind an RV....
by ten2go
Mon Jun 05, 2017 8:25 am
Forum: Personal Investments
Topic: Higher salary, but lower employer 401k match...still OK?
Replies: 34
Views: 4138

Re: Higher salary, but lower employer 401k match...still OK?

I'd ignore the money and go with the job/company you think you'd enjoy more. Financially a few thousand dollars either way doesn't matter that much.
by ten2go
Thu Mar 16, 2017 10:23 am
Forum: Personal Consumer Issues
Topic: Tell me about Smart TVs and cutting cable
Replies: 101
Views: 12162

Re: Tell me about Smart TVs and cutting cable

Netflix recommends 5 Mbps for HD quality streaming... If your bandwidth drops below this, it will compensate by showing slightly lower resolution video - you may not even notice.
by ten2go
Fri Mar 10, 2017 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax Form
Replies: 12
Views: 1568

Re: Turbo Tax Form

I've been using the download version of Turbo Tax for this reason (being able to view the forms). Does anyone know if forms can be viewed in the Online version after you pay, but before you submit the filing? I may switch to online next year if I can view the forms as I'm progressing through my taxe...
by ten2go
Fri Feb 10, 2017 10:41 am
Forum: US Chapters
Topic: Your USER NAME...what does it mean?
Replies: 555
Views: 77162

Re: Your USER NAME...what does it mean?

Thanks to this forum, early retirement is just 10 years away for me. Of course, I've been saying that for 5 years already. ;)
by ten2go
Wed Nov 16, 2016 1:37 pm
Forum: Personal Consumer Issues
Topic: Products to cope with other drivers' LED headlight
Replies: 66
Views: 21736

Re: Products to cope with other drivers' LED headlight

Make sure your windshield and glasses are clean. A little haze on the glass seems to make a big difference with glare. I also like the suggestion to try a vehicle with a higher road height. It will put you up above the angle where the lights are the brightest. Also, you may want to get a car that ha...
by ten2go
Tue Sep 13, 2016 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Infosec Tech jobs and quality of life in Raleigh area
Replies: 16
Views: 2454

Re: Infosec Tech jobs and quality of life in Raleigh area

Geographically, the Raleigh/Durham/Chapel Hill area is fairly big. Especially if you're considering living on the outskirts to get more land for your $. Do you need to consider school districts? I'd first rent a house or apartment for 6 months or a year to get to know the area. See what part of town...
by ten2go
Tue Sep 13, 2016 11:35 am
Forum: Personal Finance (Not Investing)
Topic: What shape is your net worth curve?
Replies: 45
Views: 8281

Re: What shape is your net worth curve?

Fairly linear --- with a positive slope :) I have been tracking since Jan 2009. One thing I've been looking at is the average annual gain in net worth. It is an easy number to track. I have not yet tried to track annual expenses or after tax income. Those may be interesting and more useful to know. ...
by ten2go
Wed Aug 17, 2016 8:33 pm
Forum: Personal Investments
Topic: Asset Allocation Analysis
Replies: 3
Views: 460

Re: Asset Allocation Analysis

I've always just read the prospectus to find out. Probably good to look at the prospectuses every once in a while anyway to refamiliarize yourself with what funds you're in, their fees and such.
Not sure if there is a better way, but I'd like to hear it if anyone has some ideas.
by ten2go
Wed Aug 17, 2016 8:30 pm
Forum: Personal Investments
Topic: Moving 4M from Goldman. retired and needs 200K/Y
Replies: 55
Views: 12014

Re: Moving 4M from Goldman. retired and needs 200K/Y

Before you make any big fund changes or adjustments to the asset allocation of your taxable account, have you considered the cost basis and capital gains? I'm assuming some big sales would need to be made to change from one fund to another, triggering capital gains and taxes. Maybe transition to a n...
by ten2go
Fri Apr 29, 2016 8:45 pm
Forum: Personal Investments
Topic: I left my financial advisor yesterday.
Replies: 21
Views: 2422

Re: I left my financial advisor yesterday.

Congratulations!

When you make this move, are you selling all your old funds and buying new ones at Vanguard? Any concerns of large capital gains? or strategies to deal with capital gains when making this move?
by ten2go
Mon Nov 09, 2015 11:44 am
Forum: Personal Consumer Issues
Topic: GPS App, Android (no data plan)
Replies: 34
Views: 2314

Re: GPS App, Android (no data plan)

Try "Maps.me". I used it while offline in Europe and it worked great while walking around. Make sure to download the maps for your area while on wi-fi and you'll be set.

http://maps.me/en/home
by ten2go
Mon Oct 26, 2015 8:33 pm
Forum: Personal Consumer Issues
Topic: Smoke detectors and false alarms
Replies: 15
Views: 10020

Re: Smoke detectors and false alarms

Hi Molesky, I too was trying to do the right thing... replacing my old hardwired ionization type alarms with photoeletric. I replaced them with 8xFirst Alert/BRK 7010B/7020B from Home Depot similar to what you are purchasing. (The 7020B has a escape light, but is otherwise identical to the 7010B.) O...
by ten2go
Mon Aug 11, 2014 8:11 am
Forum: Personal Consumer Issues
Topic: Where to buy little plastic bottles?
Replies: 24
Views: 3134

Re: Where to buy little plastic bottles?

REI has some really nice ones. Many sizes to choose from. I have one I've traveled with Listerine in for years and it never leaks.

It may be hard to squeeze something like sunblock out of unless it is on the runny side.
by ten2go
Thu Aug 07, 2014 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Neighbor's Tree
Replies: 44
Views: 5688

Re: Neighbor's Tree

Cherokee8215 wrote:If any branches from the tree extend over onto your side of the property line, trim them back to the property line.
Trim the roots over the property line too! ;-)