Search found 3742 matches

by Ged
Wed Aug 14, 2019 2:02 pm
Forum: Personal Consumer Issues
Topic: Dishwasher Fiasco
Replies: 52
Views: 3040

Re: Dishwasher Fiasco

NewPhoneWhoDis wrote:
Wed Aug 14, 2019 1:28 pm
The subject is a reasonable name for a band.
Yes and it is available too.

I found a company that offers playsets from other Fiasco themed bands as well.

http://fiascoplaysets.com/home/touring-rock-band
by Ged
Thu Aug 08, 2019 6:02 pm
Forum: Personal Investments
Topic: New Jersey taxes
Replies: 58
Views: 3105

Re: New Jersey taxes

I currently live in Monmouth County, very nice town, good schools, close to the coast. Our home was purchased for roughly $1M 3 years ago and our taxes are roughly $18k. I grew up in Essex County. The taxes up there were asinine and considerably more than Monmouth County. I love NJ. I love the coas...
by Ged
Wed Aug 07, 2019 6:11 pm
Forum: Personal Consumer Issues
Topic: Amazon -- no longer the lowest prices, evidently
Replies: 110
Views: 10812

Re: Amazon -- no longer the lowest prices, evidently

Sandtrap wrote:
Wed Aug 07, 2019 4:41 pm
9" x 75' roll Fortiflash buildlng seam waterproofing tape.

Amazon.com: $63.57 plus $5.25 shipping per roll.

Home Depot, locally on the shelf: $34.47 plus tax.

Compare prices
Shop carefully

j
I use Amazon a lot but I still go to Home Depot and Costco too.
by Ged
Wed Aug 07, 2019 2:34 pm
Forum: Personal Investments
Topic: New Jersey taxes
Replies: 58
Views: 3105

Re: New Jersey taxes

I live in Somerset county NJ (central Jersey). My house is about 600k and my taxes are just over 12k. I’m surprised at the 25k number from the OP, unless they are looking at houses over 1 mil. Or just a very high tax town. For the bonds, I own VNJUX (Vanguard New Jersey Long-Term Tax-Exempt). I wou...
by Ged
Wed Aug 07, 2019 2:07 am
Forum: Personal Consumer Issues
Topic: Need a Printer!
Replies: 21
Views: 1217

Re: Need a Printer!

Brother color duplex printer of your choice + Scansnap duplex scanner. Not cheap but very very good.
by Ged
Sat Aug 03, 2019 4:49 pm
Forum: Personal Consumer Issues
Topic: Ink Pens
Replies: 77
Views: 4585

Re: Ink Pens

I use a pen about once a week. While I like fountain pens they always seem to dry out on me.

My best results seem to be with Pilot Pens.
by Ged
Wed Jul 31, 2019 8:00 am
Forum: Personal Investments
Topic: Father investing with Edward Jones
Replies: 43
Views: 4413

Re: Father investing with Edward Jones

Also be prepared for stratagems like churning, illiquid 'investments' such as life insurance and non-marketable REITs etc. You may find that his overall expenses and fees are higher than 2%.
by Ged
Fri Jul 26, 2019 10:15 am
Forum: Personal Investments
Topic: Retire with Less Than $1 million?
Replies: 85
Views: 16325

Re: Retire with Less Than $1 million?

My retired brother has about $1000 per month SS and a modest paid off condo. Less than $50K in savings. That really isn't enough.

Fortunately for him he has a couple of brothers who can and do help out once in a while.
by Ged
Mon Jul 22, 2019 3:10 pm
Forum: Personal Consumer Issues
Topic: Will Tall Fence Lessen Neighboring Dog Bark Noise?
Replies: 54
Views: 2936

Re: Will Tall Fence Lessen Neighboring Dog Bark Noise?

Buy the adjacent home and rent it to people who don't own dogs.
by Ged
Sun Jul 14, 2019 4:40 pm
Forum: Personal Consumer Issues
Topic: How to encrypt Cloud backups?
Replies: 54
Views: 3724

Re: How to encrypt Cloud backups?

I would recommend that you look at Arq Backup. It provides encryption of the data it uploads plus it will do file version management for you. It will work with a variety of storage services include Google and Amazon.

https://www.arqbackup.com/
by Ged
Sat Jul 13, 2019 6:28 pm
Forum: Personal Consumer Issues
Topic: Standard Car Key Battery Life for Late Model Vehicles
Replies: 40
Views: 2701

Re: Standard Car Key Battery Life for Late Model Vehicles

I have a 2012 car. I've replaced the key fob battery (CR1616) twice. I use the fob a couple of times a day.

These batteries should have a shelf life of at least 5 years.
by Ged
Fri Jul 05, 2019 4:35 pm
Forum: Personal Consumer Issues
Topic: buying a 60 or 65 inch tv this weekend. which one?
Replies: 74
Views: 3638

Re: buying a 60 or 65 inch tv this weekend. which one?

I have a 50" Panasonic Plasma in the basement. It is a beast, but still has a good picture. It doesn't get used that much down there. I would like the 65" OLED for the upstairs family room. Corporate Finance (wife) has not approved the purchase as of yet. Sure. Buy the OLED. Just don't expect you w...
by Ged
Fri Jul 05, 2019 4:09 pm
Forum: Personal Consumer Issues
Topic: buying a 60 or 65 inch tv this weekend. which one?
Replies: 74
Views: 3638

Re: buying a 60 or 65 inch tv this weekend. which one?

The best deal today is the 55" LG OLED for $999 at Best Buy. Heads and tails above the options listed, but not 60". The 65" OLED is $1,899. Too steep a price jump for me. For 15 years, I would reach and get the OLED. In 1-2 years OLED will be standard and the TV you buy today will feel dated. I wou...
by Ged
Fri Jul 05, 2019 3:52 pm
Forum: Personal Consumer Issues
Topic: buying a 60 or 65 inch tv this weekend. which one?
Replies: 74
Views: 3638

Re: buying a 60 or 65 inch tv this weekend. which one?

The best deal today is the 55" LG OLED for $999 at Best Buy. Heads and tails above the options listed, but not 60". The 65" OLED is $1,899. Too steep a price jump for me. For 15 years, I would reach and get the OLED. In 1-2 years OLED will be standard and the TV you buy today will feel dated. I wou...
by Ged
Thu Jul 04, 2019 4:00 pm
Forum: Personal Consumer Issues
Topic: When to use a fuel stabilizer - for cars, boats, lawn mowers, etc?
Replies: 47
Views: 3050

Re: When to use a fuel stabilizer - for cars, boats, lawn mowers, etc?

All of my small engines are seasonal use or a run once a year for emergency preparedness. So it's a logical solution for me to treat the gas when I bring it home from the gas station.
by Ged
Wed Jul 03, 2019 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Hire a driver?
Replies: 63
Views: 3537

Re: Hire a driver?

Isn't this what money is for? Yup. I have a friend who has a son who works 3 12 hour shifts per week and has a 3 hour commute. During her son's commute home she stays on the phone with him, talking with him and singing to help him stay awake. She is a real life angel. The OP is lucky that he has th...
by Ged
Tue Jul 02, 2019 11:47 am
Forum: Personal Investments
Topic: Can I add Social Security to my asset allocation of bonds?
Replies: 42
Views: 2772

Re: Can I add Social Security to my asset allocation of bonds?

I'm procrastinating on the shift to the well-reasoned "age in bonds" allocation of 35/65 I think age in bonds is overly conservative for me and choose to be 50/50 at age 70. Part of this is social security plus pensions cover my non-discretionary expenses fully. Another part is that I have no idea ...
by Ged
Sat Jun 29, 2019 10:31 am
Forum: Personal Consumer Issues
Topic: Tire Pressure Monitoring System failed: Replace or Ignore?
Replies: 88
Views: 5131

Re: Tire Pressure Monitoring System failed: Replace or Ignore?

I certainly would not pay $250. My independent tire service place quotes $150 to replace a set of TPMS as part of mounting 4 new tires. A lot depends on who you are. Some people are diligent about checking tire pressure as a matter of habit. Others are not. It is a safety issue. I have seen someone...
by Ged
Sat Jun 29, 2019 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Did Retirement Spending go as You Planned?
Replies: 47
Views: 4869

Re: Did Retirement Spending go as You Planned?

We are spending a bit more than planned mostly because the strong stock market has emboldened me. Sequence of returns does matter. Now though we are getting to the point where most of the bucket list is checked off. I don't think that this will continue more than another 2-3 years. Plus the delayed ...
by Ged
Fri Jun 28, 2019 6:25 pm
Forum: Personal Consumer Issues
Topic: Tire Pressure Monitoring System failed: Replace or Ignore?
Replies: 88
Views: 5131

Re: Tire Pressure Monitoring System failed: Replace or Ignore?

I've always checked my tires regularly and continue to do so now that the TPMS has failed on my 2009. I was also quoted north of $250 to replace all 4. That's nearly the cost of 3 new replacement tires. No thanks. DW has the aftermarket TPMS sensors on her winter tires. They work pretty well. I cer...
by Ged
Mon Jun 24, 2019 12:14 pm
Forum: Personal Consumer Issues
Topic: what was your worst major purchase? mine is a 2019 mazda3
Replies: 182
Views: 16584

Re: what was your worst major purchase? mine is a 2019 mazda3

1980-ish Datsun 810. First model with fuel injection.
by Ged
Fri Jun 21, 2019 9:36 am
Forum: Investing - Theory, News & General
Topic: The problem in retirement we rarely discuss [what to do with stock funds]
Replies: 58
Views: 6269

Re: The problem in retirement we rarely discuss [what to do with stock funds]

But still...they are holding a portfolio which may not be ideal. Holding a ginormous portfolio with huge deferred taxes sounds ideal to me. I would just whittle at it a bit at a time to stay in a reasonable tax bracket. Gift some of it ahead of time if it makes sense. Set up a donor advised fund us...
by Ged
Thu Jun 20, 2019 3:03 pm
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 183
Views: 27327

Re: Don't pay full price for SiriusXM radio

I cant believe people still listen to sirius radio. Podcasts are free, you actually learn stuff, and it makes whatever drive or commute you have much more enjoyable. We have xm because my wife wants to push a button and have music, not deal with cell phone Bluetooth etc. Rip your CD collection to a...
by Ged
Wed Jun 19, 2019 8:16 am
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 183
Views: 27327

Re: Don't pay full price for SiriusXM radio

I switched to listening to audiobooks and declined to renew my subscription.

It was a overly long phone call but if you do it on a day that your stress level is low it does work.
by Ged
Tue Jun 18, 2019 12:16 pm
Forum: Investing - Theory, News & General
Topic: How safe are pensions in the U.S.?
Replies: 87
Views: 9422

Re: How safe are pensions in the U.S.?

Another consideration is that there is no guarantee that a company will keep its pension plan until you are ready to retire. Lots of healthy companies are doing this and switching to a company contribution to the 401k plan which doesn't require an employee contribution (i.e., separate from company ...
by Ged
Sun Jun 16, 2019 10:58 pm
Forum: Personal Consumer Issues
Topic: My Bad Experience With Angie's List
Replies: 36
Views: 4345

Re: My Bad Experience With Angie's List

Best bet is word of mouth. This is what I have found as well. If you have one tradesman you are happy with ask him about other people he has worked with or for. I found my electrician through a furnace installation. My bathroom remodel was done by somebody recommended by the electrician. My bathroo...
by Ged
Thu Jun 13, 2019 11:14 am
Forum: Personal Consumer Issues
Topic: Retired at 35 and have no friends :(
Replies: 113
Views: 11519

Re: Retired at 35 and have no friends :(

Catchy sounding, and wouldn't it be neat if it were true? There's no opting out, unfortunately. I'm personally a fan of the book "48 Laws of Power", and virtually every law is dependent on what other's think. And one of the laws arguably cautions against this viewpoint: "Law 18: Do not build fortre...
by Ged
Thu Jun 13, 2019 8:12 am
Forum: Personal Consumer Issues
Topic: Texas resident buying car in Alabama
Replies: 3
Views: 429

Re: Texas resident buying car in Alabama

Self storage units may offer spaces for a car.

Be sure to get insurance.
by Ged
Thu Jun 13, 2019 8:07 am
Forum: Personal Consumer Issues
Topic: Retired at 35 and have no friends :(
Replies: 113
Views: 11519

Re: Retired at 35 and have no friends :(

lostdog wrote:
Thu Jun 13, 2019 7:24 am
It doesn't matter what other people think. Once you master this, you'll be set free.
Best comment in the history of the internet.

Beats even 'if you're not paying for the product, you are the product' by blue_beetle on Metafilter at 1:41 PM on August 26, 2010.
by Ged
Thu Jun 13, 2019 7:30 am
Forum: Personal Consumer Issues
Topic: Recommendations for "Backup" software
Replies: 40
Views: 2850

Re: Recommendations for "Backup" software

10-25 GB per day is however easily feasible. Data rates are in the 5 min per GB or less range for many services. The upload speed of my own internet connection is the limiting factor, not the max speed of the backup service. My upload connection averages around 5-6Mbps, which would take almost nine...
by Ged
Wed Jun 12, 2019 2:16 pm
Forum: Personal Consumer Issues
Topic: Recommendations for "Backup" software
Replies: 40
Views: 2850

Re: Recommendations for "Backup" software

I'm not a fan of local backups. What happens if there should be a break in, flood or fire in your home? Offsite storage or the cloud is far more secure. If you generate any significant data, such as recording TV shows or editing video, cloud backups would take far too long (I easily generate 10-25G...
by Ged
Wed Jun 12, 2019 1:32 pm
Forum: Personal Consumer Issues
Topic: Toyota Sienna tire replacement at 12k miles
Replies: 72
Views: 4301

Re: Toyota Sienna tire replacement at 12k miles

Not sure, but short life may be true of run-flats in general. On my cars (not Toyotas), the run-flat tires definitely wear much faster and need air added more regularly than regular tires. Not a fan. The last time I purchased a car I was considering BMW. Ultimately I decided against it because of t...
by Ged
Wed Jun 12, 2019 7:58 am
Forum: Personal Consumer Issues
Topic: Cost of mini split installation? [Ductless Air Conditioning/ Heat]
Replies: 36
Views: 3197

Re: Cost of mini split installation?

Mitsubishi is generally considered the best quality manufacturer of these systems. While wind-free sounds nice I would also get a quotation from a reputable Mitsubishi dealer in your area.
by Ged
Sat Jun 08, 2019 2:46 pm
Forum: Personal Consumer Issues
Topic: Is it possible to custom build a laptop?
Replies: 26
Views: 2064

Re: Is it possible to custom build a laptop?

Yes, exactly. I had considered getting a newer Thinkpad, but the Thinkpads they had on display (I tested four different ones) all had terrible keyboards. The keys don't travel as far, don't have good tactile resistance; it's like sliding over water. Interesting that you are considering a W530. That...
by Ged
Wed Jun 05, 2019 1:02 pm
Forum: Personal Consumer Issues
Topic: Company requiring salaried employees to clock in?
Replies: 92
Views: 5098

Re: Company requiring salaried employees to clock in?

I require my salaried employees to clock in so that theyre not late. They get warnings when theyre late. If by "salaried" you mean "exempt", then I believe you may (depending on all the details) be in violation of aspects of labor law. Doesn't "exempt" mean exempt from labor laws? No. It means you ...
by Ged
Wed Jun 05, 2019 10:52 am
Forum: Personal Consumer Issues
Topic: Recommendations for "Backup" software
Replies: 40
Views: 2850

Re: Recommendations for "Backup" software

I'm not a fan of local backups. What happens if there should be a break in, flood or fire in your home? Offsite storage or the cloud is far more secure. I use Arq for backups, and keep an account going at both Google and Amazon (belt and suspenders) as well as a local backup. Arq provides the imagin...
by Ged
Tue Jun 04, 2019 9:44 pm
Forum: Personal Consumer Issues
Topic: Are we downsizing too much?
Replies: 63
Views: 4932

Re: Are we downsizing too much?

I'm in a 2400 sq ft home. Had two kids. Really when the kids move out the only space unused is their bedrooms. I don't see much upkeep difference with 2 unused bedrooms, and they are handy for occasional sleepover visitors. We would save a bit downsizing, but really not enough to make a material dif...
by Ged
Tue Jun 04, 2019 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Should All Grandkids Be Treated as Equal Members of Same Class?
Replies: 104
Views: 8380

Re: Should All Grandkids Be Treated as Equal Members of Same Class?

At present it appears I will not have grandchildren. However in the case my children pre-decease my wife and myself we are giving half to each of our families regardless of how many grand nieces and grand nephews there are. It's somewhat complicated by the fact that my family lives in the United Sta...
by Ged
Mon Jun 03, 2019 12:05 pm
Forum: Personal Consumer Issues
Topic: Solar - when replacing roof?
Replies: 45
Views: 3162

Re: Solar - when replacing roof?

The answer varies based on location, location and location. Presence of trees, orientation of house, climate, tax treatment, local property values in the future, unknowable technology futures, and electrical cost futures. There are also a lot of scams out there so if you decide to do it be careful. ...
by Ged
Sun Jun 02, 2019 1:52 pm
Forum: Personal Investments
Topic: Just Got a Call From Fidelity
Replies: 55
Views: 7891

Re: Just Got a Call From Fidelity

I've had accounts at Fidelity since 1979 when my first employer set up a retirement account for me their. I find their customer service excellent. However once in a while I get a call from an 'adviser' looking to manage my money which I DO NOT recommend. I've learned that if you are unsure about thi...
by Ged
Fri May 31, 2019 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Fun paid jobs after FIRE
Replies: 180
Views: 17155

Re: Fun paid jobs after FIRE

My retired wife volunteers at a local food bank. Since she is fluent in multiple languages her contribution there is highly esteemed.
by Ged
Thu May 30, 2019 1:00 pm
Forum: Investing - Theory, News & General
Topic: Jim Cramer
Replies: 59
Views: 5705

Re: Jim Cramer

mikemikemike wrote:
Thu May 30, 2019 5:30 am
What am I missing here?
A reason to listen to this person.
by Ged
Mon May 27, 2019 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: FIRE in 6-7 years vs 20+ years
Replies: 44
Views: 5049

Re: FIRE in 6-7 years vs 20+ years

I think you do not have enough data yet to make an irrevocable decision.
by Ged
Fri May 24, 2019 12:03 am
Forum: Investing - Theory, News & General
Topic: Vanguard issues 10-year forecast for stock, bond market returns
Replies: 79
Views: 8735

Re: Vanguard issues 10-year forecast for stock, bond market returns

U.S. equity returns: 4% – 6% U.S. aggregate bond returns: 2.5% – 4.5% International equities returns: 7.5% – 9.5% International bond returns (hedged): 2% – 4% Vanguard also said it sees no imminent recession threat, and said the U.S. economy is currently in the mid- to late-stages of the business c...
by Ged
Thu May 23, 2019 5:32 pm
Forum: Personal Consumer Issues
Topic: Replacing wood windows - a little lost
Replies: 18
Views: 1395

Re: Replacing wood windows - a little lost

Couldn't you just have the original wood windows repaired? Something in me cringes at the idea of replacing a wood window with vinyl. Vinyl windows do not last as long as wood. However they are more energy efficient, lower maintenance and cost about half as much to replace. Unless you have specific...
by Ged
Thu May 23, 2019 2:30 pm
Forum: Personal Consumer Issues
Topic: Anyone else looking forward to Game of Thrones?
Replies: 90
Views: 8979

Re: Anyone else looking forward to Game of Thrones?

astrohip wrote:
Wed May 22, 2019 8:47 am
Ged wrote:
Wed May 22, 2019 8:26 am
Actually GRRM has said that his ending will be different.
Different journey, same destination.
The ending is the concluding narrative, in your terms the journey. The end is the destination. You are trying to make a distinction where there is none.
by Ged
Wed May 22, 2019 8:26 am
Forum: Personal Consumer Issues
Topic: Anyone else looking forward to Game of Thrones?
Replies: 90
Views: 8979

Re: Anyone else looking forward to Game of Thrones?

I thought it was pretty good. I think a lot of that (the ratings) is people piling on. Remember they had to follow GRRM's story, so the ending was HIS ending. And admittedly, it was tough to make palatable, he created a monster of a story line. Far too convoluted. Nonetheless, I enjoyed it. Actuall...
by Ged
Sun May 19, 2019 8:10 pm
Forum: Investing - Theory, News & General
Topic: Amazon....we all have seen this before :)
Replies: 62
Views: 9092

Re: Amazon....we all have seen this before :)

Amazon has a major problem on their hands with counterfeit products and poor quality control on their inventory. Yes, Amazon's third party sellers have to be approached with trepidation. Many are shipping product from China to you. Some list counterfeit products under the genuine manufacturer listi...
by Ged
Thu May 16, 2019 9:14 am
Forum: Investing - Theory, News & General
Topic: Amazon....we all have seen this before :)
Replies: 62
Views: 9092

Re: Amazon....we all have seen this before :)

Amazon has a major problem on their hands with counterfeit products and poor quality control on their inventory. Yes, Amazon's third party sellers have to be approached with trepidation. Many are shipping product from China to you. Some list counterfeit products under the genuine manufacturer listi...