Search found 941 matches

by TallBoy29er
Sun May 24, 2020 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: How often do you change passwords on your investment accounts?
Replies: 35
Views: 1885

Re: How often do you change passwords on your investment accounts?

Never. I use a password keeper. Lots and lots of characters. The strength of your password is much, much more important than changing it. The supposition there is, of course, that you use unique passwords for your investment accounts.
by TallBoy29er
Sun May 24, 2020 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: New Tires or New Car?
Replies: 43
Views: 1814

Re: New Tires or New Car?

Going with the "buy the cheapest set of 4 tires you can, and get rid of the LR" option.
by TallBoy29er
Fri May 22, 2020 8:50 pm
Forum: Personal Consumer Issues
Topic: Should I pay $1,600 for this lawn care fix?
Replies: 33
Views: 3209

Re: Should I pay $1,600 for this lawn care fix?

Don't overthink this. It seems reasonable to me to pay $1600 to have someone bring in the materials, and perform the labor, in order to gain a usable yard. My gut...if you put this off and try to diy over five years, every time you look at the yard out your window your blood pressure is going to ris...
by TallBoy29er
Fri May 22, 2020 8:40 pm
Forum: Personal Consumer Issues
Topic: Thin, long lasting athletic socks?
Replies: 13
Views: 833

Re: Thin, long lasting athletic socks?

^^^ Hah! I wear them for office work, yard work, biking, special occasions, and everything in between (whatever that could be). I don't judge. :mrgreen:
by TallBoy29er
Fri May 22, 2020 8:30 pm
Forum: Personal Consumer Issues
Topic: Thin, long lasting athletic socks?
Replies: 13
Views: 833

Re: Thin, long lasting athletic socks?

There are a few Darn Tough Socks I like. For what you are describing, I would think the Crew Light would be right up your alley. I am a bit of a fanboy of Darn Tough. I ride hundreds/thousands of miles in them on my road/mtn bikes. I used to run in them (don't run anymore). They are guaranteed for l...
by TallBoy29er
Thu May 21, 2020 11:54 am
Forum: Personal Finance (Not Investing)
Topic: I wrote an app, now should i form a business?
Replies: 20
Views: 1969

Re: I wrote an app, now should i form a business?

Congrats on the app. I would likely form an LLC. But it is not required. Why don't you look at the legal terms of other similar apps. They are easy to find, often listed under "Terms of Use". You could easily scrape a lot of content from 1 or 2 like apps. I would also say something to the order of t...
by TallBoy29er
Wed May 20, 2020 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: At 30, what are some key financial milestones I should have hit?
Replies: 51
Views: 4266

Re: At 30, what are some key financial milestones I should have hit?

If you've made it this far without a huge relationship whoopsie, you're doing good, kid.
by TallBoy29er
Wed May 20, 2020 6:06 pm
Forum: Personal Consumer Issues
Topic: WFW (Work from Wherever)
Replies: 70
Views: 6288

Re: WFW (Work from Wherever)

. This is one of the reasons why I posted my questions so I get answers like this. I wasn’t aware of Colorado restrictions. For example Utah is opening up and welcoming visitors. I am sure CO will welcome visitors again and when that occurs, come on over. :-) However, some of our cities (including ...
by TallBoy29er
Wed May 20, 2020 4:03 pm
Forum: Personal Consumer Issues
Topic: Car Transport Services
Replies: 9
Views: 529

Car Transport Services

Has anyone here had first or second hand experience shipping an auto, by truck transport, across the US? There are an abundance of brokers and transport companies online, and sorting them out is difficult. When you read reviews, such as on Google, they appear fixed (glad to elaborate), so no help th...
by TallBoy29er
Tue May 19, 2020 8:13 pm
Forum: Personal Consumer Issues
Topic: WFW (Work from Wherever)
Replies: 70
Views: 6288

Re: WFW (Work from Wherever)

manatee, i enjoy your thinking and enthusiasm on this. we are going to give wfw (newly coined acronym) a shot. i'm also glad you posted this thread, it's helped focus my family's direction. that said, ease off the gas here. gufomel is just bringing perspective from experience. that is what this sit...
by TallBoy29er
Mon May 18, 2020 9:02 pm
Forum: Personal Consumer Issues
Topic: Choosing Kayak Paddles
Replies: 9
Views: 608

Re: Choosing Kayak Paddles

Not an expert either, for sure. But have a sea kayak, and like to SUP. I like a lighter shaft, like carbon fiber. Having a way to adjust the feathering angle is nice. REI currently has some nice paddles on sale: https://www.rei.com/product/781862/werner-skagit-fg-2-piece-paddle It is also nice to be...
by TallBoy29er
Mon May 18, 2020 8:50 pm
Forum: Personal Consumer Issues
Topic: Will Above Ground Pools Come Back in Stock?
Replies: 2
Views: 1155

Re: Will Above Ground Pools Come Back in Stock?

No idea how good, but Amazon has above ground pools in stock. Here is a 10 ft diameter, 30" deep pool, with recirc filter, for $208. https://www.amazon.com/Summer-Waves-Inflatable-Ground-Filter/dp/B06Y49GJX4?ref_=s9_apbd_orecs_hd_bw_bBGNAZ&pf_rd_r=F6GMPPZ9R2XD2RE1EQXH&pf_rd_p=50b2aae8-1d7c-5c2e-a3f8...
by TallBoy29er
Mon May 18, 2020 8:44 pm
Forum: Personal Consumer Issues
Topic: WFW (Work from Wherever)
Replies: 70
Views: 6288

Re: WFW (Work from Wherever)

manatee, i enjoy your thinking and enthusiasm on this. we are going to give wfw (newly coined acronym) a shot. i'm also glad you posted this thread, it's helped focus my family's direction. that said, ease off the gas here. gufomel is just bringing perspective from experience. that is what this site...
by TallBoy29er
Mon May 18, 2020 8:31 pm
Forum: Personal Consumer Issues
Topic: What kind of sunglasses?
Replies: 75
Views: 3677

Re: What kind of sunglasses?

Oakley for me. Whatever you decide, you might want to check out jomashop. I recently got a pair of Oakley Bottle Rockets for $70. They have a huge selection of brands. Jomashop. I just read about them bc of this post. They are grey market (not an authorized dealer (AD)...AD's dump their stock to th...
by TallBoy29er
Sat May 16, 2020 11:05 am
Forum: Personal Consumer Issues
Topic: WFW (Work from Wherever)
Replies: 70
Views: 6288

Re: WFW (Work from Wherever)

For what it is worth, we are planning on executing on exactly what you suggested. We're working on finding a place in the mountains for a couple of months. As long as I get my work done, they could not care less where I am. Fact is, they won't even know where I am, but I'll let them know regardless...
by TallBoy29er
Sat May 16, 2020 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Selling home - low ball negotiation
Replies: 145
Views: 12003

Re: Selling home - low ball negotiation

Momus wrote:
Fri May 15, 2020 12:41 am
I'd counter 10k above asking price. They mocked you and they should know.
So Op has a potential buyer, and you want to make a statement based on ill-found principal and throw away a possible deal. Sheesh.
by TallBoy29er
Fri May 15, 2020 4:56 pm
Forum: Personal Consumer Issues
Topic: WFW (Work from Wherever)
Replies: 70
Views: 6288

Re: WFW (Work from Wherever)

For what it is worth, we are planning on executing on exactly what you suggested. We're working on finding a place in the mountains for a couple of months. As long as I get my work done, they could not care less where I am. Fact is, they won't even know where I am, but I'll let them know regardless....
by TallBoy29er
Wed May 13, 2020 4:00 pm
Forum: Personal Consumer Issues
Topic: Termites - Bait (Sentricon) vs Liquid (Termidor)
Replies: 17
Views: 860

Re: Termites - Bait (Sentricon) vs Liquid (Termidor)

When I looked at Sentricon more than 20 years ago, the initial "bait" was not poisonous. A person was supposed to check regularly if any of the wood in the buried plastic tubes was eaten indicating termites. If chewed wood was found, then the non-poisonous "bait" was replaced with poisonous bait th...
by TallBoy29er
Tue May 12, 2020 8:25 pm
Forum: Personal Consumer Issues
Topic: Peloton Treadmill: Anyone here own one..,,
Replies: 59
Views: 4687

Re: Peloton Treadmill: Anyone here own one..,,

Peloton does have live classes. They went down for a couple weeks, but are now filming 1 class per day from instructors' homes. Not perfect, but pretty nice. We have had a great experience w the bike, and have friends that love the tread. We have shut down our gym membership as well. The Peloton is ...
by TallBoy29er
Tue May 12, 2020 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Appraiser is asking for more money in the middle of refinance process, legal?
Replies: 36
Views: 3220

Re: Appraiser is asking for more money in the middle of refinance process, legal?

Is there anything unique about your home, property, or location that could make it more difficult to appraise?
Appraisers take on more work, and more risk, for appraisals that are difficult to comp.
by TallBoy29er
Mon May 11, 2020 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Advice needed - sister's home in foreclosure - terminal cancer
Replies: 26
Views: 2834

Re: Advice needed - sister's home in foreclosure - terminal cancer

First, I'm very sorry to hear about your sister. And having to deal with this on top of things is clearly not ideal. If the family does not have the resources to pay off the HELOC, or at least keep current on payments, then it sounds like selling the house is in the very near future. I am oversimpli...
by TallBoy29er
Sat May 09, 2020 8:25 pm
Forum: Personal Consumer Issues
Topic: Is it worth buying an infant car seat for each car.
Replies: 71
Views: 3144

Re: Is it worth buying an infant car seat for each car.

Two bases, one seat, one kid. Don't overthink this.
by TallBoy29er
Thu May 07, 2020 8:48 am
Forum: Personal Consumer Issues
Topic: Is there anything more environmentally friendly than Drano for unclogging a drain?
Replies: 80
Views: 4784

Re: Is there anything more environmentally friendly than Drano for unclogging a drain?

2 Very good options. 1. Snake it (or use a coat hanger for on the cheap). 2. Use a plunger. Cover the drain with the plunger, fill shower with water past the lip of the plunger, and go to it. This has worked well for us. Info here https://www.homedepot.com/c/ah/how-to-unclog-a-shower-drain/9ba683603...
by TallBoy29er
Thu May 07, 2020 8:44 am
Forum: Personal Consumer Issues
Topic: Hospice care - room and board
Replies: 33
Views: 2583

Re: Hospice care - room and board

No knowledge, just respect for what you have done, and the decisions you have had to make. Cancer has taken too many friends and family.

All the best.
by TallBoy29er
Thu May 07, 2020 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Pay Sibling's Undergrad or Refinance Parent's Mortgage
Replies: 52
Views: 3146

Re: Pay Sibling's Undergrad or Refinance Parent's Mortgage

Dude, you're a good brother. :beer

So how many pull-ups can you rock out in a set?
by TallBoy29er
Wed May 06, 2020 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off car?
Replies: 26
Views: 1343

Re: Pay off car?

I currently have about 14 K left on my car. It is at 0 APR. I don't like the idea of debt but I can't currently talk myself into paying it off because it is at 0%. I remember my insurance saying I could only have a 1K deductible if I am carrying a loan but can go up to 2K deductible if it is paid o...
by TallBoy29er
Mon May 04, 2020 8:27 pm
Forum: Personal Consumer Issues
Topic: What lifestyle creep made you happier?
Replies: 448
Views: 57092

Re: What lifestyle creep made you happier?

DarnToughSocks. They have socks high as $35. I stick with $22-$28. I'm sorry for bringing up a point from six months ago, but... I can't resist bragging. I, too, am a fan of DarnTough socks, but my last purchase was made at $16.46 each when Backcountry had them on sale 25% off, which miraculously c...
by TallBoy29er
Tue Apr 28, 2020 10:01 pm
Forum: Personal Investments
Topic: Why shouldn’t I do this?
Replies: 43
Views: 2351

Re: Why shouldn’t I do this?

Go for it. If we are all this sure it will happen, we'll be right behind you.
by TallBoy29er
Tue Apr 28, 2020 8:33 am
Forum: Investing - Theory, News & General
Topic: Is this right? "if you live off dividends, a crash in stocks prices doesn't matter"
Replies: 536
Views: 35579

Re: Is this right? "if you live off dividends, a crash in stocks prices doesn't matter"

This is a headline in the Wall Street Journal today (I don't have access, not a subscriber):

Companies Are Suspending Dividends at Fastest Pace in Years
Lead in sentence: Nearly 200 companies have cut, suspended or eliminated their dividend payments this year—the most since 2009.
by TallBoy29er
Mon Apr 27, 2020 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: Appropriate Term Life Terms - couple in 30s
Replies: 88
Views: 3929

Re: Appropriate Term Life Terms - couple in 30s

Total cost of ownership for the two policies: 20 yr: $22,200 30 yr: $49,050 Does the additional $27k for the 30 year policy make you sleep better at night? Because, if it does, I would go with it. Think of making a bad car/house/investment mistake over 30 years. Many of us do it, and lose much more ...
by TallBoy29er
Sun Apr 26, 2020 10:03 pm
Forum: Personal Consumer Issues
Topic: Mesh Wifi
Replies: 118
Views: 7328

Re: Mesh Wifi

Google Wifi mesh. No issues, great admin console on my phone that is easy to understand. Slam dunk.
by TallBoy29er
Sun Apr 26, 2020 9:43 am
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 55499

Re: How to get Toilet Paper ? seriously.

spintran wrote:
Tue Apr 21, 2020 9:39 pm
Just bought some TP directly from Quilted Northern.
https://www.quiltednorthern.com/
TP available right now on this website. I just ordered.
by TallBoy29er
Sat Apr 25, 2020 9:45 pm
Forum: Personal Consumer Issues
Topic: Go or no go on Carnival cruise
Replies: 114
Views: 6970

Re: Go or no go on Carnival cruise

Oh Lord, bail now. Please, bail now.
by TallBoy29er
Fri Apr 24, 2020 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: College in fall
Replies: 279
Views: 27849

Re: College in fall

I have heard from multiple families that their kids would like to take the fall semester off if classes are not back on campus. This is becoming "a thing."
by TallBoy29er
Thu Apr 23, 2020 11:55 am
Forum: Personal Consumer Issues
Topic: Which new kid's bike to buy online?
Replies: 42
Views: 1672

Re: Which new kid's bike to buy online?

To re-confirm onourway, bike shop experience tells you that Wal-mart stuff is junk. Ask your local bike shop mechanic their opinion. All that I know HATE even trying to work on those. 9 years old is close to where we are. We went with a 24 inch Scott. We are getting our younger a 20" Salsa. As other...
by TallBoy29er
Thu Apr 23, 2020 9:15 am
Forum: Personal Consumer Issues
Topic: House Cleaning and Covid
Replies: 24
Views: 2319

Re: House Cleaning and Covid

You're asking us to make a calculus based on too many factors and most of those are huge unknowns...... This thread is just going to be a survey of the risk tolerance of random internet people who click this thread on a Wednesday night. I'd suggest that we are all dealing with very similar "huge un...
by TallBoy29er
Wed Apr 22, 2020 7:33 pm
Forum: Personal Consumer Issues
Topic: House Cleaning and Covid
Replies: 24
Views: 2319

House Cleaning and Covid

So, we live in Georgia, and will definitely not be going bowling, getting tats, going to the theater, getting haircuts and/or massages and/or mani/pedis, or going to the gym this weekend. That said, I am wondering about starting with our house cleaners again. I was thinking that if they used masks, ...
by TallBoy29er
Wed Apr 22, 2020 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: Car Dealers not really wanting to make a deal
Replies: 226
Views: 31057

Re: Car Dealers not really wanting to make a deal

In a similar position. I was intending to buy a new Outback. More and more dealers are refusing to put the OTD in writing as they will know it will be matched and lowered by another dealer. Out of all of the dealers around my area (around 8), only 3 gave OTD over email. I can probably get a good de...
by TallBoy29er
Wed Apr 22, 2020 7:03 pm
Forum: Personal Consumer Issues
Topic: How much to tip on DoorDash?
Replies: 60
Views: 4995

Re: How much to tip on DoorDash?

orhkaf wrote:
Wed Apr 22, 2020 3:52 pm
I tip 0. The service charge is more than enough.
Not for the person making the delivery. This comment made me sad.
by TallBoy29er
Wed Apr 22, 2020 1:43 pm
Forum: Personal Consumer Issues
Topic: Bartering food with local community?
Replies: 5
Views: 388

Re: Bartering food with local community?

Lots of folks doing this on Nextdoor app, as has been mentioned. The threads I've read show a ton of interest. Esp where the person making the food has credentials (eg a cook laid off or furloughed from a local restaurant).
by TallBoy29er
Tue Apr 21, 2020 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: Parents want me to pay off their mortgage in exchange for title
Replies: 102
Views: 9210

Re: Parents want me to pay off their mortgage in exchange for title

We'll work out stuff like property tax, maintenance, etc. If you are considering this as an act of charity, you should assume that at some point you will need to pay for all housing associated costs. I think that is a fair statement. That said, I think it is a road worth considering. They are their...
by TallBoy29er
Tue Apr 21, 2020 7:40 pm
Forum: Personal Consumer Issues
Topic: Replacement for 4Runner
Replies: 70
Views: 4143

Re: Replacement for 4Runner

If you're going for a Toyota, I would look toward a Land Cruiser, or a Lexus LX 570. Same exact powertrain. If you look used, a lot of times the Lexus is cheaper, as some folks like to have the "Land Cruiser" badge for "prestige". They are damn fine vehicles that will both last forever, they have fu...
by TallBoy29er
Mon Apr 20, 2020 10:19 pm
Forum: Investing - Theory, News & General
Topic: Munger/Buffett on riding out the storm
Replies: 76
Views: 10454

Re: Munger/Buffett on riding out the storm

The deal was March 23rd prior to FEd intervention. When you throw trillions of dollars at a problem and then say you are willing to do so again, I think that goes a long way in fixing things. The new future may be very little time window for stock market crash "deals" as the fed can act quickly and...
by TallBoy29er
Thu Apr 16, 2020 7:15 pm
Forum: Personal Consumer Issues
Topic: How to get Disinfectant Spray? seriously.
Replies: 41
Views: 2596

Re: How to get Disinfectant Spray? seriously.

Liquor stores are still open where you are? They are not in NM. Also no rubbing alcohol in stores, no hand sanitizer available, etc etc ... In my state, you can buy booze at the grocery store. Here also but they don't have as wide a selection. I don't know of any that would have something like Ever...
by TallBoy29er
Wed Apr 08, 2020 9:15 pm
Forum: US Chapters
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 503
Views: 50402

Re: How Is Your Job Being Impacted By The Current Crisis?

The top selling point of AWS is being able to spin up or down your usage on a real time basis. Well, they’ll get to see the true downside of that flexibility now won’t they? Source? AWS has a number of proprietary services and functions that people use. That is why many cloud apps cannot migrate fr...
by TallBoy29er
Wed Apr 08, 2020 7:21 pm
Forum: Investing - Theory, News & General
Topic: Head Fakes and Dead Cats .. your thoughts on the rally?
Replies: 386
Views: 32131

Re: Head Fakes and Dead Cats .. your thoughts on the rally?

Use opportunistic rebalancing to sell and buy as needed. My 401(k) is down less than 5% YTD, but I have moved more than 20% of its value back and forth twice because of the head fakes and dead cats. "Stay the course" does not mean "Be a deer in the headlights." How do you avoid issues with round tr...
by TallBoy29er
Mon Apr 06, 2020 2:26 pm
Forum: Personal Consumer Issues
Topic: What will you do first, once COVID pandemic is over?
Replies: 271
Views: 17130

Re: What will you do first, once COVID pandemic is over?

My takeaways. 1.) Like I have an emergency fund, I'm going to have an emergency food supply. Enough for 2 to 4 weeks. 2.) I live in a cold northern city. My furnace went out last weekend. Not an ideal thing to have happen during a pandemic. I'm thinking about putting in a second heating source. May...
by TallBoy29er
Tue Mar 31, 2020 6:48 pm
Forum: Investing - Theory, News & General
Topic: Mortgage - Keep balance as High as Possible
Replies: 162
Views: 11480

Re: Mortgage - Keep balance as High as Possible

I figure there are two reasonable choices. Pay the mortgage off as soon as possible, or, have a mortgage that you will never be able to pay off (i.e. have the mortgage pay off date likely be longer than you will live - refinance for another 30 years as needed). Bingo. Interest only mortgage is like...
by TallBoy29er
Sun Mar 29, 2020 8:16 pm
Forum: Personal Consumer Issues
Topic: What's worth paying more for?
Replies: 80
Views: 6569

Re: What's worth paying more for?

Shoes. Tools. Socks.