Search found 1327 matches

by 4nursebee
Mon Nov 11, 2019 7:38 pm
Forum: Personal Consumer Issues
Topic: Hi Def Audio listening
Replies: 9
Views: 338

Re: Hi Def Audio listening

I think you implying you want to purchase a Marantz receiver. What do you have now? Nothing? What kind of speakers do you have? Speakers are the most important piece of the system (I know it might be a heretical statement). Do you want to fill a large room or a smaller room? I would not start off w...
by 4nursebee
Mon Nov 11, 2019 6:23 pm
Forum: Personal Consumer Issues
Topic: Hi Def Audio listening
Replies: 9
Views: 338

Hi Def Audio listening

Someone recently talked about a Marantz connected receiver type thing as being a great investment to listen to great music. I did a bit of research, it seems interesting but I am not sure I could easily take advantage of what these things offer. We have maybe 100 records, a few hundred CDs. We do no...
by 4nursebee
Sun Nov 10, 2019 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy the family cottage?
Replies: 85
Views: 6609

Re: Should I buy the family cottage?

No, do not buy it.

Your posts says nothing about enjoying the place and does say lots about lots of other expenses
by 4nursebee
Fri Nov 08, 2019 2:29 pm
Forum: Personal Consumer Issues
Topic: Your Fantasy Kitchen (Cookware-wise)
Replies: 57
Views: 4010

Re: Your Fantasy Kitchen (Cookware-wise)

My fantasies do not include anything cookware or kitchen related so I can’t answer.

Your kitchen sounds great as it is.
by 4nursebee
Fri Nov 08, 2019 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Moved to new state, buying new car; what to do first?
Replies: 12
Views: 712

Re: Moved to new state, buying new car; what to do first?

It does not say you need N.C. insurance just proof of insurance. Bring your current policy

Kiss
by 4nursebee
Thu Nov 07, 2019 12:14 pm
Forum: Personal Investments
Topic: Will we be OK at 3% WR?
Replies: 245
Views: 15446

Re: Will we be OK at 3% WR?

I like this as my authority and answer.

https://www.bogleheads.org/wiki/Variabl ... withdrawal
by 4nursebee
Thu Nov 07, 2019 12:09 pm
Forum: Personal Consumer Issues
Topic: Flooring
Replies: 19
Views: 1061

Re: Flooring

The cheapest laminate installed many years ago still looks new in a rental.
Laminates have come down in price.
The ones with built in underlayment intrigue me.
by 4nursebee
Thu Nov 07, 2019 1:43 am
Forum: Investing - Theory, News & General
Topic: Cost basis step up on death of spouse?
Replies: 43
Views: 2829

Re: Cost basis step up on death of spouse?

I tried to find if my state was a joint tenancy or community property state for cost basis step up.
My internet search yields lots of divorce law firms.
Is there an easy source to find this info?
Might a link be added to the wiki?
Thank you.
by 4nursebee
Mon Nov 04, 2019 6:22 pm
Forum: Personal Consumer Issues
Topic: Do Semi-Dry, Delicious, Complex But < $15 Wines Exist?
Replies: 29
Views: 2658

Re: Do Semi-Dry, Delicious, Complex But < $15 Wines Exist?

Mix varieties of two buck chuck inyour glass for complexity and cheapness
by 4nursebee
Sat Nov 02, 2019 5:28 am
Forum: Personal Consumer Issues
Topic: Creating web content
Replies: 1
Views: 303

Creating web content

This would be for fun, potential profit, and for marketing. Background: We are not highly trained on computers but have used them for years. We have a few simple Youtube videos online but they are from continuously shot video on phone, ipad, or using free screen capture software. We have a number of...
by 4nursebee
Thu Oct 24, 2019 12:52 pm
Forum: Personal Investments
Topic: New in retirement
Replies: 8
Views: 1563

Re: New in retirement

Hi, My retirement monies are invested in TIAA-CREF R2 funds—Stock (45%)and Growth (45%)Funds and a small amount in TIAA traditional (10%) I am “newly retired” and must take my annual RMD by the end of the year. I worked at a college for 31 years and have stuck with these investments for the entire ...
by 4nursebee
Mon Oct 21, 2019 6:25 pm
Forum: Personal Consumer Issues
Topic: BCBS wont pay lab bill...
Replies: 44
Views: 4086

Re: BCBS wont pay lab bill...

And here I thought E. coli was normal in feces...

There are a lot of useless tests done. Gotta draw the line somewhere.
by 4nursebee
Sun Oct 20, 2019 7:05 am
Forum: Personal Consumer Issues
Topic: A fire next door caused water damage in my unit - Insurance question
Replies: 13
Views: 1572

Re: A fire next door damaged my unit - Insurance question

We had a major claim. We do not think it affected our insurance, likely the money was reclaimed from someone else's insurance.
We bought additional homes and insurance without noting issues.
Relax. Breathe in, breathe out.
You will have a good story to tell in a few years.
by 4nursebee
Thu Oct 17, 2019 11:23 am
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2019!
Replies: 384
Views: 54370

Re: Roll Call for the Retirement Class of 2019!

1/2 of us is retiring in a couple hours. Worked 40 years after education. No big plans, enjoy life. Catch up, enjoy, be oneself. Some concern about meeting new people but new doors will open. The other of us is working for 3-10 years for minimum of insurance.
by 4nursebee
Tue Oct 15, 2019 2:54 am
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 554
Views: 46939

Re: Talk me out of buying a Tesla Model 3

Purchased a Model 3 long rang dual motor 2 weeks ago. Will never go back to ICE. It's that good! What a great first post here! Our entire ICE repair bill was for items unique to ICE cars. There are a handful of people unwilling to drive the TEsla, they seem to indicate they like noise and rumbling,...
by 4nursebee
Mon Oct 14, 2019 1:44 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 554
Views: 46939

Re: Talk me out of buying a Tesla Model 3

After 3 months of Tesla Model 3 ownership and an expensive repair bill on our ICE car, we sold the ICE car today. NO REGRETS, no need for range anxiety stuff as we have done two long road trips already. I would not even worry about blackouts as the saved money from just taxes and insurance would pay...
by 4nursebee
Mon Oct 14, 2019 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Selling used car experience (dealer vs online vs in person)
Replies: 28
Views: 2810

Re: Selling used car experience (dealer vs online vs in person)

carvana, vroom will give you online quotes. Worth 5 minutes of your time to get another data point vs Carmax. Sometimes they will come up higher. Look up on how much similar cars sold for on ebay. If it is a big difference you may want to go through the hassle of selling yourself. When I do that, I...
by 4nursebee
Mon Oct 14, 2019 5:55 am
Forum: Personal Finance (Not Investing)
Topic: Selling used car experience (dealer vs online vs in person)
Replies: 28
Views: 2810

Re: Selling used car experience (dealer vs online vs in person)

RickBoglehead wrote:
Mon Oct 14, 2019 5:01 am
Wheel doesn't have to be reinvented.

Edmunds.com's Quick Guide to Selling Your Car - https://www.edmunds.com/sell-car/edmund ... r-car.html

KBB How To Sell Your Car - https://www.kbb.com/sell-your-car/
Sure, but Carmax has built a large business doing just that.
by 4nursebee
Mon Oct 14, 2019 4:34 am
Forum: Personal Finance (Not Investing)
Topic: Selling used car experience (dealer vs online vs in person)
Replies: 28
Views: 2810

Selling used car experience (dealer vs online vs in person)

We are a family of two adult drivers. We have a used beater 2005 F150, low miles, plan to keep forever to haul trash once a week. We also bought one of those cars that is very polarizing to mention and love it. We'd been planning on also keeping our 2016 Subaru Outback, but were shocked by a repair ...
by 4nursebee
Thu Oct 10, 2019 3:39 am
Forum: Personal Investments
Topic: Question for Landlords re 199a as business
Replies: 6
Views: 568

Re: Question for Landlords re 199a as business

I do not know what you are talking about 250 hrs and 20% or 1099s

Get a CPA, this is what they do for a living.
by 4nursebee
Fri Oct 04, 2019 8:44 am
Forum: Investing - Theory, News & General
Topic: Plz share what you did to minimize retirement taxes
Replies: 32
Views: 3999

Re: Plz share what you did to minimize retirement taxes

I have problems with that thread, find it disorganized for what I am looking for. Too many hypotheticals or situations that do not apply I am rereading it now and will perhaps play around with the i-orp mentioned.
by 4nursebee
Fri Oct 04, 2019 7:44 am
Forum: Investing - Theory, News & General
Topic: Plz share what you did to minimize retirement taxes
Replies: 32
Views: 3999

Plz share what you did to minimize retirement taxes

I've read for a while about things like Roth conversions, pulling money out of deferred accounts, paying taxes on them, rolling into Roths. It makes sense though the sudden hit to net worth would hurt. 8 years left until RMDs and SS, 1.5M or so in tax deferred. Figuring tax brackets in advance is di...
by 4nursebee
Wed Sep 25, 2019 11:21 am
Forum: Personal Finance (Not Investing)
Topic: financial security (protect from theft-ID and others)
Replies: 9
Views: 1011

financial security (protect from theft-ID and others)

So, something came up that scared the crap out of me. At work, got a message to call our insurance company. It was a sales call, but they also said our local financial institution was trying to be named as beneficiary for our new home loan... We are not buying a new home. I think it was likely confu...
by 4nursebee
Mon Sep 23, 2019 4:03 pm
Forum: Personal Consumer Issues
Topic: Buying a home with unpermitted addition
Replies: 59
Views: 6135

Re: Buying a home with unpermitted addition

Not sure if the jurisdiction allows it, but when I bought my house, during the title search and related due diligence by my attorney it was discovered that there was some renovations that did not have proper permitting, so at no cost to me the seller paid the fine and got the proper permits/inspect...
by 4nursebee
Thu Sep 19, 2019 5:38 pm
Forum: Personal Consumer Issues
Topic: Moisture and mold found during home inspection
Replies: 53
Views: 3083

Re: Moisture and mold found during home inspection

What ye have here is a negotiating tool Sink no buggy. Can just put in new and caulk well. Couple hundred Ac- you can ask for some portion of relief off the price. You can also ask for new but then they choose quality many times. Been on the other side of that and put in a new system to sell Master ...
by 4nursebee
Wed Sep 18, 2019 3:59 pm
Forum: Personal Consumer Issues
Topic: Home energy/electricity monitoring?
Replies: 56
Views: 2999

Re: Home energy/electricity monitoring?

I found some older topics about this, but the market seems to have changed a bit since the prior posts. I recently moved to a new condo and the electricity bill is much higher than I have had in the past. It's not terrible, around $230, but it's substantially higher than our previous similar sized ...
by 4nursebee
Wed Sep 18, 2019 3:48 am
Forum: Personal Consumer Issues
Topic: Used Tesla S or new Tesla 3?
Replies: 40
Views: 3273

Re: Used Tesla S or new Tesla 3?

If you want a 3 now is the time to get some deals on inventory cars. To save a little I would get one before Sept 30 or consider waiting til end of year. Rumor is they are giving away features to move cars.
by 4nursebee
Fri Sep 13, 2019 3:47 am
Forum: Personal Consumer Issues
Topic: Best Triathlon Bike?
Replies: 32
Views: 2616

Re: Best Triathlon Bike?

Do the allow recumbent bikes for these races?
How old are you all? I ride my bike some and have built up my swimming...
by 4nursebee
Thu Sep 12, 2019 2:56 am
Forum: Investing - Theory, News & General
Topic: Day Trading for a Living?
Replies: 44
Views: 4053

Re: Day Trading for a Living?

Is this thread actionable?
Is there any point in discussing this?
by 4nursebee
Sun Sep 08, 2019 6:30 am
Forum: Personal Consumer Issues
Topic: Does anybody replace HVAC capacitors presumptively before they fail as part of maintenance?
Replies: 44
Views: 3397

Re: Does anybody replace HVAC capacitors presumptively before they fail as part of maintenance?

If I did not trust the HVAC technician or the suggestions they provide, I would hire a different HVAC technician.

To answer the question, no.
by 4nursebee
Fri Sep 06, 2019 9:45 am
Forum: Personal Consumer Issues
Topic: Bamboo Flooring
Replies: 20
Views: 2367

Re: Bamboo Flooring

A flooring installer I trust referred me to a flooring company they trust. They suggested I avoid bamboo. This was for a rental property.
by 4nursebee
Fri Sep 06, 2019 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Kitces: The Problem with FIREing at 4% and the Need for Flexible Spending Rules
Replies: 274
Views: 20747

Re: Kitces: The Problem with FIREing at 4% and the Need for Flexible Spending Rules

I found the chart a little tough to interpret.
I find the topic headline kind of a common sense statement.
VPW solves such issues for me especially with a few years expenses readily available.
by 4nursebee
Mon Sep 02, 2019 4:24 pm
Forum: Investing - Theory, News & General
Topic: Best of Bogleheads - your #1 takeaway
Replies: 151
Views: 15290

Re: Best of Bogleheads - your #1 takeaway

#1 takeaway, without a doubt, nothing even close second, was a book someone mentioned. I quit drinking ETOH the day I read that book. Allen Carr Stop Drinking Now https://www.amazon.com/Stop-Drinking-Now-Allen-Carr/dp/184837982X/ref=asc_df_184837982X/?tag=hyprod-20&linkCode=df0&hvadid=312039018893&h...
by 4nursebee
Tue Aug 27, 2019 5:25 pm
Forum: Personal Consumer Issues
Topic: Good fencing for Bad neighbors (fence advise)
Replies: 22
Views: 2696

Re: Good fencing for Bad neighbors (fence advise)

Anyone else have FENCING advice, not legal or other advice?
by 4nursebee
Mon Aug 26, 2019 2:09 pm
Forum: Personal Consumer Issues
Topic: Good fencing for Bad neighbors (fence advise)
Replies: 22
Views: 2696

Good fencing for Bad neighbors (fence advise)

I am a landlord. I have a property in a good area that has had two bad tenants so far. We used to live in the house. We now have a stable tenant works, pays the bills on time, might stay for years. Today the tenant says the next door neighbors have been problematic. On the surface they are good hard...
by 4nursebee
Sat Aug 24, 2019 2:37 pm
Forum: Personal Consumer Issues
Topic: iphone battery issue?
Replies: 32
Views: 1673

Re: iphone battery issue?

Local apple service center replaced the phone. Not sure what was wrong. I only bought this phone for reliability to pair with Tesla 3 as it’s key. We do not have a typical cell plan, just a $100 per yer 1000 min plan, no data. But, WiFi is everywhere and the car has internet. Mostly I keep Tesla app...
by 4nursebee
Fri Aug 23, 2019 3:44 pm
Forum: Personal Consumer Issues
Topic: iphone battery issue?
Replies: 32
Views: 1673

Re: iphone battery issue?

It was a 6s, and the battery manager thingy said 100%, which I thought I communicated by saying everything ok. ATT said take it to service center. After a while at service center they said they have to send it in as if it has to be opened by apple to see if some computer thing is bad. They agree it ...
by 4nursebee
Fri Aug 23, 2019 1:56 pm
Forum: Personal Consumer Issues
Topic: iphone battery issue?
Replies: 32
Views: 1673

Re: iphone battery issue?

Charged it up to 91% a little while ago. Turned on WiFi, battery quickly to 85% and overheating. Att here I come.
by 4nursebee
Fri Aug 23, 2019 12:29 pm
Forum: Personal Consumer Issues
Topic: iphone battery issue?
Replies: 32
Views: 1673

Re: iphone battery issue?

The phone was purchased new from ATT store.
The battery health settings check is ok.
I think it was trying to download ios 12 via wifi but am not sure. I did this through my desktop this am.
by 4nursebee
Fri Aug 23, 2019 11:48 am
Forum: Personal Consumer Issues
Topic: iphone battery issue?
Replies: 32
Views: 1673

iphone battery issue?

I've had my first apple phone for about a month, it is a 6. All has gone well up until yesterday when after just a few hours the battery was running low, while at work I had to charge it up three times. My phone is now the key to my car and I require it to be reliable (the reason I went with apple p...
by 4nursebee
Thu Aug 15, 2019 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Net-worth rule of thumb for house purchase?
Replies: 123
Views: 6291

Re: Net-worth rule of thumb for house purchase?

Net worth has never come into any of my decision making when buying homes. I bought a home with a very negative net worth and it improved my lifestyle, happiness, and savings rate. Quite so - it might all work out, and probably does most of the time. But what might have happened if shortly after th...
by 4nursebee
Thu Aug 15, 2019 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Net-worth rule of thumb for house purchase?
Replies: 123
Views: 6291

Re: Net-worth rule of thumb for house purchase?

Net worth has never come into any of my decision making when buying homes. I bought a home with a very negative net worth and it improved my lifestyle, happiness, and savings rate.
by 4nursebee
Thu Aug 15, 2019 9:10 am
Forum: Investing - Theory, News & General
Topic: My Plan- jitters,news,volatility
Replies: 3
Views: 691

My Plan- jitters,news,volatility

Feel free to evaluate my plan. Sure, I get that the market is volatile, I do not understand what is happening. I can feel some of the fear, but have felt such fear before and come through on the other side for the better. We have had two financial advisers warn us about the market, aiming for safer ...
by 4nursebee
Fri Aug 09, 2019 3:29 pm
Forum: Personal Consumer Issues
Topic: Do You Order "the Special" at Restaurants?
Replies: 50
Views: 4360

Re: Do You Order "the Special" at Restaurants?

I paid my bills waiting tables at many different restaurants. NONE of them used specials to get rid of leftover food. Friday night special of prime rib meant they were taking the time to do it right just that night. OMG it was so good I would sometimes have two for my dinner. Seafood or catch of the...
by 4nursebee
Wed Aug 07, 2019 6:58 pm
Forum: Personal Investments
Topic: Download yearly return data for stocks?
Replies: 2
Views: 247

Re: Download yearly return data for stocks?

Try at the following link, lots of folks do this in some way: https://www.elitetrader.com/et/threads/ ... ks.334858/

:D
by 4nursebee
Mon Aug 05, 2019 3:02 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 554
Views: 46939

Re: Talk me out of buying a Tesla Model 3

I charged at my first chargepoint location today, it was free, How Bogleheaded of me! The location was much slower than a Tesla location, same for the other free charger I tried out, both were in the range of 20-21 miles per hour of charge. I've seen 500 at a Tesla Supercharger. For everyday needs, ...
by 4nursebee
Thu Aug 01, 2019 5:04 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 554
Views: 46939

Re: Talk me out of buying a Tesla Model 3

My M3 performance is slowest car on the road. After I saw shockingly high mph number on the screen when I was *slowing down* after passing some traffic on my daily commute, I decided to always drive it under the speed limit. Ironically, I drive much faster when I am in my older jalopies. This car w...
by 4nursebee
Thu Aug 01, 2019 1:49 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 554
Views: 46939

Re: Talk me out of buying a Tesla Model 3

I'm two weeks into owning a Model 3 Performance. It is absolutely the best car I've ever driven. The acceleration is all that it's cracked up to be. It is far quieter than I expected when cruising, and Autopilot is a nice thing to have in bumper-to-bumper traffic. The seats are not the most comfort...
by 4nursebee
Thu Aug 01, 2019 1:47 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 554
Views: 46939

Re: Talk me out of buying a Tesla Model 3

"Stealth" is what I got. There is a 5K or so performance upgrade, can get it with 18 inch wheels but still same price. Or call a sales center and ask for a 2K performance speed car, just the speed. No 21" wheels, no red calipers. I think my car was a factory performance with things removed to sell ...
by 4nursebee
Thu Aug 01, 2019 10:54 am
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 554
Views: 46939

Re: Talk me out of buying a Tesla Model 3

Congrats 4nursebee! Even I am tempted by the bargain pricing on the performance spec. Enjoy it. "Stealth" is what I got. There is a 5K or so performance upgrade, can get it with 18 inch wheels but still same price. Or call a sales center and ask for a 2K performance speed car, just the speed. No 21...